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First Horizon Bank

$10B-$250B Specialty: Commercial TN FDIC cert 4977

Memphis, TN

416 branches across TN · NC · FL · LA · AL · GA · AR · SC · VA · TX · MS · NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 3 in TN.
  • Deposits +3.7% year over year ($68.8B on the books).
  • Delinquency rate 0.84%.
  • Return on assets 1.40%.
  • Efficiency ratio 55.09% vs a 53.67% peer average.
  • Loan-to-deposit ratio 94.68% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 3 in TN
View $10B-$250B leaderboard (TN) →

First Horizon Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.18% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 25.0% in tier
  • - Capital Thin: Bottom 28.6% in tier
  • - Net Interest Margin 0.37% below tier average
  • - Efficiency Ratio 1.42% above tier average
Get updates when First Horizon Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $84.1B
+2.9% YoY +0.3% QoQ
+$40.5B $43.6B
-13.8% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
Top 14.4% in tier
Total Loans ? $65.1B
+3.6% YoY +1.4% QoQ
+$37.2B $28.0B
-8.6% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
Top 7.9% in tier
Total Deposits ? $68.8B
+3.7% YoY +2.4% QoQ
+$33.4B $35.4B
-14.0% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
Top 13.7% in tier
Return on Assets ? 1.40%
+9.4% YoY -0.2% QoQ
+0.01% 1.39%
+25.9% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
62%
Net Interest Margin ? 3.55%
+2.3% YoY +0.4% QoQ
-0.37% 3.92%
+8.9% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
45%
Efficiency Ratio ? 55.09%
+0.7% YoY +1.6% QoQ
+1.42% 53.67%
-1.9% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
52%
Delinquency Rate ? 0.84%
-13.8% YoY -13.6% QoQ
-0.18% 1.01%
-2.8% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
42%
Loan-to-Deposit Ratio ? 94.68%
-0.1% YoY -0.9% QoQ
+12.07% 82.61%
+3.1% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
18%
Non-Interest-Bearing Deposit Share ? 24.29%
-3.2% YoY -1.8% QoQ
+3.71% 20.58%
+4.9% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
59%
Nonperforming Asset Ratio ? 0.65%
-13.3% YoY -12.6% QoQ
-0.08% 0.73%
+5.8% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
35%
Tier 1 Capital Ratio ? 11.58%
-1.0% YoY -1.1% QoQ
-3.77% 15.35%
-0.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
Bottom 10.8% in tier
Non-Interest Income / Assets ? 0.46%
+6.1% YoY +103.7% QoQ
-0.03% 0.50%
+10.5% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
68%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Noninterest-Bearing 24.3%
-0.8pp YoY
-0.5pp QoQ
 +3.3pp 21.0% 18.8% 22.2% 57%
Brokered Deposits 11.4%
+4.8pp YoY
+3.4pp QoQ
 +2.2pp 9.2% 9.4% 8.5% 77%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 25.2%
+1.4pp YoY
+0.8pp QoQ
 +8.1pp 17.2% 10.9% 12.5% 84%
CRE 34.6%
-1.2pp YoY
-0.3pp QoQ
 -7.5pp 42.0% 42.4% 41.4% 29%
1-4 Family 21.8%
-1.7pp YoY
-0.6pp QoQ
 -1.3pp 23.1% 39.8% 31.3% 52%
Consumer 0.6%
-0.2pp YoY
0.0pp QoQ
 -12.3pp 12.9% 4.5% 5.0% 28%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 11.2%
-0.1pp YoY
-0.1pp QoQ
 -4.1pp 15.3% 14.8% 19.7% 6%
Leverage Ratio 10.3%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 10.4% 11.4% 12.6% 57%
Total Capital Ratio 13.0%
-0.5pp YoY
-0.3pp QoQ
 -3.5pp 16.5% 15.9% 20.8% 16%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 7,431
+361 (+5.1%) YoY
+69 (+0.9%) QoQ
 +4,173 3,258 270 482 91%
Assets per Employee ($) $11.3M
-2.1% YoY
-0.6% QoQ
 -$15.7M $27.0M $7.1M $8.8M 44%
Branch Count 416
-6 (-1.4%) YoY
-2 (-0.5%) QoQ
 +278 137 17 18 95%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.2% 0.4% 19%
Nonaccrual 0.8%
-0.1pp YoY
-0.1pp QoQ
 +0.1pp 0.7% 0.7% 1.0% 67%
Allowance Coverage 1.30x
-2.6% YoY
+10.8% QoQ
 -1.51x 2.81x 28.97x 20.23x 32%
Net Charge-off Rate (YTD) 0.2%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.4% 0.1% 0.2% 57%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 12.5%
+1.0pp YoY
-0.1pp QoQ
 -0.1pp 12.6% 10.9% 11.6% 63%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 2.0% 2.0% 1.7% 40%
Net Income ($, YTD) $585.0M
+12.4% YoY
— QoQ
 +$288.2M $296.8M $16.7M $40.4M 90%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk
#11 of 40 • Bottom 25.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 94.68%
(Tier: 82.61%, National: 79.03%)
worse than tier avg
40 of 40 Large banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Capital Thin

risk
#11 of 35 • Bottom 28.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.58%
(Tier: 15.35%, National: 17.09%)
worse than tier avg
35 of 35 Large banks match · 923 nationally
→ Stable

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (3 metrics)

12
Total Loans
size
Value: $65.13B
Peer Median: $27.97B
#12 of 139 Top 7.9% in $10B-$250B
20
Total Deposits
size
Value: $68.79B
Peer Median: $35.42B
#20 of 139 Top 13.7% in $10B-$250B
21
Total Assets
size
Value: $84.12B
Peer Median: $43.60B
#21 of 139 Top 14.4% in $10B-$250B

Top Weaknesses (2 metrics)

125
Tier 1 Capital Ratio
capital
Value: 11.58%
Peer Median: 15.35%
#125 of 139 Bottom 10.8% in $10B-$250B
115
Loan-to-Deposit Ratio
liquidity
Value: 94.68%
Peer Median: 82.61%
#115 of 139 Bottom 18.0% in $10B-$250B
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