Bank Comparison
First Horizon Bank vs Webster Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 10
winning metrics across 24 comparable rows
Capital adequacy
| Metric | First Horizon Bank | Webster Bank, N.A. |
|---|---|---|
| CET1 Ratio | 11.30% | 12.07% |
| Tier 1 Capital Ratio | 11.70% | 12.07% |
| Total Capital Ratio | 13.31% | 13.32% |
| Tier 1 Leverage Ratio | 10.42% | 8.49% |
| Equity / Assets | 11.22% | 11.31% |
Profitability
| Metric | First Horizon Bank | Webster Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.40% | 1.23% |
| Return on Equity (ROE) | 12.59% | 10.78% |
| Net Interest Margin (NIM) | 3.51% | 3.30% |
| Yield on Earning Assets | 5.18% | 5.09% |
| Cost of Funds | 1.82% | 1.93% |
Asset quality
| Metric | First Horizon Bank | Webster Bank, N.A. |
|---|---|---|
| Texas Ratio | 10.04% | 13.73% |
| Non-Performing Loan Ratio | 1.31% | 1.73% |
| Non-Performing Asset Ratio | 1.02% | 1.16% |
| Net Charge-Off Ratio | 0.18% | 0.29% |
| ACL / Loans | 1.12% | 1.28% |
Balance sheet
| Metric | First Horizon Bank | Webster Bank, N.A. |
|---|---|---|
| Total Assets | $83,823M | $85,527M |
| Total Deposits | $67,203M | $69,386M |
| Total Loans | $64,945M | $57,263M |
| Total Equity | $9,404M | $9,669M |
| Net Income (quarter) | $292,686K | $261,896K |
Liquidity & funding
| Metric | First Horizon Bank | Webster Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 96.64% | 82.53% |
| Core Deposit Ratio | 97.42% | 97.90% |
| Uninsured Deposit Ratio | 41.59% | 36.10% |
Identity
| Metric | First Horizon Bank | Webster Bank, N.A. |
|---|---|---|
| Headquarters City | MEMPHIS | STAMFORD |
| Headquarters State | TN | CT |
| Asset Tier | Regional | Regional |
| Charter Class | 0 | 24469 |
| Regulator | FED | OCC |
| Domestic Branches | 421 | 195 |
| Employees (FTE) | 7,362 | 4,562 |
| Established | Jan. 1, 1864, midnight | Jan. 1, 1870, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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