First Horizon Bank
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Data as of · sourced from FFIEC call reports. How we update
First Horizon Bank is an FDIC-insured commercial bank headquartered in Memphis, TN, established in 1864 (FDIC certificate 4977), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $84.12B, up 2.9% from Q2 2025, the 2nd largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 11.18% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4977
- Headquarters
- Memphis, TN
- Established
- 1864
- Total assets, Q2 2026
- $84.12B
- Assets vs Q2 2025
- +2.9%
- CET1 ratio, Q2 2026
- 11.18%
- Domestic offices
- 416 FDIC institution directory, current count
- Routing number
- 084000026
- Latest call report
- Q2 2026, FFIEC 041 · First Horizon Bank call report
- Holding company
- FIRST HORIZON CORPORATION
- Asset rank in state
- 2nd of 109 in Tennessee
First Horizon Bank is the 38th-largest bank in the United States, with $84.1 billion in assets at June 30, 2026, up 2.9% from a year earlier. It is headquartered in Memphis, Tennessee, and operates 416 domestic branches. It holds common equity equal to 11.18% of its risk-weighted assets, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 12.98%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.82% of loans, down from 0.95% a year earlier.
As of June 30, 2026, First Horizon Bank reported a CET1 capital ratio of 11.18%, a return on assets of 1.38%, a nonperforming-loan ratio of 0.83% and a Texas ratio of 6.35%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, First Horizon Bank is the 2nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.3% to $84.12B, loans rose 1.4% and deposits rose 2.4%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 25.0% of total loans, followed by 1-4 family residential loans at 21.5%. Judged on its Q2 2026 call report, First Horizon Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 165 Madison Ave, Memphis, TN 38103
- County
- Shelby
- Metro Area
- Memphis, TN-Ms-Ar
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1864
- Former names
- First Tennessee Bank, National Association (1984-2019); First Tennessee Bank National Association Memphis (1984)
- Domestic offices
- 416 FDIC institution directory, current count
- Employees (FTE)
- 7,431
- Domestic deposits
- $68.79B
- Allowance for credit losses
- $709.1M
- Net charge-offs (YTD)
- $61.4M
- Average total assets
- $84.48B
- Average total loans
- $63.75B
- Average interest-bearing deposits
- $62.95B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4977
- Fed RSSD
- 485559
- SEC CIK
- 36966 → filed by FIRST HORIZON CORPORATION
- Website
- www.firsthorizon.com →
- Parent Holding Company
- FIRST HORIZON CORPORATION (RSSD 1094640) · FHN
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Jordan D Bryan | CEO | Chairman, President & CEO |
| Hope Dmuchowski | CFO | Sr. EVP & CFO |
| Tammy Locascio | COO | SEVP, Chief Operating Officer |
| Thomas Hung | CCO | Sr EVP & Chief Credit Officer |
| Ashley W Argo | CRO | Sr EVP, Chief Risk Officer |
| Wiseman Thomas Lang | GC | Sr EVP, General Counsel |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First Horizon Bank's total assets moved between a low of $81.20B (Q1 2025) and a high of $84.12B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$84.12B total assets against $81.78B; $74.71B total liabilities against $72.62B.
$65.13B net loans and leases against $62.86B; $68.79B total deposits against $66.33B.
$9.07B securities against $9.40B; $2.28B cash and balances due against $1.93B.
$1.03B total interest income against $1.05B; $344.3M total interest expense against $390.5M.
$688.7M net interest income against $657.0M.
$198.6M total noninterest income against $177.8M; $504.6M total noninterest expense against $465.9M.
$15.0M provision for credit losses against $30.0M.
$292.3M net income against $270.5M.
1.38% return on assets against 1.31%; 3.50% net interest margin against 3.42%.
11.18% CET1 capital ratio against 11.28%; 10.32% tier 1 leverage ratio against 10.30%.
Inside the full First Horizon Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Horizon Bank rankings
Its closest position to the top of a national ranking is 38 of 4,196, for total assets; its furthest is 1,917 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.94% (Q4 2024) to 1.42% (Q3 2025) and its net interest margin ran from 3.29% (Q3 2024) to 3.58% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.18% | 1.38% | 0.83% | 6.35% | 3.50% |
| Q1 2026 | 11.30% | 1.40% | 0.96% | 7.22% | 3.51% |
| Q4 2025 | 10.98% | 1.41% | 0.96% | 7.42% | 3.54% |
| Q3 2025 | 11.38% | 1.42% | 0.98% | 7.32% | 3.58% |
| Q2 2025 | 11.28% | 1.31% | 0.96% | 7.31% | 3.42% |
| Q1 2025 | 11.35% | 1.22% | 1.00% | 7.53% | 3.39% |
| Q4 2024 | 11.12% | 0.94% | 1.00% | 7.89% | 3.34% |
| Q3 2024 | 11.23% | 1.18% | 0.96% | 7.33% | 3.29% |
Swipe the table sideways to see every column.
Branch Network
View all 406 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Horizon Bank (main office) | Memphis , TN | 38103 | $14.02B |
| Nashville Branch | Nashville , TN | 37219 | $1.97B |
| Gay Street Branch | Knoxville , TN | 37929 | $1.78B |
| Greenway Commons Branch | Houston , TX | 77027 | $1.43B |
| Chattanooga Branch | Chattanooga , TN | 37402 | $1.41B |
| Pan American Branch | New Orleans , LA | 70130 | $1.27B |
| Downtown Baton Rouge | Baton Rouge , LA | 70801 | $1.25B |
| Iberia Tower Branch | Lafayette , LA | 70501 | $1.09B |
| Edward Mill Branch | Raleigh , NC | 27612 | $1.08B |
| Coral Gables Branch | Coral Gables , FL | 33134 | $923.4M |
| Naples Branch | Naples , FL | 34108 | $904.3M |
| Lighthouse Point Branch | Lighthouse Point , FL | 33064 | $758.4M |
| Preston Road Branch | Dallas , TX | 75225 | $724.7M |
| Downtown Birmingham Branch | Birmingham , AL | 35203 | $694.3M |
| Maryville Regional Office Branch | Maryville , TN | 37801 | $650.0M |
| Downtown Branch | Miami , FL | 33131 | $557.4M |
| Nelson Road Branch | Lake Charles , LA | 70605 | $542.9M |
| Johnson City Main Branch | Johnson City , TN | 37601 | $540.4M |
| Downtown Orlando Branch | Orlando , FL | 32801 | $507.4M |
| Park Ave Branch | New York , NY | 10022 | $489.7M |
| Springhill Branch | Mobile , AL | 36608 | $457.8M |
| Gallatin Branch | Gallatin , TN | 37066 | $449.9M |
| Viewmont Office | Hickory , NC | 28601 | $447.4M |
| South Stratford Branch | Winston Salem , NC | 27103 | $434.4M |
| Cumberland Branch | Atlanta , GA | 30339 | $408.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 2, 2020 | Structure Change | Acquired Iberiabank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 2, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2017 | Structure Change | Acquired Capital Bank Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 17, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 17, 2015 | Structure Change | Acquired TrustAtlantic Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 8, 2013 | Structure Change | Acquired Mountain National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 7, 2013 | Merger | Participated in FDIC Assisted Merger | FDIC |
| December 31, 2007 | Structure Change | Acquired First Tennessee Mortgage Services, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 31, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2007 | Structure Change | Acquired First Horizon Home Loan Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 15, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 27, 2005 | Structure Change | Acquired First National Bank West Metro Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 26, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 22, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 17, 2001 | Structure Change | Acquired Peoples Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 16, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 24, 2001 | Structure Change | Acquired Cleveland Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 23, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 19, 1998 | Structure Change | Acquired First Tennessee Bank National Association Mississippi Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 18, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 24, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 24, 1995 | Structure Change | Acquired Community First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 25, 1993 | Structure Change | Acquired Home Federal Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 25, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 1991 | Structure Change | Acquired Valley Fidelity Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1991 | Structure Change | Acquired Lebanon Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 26, 1990 | Structure Change | Acquired First National Bank of Jackson Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 25, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 19, 1986 | Structure Change | Acquired Farmers' Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 18, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 1984 | Structure Change | Acquired First Tennessee Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1984 | Structure Change | Acquired First Tennessee Bank N.A. Nashville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1984 | Structure Change | Acquired First Tennessee Bank N.A. Chattanooga Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1984 | Structure Change | Acquired First Tennessee Bank, Mosheim, Tennessee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 41 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 8 against the institution (OCC); 18 against individuals associated with it
- February 8, 2017, OCC: C&D or PC&D Requiring Restitution: First Tennessee Bank National Association
- February 8, 2017, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): First Tennessee Bank National Association
- February 8, 2017, OCC: Civil Money Penalty (CMP): First Tennessee Bank National Association
- March 25, 2009, OCC: Civil Money Penalty (CMP): First Tennessee Bank National Association
- April 20, 2007, OCC: Civil Money Penalty (CMP): First Tennessee Bank National Association
- Period: Most recent institution action February 8, 2017. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 13.6% of deposits in TN, rank 1 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 14,363 applications, 8,447 loans originated, $3.55B originated, across 45 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 21 loans, $27.9M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 231 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Horizon Bank
What are First Horizon Bank's total assets?
As of the Q2 2026 filing, First Horizon Bank reported total assets of $84.12 billion in its FFIEC call report.
Where is First Horizon Bank headquartered?
It is headquartered in Memphis, TN, United States.
When was First Horizon Bank founded?
It was established in 1864, per the FDIC institution directory.
Is First Horizon Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4977). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Horizon Bank?
First Horizon Bank's primary federal regulator is the Federal Reserve.
What is First Horizon Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.18% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Horizon Bank operate?
It operates 416 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Horizon Bank's Texas Ratio?
Its Texas Ratio is 6.35% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Horizon Bank previously called?
The charter now named First Horizon Bank has also operated as First Tennessee Bank, National Association (1984-2019), First Tennessee Bank National Association Memphis (1984), per FDIC structure-change records.
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