First Horizon Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The biggest quarter-over-quarter change on this page was a small one: Accumulated other comprehensive income edged down 1.6% between Q1 2026 and Q2 2026, to -$831.5M. On CET1 ratio, First Horizon Bank is 8th from the bottom among 71 Tennessee banks, 11.18% (Q2 2026). First Horizon Bank reported 11.18% on CET1 ratio for Q2 2026, 1.78 points below the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.18% |
| Tier 1 risk-based capital ratio | 11.58% |
| Total risk-based capital ratio | 13.02% |
| Tier 1 leverage ratio | 10.32% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $8.24B |
| Tier 1 capital | $8.54B |
| Total risk-based capital | $9.60B |
| Total equity capital | $9.41B |
| Risk-weighted assets | $73.76B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.19% |
| Tangible equity to tangible assets | 9.48% |
| Equity capital to average assets | 11.14% |
| Internal capital growth rate | 0.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $72.5M |
| Common stock surplus | $6.41B |
| Retained earnings | $3.47B |
| Preferred stock and surplus | $294.8M |
| Accumulated other comprehensive income | -$831.5M |
| Subordinated notes and debentures | $495.5M |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.98% | 11.40% | 12.71% | 9.84% | $71.37B |
| Q4 2023 | 11.40% | 11.82% | 13.17% | 10.20% | $70.64B |
| Q1 2024 | 11.28% | 11.70% | 13.11% | 10.26% | $70.48B |
| Q2 2024 | 11.31% | 11.73% | 13.16% | 10.31% | $71.13B |
| Q3 2024 | 11.23% | 11.65% | 13.10% | 10.13% | $70.73B |
| Q4 2024 | 11.12% | 11.54% | 13.00% | 10.06% | $70.42B |
| Q1 2025 | 11.35% | 11.78% | 13.70% | 10.33% | $69.93B |
| Q2 2025 | 11.28% | 11.70% | 13.47% | 10.30% | $70.91B |
| Q3 2025 | 11.38% | 11.79% | 13.53% | 10.41% | $71.12B |
| Q4 2025 | 10.98% | 11.38% | 13.04% | 10.09% | $72.28B |
| Q1 2026 | 11.30% | 11.70% | 13.31% | 10.42% | $72.60B |
| Q2 2026 | 11.18% | 11.58% | 13.02% | 10.32% | $73.76B |
First Horizon Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Horizon Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Horizon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4977) · FFIEC NIC profile (RSSD 485559)