First Horizon Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 1.24 percentage points higher than in Q1 2026, at 159.03%. First Horizon Bank ranks 20th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 95.71% (Q2 2026). First Horizon Bank reported 95.71% on loan-to-deposit ratio for Q2 2026, 8.88 points above the 86.83% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $65.84B |
| Net loans and leases | $65.13B |
| Loans held for sale | $501.4M |
| Loans to total assets | 78.27% |
| Loan-to-deposit ratio | 95.71% |
| Net loans to equity capital | 6.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.07% |
| Multifamily (5+ residential) | 5.65% |
| Commercial and industrial | 24.97% |
| Consumer | 0.55% |
| Credit cards | 0.12% |
| Farm | 0.09% |
| Loans to depository institutions | 0.01% |
| State and political subdivisions | 1.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 159.03% |
| Construction concentration (Tier 1 capital + allowance) | 17.64% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.65% |
| Interest income on loans | $900.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $62.40B | $67.98B | 26.75% | 27.08% | 0.88% |
| Q4 2023 | $61.80B | $66.65B | 26.93% | 26.81% | 0.87% |
| Q1 2024 | $62.16B | $66.65B | 27.16% | 26.52% | 0.83% |
| Q2 2024 | $63.26B | $65.40B | 26.75% | 26.12% | 0.79% |
| Q3 2024 | $62.95B | $67.40B | 27.02% | 25.50% | 0.78% |
| Q4 2024 | $63.13B | $66.43B | 26.62% | 25.96% | 0.78% |
| Q1 2025 | $62.73B | $65.21B | 27.03% | 26.13% | 0.77% |
| Q2 2025 | $63.67B | $66.33B | 26.64% | 23.58% | 0.74% |
| Q3 2025 | $63.56B | $66.11B | 26.54% | 23.75% | 0.74% |
| Q4 2025 | $64.57B | $68.10B | 26.58% | 23.68% | 0.66% |
| Q1 2026 | $64.95B | $67.20B | 26.37% | 24.19% | 0.59% |
| Q2 2026 | $65.84B | $68.79B | 26.07% | 24.97% | 0.55% |
First Horizon Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Horizon Bank, freeSource: Call Report Schedule RC-C, 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)