First Horizon Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Horizon Bank of Memphis, TN against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.38% | 1.39% | -0.01% | 57th above |
| ROAE | 12.43% | 12.23% | +0.20% | 68th above |
| Net Interest Margin | 3.50% | 3.82% | -0.32% | 44th below |
| Efficiency Ratio | 55.76% | 54.23% | +1.53% | 43rd below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.81% | 2.04% | -0.23% | 51st above |
| Yield on Earning Assets | 5.24% | 5.71% | -0.47% | 41st below |
| Cost of Funds | 1.64% | 2.03% | -0.39% | 70th above |
| Net Interest Spread | 2.76% | 3.13% | -0.37% | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.21% | 0.98% | +0.23% | 23rd bottom |
| NPA / Total Assets | 0.95% | 0.72% | +0.23% | 20th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.21% | 0.33% | -0.12% | 33rd below |
| ACL / Total Loans | 1.08% | 1.39% | -0.31% | 39th below |
| ACL / NPLs (Coverage) | 88.79% | 236.40% | -147.61% | 22nd bottom |
| Texas Ratio | 9.43% | 8.87% | +0.56% | 25th below |
| Provision / NCO | 52.09% | 123.87% | -71.78% | 18th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.18% | 15.68% | -4.50% | 6th bottom |
| Tier 1 Ratio | 11.58% | 15.81% | -4.23% | 10th bottom |
| Total Capital Ratio | 13.02% | 16.93% | -3.91% | 16th bottom |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.32% | 10.50% | -0.18% | 53rd above |
| Equity / Assets | 11.19% | 11.71% | -0.52% | 43rd below |
| TCE / Tangible Assets | 9.12% | 9.73% | -0.61% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.71% | 84.50% | +11.21% | 17th bottom |
| Core Deposit Ratio | 85.58% | 86.62% | -1.04% | 29th below |
| Uninsured Deposit Ratio | 40.33% | 36.81% | +3.52% | 46th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.37% | 5.85% | -1.48% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.85% | 12.00% | -9.15% | 31st below |
| Loan Growth (Y/Y) | 3.41% | 11.42% | -8.01% | 33rd below |
| Deposit Growth (Y/Y) | 3.71% | 11.39% | -7.68% | 42nd below |
See First Horizon Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Horizon Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Horizon Bank profile, how to read a UBPR, or how this data updates.