First Horizon Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Founded in 1864, First Horizon Bank has grown into a regional commercial bank based in Memphis, TN. On its most recent Q2 2026 call report, First Horizon reported $84.1B in total assets against $68.8B in deposits. Returns are notably above industry norms: 1.38% ROA, 12.43% ROE, and 3.50% NIM. Capital is comfortably above regulatory requirements, CET1 ratio of 11.18% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is solid, 1.21% nonperforming loans and a 9.43% Texas Ratio. First Horizon runs a 416-branch network across multiple states.
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 1.21%, a Texas ratio of 9.43%, per financial data filed with the FFIEC.
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)
- Offices
- 416 domestic
- Employees (FTE)
- 7,431
- Domestic deposits
- $68.79B
- Allowance for credit losses
- $709.1M
- Net charge-offs (YTD)
- $61.4M
- 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 |
| Dmuchowski Hope | CFO | Sr. EVP & CFO |
| Locascio Tammy | COO | SEVP, Chief Operating Officer |
| Hung Thomas | CCO | Sr EVP & Chief Credit Officer |
| Argo Ashley W | CRO | Sr EVP, Chief Risk Officer |
| Wiseman Thomas Lang | GC | Sr EVP, General Counsel |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Horizon Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Horizon Bank, freeFirst Horizon Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.18% | 1.38% | 1.21% | 9.43% | 3.50% |
| Q1 2026 | 11.30% | 1.40% | 1.31% | 10.04% | 3.51% |
| Q4 2025 | 10.98% | 1.41% | 1.40% | 10.98% | 3.54% |
| Q3 2025 | 11.38% | 1.42% | 1.51% | 11.51% | 3.58% |
| Q2 2025 | 11.28% | 1.31% | 1.53% | 11.83% | 3.42% |
| Q1 2025 | 11.35% | 1.22% | 1.48% | 11.39% | 3.39% |
| Q4 2024 | 11.12% | 0.94% | 1.46% | 11.92% | 3.34% |
| Q3 2024 | 11.23% | 1.18% | 1.23% | 9.77% | 3.29% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 406 branches →
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 2, 2020 | Structure Change | Acquired Iberiabank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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 Ft Mortgage Holding 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 25, 1993 | Structure Change | Acquired Home Federal Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 1991 | 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 |
| January 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 |
| 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 | 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 |
| August 1, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1984 | Structure Change | Acquired First Tennessee Bank N.A. Murfreesboro Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 42 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First Horizon Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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.
- Consumer complaints
- 228 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows First Horizon Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare First Horizon Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Horizon Bank headquartered?
First Horizon Bank is headquartered in Memphis, TN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Horizon Bank founded?
First Horizon Bank was established in 1864, per the FDIC institution directory.
Is First Horizon Bank FDIC-insured?
Yes. First Horizon Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Horizon Bank's CET1 capital ratio?
First Horizon Bank 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?
First Horizon Bank 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?
First Horizon Bank's Texas Ratio is 9.43% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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.
Go deeper on First Horizon Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock First Horizon Bank, freeFree account