Total Assets
$83.6B
Total balance-sheet footings
FDIC Cert #4977 · Memphis, Tennessee · Est. 1864
First Horizon Bank - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $83.6B
- Total assets
- B
- Health grade · Good
- 1.35%
- Return on assets
- 11.0%
- Tier 1 capital
Data updated July 2026
The verdict
First Horizon Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 10.98% Tier 1, profitable at 1.35% ROA, efficient (56% cost ratio).
- #37
- largest of 4,313 FDIC banks by assets
- 99th
- percentile by asset size, nationally
- 10.98%
- Tier 1 ratio - above the 10% well-capitalized line
- 66th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First Horizon Bank's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Horizon Bank's composite health score
Tier 1 Capital Ratio (10.98%) 28/40
Return on Assets (ROA) (1.35%) 20/25
Texas Ratio (6.27%) 16/20
Efficiency Ratio (56.18%) 12/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$68.1B
Customer-funded liabilities
Net Loans
$63.8B
Outstanding loan book
Net Income
$1.1B
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Horizon Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Horizon Bank's score of 76/100 falls in the highlighted band.
First Horizon Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Horizon Bank's $83.6B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.98% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.98%
Texas Ratio
6.27%
Equity Capital
$9.2B
Profitability metrics
Return on Assets (ROA)
66th percentile nationally
1.35%
Return on Equity (ROE)
12.18%
Efficiency Ratio
56.18%
What the numbers say about First Horizon Bank
First Horizon Bank is an FDIC-insured institution (Certificate #4977) headquartered in Memphis, Tennessee, established in 1864. It holds $83.6B in total assets - 37th of 4,313 FDIC-insured banks, $68.1B in customer deposits, and $63.8B in net loans. Looking at capital strength, Tier 1 stands at 10.98%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 6.27%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (76/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
First Horizon Bank's asset base places it among the largest FDIC-insured institutions in the country, 37th of 4,313 nationally, and 1st of 111 banks headquartered in Tennessee. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$4.2B
Interest Income
$767M
Non-Interest Income
$2.0B
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Horizon Bank reports a Texas Ratio of 6.27% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.27% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Tennessee by total assets
National size peers: banks closest to First Horizon Bank by assets
First Horizon Bank is closely matched in total assets by Webster Bank, East West Bank, Flagstar Bank, Zions Bancorporation across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 0.99%, versus First Horizon Bank's own 1.35%; the average efficiency ratio is 59.18%, versus 56.18% here; and average Tier 1 capital sits at 12.24%, versus 10.98% at First Horizon Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $83.6B in assets, First Horizon Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| First Horizon Bank (this bank) | TN | $83.6B | 1.35% | 56.18% | 10.98% |
| Webster Bank, National Association | CT | $84.0B | 1.26% | 46.99% | 12.19% |
| East West Bank | CA | $79.7B | 1.72% | 35.05% | 13.85% |
| Flagstar Bank, National Association | NY | $87.5B | -0.14% | 93.16% | 12.83% |
| Zions Bancorporation, N.A. | UT | $89.0B | 1.01% | 62.94% | 11.48% |
| Western Alliance Bank | AZ | $92.7B | 1.10% | 60.19% | 11.76% |
| UMB Bank, National Association | MO | $72.8B | 1.01% | 56.76% | 11.34% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Horizon Bank (FDIC Cert #4977) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Pinnacle BankNashville | $57.6B | A | 1.25% |
| FirstBankNashville | $16.3B | B | 0.89% |
| Wilson Bank and TrustLebanon | $5.9B | A | 1.38% |
| SmartBankPigeon Forge | $5.9B | B | 1.00% |
| SouthEast BankFarragut | $3.5B | C | 0.68% |
| Home Federal Bank of TennesseeKnoxville | $2.7B | C | 0.21% |
| Builtwell BankChattanooga | $2.3B | A | 2.07% |
| Commercial BankHarrogate | $2.3B | A | 1.77% |
Frequently asked questions
What is First Horizon Bank's health grade?▼
First Horizon Bank receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First Horizon Bank?▼
First Horizon Bank holds $83.6B in total assets and $68.1B in deposits, ranking 37th of 4,313 FDIC-insured banks by asset size. It is headquartered in Memphis, Tennessee.
Is my money safe at First Horizon Bank?▼
Yes, deposits at First Horizon Bank (Certificate #4977) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Horizon Bank's Tier 1 Capital Ratio?▼
First Horizon Bank has a Tier 1 Capital Ratio of 10.98%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Horizon Bank?▼
First Horizon Bank has a Texas Ratio of 6.27%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Horizon Bank?▼
First Horizon Bank has an Efficiency Ratio of 56.18%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Horizon Bank's profile as a depositor or analyst.
- First Horizon Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Horizon Bank against other Tennessee banks before moving funds. Tennessee banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.