# HORIZON BANK
FYFFE, AL · FDIC certificate 20972 · asset band <$300M · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $97.8M | |
| Deposits | $79.8M | |
| Loans and leases | $41.3M | |
| Total equity | $15.1M | |
| Loans / deposits | 51.59% (p19 of band) | 73.48% |
| Liquid assets / assets | 44.52% (p72 of band) | |
| Uninsured deposits / deposits | 6.26% (p13 of band) | 14.60% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.77% (p88 of band) | 10.87% |
| Unrealized securities loss / equity | 0.06% (p72 of band) | -0.29% |
| AOCI / equity | 1.40% (p87 of band) | |
| ROA (annualized) | -1.05% (p2 of band) | 0.83% |
| Net interest margin | 3.39% (p36 of band) | 3.63% |
| Efficiency ratio | 111.04% (p97 of band) | |
| Noncurrent loans | 1.07% (p65 of band) | 0.63% |
| Net charge-offs (annualized) | 2.58% (p100 of band) | |
| Reserve coverage of noncurrent | 14.03% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 12.44% (p44 of band) | |
| Auto loans | $816,000 (1.98% of loans; DQ 3.19%, NCO 0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | noncurrent p90 |
| 2012-03 | 3 | noncurrent p90, uninsured deposits leaving |  |
| 2012-06 | 4 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2012-09 | 3 |  | assets shrinking |
| 2012-12 | 3 | uninsured deposits leaving | deposits shrinking |
| 2013-03 | 4 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 2 |  | noncurrent p90, capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | losing money, expense ratio p90 | charge-offs p90 |
| 2014-06 | 2 | uninsured deposits leaving | losing money, expense ratio p90 |
| 2014-09 | 1 |  | uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 0 |  | reserve under noncurrent, capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 4 | losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-03 [First Horizon Bank Welcomes Ray Cenolli as Retail Banking Executive for the Memphis Market - PR Newswire](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQMXFBaDNtMXdCeU56ZUxqeUNtNzF2OG9HbG43ejEweklIc2FmUXBvOUNXdU5IWUZxenpfUHM4aTc5TzBXYUF6VG43Mi1TdDJwSWVBUTAtX0wzOFZFblI0Mm5KVzJEd2hURGlOcVdhb2luQ0ZrdExaMVlLNUk4MjBxR3U5cEVMeW0zQXpsdzlpQXczdjNURk1jRzA5bWlKSXNZeTNFbld2cHg4NmpucGJUWFM5YzZUbld0WF9IQ21YOEVUcUxkczFBY3hhMnJDLWYtT1lFVkJpMDdwVEtnd0FJ?oc=5) · PR Newswire
- 2026-07-17 [First Horizon Bank Establishes Huntsville Advisory Board - Huntsville Business Journal](https://news.google.com/rss/articles/CBMisAFBVV95cUxOY19TbFM2N2VFVDlpcHR5VkotY1hxS3ZJbzFuM0g4dXU3WnRKcExwVjBhcEVLMUR5Nll1Q2NLaUlfNGRtOWZBRGp2ZElnNzZuNUZYVkMwOUJjNWd6S2ZyMmk4clpIZzhMV0F1YVNDdHNibmQ3c0h1U2V1a054Q0hfenphWXRGYnFrX19saU9TaWpzSzBHSFp3UUNXMEg4ZS0zeDk2R2h6Q0dESTAwaGdWQQ?oc=5) · Huntsville Business Journal
- 2026-09-01 [This SEC school lands its jersey sponsor with exclusivity for football, Olympic sports - AL.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxNMkpHbE9vTDB0ZUhaYU02U0VucnJaMjVvX1dla1hyeDgzMFRIaGNnWV93OGxjYWZOalVBejFsY3dPQnpiUnlVR3lqZk1mQm5Ma2lsUl9jSDRnc3diSVZFT00zNW8tMXNHc1NOTlE1dHlDYWlHQnk5eE1wZjNOaWVZT2VJOWF3TmVFR1I1YnVMb3V1QS1yLS10QklSWGdYNXZ3cmFtR2QyN2x4ZjNaX0ZZWEpodHZDYUo4NTRhZWd3?oc=5) · AL.com
- 2025-12-04 [Spotlight On: Hunter Hill, South Central Regional President, First Horizon Bank - Capital Analytics Associates](https://news.google.com/rss/articles/CBMitwFBVV95cUxNUUFKT0ZqSHhMWjB1cmt5WXl1bnpvNFNMMGdwRjR0U2IyeWxzRUp1QUZ1Sm45OXN3U0ZpYjZ6OFNtLVNTUzhBdXdTcnZQMmJkWjlTTGFrMmFfOXFsSksxUmFaMnFsNnRuV1FtMFhTWldtcGJRVzZZZVhBNno1QjVZR1U3U2g4dUtfUjBhYWJvSmZfLUZjRnV5VjMyRWZiTWdzX1I4aGxULTJnN09tZ0p2TFlQZ0hJRFk?oc=5) · Capital Analytics Associates
- 2026-06-04 [Memphis bank hires retail banking exec to oversee Mid-South region - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNWWdTOC1XNzRRM2xkTFRWZ0ZNemItenBPVkJkTlhNNEVsdXRRa0ZOYW95UkozeEg3WHM0ZVM0cjFJMUNVWExnRXFrdVk0eVlLeFA3azc3enlMNTZ6MWdHU0o5a2RYajRyMzRoMXJBNjFsUi13ZzBKN2c5NUJtdlZGcko1VDRjaXBVcU9XR1RMZWE1SFVpdlhvMTBUcFlFcTZGNVNJMg?oc=5) · The Business Journals
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-04-09 [Forrest Harrington Joins First Horizon Bank’s Huntsville Commercial Banking Team - Huntsville Business Journal](https://news.google.com/rss/articles/CBMizwFBVV95cUxQZG1ncnd2a1Jxa21Sa0dnazloaWFtSnZ1Ql8xTGd2QW5XY092bEdmVjlCcklKck9LdzFJaVR3LTJocnpfdTJJQXQ3Wl9CM3h6dGdyeWVBRnMxdHlkMFp2RW81bnl5MkY2SW13ZVk3em0yaUtZX1dDX29zaWVXR1NhVEE2MlBiOTVWMjZzNWhpUWREbXlta0RBQlkwSS1rOV81cEpfNWlIVE81SUZYYW1fUjRZenhNWnRaYWxLaTdveEFUaHRQaFNlT24yc0JPSWs?oc=5) · Huntsville Business Journal
- 2026-08-03 [First Horizon Bank Bonus: $700 Checking & Savings - Best Wallet Hacks](https://news.google.com/rss/articles/CBMiXkFVX3lxTE0ydHU0TmtIN0xsZGlNdHhEWVZpS29wSmcwcHR4WDdhTnd4ZWg4SjNpQjNReEZmbW9IeWFOcElQVFV3UUxTR1NEenh5UlFjRTdwUk9xOURKS1RpZWZkU0E?oc=5) · Best Wallet Hacks

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20972 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/44.json (key "20972", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide