# FIRST HORIZON BANK
MEMPHIS, TN · FDIC certificate 4977 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 1 (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 | $84.12B | |
| Deposits | $68.79B | |
| Loans and leases | $65.84B | |
| Total equity | $9.41B | |
| Loans / deposits | 94.68% (p80 of band) | 85.78% |
| Liquid assets / assets | 14.09% (p10 of band) | |
| Uninsured deposits / deposits | 40.33% (p57 of band) | 38.39% |
| Brokered deposits | 9.31% | |
| Wholesale funding | 13.09% (p75 of band) | |
| FHLB advances / assets | 0.71% | |
| Tier 1 leverage | 10.32% (p56 of band) | 10.17% |
| Unrealized securities loss / equity | -9.17% (p42 of band) | -7.43% |
| AOCI / equity | -0.39% (p45 of band) | |
| ROA (annualized) | 1.40% (p64 of band) | 1.24% |
| Net interest margin | 3.55% (p47 of band) | 3.57% |
| Efficiency ratio | 55.09% (p51 of band) | |
| Noncurrent loans | 0.83% (p64 of band) | 0.66% |
| Net charge-offs (annualized) | 0.15% (p68 of band) | |
| Reserve coverage of noncurrent | 130.00% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 17.34% (p34 of band) | |
| Auto loans | $5.7M (0.01% of loans; DQ 3.26%, NCO 0.00%) | |
| Loans to nondepository financials | $8.92B (95% of equity) (p89 of band) | |
| Deposits YoY | 3.7% | |
| Employees | 7431 | |

## Flags firing in the latest filing

- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, wholesale funding >15%, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | loans exceed deposits |
| 2011-09 | 4 | loans exceed deposits |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 |  | loans exceed deposits |
| 2012-06 | 4 | losing money |  |
| 2012-09 | 6 | loans exceed deposits, loans-to-lenders >50% equity |  |
| 2012-12 | 5 |  | losing money |
| 2013-03 | 1 |  | wholesale funding >15%, expense ratio p90, loans exceed deposits, loans-to-lenders >50% equity |
| 2013-06 | 3 | wholesale funding >15%, loans-to-lenders >50% equity |  |
| 2013-09 | 4 | expense ratio p90, assets shrinking | loans-to-lenders >50% equity |
| 2013-12 | 3 |  | wholesale funding >15% |
| 2014-03 | 1 |  | expense ratio p90, assets shrinking |
| 2014-06 | 3 | loans-to-lenders >50% equity, deposits shrinking |  |
| 2014-09 | 1 |  | loans-to-lenders >50% equity, deposits shrinking |
| 2014-12 | 4 | wholesale funding >15%, capital falling, loans-to-lenders >50% equity |  |
| 2015-03 | 5 | losing money, expense ratio p90 | wholesale funding >15% |
| 2015-06 | 4 |  | capital falling |
| 2015-09 | 3 |  | losing money |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | expense ratio p90 |
| 2016-06 | 4 | wholesale funding >15%, capital falling |  |
| 2016-09 | 4 | brokered >10% | reserve under noncurrent |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 3 |  | brokered >10% |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 4 | expense ratio p90, reserve under noncurrent |  |
| 2018-03 | 3 |  | expense ratio p90 |
| 2018-06 | 3 | expense ratio p90 | reserve under noncurrent |
| 2018-09 | 3 | reserve under noncurrent | expense ratio p90 |
| 2018-12 | 2 |  | wholesale funding >15% |
| 2019-03 | 3 | capital falling |  |
| 2019-06 | 2 |  | capital falling |
| 2019-09 | 3 | wholesale funding >15% |  |
| 2019-12 | 1 |  | reserve under noncurrent, wholesale funding >15% |
| 2020-03 | 3 | wholesale funding >15%, capital falling |  |
| 2020-06 | 2 |  | wholesale funding >15% |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 3 | uninsured deposits >50%, capital falling |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | NIM <2.5% | uninsured deposits >50% |
| 2022-06 | 1 |  | NIM <2.5% |
| 2022-09 | 3 | deposits shrinking, assets shrinking |  |
| 2022-12 | 4 | uninsured deposits leaving |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 3 |  | assets shrinking |
| 2023-09 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-09-01 [Tennessee Athletics and First Horizon Announce Historic Partnership Extension - University of Tennessee Athletics](https://news.google.com/rss/articles/CBMivgFBVV95cUxNUzlBdkVCUEpDZV8ydzhwcDNaRm81UGxuUm9SMkxocW9xR1RvX1F2U3ZGWjVQX1hRTnI2dEJ2R3A4TlNtOTFhSFBmZV9OampBaVpwU3lNY09SQ1dpYTFCUHdhYkpMRkF3X0h0LW5CV1dFYmJreDdKWHZvTThUUWFzb1ZzcGI5ZU1WSWFMWllzUFg2dEgtX2xiSFBMcENpalZxTzhBckFhS2FRR0JmbmtMbC1yZTdJODdpdXJuN3Z3?oc=5) · University of Tennessee Athletics
- 2026-08-24 [Coming Soon: First Horizon Bank to Open New Banking Center in Houston Area - PR Newswire](https://news.google.com/rss/articles/CBMiyAFBVV95cUxONndSYXZ5blhzdWlsR3dIcFpYYXN0eWJENEVVd0VpMzY2U0ZlOGdpTnB5Z3hQcHdJMjlTRGZiQ3JmalhfY21pblpScUgydlh6XzFuQkdmT204WFlMSWM3cjBSUFVUSGMxX1J1WTgxc1RjTWZKOFpXVDVSZlJ4azZRZmxSaGRrM2sxZGdxeEZjb2EtTGVkbGgyY3lzbkItQTV2VnJmRmltUEswYXpDZDVWYUI1VXE1THYzSHNNLTFMNmpUb0NHS3NPUQ?oc=5) · PR Newswire
- 2026-09-03 [First Horizon Bank football poster features George MacIntyre, not Faizon Brandon - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMihAJBVV95cUxObndHMWxGUGdUMzk0czdLLTFFRk90RFREcUVJTUhMZU1BUWtzX2RaQ0haLTIyaE1vUE5PYjlyMnhvcEZweURVMFpydFloX0F6Zk1rZVZvSEZIV3FjMFlZLVdXT0R0a2pGQVRpY21Ha2N2NjkwTHRBR1lRM1hXbnRQVDJPNWtTM2dER3FEYVdFaEFVeHQtblhwdGRCbmxSNU95T0hwaGNfYlRZa2twTHp1Qy1fNmlCOWY3S2pjY3g4Mm5jZTFENkVTTzlBN3lEUFU3aV9rckoxOFFwdGF3WVpDbjJDLUg4VlFkR0NoNE5LTEdXd25ycE1HQ0ZZYzZlU1FGMC1VVw?oc=5) · Knoxville News Sentinel
- 2026-09-01 [Tennessee Athletics announces first-ever football jersey patch sponsor - WVLT](https://news.google.com/rss/articles/CBMipAFBVV95cUxOWlRDLVlxQnlZWmtVczBSN1V6Z0kxZGJiVUY0OFo2aWY3TWNkR1Y1bXNVTnpiUktGWlJCTFpscWJqa05vei0zaUtHeXY5bk8yd0F2SzdWd3RwN1BkR0Q3N2JyS0dQU3RheDZhWnQwaWlYOVVGNTJ3NVlBUFBvaXVtWmlYSWJFYzU2dm9ZM0ZQbEt6X2RheEk2ZjlZbjhIaGYyS01TSQ?oc=5) · WVLT
- 2026-09-01 [Tennessee Volunteers unveil new jersey patch sponsorship with First Horizon Bank - WKRN News 2](https://news.google.com/rss/articles/CBMiygFBVV95cUxPNlM3ZGg1QVJJYkJ4azlzdE1Xa3BQb2RaRnVTYmx3UHJ4S0NucThpSUw4NXNuUm9ldW1CbGRYLWN3c25TNlIwY3A0Q2hvV1F5NGFzUDNITGVNXzRqU2ljUTRORldmdnRUWnRKTGJoeXVrekptNk9EWG5VNW53QldTenlXSWJtWndCc09CNlU5NDB0X015RUFlRDRTdklsb1FKN3JhUTg3V1ZkZHpHcUhNWVBlMXREaGpfUHltQ3VhNmFVOFhlSUV3dUh3?oc=5) · WKRN News 2
- 2026-07-27 [First Horizon Bank Expands Loan Syndications Team with Strategic Hires - PR Newswire](https://news.google.com/rss/articles/CBMixAFBVV95cUxQUDFFUEVUd040cFFUZTdKTF9kdjZUZG5wYW9idFptMzk4LTZUYk1WOTJ2d25CRG5TMUdCT1k3dlpjQ1hIbGZTaHl1U0JvZEFKYXA5Nm05ak1FYnZGbmx5YWswY0JWZjFOckptTW44V0ZOcVdQRVhxREczNXdtbHd4cTliVFpERTh6amZpbGtTS0FZdmZqLURHNFZqeUM1NmVhaGNuN2NxUEgtWmxZTURHNzFFbXUyNEVGY3V0eDN3bUhuYnp5?oc=5) · PR Newswire
- 2026-09-01 [Tennessee football, Olympic sports will wear First Horizon jersey patch - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMi4gFBVV95cUxNRU0tejNoZVlYU1NJSlV2ZzVySVJidnphYzMwM1Z0Mm5nTWgyTDFCa0F5azl1WU1Hc2l1cm83TGYzSTBnR0Q5eE5CMFRscnB1N2hsZTBmNWgzanNPcnRmMVpTUzRLSnpGYmlwNTZMQlNLc2tLejhMZl9HM2FidW5ubGhFTXVVQXkzUW5LbnljVmdwMVdYVk5iQlNvQnRhZm10Y2FzVHg0WXhIMUJOVUxiSVY3a044MHltUFZ1b0pGUGl1Q0h5UWRGelhHb3BldlR3Y3F3VEVMZ09OOWE5RDZmODZR?oc=5) · Knoxville News Sentinel
- 2026-06-22 [Cleveland Market President of First Horizon Bank, Logan Young, Named Manager of Business Banking for East Tennessee Region - PR Newswire](https://news.google.com/rss/articles/CBMihwJBVV95cUxPM3g2QUpEOHJjNlgzQ0NDd0ZTRUZoZV9ub2YxZlBKRHJsYWNzdW5DZ1NIRmt4QW8zZUNWMUtoeDdoa3pSV1pyYXdQanZJdGtLRnVaS1FwUWwwSVJoMXgxZDRZT2ZOS3c1bDI5cUFuZ2czZGc5QlU3V2NYZU1BcFlMbUNDY1ZvNGl1T2ZobU9DaVJkVXEtRURCXzJyOGhsdThCMXU4WWdFSHhpNDJzaTE2UDhUaDFpc3UzU1UzVDdqbmZTdzRrQXQ5MTF2YVlnRF9aczlHbUdQZUp5d0R5MV84NEdwZGYzcmh6YXZ6aS14eDBpRnh6VUVrUXktUlMwcU5ZaGg0YUpHaw?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4977 (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/49.json (key "4977", 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