First Horizon Bank
Memphis, Tennessee · FDIC Cert #4977
First Horizon Bank is an FDIC-insured bank (Certificate #4977) with $81.9B in total assets and $65.4B in total deposits as of the Q2 2024 Call Report. Headquartered in Memphis, Tennessee, the bank maintains a Tier 1 capital ratio of 11.31% (Well-Capitalized) and a nonperforming loan ratio of 0.94%. BankHealthData assigns a composite Health Grade of B (66/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Horizon Bank (FDIC cert 4977) is a large bank with $81.9B in total assets and $65.4B in deposits, headquartered in Memphis, Tennessee. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is adequate: Tier 1 capital ratio of 11.31% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.94% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 14.3% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.42% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. First Horizon Bank carries a composite BankHealth grade of B (66/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Horizon Bank
- Total Assets
- $81.9B
- Total Deposits
- $65.4B
- Tier 1 Capital Ratio
- 11.31%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.94%
- Liquidity Ratio
- 14.25%
- Return on Assets
- 1.42%
- Headquarters
- Memphis, Tennessee
- FDIC Certificate
- #4977
- Health Grade
- B (66/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Horizon Bank holds a Tier 1 capital ratio of 11.31%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Horizon Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Horizon Bank shows strong financial health indicators. With $81.9B in assets and a Health Score of 66/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Horizon Bank Compares
First Horizon Bank’s Health Score of 66 is 4 points below the Tennessee state average of 70 across 95 FDIC-insured banks. Its 11.31% Tier 1 capital ratio is 2.7 points below the US banking industry average near 14%. The 0.94% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.42% is in line with or above the national ROA benchmark of ~1.1%. Among 30 similarly-sized banks, the average Health Score is 77, meaning this bank ranks below its size cohort. Site-wide, First Horizon Bank is 4 points below the portfolio average of 70.
Frequently Asked Questions
First Horizon Bank has a Bank Health Score of B (66/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.31%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Horizon Bank's Tier 1 capital ratio of 11.31% and nonperforming loan ratio of 0.94% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Horizon Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4977). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Horizon Bank holds $81.9B in total assets and $65.4B in total deposits. It is headquartered in Memphis, Tennessee (FDIC Certificate #4977).
First Horizon Bank has a Tier 1 capital ratio of 11.31%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.94%, and the return on assets is 1.42%.
Yes. First Horizon Bank is FDIC-insured (Certificate #4977). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Horizon Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.