The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 3 points (61 → 64), mostly because the earnings component improved by 5 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Tennessee

Yes. First Horizon Bank is an FDIC-insured institution (FDIC certificate #4977). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.3% of deposits ($27.7B) are above the $250,000 FDIC insurance limit, close to the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.32%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.02% (benchmark: 10%).

Check how much of your own balance is covered

First Horizon Bank lists 403 offices in 223 cities across 12 states. Most locations:

• Knoxville, TN (17)
• Memphis, TN (15)
• Nashville, TN (12)
• Chattanooga, TN (11)
• Lafayette, LA (8)
• Miami, FL (7)
• New Orleans, LA (7)
• Baton Rouge, LA (6)
• Durham, NC (6)
• Naples, FL (6)
• Raleigh, NC (6)
• Winston Salem, NC (6)

All branch addresses and map

Over the last three years, the CFPB forwarded 535 consumer complaints about FIRST HORIZON BANK to the company (235 in the last 12 months). 99.6% received a timely response. That is 7.8 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, First Horizon Bank reported 13,280 home-loan applications under HMDA (LEI COOWI3L2W9TPYR3WJX37): 8,447 originated ($3,549,095,000 total), 2,972 denied, and 1,561 withdrawn or closed by the applicant. Its denial rate on decided applications was 25.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

First Horizon Bank

Former names

First Tennessee Bank N.A. Memphis; First Tennessee Bank, National Association; First Tennessee Bank National Association Memphis; The First National Bank of Memphis

Type

State-chartered bank (Fed member)

FDIC certificate #

4977

RSSD ID

485559

Primary regulator

FED

Holding company

First Horizon Corp

Established

January 1, 1864

Headquarters

165 Madison Ave, Memphis, TN 38103

Website

www.firsthorizon.com

Employees

7,431