Side-by-side · Q2 2026 data
First Horizon Bank vs Gulf Atlantic Bank
Metric by metric
| Measure | First Horizon Bank | Gulf Atlantic Bank |
|---|---|---|
| TellerScore | 64 (stronger) | 62 |
| Capital cushion | 53 (stronger) | 44 |
| Loan quality | 72 | 93 (stronger) |
| Earnings | 76 (stronger) | 47 |
| Funding & liquidity | 38 | 46 (stronger) |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 46th | 22nd |
| Total assets | $84.1B | $253.2M |
| Deposits / shares | $68.8B | $213.0M |
| Capital ratio | 10.32% (stronger) | 9.38% |
| Problem loans | 0.83% | 0.20% (stronger) |
| Net charge-offs | 0.19% (stronger) | 0.19% |
| Return on assets | 1.40% (stronger) | 0.68% |
| Loans ÷ deposits | 94.7% | 89.1% (stronger) |
| Uninsured deposits | 40.3% | 37.7% (stronger) |
| Offices | 403 | 5 |
| CFPB complaints (3 yrs) | 535 | — |
| Complaints per $1B deposits | 7.8 | — |
| Mortgage denial rate (HMDA) | 25.4% | — |
First Horizon Bank has the higher TellerScore (64 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First Horizon Bank leads on 4 and Gulf Atlantic Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.