BlastPoint's Banking Scorecard
First Horizon Bank
Large
Specialty: Commercial
TN
FDIC cert 4977
Memphis, TN
69
banks in Large tier nationally
2 in TN
View Large leaderboard (TN) →
First Horizon Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 13% in Large
- - Capital Thin: Bottom 24% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$83.6B
+2.1% YoY
+0.8% QoQ
|
+$8.7B |
$74.9B
-4.4% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$63.8B
+2.4% YoY
+1.7% QoQ
|
+$17.4B |
$46.4B
-2.1% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$68.1B
+2.5% YoY
+3.0% QoQ
|
+$7.6B |
$60.5B
-4.5% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
1.35%
+23.8% YoY
+1.8% QoQ
|
+0.15% |
1.19%
+17.8% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
3.54%
+3.9% YoY
+0.6% QoQ
|
+0.08% |
3.46%
+13.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
56.18%
-2.2% YoY
+0.7% QoQ
|
+1.16% |
55.03%
-2.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
0.98%
-3.7% YoY
-1.7% QoQ
|
+0.10% |
0.88%
-0.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
93.74%
-0.1% YoY
-1.3% QoQ
|
+12.02% |
81.72%
+3.9% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.14%
-4.9% YoY
-3.9% QoQ
|
+4.17% |
19.97%
+0.5% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.75%
-3.5% YoY
-1.5% QoQ
|
+0.20% |
0.55%
+9.0% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
11.38%
-1.4% YoY
-3.5% QoQ
|
-1.94% |
13.33%
-0.7% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
Bottom 13% in tier |
| Non-Interest Income / Assets ? |
0.92%
+1.8% YoY
+35.8% QoQ
|
-0.17% |
1.09%
+2.4% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#3 of 16 · Bottom 13% in Large
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
93.74%
(Tier: 81.72%, National: 78.04%)
16 of 16 Large banks match
·
609 nationally
→ Stable
-4 banks QoQ
Capital Thin
risk
#5 of 18 · Bottom 24% in Large
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
11.38%
(Tier: 13.33%, National: 9.75%)
18 of 18 Large banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Loan-to-Deposit Ratio
Current: 93.74% · Tier avg: 81.72%
83
83th pctile
Total Loans
Current: $63.8B · Tier avg: $46.4B
72
72th pctile
Total Deposits
Current: $68.1B · Tier avg: $60.5B
71
71th pctile
Total Assets
Current: $83.6B · Tier avg: $74.9B
68
68th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.19%
62
62th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 1.09%
58
58th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.46%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 24.14% · Tier avg: 19.97%
46
46th pctile
Efficiency Ratio
Current: 56.18% · Tier avg: 55.03%
35
35th pctile
Delinquency Rate
Current: 0.98% · Tier avg: 0.88%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.75% · Tier avg: 0.55%
13
13th pctile
Tier 1 Capital Ratio
Current: 11.38% · Tier avg: 13.33%
Top Weaknesses
13
13th pctile
Tier 1 Capital Ratio
Current: 11.38% · Tier avg: 13.33%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.75% · Tier avg: 0.55%
35
35th pctile
Delinquency Rate
Current: 0.98% · Tier avg: 0.88%
46
46th pctile
Efficiency Ratio
Current: 56.18% · Tier avg: 55.03%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 24.14% · Tier avg: 19.97%
58
58th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.46%
62
62th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 1.09%
68
68th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.19%
71
71th pctile
Total Assets
Current: $83.6B · Tier avg: $74.9B
72
72th pctile
Total Deposits
Current: $68.1B · Tier avg: $60.5B
83
83th pctile
Total Loans
Current: $63.8B · Tier avg: $46.4B
87
87th pctile
Loan-to-Deposit Ratio
Current: 93.74% · Tier avg: 81.72%