First Horizon Bank (FDIC #4977): Bank Stress & Real-Estate Credit Exposure

First Horizon Bank (FDIC Cert #4977): bank stress 58/100, moderate, STABLE over 7 days; parent FIRST HORIZON CORP (FHN).

First Horizon Bank (#4977) lends in 125 counties across 12 states; First Horizon Bank (#4977) reaches 2,481 ZIP codes: North Carolina 27 counties, 379 ZIPs; Tennessee 26 counties, 317 ZIPs; Louisiana 17 counties, 238 ZIPs; Florida 14 counties, 515 ZIPs; Georgia 10 counties, 155 ZIPs; Arkansas 8 counties, 129 ZIPs.

First Horizon Bank (#4977) largest markets: Harris County, TX (572 branches, 143 ZIPs) (#4977), Dallas County, TX (95 branches, 95 ZIPs) (#4977), Miami Dade County, FL (1,215 branches, 81 ZIPs) (#4977), New York County, NY (70 branches, 70 ZIPs) (#4977), Jefferson County, AL (448 branches, 64 ZIPs) (#4977), Hillsborough County, FL (174 branches, 58 ZIPs) (#4977).

First Horizon Bank (#4977) reports $84.12 billion in total assets; First Horizon Bank (#4977) equity $9.41 billion (11.2% of First Horizon Bank (#4977) assets); First Horizon Bank (#4977) domestic deposits $68.79 billion; First Horizon Bank (#4977) net income $585.0 million; First Horizon Bank (#4977) return on assets 1.40%; First Horizon Bank (#4977) return on equity 12.53%; First Horizon Bank (#4977) net interest income $1.37 billion; First Horizon Bank (#4977) call report June 30, 2026.

First Horizon Bank (#4977) noncurrent real-estate loans 0.02% of its book; First Horizon Bank (#4977) commercial real estate -0.01%; First Horizon Bank (#4977) multifamily 0.03%; First Horizon Bank (#4977) residential 0.04%; First Horizon Bank (#4977) net charge-offs on real estate 1.10%; First Horizon Bank (#4977) residential charge-offs 1.40%.

First Horizon Bank (#4977) net interest margin 3.55% against an eight-quarter First Horizon Bank (#4977) average of 3.48% (First Horizon Bank (#4977) compression -0.06 points); First Horizon Bank (#4977) real-estate loans 1.8% of equity; First Horizon Bank (#4977) non-residential real estate 140.0% of equity; First Horizon Bank (#4977) rate-exposure score 50/100, First Horizon Bank (#4977) fixed-rate trap 50/100; First Horizon Bank (#4977) risk type market signal; First Horizon Bank (#4977) rate regime rates elevated; First Horizon Bank (#4977) shares 12.1% below the 52-week high, First Horizon Bank (#4977) equity trend weakening, First Horizon Bank (#4977) snapshot October 19, 2026.

First Horizon Bank (#4977) stress score moved from 56.8 on June 22, 2026 to 58.5 on October 19, 2026; First Horizon Bank (#4977) ranged 56.8 to 58.5 over 116 snapshots.

First Horizon Bank (#4977) alerts: 38 counties; top First Horizon Bank (#4977) alert scores: Madison County, TN 42 (moderate); Houston County, TN 41 (moderate); Jackson County, TN 34 (low); Baton Rouge County, TN 21 (low); Clarksville County, TN 21 (low).