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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Tennessee, the state note

First Horizon Bank

Memphis, Tennessee · $84.12B in assets · beside the 11 other the South Central states banks over $10B (the state alone holds too few in the band to rank)

The filing

20.9%
CRE / loans
1st of 12
143.0%
CRE / capital
1st of 12
95.7%
Loans / deposits
10th of 12

First Horizon Bank is the second largest of the 12 the South Central states banks nearest its size over $10B, with $84.12B in assets at 30 June 2026. Loans are 95.7% of deposits, 10th of 12 against a median of 89.2%, and equity is 11.2% of assets, 10th of 12. Loans grew +3.4% in the year, 10th of 12, and deposits grew 3.7%; the cohort's median loan growth is +6.3%.

Noncurrent loans are 0.83% of the book, 5th of 12 against a median of 0.89%; 0.14% is 30 to 89 days past due, and the allowance covers them 1.3 times. Net charge-offs are 0.19% of loans, 8th of 12. Commercial real estate is 20.9% of loans, the lowest in the cohort against a median of 36.9%, and 143% of capital, below the 300% screen, with construction at 17% against the 100% screen.

Return on assets is 1.38%, 7th of 12 against a median of 1.39%, on an efficiency ratio of 56.0%, 8th of 12. Five years ago it was 1.35%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansSouth Central states banks over $10B · 30 June 2026 · lower is stronger, listed first
median 36.9% FH First Horizon Bank 20.9% HW Hancock Whitney Bank 24.2% AB Arvest Bank 29.3% PB Pinnacle Bank 30.8% TB Trustmark Bank 35.5% SY Stock Yards Bank & Trust Co. 36.0% F Firstbank 37.8% RB Renasant Bank 41.8% SB Servisfirst Bank 46.1% SB Simmons Bank 46.3% CB Centennial Bank 47.6% BO Bank Ozk 53.1%
Loans, year over yearSouth Central states banks over $10B · 30 June 2026 · no better direction, largest first
median +6.3% PB Pinnacle Bank +137.8% F Firstbank +30.4% SY Stock Yards Bank & Trust Co. +15.1% CB Centennial Bank +12.9% SB Servisfirst Bank +9.3% AB Arvest Bank +7.0% SB Simmons Bank +5.6% HW Hancock Whitney Bank +4.9% TB Trustmark Bank +3.9% FH First Horizon Bank +3.4% RB Renasant Bank +2.7% BO Bank Ozk -1.3%

SBA 7(a), FY2008 to FY2026

First Horizon Bank is the 30th largest 7(a) lender into Georgia of 409, with $165M across 169 loans, 0.8% of everything approved in the state (Metro City Bank leads with $1.91B). 134 of its 179 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Georgia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Fulton, GA$69M12th of 2112.2%-0.8 pts
Shelby, TN$28M5th of 1393.6%quiet FY2022
Gwinnett, GA$24M32nd of 1691.0%+0.3 pts
Mecklenburg, NC$21M25th of 1771.0%-0.5 pts
Orange, FL$21M26th of 2011.0%-0.5 pts
Harris, TX$21M71st of 3140.3%-0.7 pts
Ascension, LA$17M1st of 5513.0%thin
Dekalb, GA$16M25th of 1511.0%+0.2 pts
Wake, NC$16M31st of 1810.9%+0.6 pts
Cobb, GA$16M29th of 1820.9%thin
Knox, TN$15M8th of 1243.3%-7.5 pts
Jefferson, LA$15M8th of 843.9%+2.8 pts
Duval, FL$15M24th of 1711.1%-1.5 pts
166 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing105$104M13.9%0.26%66th of 2,246
Accommodation & food services127$99M13.3%0.13%144th of 2,596
Retail trade127$94M12.6%0.15%115th of 2,589
Construction97$77M10.2%0.24%73rd of 2,063
Health care & social assistance95$60M8.0%0.13%117th of 2,172
7(a) lenders into Georgia, share of approvals since FY2008409 lenders on record; the ten largest and First Horizon Bank
MC Metro City Bank 9.6% $1.91B · 1,541 loans LO Live Oak Banking Company 4.9% $963M · 746 loans TH The Huntington National Bank 4.2% $835M · 1,424 loans AB Ameris Bank 4.0% $792M · 980 loans SB Southstate Bank, National Associa… 3.3% $661M · 785 loans TB Truist Bank 3.3% $654M · 1,625 loans PB Pinnacle Bank 3.1% $618M · 592 loans RB Renasant Bank 3.0% $597M · 783 loans HB Hometrust Bank 2.6% $515M · 441 loans WF Wells Fargo Bank National Associa… 2.5% $500M · 2,514 loans FH First Horizon Bank 0.8% $165M · 169 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
First Horizon BankRankCohort median
Total CRE against capital, the 300% screen143%1st of 12252%
Construction against capital, the 100% screen17%1st of 1267%
Construction and land development, share of loans2.5%1st of 129.8%
Non-owner-occupied nonfarm nonresidential, share of loans12.7%1st of 1221.2%
Total CRE, the guidance definition, share of loans20.9%1st of 1236.9%
CRE growth over 36 months, the third prong-3.2%1st of 12+21.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Pinnacle Bank$128.79B0.9%63.1%0.48%0.22%1.1%86.8%11.5%
First Horizon Bank$84.12B1.4%56.0%0.83%0.19%1.1%95.7%11.2%
Bank Ozk$41.70B1.6%39.5%0.92%0.62%1.4%95.8%15.1%
Hancock Whitney Bank$36.33B1.0%55.3%0.57%0.17%1.3%82.4%12.0%
Arvest Bank$28.05B0.5%81.6%0.86%0.37%1.1%83.2%8.4%
Renasant Bank$26.99B1.4%55.7%0.96%0.05%1.5%87.7%15.4%
Simmons Bank$24.73B1.2%56.8%0.92%0.20%1.3%90.7%13.1%
Centennial Bank$24.55B2.0%42.2%0.55%0.07%1.9%87.1%17.2%
Trustmark Bank$19.19B1.3%63.0%1.14%0.12%1.0%87.6%11.6%
Servisfirst Bank$18.34B1.9%29.6%1.18%0.17%1.3%99.5%10.9%
Firstbank$16.76B1.5%52.8%1.40%0.08%1.5%90.9%11.7%
Stock Yards Bank & Trust Co.$10.36B1.6%52.6%0.31%0.00%1.4%93.0%12.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First Horizon BankCohort median
20212026Change20212026Change
Loans$57.67B$65.84B+14%$11.04B$18.76B+70%
Deposits$74.33B$68.79B-7%$16.64B$21.05B+26%
NPA / loans0.64%0.83%+0.19 pts0.56%0.89%+0.33 pts
Efficiency62.8%56.0%-6.8 pts62.9%55.5%-7.4 pts
ROA1.35%1.38%+0.04 pts1.40%1.39%-0.01 pts

This read was prepared for First Horizon Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Horizon Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks over $10B
Institution www.firsthorizon.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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