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First Horizon Bank
Memphis, TN·FDIC Cert #4977·Charter: STATE·Est. 18640101.0·HC: FIRST HORIZON CORP
Total Assets
$83.6B
Q4 2025
Return on Assets
1.35%
+0.02%Peer avg: 1.26%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.18%
Peer avg: 53.0%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.35%+0.02
ROE
12.18%+0.23
Efficiency
56.18%+0.38
Equity/Assets
0.00%+0.00
NPL Ratio
0.98%-0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
93.74%-1.24
Charge-offs
0.19%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.3 | 1.3 | 1.3 |
| ROE | 10.2 | 10.2 | 10.4 | 10.0 | 11.2 | 11.6 | 11.9 | 12.2 |
| Efficiency | 57.9 | 57.4 | 57.5 | 57.5 | 54.7 | 54.7 | 55.8 | 56.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.9 | 0.9 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 |
| Charge-offs | 0.3 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 92.1 | 95.5 | 92.2 | 93.8 | 94.9 | 94.8 | 95.0 | 93.7 |
Balance Sheet
Total Assets$83.6B
Total Deposits$68.1B
Total Loans$63.8B
Total Equity$9.2B
Profitability
ROA1.35%
ROE12.18%
Efficiency Ratio56.18%
Net Income$1.1B
Risk & Asset Quality
NPL Ratio0.98%
Charge-off Rate0.19%
Loan/Deposit93.74%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans