First Horizon Bank
First Horizon Bank is the banking subsidiary of First Horizon Corporation (NYSE: FHN), founded in 1864 in Memphis, Tennessee. It operates 416 banking centers across 12 southeastern U.S. states, serving consumers, small businesses, commercial clients, and wealth management customers with deposits, lending, treasury management, and advisory services.
- Company typePublic
- Founded1864
- HeadquartersRaleigh, United States
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
What First Horizon Bank does
First Horizon Bank is the operating banking subsidiary of First Horizon Corporation (NYSE: FHN), a publicly traded regional bank holding company founded in 1864 and headquartered in Memphis, Tennessee. As of March 31, 2026, the bank held $84.1 billion in total assets and operated 416 banking centers across 12 southeastern U.S. states, employing more than 7,200 associates. The bank serves four primary customer segments: individual consumers, small businesses, commercial and corporate clients (including healthcare, energy, and manufacturing verticals), and wealth management clients, delivered through a relationship-based community banking model with regional market presidents in Charlotte, Atlanta, New Orleans, Memphis, Lafayette, and the Triangle region of North Carolina.
First Horizon's product portfolio spans deposit accounts (FirstView, SmartView, and TotalView checking; Money Market, TotalView Money Market, and Traditional Savings; Regular CDs), consumer lending (conventional, FHA, VA, USDA, ARM, and construction-to-permanent mortgages, HELOCs, auto loans, and personal loans), small business banking (BizEssentials checking, SBA loans, cash management), commercial and specialty banking (treasury management, commercial real estate lending, industry-specialty teams), and wealth management (private banking, investment services, financial planning, insurance, and trust and estate planning offered through First Horizon Advisors in partnership with LPL Financial). Technology delivery is through a digital banking platform with iOS and Android mobile apps, online account opening, Zelle peer-to-peer payments, mobile deposit, QuickBooks integration for small business, and bill pay. No proprietary AI/ML capabilities are disclosed.
The business model is a traditional regional commercial bank revenue model: net interest income from lending activities (mortgages, commercial, consumer loans, securities) supplemented by fee-based income from deposit account services, wire transfers, and ATM fees, plus professional services revenue from wealth management and advisory. FY2025 revenue was $3.35 billion with EPS of $1.89 (up 31%) and a 13% dividend increase. Pricing follows tiered subscription-style account fees (e.g., $0 FirstView, $15 SmartView, $25 TotalView monthly service charges) waivable through qualifying balances and direct deposits, with certificate of deposit APYs ranging from 0.05% to 0.75% across tiers and terms. The company generates market presence through long-tenured event sponsorships (Bristol Motor Speedway since 2001, New Orleans Jazz & Heritage Festival since 2015, First Horizon Coliseum in Greensboro) and financial education programs (Teach Children to Save reaching nearly 8,700 students in 2026).
First Horizon Bank firmographics
Firmographics- Name
- First Horizon Bank
- Legal name
- First Horizon Corporation
- Website
- https://firsthorizon.com
- Company type
- Public
- Founded year
- 1864
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- First Horizon Bank is the banking subsidiary of First Horizon Corporation (NYSE: FHN), founded in 1864 in Memphis, Tennessee. It operates 416 banking centers across 12 southeastern U.S. states, serving consumers, small businesses, commercial clients, and wealth management customers with deposits, lending, treasury management, and advisory services.
- Ownership category
- akta.pro rank
First Horizon Bank industry classification
Industry- Product category
- Retail and Commercial Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021), Personal Credit Institutions (6141)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Credit Cards & Revolving Credit (FSABAAAC)
Keywords
Where First Horizon Bank is headquartered
LocationHeadquarters
- HQ city
- Raleigh
- HQ country
- United States
- HQ region
- North America
Offices7 records
Markets served
First Horizon Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: Interest income from lending activities including mortgages, commercial loans, consumer loans, and securities
- Fee-based Income: Fee income from banking services including checking account fees, ATM fees, wire transfer fees, and service charges
- Wealth Management and Advisory Services: Revenue from investment services, financial planning, insurance, and trust services through First Horizon Advisors (offered through LPL Financial)
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | FirstView Checking - Basic checking with no monthly service charge |
| Subscription | Monthly | SmartView Checking - Premium checking with interest and enhanced benefits |
| Subscription | Monthly | TotalView Checking - Premium checking with maximum benefits |
| Subscription | Monthly | Money Market Savings - Tiered interest savings |
| Subscription | Monthly | TotalView Money Market Savings - Exclusive premium savings |
| Subscription | Monthly | Traditional Savings - Basic savings account |
| One time/ perpetual license | Annual | Regular CDs - Fixed-term certificates of deposit |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
First Horizon Bank product offering
Product offeringCore offering
First Horizon Bank is a regional bank providing personal banking (checking, savings, CDs, mortgages, personal loans, auto loans, credit cards), small business banking (checking, SBA loans, cash management), commercial and specialty banking (treasury management, corporate lending, industry-specific expertise in healthcare, energy, construction), and wealth management (financial planning, investments, trust and estate services, private banking). It distributes these services through 416 banking centers across 12 southeastern U.S. states, plus online and mobile banking channels.
Product overview
First Horizon Bank operates as a regional financial services company offering a comprehensive banking platform across multiple segments: Personal Banking (checking, savings, credit cards, mortgages, personal loans, auto loans, and digital banking), Small Business Banking (BizEssentials checking, SBA loans, cash management), Commercial & Specialty Banking (treasury management, corporate lending, industry-specific expertise in healthcare, construction, energy), and Wealth Management (financial planning, investment services, private banking, trust and estate planning). The bank serves customers through multiple delivery channels including 416 banking centers across 12 southern U.S. states, comprehensive digital and mobile banking platforms, and dedicated relationship managers.
Differentiator
Problem solved
Functional benefit
Products and services
- FirstView Checking Basic consumer checking account with no monthly service charge when enrolled in eStatements, free digital banking, no in-network ATM fees, and complimentary traditional savings account. Requires $50 minimum opening deposit.
- SmartView Checking Premium consumer checking account with interest earnings, complimentary money market savings account, and foreign ATM fee refunds. $15 monthly service charge refundable with qualifying balances/activity.
- TotalView Checking Premium consumer checking account with foreign ATM refunds, wire fee refunds up to $25 per cycle, complimentary TotalView Money Market Savings, and $25 monthly service charge waivable with qualifying balances/direct deposit.
- Money Market Savings Tiered interest savings account for consumers offering competitive APY rates by balance tier, with ATM/check access and automatic savings features. $9 monthly fee waived with $5,000 balance or linked SmartView Checking.
- TotalView Money Market Savings Exclusive money market savings account for TotalView Checking clients with higher tiered APY rates and no monthly service charge when linked to TotalView Checking.
- Traditional Savings Basic consumer savings account with 0.25% APY, $50 minimum opening deposit, and $5 quarterly fee if balance falls below $250.
- Regular CD Consumer certificate of deposit with terms from 30 days to 60 months, competitive fixed interest rates, and automatic renewal options. $1,000 minimum opening.
- Visa Signature Credit Card Premium consumer credit card offering travel rewards, purchase protection, and exclusive benefits for cardholders.
- Platinum Visa Credit Card
Quantifiable outcome
- Recognized as Top Winner for Best Small Business Bank in 2026 CityBusiness Reader Rankings
- +2 more outcomes
Companies that use First Horizon Bank
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
First Horizon Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature1 record
First Horizon Bank partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- LPL FinancialcoreFirst Horizon Advisors is a brand name used by First Horizon Bank employees who provide securities, advisory, financial planning, and insurance products and services offered through LPL Financial (LPL), a registered investment advisor and broker-dealer. This is a core distribution relationship for wealth management services.
- First Horizon AdvisorscoreFirst Horizon Advisors is the brand for wealth management services including securities, advisory, financial planning, and insurance products offered through LPL Financial. Provides investment services to First Horizon Bank clients.
Scale indicators11 records
Recent moves8 records
Expansion highlights5 records
First Horizon Bank competitors and assessment
Company assessmentDirect peers
- Regions Financial Corporation: Direct competitor headquartered in Birmingham with deep Southeast U.S. presence. Offers analogous consumer checking, mortgages, commercial lending, and wealth management with similar community-bank-style relationship model.
- Truist Financial Corporation: Direct Southeast-focused regional bank competitor formed from the BB&T/SunTrust merger. Operates a comparable branch-led consumer and commercial banking model across overlapping southeastern states with similar wealth and small-business segments.
- Pinnacle Financial Partners: Tennessee-headquartered regional bank with strong Nashville and Southeast presence. Closely comparable community-focused commercial and consumer banking model targeting similar mid-market and high-net-worth segments.
- Hancock Whitney Corporation: Gulf Coast regional bank with strong Louisiana and Mississippi presence, directly overlapping First Horizon's New Orleans, Acadiana, and Houma markets. Comparable commercial, private banking, and wealth offerings.
- Fifth Third Bank: Midwestern-anchored super-regional bank with growing Southeast franchise (notably Nashville, Charlotte, Atlanta). Competes directly in commercial banking, treasury management, and consumer deposits in overlapping markets.
- Synovus Financial: Georgia-headquartered regional bank serving the Southeast with consumer, commercial, and wealth services. Overlapping Atlanta and broader Southeast footprint with similar relationship-driven commercial banking model.
- BankUnited: Florida-headquartered regional bank with Southeast commercial and consumer banking presence. Comparable middle-market commercial lending and treasury management capabilities, especially in Florida markets where First Horizon is expanding.
- Trustmark Corporation: Mississippi-headquartered regional bank with branches across the Southeast. Offers comparable consumer, commercial, and wealth management services with similar mid-sized regional bank profile.
- Atlantic Union Bankshares: Virginia-based regional bank serving the Mid-Atlantic and Southeast with commercial banking, mortgage, and wealth services. Comparable scale and product mix with overlap in Carolinas and Virginia markets.
- Cadence Bank: Southeast and Texas-focused regional bank offering commercial, consumer, and treasury management services. Directly competes with First Horizon in Alabama, Mississippi, Tennessee, and Texas markets.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
First Horizon Bank social profiles
Digital presenceFirst Horizon Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
First Horizon Bank leadership team
Management profileNumber of profiles
Profiles42 records
First Horizon Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
First Horizon Bank M&A and investment
M&A and investmentM&A1 record
Investments26 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about First Horizon Bank
What does First Horizon Bank do?
First Horizon Bank is a regional bank providing personal banking (checking, savings, CDs, mortgages, personal loans, auto loans, credit cards), small business banking (checking, SBA loans, cash management), commercial and specialty banking (treasury management, corporate lending, industry-specific expertise in healthcare, energy, construction), and wealth management (financial planning, investments, trust and estate services, private banking). It distributes these services through 416 banking centers across 12 southeastern U.S. states, plus online and mobile banking channels.
Is First Horizon Bank a public or private company?
First Horizon Bank is a public company. It is classified as public and is currently operating.
When was First Horizon Bank founded?
First Horizon Bank was founded in 1864. It employs 5,001 to 10,000 people.
Where is First Horizon Bank based?
First Horizon Bank is headquartered in Raleigh, United States, in the North America region.
How does First Horizon Bank make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are fee-based Income and wealth Management and Advisory Services.
Who are First Horizon Bank's main competitors?
Direct peers on record are Regions Financial Corporation, Truist Financial Corporation, Pinnacle Financial Partners, Hancock Whitney Corporation, Fifth Third Bank, Synovus Financial, BankUnited, Trustmark Corporation, Atlantic Union Bankshares and Cadence Bank.
Does First Horizon Bank have an API?
No public API is recorded for First Horizon Bank.
What industry is First Horizon Bank in?
First Horizon Bank's product category is Retail and Commercial Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 52211 and its SIC code is 6021.