First Horizon Bank

Retail and Commercial Bankingfirsthorizon.com

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

Retail banking services
Commercial lending
Wealth management
Treasury management
Mortgage loans

Where First Horizon Bank is headquartered

Location

Headquarters

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 offering

Core 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 profile

Named customers3 records

Segments4 records

Ideal customer profiles4 records

First Horizon Bank technology and API

Technology

Technology 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 signal

Partnerships

Two partnerships are on record, tiered core.

LPL FinancialcoreTechnology or Integration · 31 December 2025First 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 AdvisorscoreStrategic or Co-development Partner · 31 December 2025First 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 assessment

Direct 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 financial estimates

Financial estimate

Revenue estimate

Valuation estimate

First Horizon Bank leadership team

Management profile

Number of profiles

Profiles42 records

First Horizon Bank funding detail

Funding detail

Funding 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 investment

M&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?

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.