What ftb.com does

First Horizon Bank is a regional, FDIC-insured commercial bank operating as a subsidiary of TD Bank Group following its 2022 acquisition of First Horizon Corporation. The bank serves four primary customer segments — Individuals & Families, Small Business Owners, Commercial & Industrial clients, and Wealth Clients — across the southeastern United States through a hybrid distribution model that combines physical branch banking, an ATM network, dedicated wealth advisors, and a Digital Banking / Mobile Banking portal that integrates LPL Account View, eMoney financial planning, Mortgage, Commercial Safekeeping, and Trust Services under a unified login.

Its product surface spans personal banking (checking, savings, mortgages, personal loans), business and commercial banking (small business solutions, commercial lending, treasury and cash management), and wealth management (investment management, trust services, retirement and estate planning). Revenue is generated through four streams: net interest income on loans and deposits, banking fees and service charges, wealth management fees, and commercial banking services — i.e., a traditional spread-and-fee commercial bank model rather than subscription or transaction-fee tech economics. Pricing is not publicly disclosed on the website and varies by customer segment, product, and market conditions.

The technology stack centers on a unified digital banking platform with mobile app enrollment, a security and fraud protection suite covering personal and business scams (phishing, BEC, ACH/wire fraud, ransomware), and third-party integrations with LPL Financial (brokerage view) and eMoney (financial planning). Go-to-market combines direct-to-consumer digital self-service with consultative, sales-led relationship banking for commercial and wealth clients, supported by a Learning Center content hub and social media presence. The company is privately held under TD Bank Group ownership, has no disclosed AI/ML capabilities in the source material, and competes on regional presence, human relationship banking, and multi-product ecosystem integration rather than on technology differentiation.

Name

ftb.com

Legal name

First Horizon Bank

Website

https://ftb.com

Company type

Private

Operating status

Operating

Short description

First Horizon Bank is a TD Bank Group subsidiary providing personal, small business, commercial, and wealth banking services across the southeastern US through branches, digital/mobile platforms, and dedicated advisors.

Ownership category

akta.pro rank

Product category

Retail and Commercial Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Retail banking services
• Commercial lending
• Wealth management advisory
• Mortgage and loan products
• Small business banking

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Net Interest Income: Primary revenue stream from spread income on loans (mortgages, commercial loans, personal loans) and deposits. The bank earns interest income on its loan portfolio while paying interest on customer deposits.
2. Banking Fees and Service Charges: Revenue from account maintenance fees, transaction fees, ATM fees, overdraft charges, wire transfer fees, and other banking service charges on personal and business accounts.
3. Wealth Management Fees: Advisory and management fees from trust services, investment management, and wealth planning services provided to high-net-worth individuals and families. Includes First Horizon Wealth Management services.
4. Commercial Banking Services: Specialized banking services for commercial and industrial clients including commercial lending, cash management, treasury services, and commercial deposit products.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

First Horizon Bank is a regional bank operating in the southeastern United States that delivers personal banking (checking, savings, mortgages, personal loans), small business and commercial banking services, and wealth management advisory through a combination of physical branch locations and digital/mobile banking platforms. The bank generates revenue primarily from net interest income on loans and deposits, supplemented by account fees, service charges, and wealth management advisory fees.

Product overview

First Horizon Bank offers a unified banking platform with multiple integrated services organized across four primary segments: Personal Banking (checking, savings, mortgages, personal loans, digital/mobile banking), Business Banking (small business solutions and commercial banking), Wealth Management (investment management and trust services), and value-added tools (LPL Account View, eMoney, and Learning Center). The core digital experience includes Digital Banking and Mobile Banking as the primary access channels, with additional specialized services like Commercial Safekeeping for business clients.

Differentiator

Problem solved

Functional benefit

Brands

• First Horizon Wealth Management: Marketing name for wealth-related services including investment management and trust services available to First Horizon clients.

Products and services

• Digital Banking Online banking platform allowing customers to access accounts, transfer funds, pay bills, and manage finances through a web browser.
• Mobile Banking Smartphone application enabling banking on-the-go with account access, transactions, and mobile deposit capabilities.
• Checking Accounts Personal checking accounts offered in multiple tiers, ranging from basic accounts to premium accounts with enhanced features and benefits.
• Savings Accounts Personal savings accounts for depositing and growing funds with competitive interest rates.
• Mortgages Home loan products including purchase mortgages and refinancing options for individuals purchasing or refinancing homes.
• Personal Loans Unsecured and secured borrowing solutions for personal financial needs.
• Small Business Solutions Banking services tailored for small business owners including business checking, lending, and cash management.
• Commercial Banking Comprehensive banking services for commercial and industrial businesses with large-scale financial needs including commercial lending, treasury, and cash management.
• Wealth Management Investment management and wealth advisory services for high-net-worth individuals including retirement planning and asset protection.
• Trust Services Trust and fiduciary services including investment management provided by First Horizon Bank for estate planning and asset management.
• Commercial Safekeeping Secure storage services for commercial documents and valuables.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Truist Financial Corporation: Truist is the largest southeastern US regional bank formed from the BB&T-SunTrust merger, offering retail, commercial, and wealth services across the same Southeast footprint as First Horizon. Direct competitor for the same individuals, small business, and commercial clients.
• Regions Financial Corporation: Regions is a southeastern regional bank headquartered in Alabama with retail, commercial, and wealth management offerings closely matching First Horizon's product mix. Overlaps materially in Tennessee, Alabama, Georgia, and Florida markets.
• Fifth Third Bank: Fifth Third is a Midwest- and Southeast-focused regional bank with comparable consumer, commercial, and wealth segments. Competes directly for SMB and middle-market commercial relationships in overlapping geographies.
• Citizens Financial Group: Citizens is a regional bank with retail, commercial, and wealth management offerings, expanding across the East Coast and Midwest. Closely comparable business mix with similar middle-market commercial focus and consumer banking franchise.
• KeyCorp: KeyCorp is a regional bank serving consumer, small business, and commercial clients across the Northeast, Midwest, and parts of the Southeast. Comparable product breadth and target segments to First Horizon Bank.

Broad incumbents

• Bank of America: Bank of America is a national incumbent with significant southeastern presence offering retail, commercial, and wealth management services. Competes with First Horizon across all segments but at materially greater scale and brand reach.
• Wells Fargo: Wells Fargo is a national bank with full retail, commercial, and wealth capabilities and deep branch penetration across the Southeast. Competes with First Horizon across all customer segments as a broad incumbent.
• PNC Financial Services: PNC is a larger super-regional bank offering retail, commercial, and wealth services with growing Southeast presence following its acquisition of BBVA USA. Overlaps in commercial banking and wealth, but broader geographically and more diversified.
• JPMorgan Chase: JPMorgan Chase is the largest US bank with retail, commercial, and wealth management businesses. National incumbent that increasingly encroaches on southeastern regional bank territory through branch expansion and digital scale.

Regional players

• Synovus Financial: Synovus is a smaller southeastern regional bank headquartered in Georgia with retail, commercial, and wealth services. Direct competitor within the Southeast footprint but smaller scale than First Horizon.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/FirstHorizonBnk
• YouTubeyoutube.com/@firsthorizonbank9430
• Facebookfacebook.com/FirstHorizonBank
• LinkedInlinkedin.com/company/first-horizon-bank
• Instagraminstagram.com/first_horizon

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ftb.com