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Banking strength and stability since 1864. And they continue proudly today.

A word from our chairman and CEO

“Our strong capital position, disciplined credit quality, and well-diversified, stable funding mix enable our business to navigate challenging industry dynamics and consistently serve our clients and communities in a seamless fashion. We have the people, platform, and ambition to continue on our growth journey.”

– Chairman, President and CEO Bryan Jordan

A history of strength

Since 1864, First Horizon has continuously served clients through changing economic conditions and financial environments.

Both our liquidity position as well as our capital reserves remain strong.

Diversified Business Model

Our business model is well diversified by lines of business, geographically and by asset type, making our bank more resilient to market disruption.

By the numbers

As of 12/31/2023

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Fist Horizon Banking USA States  



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The company holds a strong capital position2

FH Q4 2023 Holding Capital
FH Q4 2023 Bank Level Capital 

What are the results of First Horizon’s most recent stress test?


What governance and oversight are in place?


First Horizon’s liquidity management approach is part of a comprehensive, enterprise-wide system of risk governance, measurement, management and reporting.

From the board to the business unit, we have established accountabilities, control processes, procedures and a management governance structure designed to align risk management with risk taking throughout the company.

The control procedures are aligned with four areas of governance including internal measures like specific risk committees, organizations and business unit practices, as well as independent assurance functions, to ensure our organization continues to evaluate the risk/return and earnings volatility with shareholder value.

Click here (opens in a new tab) to learn more about our risk management structure and approach, beginning on page 86, or liquidity risk management, beginning on page 91.

What is your deposit composition?


We have a stable mix of deposits from a diverse commercial and consumer customer base across Regional and Specialty Bank segments and our 12-state footprint. 

Diversified Deposit Mix by Product

Core Funded with Insured Deposits 

What are your credit ratings?


Our credit ratings4 are investment grade, indicating an ability to navigate a variety of economic environments. You can read more about the credit ratings below.

First Horizon Corporation

  Moody's5 Fitch Ratings6
Long-Term Issuer Default Rating Baa3 (NEG) BBB (Stable)
Short-Term Issuer Default Rating F2 (Stable)
Viability Rating bbb (Stable)
Preferred Stock Ba2 (hyb) (NEG) BB- (Stable)
Senior Unsecured Baa3 (NEG) BBB (Stable)

First Horizon Bank

  Moody's5 Fitch Ratings6
Long-Term Issuer Default Rating Baa3 (NEG) BBB (Stable)
Subordinated Debt Baa3 (NEG) BBB- (Stable)
Short-Term Deposits P-2 (NEG) F2 (Stable)
Long-Term Deposits A3 (NEG) BBB+ (Stable)
Preferred Stock Ba2 (hyb) (NEG) BB- (Stable)
Viability Rating bbb (Stable)
Senior Unsecured F2 (Stable)

How does First Horizon’s FDIC membership offer deposit protection?


The FDIC (Federal Deposit Insurance Corporation) is an independent agency of the United States federal fovernment and insures all types of deposits received by a financial institution in its usual course of business. FDIC-insured deposits are backed by the full faith and credit of the United States federal government. The current standard maximum deposit insurance amount has been permanently increased to $250,000. The FDIC insurance coverage limit applies per depositor, per insured depository institution for each account ownership category. Learn more.