Hotspots cell
neither
retail not elevated · office not elevated · WARN-corroborated
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First Horizon Bank
Memphis, TN · FDIC cert 4977
· class SM
· primary regulator FED
· charter STATE
· holding company First Horizon Corp
total assets $84,116mn · band $10-100bn · established 1864 · Call Report 2026Q2 · branches from the 2026 Summary of Deposits
total assets $84,116mn · band $10-100bn · established 1864 · Call Report 2026Q2 · branches from the 2026 Summary of Deposits
The public record, as the regulator reads it. Every number on this page is from an FDIC filing
or a public loan-level tape; every line is the regulator's own; nothing is scored, summed or graded.
This bank is over neither of SR 06-26's two criteria.
Where its branches are
A state is filled where this bank has a branch; a bubble is a metro of the CRE spine, sized by how many of the bank's branches are in it. Presence only — a branch is a building in a ZIP, and no dollar is allocated to any place on this map.
States · 12
Every jurisdiction the Summary of Deposits lists a branch in; the map fills these, and a row the projection cannot draw says so rather than disappearing.
The deposit column sums to $68.8B, the deposits booked at domestic branches on 2026-06-30. Deposits are booked to an office, not earned in a market — the largest single booking is Memphis, TN, 20.4% of the bank's; read the branch counts as the bank's presence, not the dollars.
| state | branches | of the bank's | deposits booked | of deposits |
|---|---|---|---|---|
| TN | 134 | 33.0% | $34.1B | 49.6% |
| NC | 78 | 19.2% | $6.8B | 9.8% |
| FL | 73 | 18.0% | $11.1B | 16.1% |
| LA | 54 | 13.3% | $7.8B | 11.3% |
| AL | 13 | 3.2% | $2.2B | 3.2% |
| GA | 13 | 3.2% | $1.4B | 2.0% |
| AR | 12 | 3.0% | $1.1B | 1.5% |
| SC | 9 | 2.2% | $614M | 0.9% |
| VA | 8 | 2.0% | $512M | 0.7% |
| TX | 7 | 1.7% | $2.3B | 3.4% |
| MS | 4 | 1.0% | $462M | 0.7% |
| NY | 1 | 0.2% | $490M | 0.7% |
The lines · 2026Q2 Call Report
SR 06-26 (the 2006 interagency guidance on CRE concentrations), the Prompt Corrective Action capital lines
(12 CFR 324.403) on the filer's own basis, and the FDIC's brokered-deposit line (12 CFR 327.16). A value on the far
side of its line is colored; that is the whole of what a crossed line means here.
| line | this bank | the line | the rule |
|---|---|---|---|
| Investor CRE / total risk-based capital | 143% total 235% |
≥ 300% | construction, multifamily and non-owner-occupied nonfarm nonresidential over total risk-based capital — the first half of criterion 2; owner-occupied excluded, as the guidance excludes it. "Total" beneath adds it back. |
| Construction & land loans / capital | 17.0% | ≥ 100% | construction, land development and other land loans over total risk-based capital — criterion 1 of the 2006 interagency guidance |
| CRE book growth, 36 months | -3.1% | ≥ 50% | the supervisory CRE book (owner-occupied excluded) against the same bank twelve quarters earlier — the second half of criterion 2, which the 300% line alone does not state |
| Total risk-based capital ratio | 13.0% | < 10% | total risk-based capital over risk-weighted assets; well capitalized at 10%, adequately at 8%. A CBLR filer reports none and is printed as not reported |
| Tier 1 risk-based capital ratio | 11.6% | < 8% | tier 1 capital over risk-weighted assets; well capitalized at 8%, adequately at 6%. A CBLR filer reports none and is printed as not reported |
| Tier 1 leverage ratio | 10.3% | < 5% | tier 1 capital over average assets; well capitalized at 5% for a risk-based filer, and the CBLR framework's own 9% line for a leverage-only filer |
| Brokered deposits / assets | 9.3% | ≥ 10% | brokered deposits over total assets; above 10% they begin to count in the FDIC's assessment formula (12 CFR 327.16) |
Criterion 1 is construction at or above 100% of capital:
not over.
Criterion 2 is BOTH halves — investor CRE at or above 300% of capital AND the book grown 50% or more in 36 months
(from the tape's own quarter, 2023Q2):
not over.
Capital is read on the risk-based basis this bank files on.
Its market · branches as of 30 June 2026
A branch is a building in a ZIP (FDIC Summary of Deposits); no dollar is allocated to any metro. For each metro this bank has a branch in:
the Hotspots reading (retail and office, each elevated or not against a bar set at the top quartile of the 298 metros with both readings — a relative cut, not a regulator's line),
the public CMBS tape in the metro, and the counts behind the doors.
52 metros, by branch count.
39 branches · 10% of the bank's
CMBS in the metro
69 loans
2.2% distressed · retail 0.0% · office 11.0%
Behind the door
16 on the forward watch
$457mn not yet in special servicing · 1 in special servicing with commentary · 7 WARN notices in 90 days (658 jobs)
32 branches · 8% of the bank's
Hotspots cell
retail only read
retail elevated · office not read · WARN-corroborated
CMBS in the metro
48 loans
6.3% distressed · retail 0.0% · office 0.0%
Behind the door
13 on the forward watch
$235mn not yet in special servicing · 4 in special servicing with commentary · 1 WARN notice in 90 days (119 jobs)
26 branches · 6% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
263 loans
0.8% distressed · retail 2.9% · office 0.0%
Behind the door
57 on the forward watch
$1,398mn not yet in special servicing · 1 in special servicing with commentary · 4 WARN notices in 90 days (351 jobs)
23 branches · 6% of the bank's
Hotspots cell
neither
retail not elevated · office not elevated
CMBS in the metro
17 loans
0.0% distressed · retail 0.0% · office 0.0%
Behind the door
2 on the forward watch
$42mn not yet in special servicing · 0 in special servicing with commentary · 1 WARN notice in 90 days (112 jobs)
15 branches · 4% of the bank's
Hotspots cell
neither
retail not elevated · office not elevated
CMBS in the metro
23 loans
0.0% distressed · retail 0.0%
Behind the door
5 on the forward watch
$73mn not yet in special servicing · 1 in special servicing with commentary · 0 WARN notices in 90 days
15 branches · 4% of the bank's
Hotspots cell
neither
retail not elevated · office not elevated · WARN-corroborated
CMBS in the metro
54 loans
0.0% distressed · retail 0.0% · office 0.0%
Behind the door
14 on the forward watch
$278mn not yet in special servicing · 0 in special servicing with commentary · 4 WARN notices in 90 days (664 jobs)
14 branches · 3% of the bank's
Hotspots cell
office
retail not elevated · office elevated
CMBS in the metro
17 loans
11.5% distressed · retail 0.0% · office 0.0%
Behind the door
4 on the forward watch
$87mn not yet in special servicing · 1 in special servicing with commentary · 0 WARN notices in 90 days
13 branches · 3% of the bank's
Hotspots cell
retail only read
retail not elevated · office not read · WARN-corroborated
CMBS in the metro
93 loans
3.2% distressed · retail 0.0% · office 16.5%
Behind the door
22 on the forward watch
$546mn not yet in special servicing · 1 in special servicing with commentary · 6 WARN notices in 90 days (429 jobs)
12 branches · 3% of the bank's
Hotspots cell
retail
retail elevated · office not elevated
CMBS in the metro
14 loans
0.0% distressed · retail 0.0%
Behind the door
2 on the forward watch
$38mn not yet in special servicing · 0 in special servicing with commentary · 1 WARN notice in 90 days (189 jobs)
12 branches · 3% of the bank's
Hotspots cell
neither
retail not elevated · office not elevated
CMBS in the metro
24 loans
8.2% distressed · retail 15.6% · office 19.4%
Behind the door
4 on the forward watch
$170mn not yet in special servicing · 1 in special servicing with commentary · 1 WARN notice in 90 days
11 branches · 3% of the bank's
Hotspots cell
neither
retail not elevated · office not elevated
CMBS in the metro
37 loans
0.0% distressed · retail 0.0% · office 0.0%
Behind the door
9 on the forward watch
$148mn not yet in special servicing · 0 in special servicing with commentary · 0 WARN notices in 90 days
10 branches · 2% of the bank's
Hotspots cell
retail only read
retail elevated · office not read · WARN-corroborated
CMBS in the metro
271 loans
1.8% distressed · retail 0.0% · office 8.3%
Behind the door
61 on the forward watch
$1,095mn not yet in special servicing · 7 in special servicing with commentary · 15 WARN notices in 90 days (2,354 jobs)
The remaining 40 metros, by branch count — the same reading, one row each:
| metro | branches | hotspots cell | CMBS loans | distressed | on the watch |
|---|---|---|---|---|---|
| Orlando-Kissimmee-Sanford, FL | 9 | retail | 97 | 5.7% | 25 |
| Cape Coral-Fort Myers, FL | 9 | neither | 21 | 0.0% | 4 |
| Baton Rouge, LA | 7 | retail only read | 38 | 8.0% | 5 |
| Naples-Marco Island, FL | 7 | neither | 8 | 0.0% | 0 |
| Birmingham, AL | 7 | retail | 33 | 9.1% | 6 |
| Hickory-Lenoir-Morganton, NC | 7 | neither | 7 | 2.2% | 1 |
| North Port-Bradenton-Sarasota, FL | 7 | neither | 20 | 0.0% | 3 |
| Lake Charles, LA | 6 | office only read | 6 | 15.5% | 1 |
| Kingsport-Bristol, TN-VA | 6 | neither | 5 | 0.0% | 0 |
| Greensboro-High Point, NC | 6 | retail | 27 | 3.7% | 5 |
| Houston-Pasadena-The Woodlands, TX | 5 | retail & office | 366 | 4.7% | 82 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | retail | 103 | 1.9% | 16 |
| Little Rock-North Little Rock-Conway, AR | 5 | retail | 21 | 0.0% | 4 |
| Johnson City, TN | 4 | retail only read | 4 | 0.0% | 0 |
| Burlington, NC | 4 | office only read | 6 | 0.0% | 0 |
| Morristown, TN | 3 | office only read | 3 | 0.0% | 1 |
| Huntsville, AL | 3 | neither | 26 | 3.8% | 7 |
| Monroe, LA | 3 | office | 1 | 0.0% | 0 |
| Asheville, NC | 3 | neither | 17 | 0.0% | 0 |
| Spartanburg, SC | 3 | neither | 13 | 7.9% | 4 |
| Slidell-Mandeville-Covington, LA | 3 | neither | 4 | 0.0% | 1 |
| Dallas-Fort Worth-Arlington, TX | 2 | retail | 271 | 2.6% | 63 |
| Mobile, AL | 2 | office | 10 | 0.0% | 1 |
| Cleveland, TN | 2 | office only read | 2 | 0.0% | 0 |
| Jonesboro, AR | 2 | neither | 1 | 0.0% | 0 |
| Jackson, TN | 2 | neither | 4 | 0.0% | 0 |
| Roanoke, VA | 2 | retail only read | 9 | 0.0% | 1 |
| Shreveport-Bossier City, LA | 2 | retail & office | 14 | 0.0% | 4 |
| Fayetteville-Springdale-Rogers, AR | 2 | retail only read | 13 | 0.0% | 2 |
| Jacksonville, FL | 2 | neither | 51 | 7.9% | 12 |
| Columbia, SC | 2 | retail | 25 | 0.0% | 9 |
| Fayetteville, NC | 2 | office only read | 16 | 6.1% | 4 |
| Greenville-Anderson-Greer, SC | 2 | neither | 30 | 3.9% | 4 |
| New York-Newark-Jersey City, NY-NJ | 1 | retail | 2,401 | 3.5% | 616 |
| Daphne-Fairhope-Foley, AL | 1 | neither | 8 | 0.0% | 1 |
| Charleston-North Charleston, SC | 1 | neither | 28 | 0.0% | 4 |
| Clarksville, TN-KY | 1 | office | 6 | 0.0% | 1 |
| Pinehurst-Southern Pines, NC | 1 | office only read | 2 | 0.0% | 0 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | office only read | 4 | 0.0% | 0 |
| Brunswick-St. Simons, GA | 1 | neither | 3 | 0.0% | 1 |
41 of the bank's 406 branches (10%) sit outside every metro the tape reads; nothing is printed for them.
Peers · the same asset band, nationally and in Nashville-Davidson--Murfreesboro--Franklin, TN
Every cohort is inside an asset band ($10-100bn), because size moves the concentration ratios more than anything else does. A position is an interval —
the share of the cohort below this bank and the share at or below it differ by the tie — and below 10 banks nothing is ranked.
$10-100bn, nationally
133 banks
Investor CRE / capital
28th pct
35 below · 1 at the same value · 91 above
Construction / capital
31–32th pct
40 below · 1 at the same value · 86 above
$10-100bn, in Nashville-Davidson--Murfreesboro--Franklin, TN
11 banks
Investor CRE / capital
9–18th pct
1 below · 1 at the same value · 9 above
Construction / capital
0–9th pct
0 below · 1 at the same value · 10 above
banks with a branch in this metro, from the 2026 Summary of Deposits. This metro holds 39 of the bank's 406 branches (10%), and 41 are outside any metro area; the bank operates in 52 metros.
Of the 133 banks in the $10-100bn band nationally, over each line:
Construction at or above 100% of capital — criterion 1 — 2 of 127 (1.6%); CRE at or above 300% of capital — 15 of 127 (11.8%); ... and the book grew 50% or more in 36 months — criterion 2 — 4 of 127 (3.1%); Over either criterion — 6 of 127 (4.7%); Total risk-based capital below 10% (risk-based filers) — 0 of 127 (0.0%); Tier 1 risk-based capital below 8% (risk-based filers) — 0 of 127 (0.0%); Tier 1 leverage below 5% (risk-based filers) — 0 of 127 (0.0%); Below a well-capitalized line, on the filer's own basis — 0 of 127 (0.0%); Brokered deposits at or above 10% of assets — 16 of 127 (12.6%).
What moves faster than the Call Report
Forward transfer-risk watch
1,097 loans
$27,195mn in this bank's metros scored High or Elevated for transfer to special servicing within two quarters, not yet transferred. The loans are the door.door
In special servicing, with commentary
132 loans
the servicer's own filed narrative, loan by loan. The narratives are the door.door
WARN notices, 90 days
147 notices
15,692 jobs, in this bank's metros, under review. The employers and addresses are the door.door
The four bank lenses
Franchise · Strain · Mark · Consolidation
every bank against every line, the franchise gradient, the mark on the book, the consolidation clock — this bank placed on each.door
Watch dossier
none
no watch dossier has been written for this bank; the absence is a fact about the watchlist, not about the bank.
Boundaries
- The Call Report carries no collateral geography. The footprint is where the branches are (FDIC Summary of Deposits, 30 June 2026), not where the loans are.
- The regulator's lines are absolute (SR 06-26, 12 CFR 324.403, 12 CFR 327.16) and read on the 2026Q2 Call Report; the 36-month growth is from the tape's own quarter, 2023Q2.
- Owner-occupied commercial real estate is excluded from criterion 2, as SR 06-26 excludes it.
- The Hotspots cell is a relative cut — the top quartile of the 298 metros with both readings on each lens (snapshot 2026-10-30) — not a line of any regulator's.
- A capital ratio is read on the filer's own basis (risk-based); a CBLR filer reports no risk-based ratio and none is inferred.
- This page is rebuilt nightly from stored filings; generated 2026-10-30. Banks under the Call Report tape's $100mn floor have no page.
See the whole picture, not just the call report.
These pages publish what every bank files about its commercial real estate book, quarter by quarter. The platform goes inside the filing: concentration against the supervisory lines, loan modifications, where the risk moved when it left the balance sheet, and how much room each of your lenders has left.