FIRST HORIZON BANK
BANK
INSUFFICIENT VOLUME · DIRECTIONAL ONLY
Data last verified: May 2026 snapshot|12 federal data sources|Methodology ›
Complaint rate · per 1,000 customersscale 0–10
05100.20PER 1,000 CUSTOMERS
Sector median 0.50 · Lowest in dataset 0.09
Complaint volume is below the threshold for confident scoring — position against peers shown is directional only.
Methodological confidence: HIGH · n=1,363 complaints over 14 years
Customer ratio
1 in 4,933
customers filed a federal complaint
Resolved with relief
17%
received monetary or non-monetary relief
Daily volume
0.3
complaints per day · 2011–2026 average
2.4× the rate of FIRST CITIZENS BANCSHARES, INC. (lowest); 0.4× the sector median.
24-month trajectory · monthly complaint rate
24MO AGOTODAY0.00350.00
Where complaints concentrate · top 3 product categories
Checking & savings
0.09/1k
635
Mortgages
0.06/1k
386
Money transfers
0.01/1k
94
TOTAL COMPLAINTS
1,363
2011–2026
YEAR-ON-YEAR
↓ 8%
below baseline · 0.0127
RESOLUTION RATE
17%
below CFPB median
SHADOW RATE
~4/1k
directional
FEDERAL CONSENSUS
—
—
5 nearest rates in scored dataset
HANCOCK WHITNEY BANK
0.17/1k
▸ FIRST HORIZON BANK
0.20/1k
WEBSTER BANK, NATIONAL ASSOCIATION
0.22/1k
FIRST NATIONAL BANK OF PENNSYLVANIA
0.23/1k
AMERIS BANCORP
0.23/1k
Complaint Coach
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Federal data sources
CFPBOCCFDICFTCFederal ReserveFinCENHUDDOJNCUATreasuryFFIECFHFA
Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU

Sample size sits below the confidence-tier threshold for normalised scoring.

CFPB complaint volume on file for this institution is below the threshold ComplaintRate methodology uses for confidence-tiered scoring — the Directional confidence tier captures institutions whose sample size is too thin for a reliable per-1,000-customer rate. Position against scored peers shown above is directional only. Sub-signal observations (timely response, enforcement record, complaint category distribution) remain on the federal record and render below where data is present.

FULL RECORD
Complaint Profile
Rate / 1,000 customers0.20/1k
Total complaints (2011–2026)1,363
Year-on-year change-8%improving
Timely response rate99.0%
Complaint rate normalised per 1,000 estimated customers. National median ≈ 0.30/1k.
Financial Health Indicators
Net charge-off rate0.19%✓ healthy
Tier 1 capital ratio11.0%✓ adequate buffer
Loan loss reserve ratio1.14%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
HMDA Mortgage Fair Lending · 2023
Mortgage denial rate10.1%
Denial rate by raceNot reportedInsufficient verified sample
Racial disparity indexNot reportedInsufficient data to report a reliable disparity figure
Based on 5,612 mortgage applications · FFIEC HMDA 2023
Regulatory Enforcement Record
No active or recent enforcement actions on file across the 6 tracked agencies. Each row links to that regulator’s source explainer.
Top Complaint Issues
Managing an account27%
Trouble during payment process6%
Incorrect information on your report6%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
Methodological notes
✓ No risk flags identified across 21 data layers. This institution has no recorded government bailouts, regulatory enforcement, GSE suspensions, or federal litigation.
Institution Status
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›