FIRST HORIZON BANK
BANK
INSUFFICIENT VOLUME · DIRECTIONAL ONLY
Data last verified: April 2026 snapshot|19 federal data sources|Methodology ›
Complaint rate · per 1,000 customersscale 0–10
05100.20PER 1,000 CUSTOMERS
Sector median 0.48 · Lowest in dataset 0.07
Complaint volume is below the threshold for confident scoring — position against peers shown is directional only.
Methodological confidence: HIGH · n=1,343 complaints over 14 years
Customer ratio
1 in 5,071
customers filed a federal complaint
Resolved with relief
17%
received monetary or non-monetary relief
Daily volume
0.3
complaints per day · 2011–2025 average
0.4× the sector median.
24-month trajectory · monthly complaint rate
24MO AGOTODAY0.00320.00
Where complaints concentrate · top 3 product categories
Checking & savings
0.09/1k
605
Mortgages
0.06/1k
391
Money transfers
0.01/1k
95
TOTAL COMPLAINTS
1,343
2011–2025
YEAR-ON-YEAR
↓ 8%
below baseline · 0.0127
RESOLUTION RATE
17%
below CFPB median
SHADOW RATE
~4/1k
directional
FEDERAL CONSENSUS
0 / 6
no active records
5 nearest rates in scored dataset
HANCOCK WHITNEY BANK
0.17/1k
▸ FIRST HORIZON BANK
0.20/1k
WEBSTER BANK, NATIONAL ASSOCIATION
0.21/1k
FIRST NATIONAL BANK OF PENNSYLVANIA
0.22/1k
BANCO POPULAR DE PUERTO RICO
0.28/1k
Complaint Coach
File with CFPB
Exit Guide
Move accounts
Compare
Other institutions
Federal data sources
CFPBOCCFDICFTCFederal ReserveFinCENHUDDOJNCUATreasuryFFIECFHFA
Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU

FIRST HORIZON BANK is a low-risk institution based on federal complaint data.

At 0.20 complaints per 1,000 customers, this institution is below our low-risk threshold of 0.50 — placing it among the better performers in our dataset of 2,333 scored US financial institutions. Complaint rates are normalised for institution size, so this score is directly comparable across banks large and small. The High confidence rating means this score is based on substantial complaint volume and is statistically reliable.

→

Always review your specific product category and the complaint breakdown below, as overall rates can mask issues in specific areas like credit cards or mortgages.

Most common words in federal complaints about FIRST HORIZON BANK
iberiaiberiabankcheckbecausepaymentsreportneverfraudmoneydate
Extracted from 67 consumer complaint narratives · CFPB database
Complaint Profile
Rate / 1,000 customers0.20/1k
Total complaints (2011–2025)1,343
Year-on-year change-8%improving
Timely response rate99.1%
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 — White applicants28.5%
Denial rate — Black applicants46.3%
Denial rate — Hispanic applicants10.1%
Racial disparity index1.62×↑ significant disparity
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%
Loan modification,collection,foreclosure6%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
Methodological notes
✓ No risk flags identified across 21 data sources. 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 ›