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First Horizon competitors
and the alternatives

Last updated Oct 20, 2026 · 8 peers · 62 sources cited

Who are First Horizon's competitors, and what are the alternatives?

First Horizon's 2025 10-K, filed February 26, 2026, is unusually direct: it names its key traditional competitors as Bank of America, Fifth Third, First Citizens, Hancock Whitney, Huntington, JPMorgan Chase, Regions, Pinnacle, PNC, Truist and Wells Fargo, plus community banks and credit unions. Its consumer business competes where its 412 southern banking centers are, led by Tennessee (137), North Carolina (78), Florida (74) and Louisiana (55); specialty lines such as franchise finance and mortgage warehouse lending are national. In Tennessee the closest rivals are Regions, with 194 branches in the state, and Nashville's Pinnacle, which merged with Synovus on January 1, 2026; in Louisiana, Hancock Whitney; in North Carolina, Truist and Raleigh's First Citizens. The 10-K also names three newer kinds of rival: fintechs offering checking and payments through apps, digital-asset providers including stablecoin issuers, and private credit firms lending directly to businesses. Chime had 10.4 million active members in June 2026; Circle had $73.3 billion of USDC in circulation; and First Horizon joined a bank-built tokenized-deposit network in February 2026 to guard against stablecoins. Its fixed income business, FHN Financial, competes with major US and international securities firms for bank, thrift and credit-union clients, where SouthState's correspondent division also serves over 1,200 institutions.[1][2][3][4][5][6][7][8]

Data as of Oct 20, 2026 · First Horizon profile updated Oct 13, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

In its own words

What does First Horizon say about its competition?

"In all aspects of the businesses in which we engage, we face substantial competition from banks doing business in our markets as well as from savings and loan associations, credit unions, other financial institutions, consumer finance companies, trust companies, investment counseling firms, money market and other mutual funds, insurance companies and agencies, securities firms, mortgage banking companies, hedge funds, and other firms offering financial products or services."[1]

"Our traditional lending and deposit taking businesses, especially our consumer businesses, primarily compete in those areas within the southern U.S. where we have banking center locations. Our commercial businesses also have a geographic linkage, but it is weaker. Some areas of specialty lending, such as franchise finance, mortgage warehouse lending, asset-based lending, and certain other specialty businesses are multi-regional or national in scope rather than being heavily centered on banking center locations. Key traditional competitors in many of our markets include Bank of America N.A., Fifth Third Bank National Association, First-Citizens Bank & Trust Company (dba First Citizens Bank), Hancock Whitney Bank, Huntington National Bank, JPMorgan Chase Bank National Association, Regions Bank, Pinnacle Bank, PNC Bank National Association, Truist Bank, and Wells Fargo Bank N.A., among many others including many community banks and credit unions."[1]

"More recent entrants into markets for traditional banking services include: financial technology firms that offer checking, savings, and payment services through digital applications; digital-asset providers (including exchanges, blockchain-based payment networks, stablecoin issuers, and digital-asset lending and financing platforms); and private credit firms that provide direct lending and other alternative financing to businesses. These entities operate under regulatory and supervisory frameworks that differ from those applicable to banks and, in many cases, may be less comprehensive and less costly."[1]

"Competition for clients related to traditional and specialty banking products and services is most pronounced in rate pricing (loan rates, loan spreads, and deposit rates), services pricing, scope of services offered, quality of service, convenience, and ease of use for self-service products such as online and mobile banking." On FHN Financial: "We have many competitors within both groups, including major U.S. and international securities firms as well as numerous regional and local firms." (2025 Form 10-K, filed February 26, 2026.)[1]

By business line

Who competes with First Horizon in each of its businesses?

Business lineCompetitorTypeWhy it competes
Home region: Tennessee, the Carolinas, Florida and LouisianaRegions FinancialBankNamed in First Horizon's 10-K as a key competitor; Regions ran 194 branches in Tennessee, 270 in Florida and 79 in Louisiana at December 31, 2025, and is adding 150 branches in Florida, Georgia and Tennessee.[1][2][9]
Home region: Tennessee, the Carolinas, Florida and LouisianaPinnacle Financial PartnersBankNamed in First Horizon's 10-K; Nashville-based Pinnacle merged with Synovus on January 1, 2026 into a bank with 400-plus locations in nine states, and its own 10-K lists First Horizon in its performance peer group.[1][3][10]
Home region: Tennessee, the Carolinas, Florida and LouisianaTruistBankNamed in First Horizon's 10-K; Truist ranks 2nd by deposit share in North Carolina and 4th in Florida with 276 North Carolina and 441 Florida branches (December 31, 2025), First Horizon's second and third states by banking centers.[1][11]
Home region: Tennessee, the Carolinas, Florida and LouisianaHancock WhitneyBankNamed in First Horizon's 10-K; Hancock Whitney operates in Louisiana, Mississippi, Alabama, Florida and east Texas and in the Nashville and Atlanta metro areas, overlapping First Horizon's 55 Louisiana and 137 Tennessee banking centers.[1][4]
Home region: Tennessee, the Carolinas, Florida and LouisianaFirst Citizens BancSharesBankNamed in First Horizon's 10-K; Raleigh-based First Citizens completed its purchase of 138 BMO branches in September 2026, and First Horizon's CFO named Raleigh a market of interest for a deal in January 2026.[1][12][13][14]
Retail deposits and digital bankingBank of AmericaBankNamed in First Horizon's 10-K as a key traditional competitor; Bank of America runs 3,500 financial centers and says 60 million clients use its digital capabilities.[1][15]
Retail deposits and digital bankingJPMorgan ChaseBankNamed in First Horizon's 10-K as a key traditional competitor; Chase reported 74.6 million active digital customers and 5,083 branches in 2025.[1][16]
Retail deposits and digital bankingWells FargoBankNamed in First Horizon's 10-K as a key traditional competitor; it reported more than 33 million mobile active users in February 2026.[1][17]
Retail deposits and digital bankingChimeFintechFirst Horizon's 10-K names financial technology firms offering checking, savings and payment services through digital applications as new entrants; Chime had 10.4 million active members at June 30, 2026.[1][5]
Commercial, specialty and middle-market lendingFifth Third BancorpBankNamed in First Horizon's 10-K; Fifth Third absorbed Comerica and in September 2026 moved 293 Comerica banking centers in Arizona, California, Florida, Michigan and Texas onto its platforms, adding scale in Florida and Texas, two of First Horizon's top loan states.[1][18]
Commercial, specialty and middle-market lendingHuntington BancsharesBankNamed in First Horizon's 10-K; Huntington bought Cadence Bank, closing on February 2, 2026 with 390 Cadence branches, and Dallas-based Veritex in October 2025, extending it into the South and Texas.[1][19][20]
Commercial, specialty and middle-market lendingPrivate credit firmsNon-bank lenderFirst Horizon's 10-K names private credit firms that provide direct lending and other alternative financing to businesses among the recent entrants into traditional banking markets, under lighter and less costly frameworks.[1]
Payments and digital assetsCircle (USDC)FintechFirst Horizon's 10-K names stablecoin issuers among the new entrants into traditional banking; Circle had $73.3 billion of USDC in circulation in the second quarter of 2026, and First Horizon joined a bank-built tokenized-deposit network in February 2026 to guard against stablecoins.[1][6][7]
Payments and digital assetsCash App (Block)FintechBlock's 2025 10-K lists banks among Cash App's competitors in peer-to-peer payments and debit cards; Cash App had 59 million monthly transacting actives in December 2025.[21]
Fixed income and correspondent services (FHN Financial)SouthState (correspondent division)BankSouthState's correspondent and capital markets division serves over 1,200 community financial institutions, credit unions and money managers, the depository clients FHN Financial also serves.[8][1]
Fixed income and correspondent services (FHN Financial)Securities firmsBroker or asset managerFirst Horizon's 10-K says its fixed income business has many competitors among both depository and non-depository clients, including major US and international securities firms as well as regional and local firms.[1]
AI offerings compared

How do the AI and digital offerings of First Horizon's competitors compare?

First Horizon first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

CompanyAI or digital offeringOn the record (our profiles)Latest dated AI move
First Horizon (this page)ChatFHN and the Enterprise Data Hub[22][23]Index 68.7 (#36); 16 use cases, 7 in productionAI file-organisation tool saves hundreds of hours in three months (Oct 1, 2026)[24]
Regions FinancialIn-house native app (July 2025) with personalized insights; 2.7 million active mobile users[25][26]Index 83.8 (#15); 15 use cases, 13 in productionCore deposits planned for 2027 (Oct 6, 2026)[27]
Pinnacle Financial PartnersA head of AI and almost 20 AI engineers; ChatPFP answered 18,000 banker questions[28][29][30]Index 65.3 (#42); 12 use cases, 9 in productionChief digital officer: 200,000-plus customers move to a new app in March 2027 (Oct 1, 2026)[31]
TruistTruist Assist chatbot: 81% of client inquiries resolved in 3Q25[32]Index 82.6 (#16); 15 use cases, 13 in productionMid-table on AI-judged reputation (Sep 18, 2026)[33]
Hancock WhitneyNew MX-built mobile app, rated sixth best among banks and credit unions per an MX session description (June 2026)[34]Index 37.4 (#78); 11 use cases, 5 in production'AI is raising business cyber risk' guidance (Sep 9, 2026)[35]
First Citizens BancSharesAskFirst knowledge agent for branch bankers and an enterprise Copilot rollout (September 2026)[36]Index 67.7 (#39); 14 use cases, 12 in productionFirst Citizens Innovation Banking launched; SVB name retired (Oct 6, 2026)[37]
Bank of AmericaErica virtual assistant: more than 24.6 million clients helped[15]Index 97.3 (#1); 18 use cases, 16 in productionTreasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026)[38][39][40]
JPMorgan ChaseSmart Cash AI cash tool in a targeted pilot (October 2026)[41]Index 89 (#6); 15 use cases, 8 in productionQ3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026)[42][41][43]
Wells FargoFargo virtual assistant: more than 1 billion interactions in under three years (March 2026)[17]Index 88.8 (#7); 16 use cases, 13 in productionQ3 2026 call: AI agents in code, marketing, cyber, underwriting (Oct 13, 2026)[44][45]
ChimeJade, an in-app AI financial partner available to some members[46]8 use cases, 6 in productionAgreement to acquire Stride Bank (Sep 8, 2026)[47]
Fifth Third BancorpNewline embedded-finance platform with an MCP server for AI models (April 2026)[48]Index 84 (#14); 13 use cases, 10 in productionAI chief Jay Budzik describes the lending-model upgrade (Oct 12, 2026)[49]
Huntington Bancshares50 AI agents in production and 60+ in development (April 2026)[50]Index 84.2 (#13); 17 use cases, 15 in productionNamed a Coverbase enterprise customer (Sep 29, 2026)[51]
Private credit firmsNot disclosedNo profileNot disclosed
Circle (USDC)Circle Agent Stack: USDC wallets and payments for AI agents (May 2026)[52]7 use cases, 6 in productionChainalysis counts 138 million agent payments on Base (Oct 14, 2026)[53]
Cash App (Block)Moneybot consumer agent: over 1 million weekly engaged accounts (June 30, 2026)[54]7 use cases, 6 in productionQ2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026)[54]
SouthState (correspondent division)Copilot at scale, tested models, and Fiserv agentOS agents[55][56][57]Index 70.9 (#33); 20 use cases, 10 in productionQ3 2026 results scheduled (Oct 2, 2026)[58]
Securities firmsNot disclosedNo profileNot disclosed
Alternatives

Who should look beyond First Horizon, and where?

If you areLook atWhy
Customers who want an AI assistant inside the banking appTruist (Truist Assist), Fifth Third (Jeanie) or Bank of America (Erica)First Horizon's customer-facing digital platform is still being built. Truist Assist resolved 81% of client inquiries in 3Q25, Fifth Third's app gained an AI-powered interface in June 2026, and Erica helps more than 24.6 million clients.[23][32][59][15]
People who need branches outside the SouthJPMorgan Chase or Bank of AmericaMost of First Horizon's banking centers (412) are in southern states. Chase reported 5,083 branches in 2025 and Bank of America runs 3,500 financial centers.[1][16][15]
Customers who want a branchless, app-only checking accountChimeFirst Horizon is a branch-based bank. Its 10-K names app-based fintechs as new entrants; Chime had 10.4 million active members at June 30, 2026, and some members can use Jade, its in-app AI financial partner.[1][5][46]
Businesses that want a larger Southeast branch networkRegions or TruistFirst Horizon had 412 southern banking centers at the end of 2025. Regions reported 1,247 branch outlets across the South, Midwest and Texas, and Truist runs 441 Florida and 276 North Carolina branches alone.[1][2][11]
Small businesses that want a relationship bank with a top Greenwich rating in the SouthPinnacleFirst Horizon itself won 28 Coalition Greenwich awards in March 2026. Pinnacle, headquartered in Nashville, reported 50 for its legacy banks in February 2026 and has 400-plus locations in nine southern states.[60][61][3]
Branch overlap in First Horizon's top states

Where does First Horizon's branch network meet its named competitors?

First Horizon's banking centers in its four largest states, from its 2025 10-K, against the rivals' own reported branch counts in the same states.

StateFirst Horizon banking centersNamed rivals on the recordAs of
Tennessee137Regions 194 branches; Pinnacle headquartered in Nashville; Hancock Whitney in the Nashville metroDecember 31, 2025[1][2][3][4]
North Carolina78Truist 276 branches and 2nd by deposit share; First Citizens headquartered in RaleighDecember 31, 2025[1][11][13]
Florida74Truist 441 branches; Regions 270; Fifth Third after converting Comerica's Florida banking centersDecember 31, 2025; September 2026[1][11][2][18]
Louisiana55Regions 79 branches; Hancock WhitneyDecember 31, 2025[1][2][4]
How the named rivals' AI compares

What AI do First Horizon's named competitors put in front of customers?

One line per named competitor on its customer-facing AI, from its own profile.

RivalCustomer-facing AIScaleDate
Bank of AmericaEricaMore than 24.6 million clients helped2026[15]
Wells FargoFargoMore than 1 billion interactionsMarch 2026[17]
TruistTruist Assist81% of inquiries resolved (3Q25)October 2025[32]
Fifth ThirdJeanie and an AI-powered app interface150 pre-populated intentsJune 2026[59]
First HorizonNone launched; contact-center AI for agentsAbout 1 million calls a yearMarch 2024[62]
Common questions

Who are First Horizon's biggest competitors?

First Horizon names them in its 2025 10-K: Bank of America, Fifth Third, First Citizens, Hancock Whitney, Huntington, JPMorgan Chase, Regions, Pinnacle, PNC, Truist and Wells Fargo, plus community banks and credit unions. It also names fintechs, stablecoin issuers and private credit firms as newer entrants.[1]

Is Regions a competitor of First Horizon?

Yes. First Horizon's 10-K names Regions Bank as a key competitor, and the two overlap most in Tennessee, where Regions ran 194 branches at the end of 2025 against First Horizon's 137 banking centers, and in Florida and Louisiana.[1][2]

Does Pinnacle compete with First Horizon after the Synovus merger?

Yes. Pinnacle Bank is named in First Horizon's 10-K, and Pinnacle's own 10-K lists First Horizon in its performance peer group. The Pinnacle-Synovus merger closed on January 1, 2026, creating a bank with 400-plus locations in nine states, headquartered in Nashville with an Atlanta co-headquarters.[1][10][3]

Do stablecoins compete with First Horizon?

First Horizon says digital-asset providers, including stablecoin issuers, are new entrants into traditional banking markets. In February 2026 it joined a bank-built tokenized-deposit network with Huntington and M&T to guard against stablecoins. Circle had $73.3 billion of USDC in circulation in the second quarter of 2026.[1][7][6]

Does private credit compete with First Horizon?

First Horizon's 10-K names private credit firms providing direct lending and alternative financing to businesses among recent entrants that operate under less comprehensive and less costly frameworks than banks. Most of First Horizon's loans are commercial.[1]

Who competes with FHN Financial?

First Horizon's 10-K says its fixed income business has many competitors, including major US and international securities firms and regional and local firms, for depository and non-depository institutional clients. SouthState's correspondent division also serves over 1,200 community financial institutions.[1][8]

Is Truist a competitor of First Horizon?

Yes. Truist Bank is named in First Horizon's 10-K as a key competitor. Truist ranks 2nd by deposit share in North Carolina and 4th in Florida, with 276 and 441 branches there, two of First Horizon's largest states. Truist Assist resolved 81% of client inquiries in 3Q25; First Horizon has no customer AI assistant.[1][11][32]

Who competes with First Horizon in Louisiana?

Hancock Whitney and Regions, both named in First Horizon's 10-K. First Horizon had 55 Louisiana banking centers at the end of 2025; Regions had 79 Louisiana branches, and Hancock Whitney operates across northwest, central and southern Louisiana from its Gulfport, Mississippi headquarters.[1][2][4]

What are alternatives to First Horizon for small business banking?

Bank of America calls itself the number one US small business lender (FDIC data), serving 4 million small businesses, and Square sells payments, software and banking to sellers. Among southern regionals, Pinnacle reported 50 Coalition Greenwich awards for its legacy banks in February 2026; First Horizon won 28 in March 2026.[15][21][61][60]

Is Chime a competitor of First Horizon?

By category, yes. First Horizon's 10-K names fintechs offering checking, savings and payment services through digital applications as new entrants into traditional banking. Chime had 10.4 million active members at June 30, 2026. Neither company names the other.[1][5]

Peers on this site
Pinnacle AI strategy →How Pinnacle Financial Partners compares with its peers →Regions AI strategy →How Regions Financial compares with its peers →SouthState AI strategy →How SouthState Bank compares with its peers →Hancock Whitney AI strategy →How Hancock Whitney compares with its peers →First Citizens AI strategy →How First Citizens BancShares compares with its peers →Truist AI strategy →How Truist Financial compares with its peers →Huntington AI strategy →How Huntington Bancshares compares with its peers →Fifth Third AI strategy →How Fifth Third Bancorp compares with its peers →
Competitor pages on this site
Regions AI strategy →Competitors of that bank →Pinnacle AI strategy →Competitors of that bank →Truist AI strategy →Competitors of that bank →Hancock Whitney AI strategy →Competitors of that bank →First Citizens AI strategy →Competitors of that bank →Bank of America AI strategy →Competitors of that bank →JPMorgan AI strategy →Competitors of that bank →Wells Fargo AI strategy →Competitors of that bank →Chime AI strategy →Fifth Third AI strategy →Competitors of that bank →Huntington AI strategy →Competitors of that bank →Circle Internet Group AI strategy →Block (Square, Cash App) AI strategy →SouthState AI strategy →Competitors of that bank →
Deeper on First Horizon
First Horizon AI strategy: the full profile →How First Horizon compares with its peers on AI →First Horizon AI profile →First Horizon vs peers on AI →Regions AI profile →Pinnacle AI profile →Circle AI profile →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
Sources
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