# First Horizon competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/first-horizon/competitors
Last updated: Oct 20, 2026

*Part of the [First Horizon AI strategy profile](https://www.bankingnewsai.com/banks/first-horizon). Peer group: Pinnacle Financial Partners, Regions Financial, SouthState Bank, Hancock Whitney, First Citizens BancShares, Truist Financial, Huntington Bancshares, Fifth Third Bancorp.*

## 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Circle](https://www.circle.com/pressroom/circle-reports-second-quarter-2026-results), [Bloomberg](https://www.bloomberg.com/news/articles/2026-02-18/us-banks-build-tokenized-deposit-network-to-guard-their-turf), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm))

## 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." ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm))

"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." ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm))

"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." ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm))

"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.) ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm))

## Who competes with First Horizon in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: Tennessee, the Carolinas, Florida and Louisiana | [Regions Financial](https://www.bankingnewsai.com/banks/regions) | Bank | Named 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm), [Banking Dive](https://www.bankingdive.com/news/regions-bank-branches-florida-georgia-tennessee/814665/)) |
| Home region: Tennessee, the Carolinas, Florida and Louisiana | [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | Bank | Named 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion), [Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm)) |
| Home region: Tennessee, the Carolinas, Florida and Louisiana | [Truist](https://www.bankingnewsai.com/banks/truist) | Bank | Named 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm)) |
| Home region: Tennessee, the Carolinas, Florida and Louisiana | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | Bank | Named 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) |
| Home region: Tennessee, the Carolinas, Florida and Louisiana | [First Citizens BancShares](https://www.bankingnewsai.com/banks/first-citizens) | Bank | Named 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [First Citizens BancShares (SEC filing)](https://www.sec.gov/Archives/edgar/data/798941/000079894126000015/fcnca-20251231.htm), [CNW via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202609041801CANADANWCANADAPR_C7959-1), [Banking Dive](https://www.bankingdive.com/news/first-horizon-cfo-dmuchowski-southeast-bank-mergers-acquisitions/809873/)) |
| Retail deposits and digital banking | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | Named 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Retail deposits and digital banking | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Bank | Named 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm)) |
| Retail deposits and digital banking | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Bank | Named in First Horizon's 10-K as a key traditional competitor; it reported more than 33 million mobile active users in February 2026. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) |
| Retail deposits and digital banking | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fintech | First 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)) |
| Commercial, specialty and middle-market lending | [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | Bank | Named 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html)) |
| Commercial, specialty and middle-market lending | [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | Bank | Named 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Huntington (PR Newswire)](https://www.prnewswire.com/news-releases/huntington-bank-completes-merger-with-cadence-bank-expanding-presence-across-texas-and-the-south-302676243.html), [Dallas Business Journal](https://bizjournals.com/dallas/news/2025/10/27/huntington-veritex-cadence-integration.html)) |
| Commercial, specialty and middle-market lending | Private credit firms | Non-bank lender | First 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm)) |
| Payments and digital assets | [Circle (USDC)](https://www.bankingnewsai.com/fintech/circle) | Fintech | First 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Circle](https://www.circle.com/pressroom/circle-reports-second-quarter-2026-results), [Bloomberg](https://www.bloomberg.com/news/articles/2026-02-18/us-banks-build-tokenized-deposit-network-to-guard-their-turf)) |
| Payments and digital assets | [Cash App (Block)](https://www.bankingnewsai.com/fintech/block) | Fintech | Block'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. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm)) |
| Fixed income and correspondent services (FHN Financial) | [SouthState (correspondent division)](https://www.bankingnewsai.com/banks/southstate) | Bank | SouthState'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. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm), [First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm)) |
| Fixed income and correspondent services (FHN Financial) | Securities firms | Broker or asset manager | First 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm)) |

## 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.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [First Horizon (this page)](https://www.bankingnewsai.com/banks/first-horizon) | ChatFHN and the Enterprise Data Hub ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank)) | [Index 68.7 (#36); 16 use cases, 7 in production](https://www.bankingnewsai.com/banks/first-horizon) | AI file-organisation tool saves hundreds of hours in three months (Oct 1, 2026) ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-19-lena-mccloskey-first-horizon-corporation)) |
| [Regions Financial](https://www.bankingnewsai.com/banks/regions) | In-house native app (July 2025) with personalized insights; 2.7 million active mobile users ([Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/), [PYMNTS](https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/)) | [Index 83.8 (#15); 15 use cases, 13 in production](https://www.bankingnewsai.com/banks/regions) | Core deposits planned for 2027 (Oct 6, 2026) ([ABA Banking Journal](https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores)) |
| [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | A head of AI and almost 20 AI engineers; ChatPFP answered 18,000 banker questions ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript)) | [Index 65.3 (#42); 12 use cases, 9 in production](https://www.bankingnewsai.com/banks/pinnacle) | Chief digital officer: 200,000-plus customers move to a new app in March 2027 (Oct 1, 2026) ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |
| [Truist](https://www.bankingnewsai.com/banks/truist) | Truist Assist chatbot: 81% of client inquiries resolved in 3Q25 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm)) | [Index 82.6 (#16); 15 use cases, 13 in production](https://www.bankingnewsai.com/banks/truist) | Mid-table on AI-judged reputation (Sep 18, 2026) ([American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh)) |
| [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | New MX-built mobile app, rated sixth best among banks and credit unions per an MX session description (June 2026) ([American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel)) | [Index 37.4 (#78); 11 use cases, 5 in production](https://www.bankingnewsai.com/banks/hancock-whitney) | 'AI is raising business cyber risk' guidance (Sep 9, 2026) ([Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider)) |
| [First Citizens BancShares](https://www.bankingnewsai.com/banks/first-citizens) | AskFirst knowledge agent for branch bankers and an enterprise Copilot rollout (September 2026) ([First Citizens Bank](https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank)) | [Index 67.7 (#39); 14 use cases, 12 in production](https://www.bankingnewsai.com/banks/first-citizens) | First Citizens Innovation Banking launched; SVB name retired (Oct 6, 2026) ([First Citizens Bank](https://newsroom.firstcitizens.com/2026-10-06-First-Citizens-Bank-Launches-New-Innovation-Banking-Brand)) |
| [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Erica virtual assistant: more than 24.6 million clients helped ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) | [Index 97.3 (#1); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/bank-of-america) | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026) ([U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0657), [Office of the Comptroller of the Currency](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html), [Banking Dive](https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915)) |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Smart Cash AI cash tool in a targeted pilot (October 2026) ([Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870)) | [Index 89 (#6); 15 use cases, 8 in production](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026) ([CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [American Banker](https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents)) |
| [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Fargo virtual assistant: more than 1 billion interactions in under three years (March 2026) ([Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) | [Index 88.8 (#7); 16 use cases, 13 in production](https://www.bankingnewsai.com/banks/wells-fargo) | Q3 2026 call: AI agents in code, marketing, cyber, underwriting (Oct 13, 2026) ([PYMNTS](https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets), [Wells Fargo](https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf)) |
| [Chime](https://www.bankingnewsai.com/fintech/chime) | Jade, an in-app AI financial partner available to some members ([Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) | [8 use cases, 6 in production](https://www.bankingnewsai.com/fintech/chime) | Agreement to acquire Stride Bank (Sep 8, 2026) ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |
| [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | Newline embedded-finance platform with an MCP server for AI models (April 2026) ([Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html)) | [Index 84 (#14); 13 use cases, 10 in production](https://www.bankingnewsai.com/banks/fifth-third) | AI chief Jay Budzik describes the lending-model upgrade (Oct 12, 2026) ([Northwestern McCormick School of Engineering](https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html)) |
| [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | 50 AI agents in production and 60+ in development (April 2026) ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) | [Index 84.2 (#13); 17 use cases, 15 in production](https://www.bankingnewsai.com/banks/huntington) | Named a Coverbase enterprise customer (Sep 29, 2026) ([Coverbase (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html)) |
| Private credit firms | Not disclosed | No profile | Not disclosed |
| [Circle (USDC)](https://www.bankingnewsai.com/fintech/circle) | Circle Agent Stack: USDC wallets and payments for AI agents (May 2026) ([Circle](https://www.circle.com/pressroom/circle-launches-ai-infrastructure-to-power-the-agentic-economy)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/circle) | Chainalysis counts 138 million agent payments on Base (Oct 14, 2026) ([Fortune](https://fortune.com/2026/10/14/ai-agents-shopping-spree-payments-base-blockchain-138-million-chainalysis/)) |
| [Cash App (Block)](https://www.bankingnewsai.com/fintech/block) | Moneybot consumer agent: over 1 million weekly engaged accounts (June 30, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/block) | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) |
| [SouthState (correspondent division)](https://www.bankingnewsai.com/banks/southstate) | Copilot at scale, tested models, and Fiserv agentOS agents ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [American Banker](https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) | [Index 70.9 (#33); 20 use cases, 10 in production](https://www.bankingnewsai.com/banks/southstate) | Q3 2026 results scheduled (Oct 2, 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm)) |
| Securities firms | Not disclosed | No profile | Not disclosed |

## Who should look beyond First Horizon, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want an AI assistant inside the banking app | [Truist (Truist Assist), Fifth Third (Jeanie) or Bank of America (Erica)](https://www.bankingnewsai.com/banks/truist) | 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. ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm), [Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| People who need branches outside the South | [JPMorgan Chase or Bank of America](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Most 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Customers who want a branchless, app-only checking account | [Chime](https://www.bankingnewsai.com/fintech/chime) | First 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) |
| Businesses that want a larger Southeast branch network | [Regions or Truist](https://www.bankingnewsai.com/banks/regions) | First 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm)) |
| Small businesses that want a relationship bank with a top Greenwich rating in the South | [Pinnacle](https://www.bankingnewsai.com/banks/pinnacle) | First 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. ([First Horizon via PR Newswire](https://www.prnewswire.com/news-releases/first-horizon-recognized-with-28-national-and-regional-banking-awards-by-crisil-coalition-greenwich-302711493.html), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-financial-partners-earns-a-combined-50-coalition-greenwich-best-bank-awards-more-than-any-other-bank-in-the-country), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion)) |

## 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.

| State | First Horizon banking centers | Named rivals on the record | As of |
| --- | --- | --- | --- |
| Tennessee | 137 | Regions 194 branches; Pinnacle headquartered in Nashville; Hancock Whitney in the Nashville metro | December 31, 2025 ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) |
| North Carolina | 78 | Truist 276 branches and 2nd by deposit share; First Citizens headquartered in Raleigh | December 31, 2025 ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [CNW via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202609041801CANADANWCANADAPR_C7959-1)) |
| Florida | 74 | Truist 441 branches; Regions 270; Fifth Third after converting Comerica's Florida banking centers | December 31, 2025; September 2026 ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm), [Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html)) |
| Louisiana | 55 | Regions 79 branches; Hancock Whitney | December 31, 2025 ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) |

## 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.

| Rival | Customer-facing AI | Scale | Date |
| --- | --- | --- | --- |
| Bank of America | Erica | More than 24.6 million clients helped | 2026 ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Wells Fargo | Fargo | More than 1 billion interactions | March 2026 ([Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) |
| Truist | Truist Assist | 81% of inquiries resolved (3Q25) | October 2025 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm)) |
| Fifth Third | Jeanie and an AI-powered app interface | 150 pre-populated intents | June 2026 ([Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1)) |
| First Horizon | None launched; contact-center AI for agents | About 1 million calls a year | March 2024 ([American Banker](https://www.americanbanker.com/news/the-ai-bringing-zen-to-first-horizons-call-centers)) |

## 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm))

### 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm))

### 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion))

### 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Bloomberg](https://www.bloomberg.com/news/articles/2026-02-18/us-banks-build-tokenized-deposit-network-to-guard-their-turf), [Circle](https://www.circle.com/pressroom/circle-reports-second-quarter-2026-results))

### 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm))

### 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm))

### 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm))

### 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm))

### 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. ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-financial-partners-earns-a-combined-50-coalition-greenwich-best-bank-awards-more-than-any-other-bank-in-the-country), [First Horizon via PR Newswire](https://www.prnewswire.com/news-releases/first-horizon-recognized-with-28-national-and-regional-banking-awards-by-crisil-coalition-greenwich-302711493.html))

### 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. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results))

## Peers on this site

- [Pinnacle Financial Partners AI strategy](https://www.bankingnewsai.com/banks/pinnacle) · [vs peers](https://www.bankingnewsai.com/banks/pinnacle/vs-peers)
- [Regions Financial AI strategy](https://www.bankingnewsai.com/banks/regions) · [vs peers](https://www.bankingnewsai.com/banks/regions/vs-peers)
- [SouthState Bank AI strategy](https://www.bankingnewsai.com/banks/southstate) · [vs peers](https://www.bankingnewsai.com/banks/southstate/vs-peers)
- [Hancock Whitney AI strategy](https://www.bankingnewsai.com/banks/hancock-whitney) · [vs peers](https://www.bankingnewsai.com/banks/hancock-whitney/vs-peers)
- [First Citizens BancShares AI strategy](https://www.bankingnewsai.com/banks/first-citizens) · [vs peers](https://www.bankingnewsai.com/banks/first-citizens/vs-peers)
- [Truist Financial AI strategy](https://www.bankingnewsai.com/banks/truist) · [vs peers](https://www.bankingnewsai.com/banks/truist/vs-peers)
- [Huntington Bancshares AI strategy](https://www.bankingnewsai.com/banks/huntington) · [vs peers](https://www.bankingnewsai.com/banks/huntington/vs-peers)
- [Fifth Third Bancorp AI strategy](https://www.bankingnewsai.com/banks/fifth-third) · [vs peers](https://www.bankingnewsai.com/banks/fifth-third/vs-peers)

## Sources

1. First Horizon Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — First Horizon (SEC filings), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm
2. Regions Financial Corporation Annual Report on Form 10-K for 2025 — Regions Financial (SEC filing), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm
3. Pinnacle and Synovus Complete Merger to Become Regional Bank Growth Champion — Pinnacle Financial Partners, Jan 2, 2026. https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion
4. Hancock Whitney Corporation Annual Report on Form 10-K for 2025 — Hancock Whitney (SEC filings), Feb 27, 2026. https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm
5. Chime Reports Second Quarter 2026 Financial Results — Chime, Aug 5, 2026. https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results
6. Circle Reports Second Quarter 2026 Results — Circle, Aug 5, 2026. https://www.circle.com/pressroom/circle-reports-second-quarter-2026-results
7. US Banks Build Tokenized Deposit Network to Guard Their Turf — Bloomberg, Feb 18, 2026. https://www.bloomberg.com/news/articles/2026-02-18/us-banks-build-tokenized-deposit-network-to-guard-their-turf
8. SouthState Bank Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — SouthState Bank Corporation (SEC filings), Feb 20, 2026. https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm
9. Regions accelerates plan to build 150 new branches — Banking Dive, Mar 13, 2026. https://www.bankingdive.com/news/regions-bank-branches-florida-georgia-tennessee/814665/
10. Pinnacle Financial Partners, Inc. Annual Report on Form 10-K for 2025 — Pinnacle Financial Partners (SEC filing), Mar 2, 2026. https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm
11. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Truist Financial (SEC filing), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm
12. First Citizens BancShares Annual Report on Form 10-K for 2025 — First Citizens BancShares (SEC filing), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/798941/000079894126000015/fcnca-20251231.htm
13. BMO Completes Sale of 138 U.S. Branches to First Citizens Bank — CNW via FT Markets, Sep 4, 2026. https://markets.ft.com/data/announce/full?dockey=600-202609041801CANADANWCANADAPR_C7959-1
14. First Horizon calls out Raleigh as a market of interest — Banking Dive, Jan 16, 2026. https://www.bankingdive.com/news/first-horizon-cfo-dmuchowski-southeast-bank-mergers-acquisitions/809873/
15. Bank of America Fast Facts (undated page, retrieved 2026-10-19) — Bank of America Newsroom, Oct 19, 2026. https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html
16. JPMorgan Chase & Co. Annual Report on Form 10-K for the year ended December 31, 2025 — JPMorgan Chase & Co. (SEC filings), Feb 13, 2026. https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm
17. Wells Fargo Reaches Major Digital Milestones — Wells Fargo (Business Wire), Mar 26, 2026. https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones
18. Fifth Third Completes Comerica Technology and Brand Conversion — Fifth Third, Sep 8, 2026. https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html
19. Huntington Bank Completes Merger with Cadence Bank, Expanding Presence Across Texas and the South — Huntington (PR Newswire), Feb 2, 2026. https://www.prnewswire.com/news-releases/huntington-bank-completes-merger-with-cadence-bank-expanding-presence-across-texas-and-the-south-302676243.html
20. On heels of two big deals, Huntington Bank sees Texas as 'springboard' — Dallas Business Journal, Oct 27, 2025. https://bizjournals.com/dallas/news/2025/10/27/huntington-veritex-cadence-integration.html
21. Block, Inc. Annual Report 2025 (Form 10-K) — Block, Inc. via SEC EDGAR, Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm
22. #36 First Horizon's CIO is zeroing in on 'data-as-a-product' in tech push — American Banker, Jun 1, 2026. https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking
23. The Most Powerful Women to Watch, No. 13, Tammy LoCascio, First Horizon Bank — American Banker, Sep 24, 2025. https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank
24. The Most Powerful Women in Banking NEXT, #19, Lena McCloskey, First Horizon Corporation — American Banker, Oct 1, 2026. https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-19-lena-mccloskey-first-horizon-corporation
25. Regions aims to push 'dark mode,' other app tweaks next year — Banking Dive, Dec 19, 2025. https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/
26. Regions Bank's Mobile Upgrade Drives Digital Transactions to 80% — PYMNTS, Jul 17, 2026. https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/
27. 'Progressive modernization' for cores — ABA Banking Journal, Oct 6, 2026. https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores
28. Kevin Johnson, Head of AI, Pinnacle Financial Partners (Digital Banking speaker profile) — American Banker, Apr 21, 2026. https://digital-banking.americanbanker.com/profile/kevin-d-johnson
29. Pinnacle Financial Partners (PNFP) Q2 FY2026 earnings call transcript — Yahoo Finance (earnings call transcript), Jul 23, 2026. https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html
30. Pinnacle (PNFP) Q1 2026 Earnings Transcript — The Motley Fool (earnings call transcript), Apr 23, 2026. https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript
31. The Most Powerful Women in Banking Women to Watch, #15, Liz Wolverton, Pinnacle Financial Partners — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners
32. Exhibit 99.3: Third quarter 2025 earnings presentation (Form 8-K) — Truist Financial (SEC filing), Oct 17, 2025. https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm
33. People use AI to gauge banks' reputations, and its verdicts are harsh — American Banker, Sep 18, 2026. https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh
34. Pam Hymel, Director of Digital Strategy, Hancock Whitney (speaker profile) — American Banker, Jun 3, 2026. https://digital-banking.americanbanker.com/profile/pam-hymel
35. 5 Critical Cybersecurity Questions to Ask Your IT Team or Service Provider — Hancock Whitney, Sep 9, 2026. https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider
36. A Q&A With Scott Richardson: AI at First Citizens Bank — First Citizens Bank, Sep 3, 2026. https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank
37. First Citizens Bank Launches New Innovation Banking Brand — First Citizens Bank, Oct 6, 2026. https://newsroom.firstcitizens.com/2026-10-06-First-Citizens-Bank-Launches-New-Innovation-Banking-Brand
38. U.S. Treasury Announces Record Enforcement Actions Against Bank of America — U.S. Department of the Treasury, Oct 13, 2026. https://home.treasury.gov/news/press-releases/sb0657
39. OCC Imposes $750 Million Assessment Against Bank of America for Deficient BSA/AML Compliance — Office of the Comptroller of the Currency, Oct 13, 2026. https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html
40. BofA fined $1.21 billion over AML — Banking Dive, Oct 13, 2026. https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915
41. JPMorgan CEO Dimon warns customers of 'liability transfer' with AI — Banking Dive, Oct 13, 2026. https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870
42. JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts — CNBC, Oct 13, 2026. https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html
43. JPMorgan warns of risks to consumers who rely on AI agents — American Banker, Oct 13, 2026. https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents
44. Wells Fargo Enhances Banking Capabilities Using AI and Digital Assets — PYMNTS, Oct 13, 2026. https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets
45. Wells Fargo Reports Third Quarter 2026 Net Income of $6.0 billion, or $1.87 per Diluted Share — Wells Fargo, Oct 13, 2026. https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf
46. What is Jade Financial Partner? (help centre, retrieved 2026-09-23) — Chime, Sep 23, 2026. https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341
47. Chime Announces Agreement to Acquire Stride Bank — Chime, Sep 8, 2026. https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank
48. Fifth Third's Newline Extends MCP Server Capabilities with Skills — Fifth Third (Business Wire via Yahoo Finance), Apr 13, 2026. https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html
49. Alum Spotlight: Jay Budzik (PhD '03) — Northwestern McCormick School of Engineering, Oct 12, 2026. https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html
50. At Huntington Bancshares, the CFO is also the AI strategist — Fortune, Apr 24, 2026. https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/
51. Coverbase Adds Third-Party Risk Veterans as Enterprise Adoption Accelerates — Coverbase (GlobeNewswire), Sep 29, 2026. https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html
52. Circle Launches AI Infrastructure to Power the Agentic Economy — Circle, May 11, 2026. https://www.circle.com/pressroom/circle-launches-ai-infrastructure-to-power-the-agentic-economy
53. AI agents are on a shopping spree: Total payments on Base blockchain eclipse 138 million, Chainalysis finds — Fortune, Oct 14, 2026. https://fortune.com/2026/10/14/ai-agents-shopping-spree-payments-base-blockchain-138-million-chainalysis/
54. Q2 2026 Shareholder Letter (Exhibit 99.1 to Form 8-K) — Block, Inc. via SEC EDGAR, Aug 5, 2026. https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm
55. The Playbook for Enterprise AI Adoption with Walt Wear (Community Bank Podcast) — SouthState Correspondent Division, Aug 3, 2026. https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear
56. 6 things banks look for in gen AI models and companies — American Banker, Jan 14, 2025. https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies
57. Fiserv has co-created AI agents with six banks and OpenAI — American Banker, May 14, 2026. https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai
58. SouthState Bank Corporation Form 8-K: third-quarter 2026 earnings date — SouthState Bank Corporation (SEC filings), Oct 2, 2026. https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm
59. Fifth Third Launches AI-Powered Interface in Mobile App — Fifth Third via FT Markets, Jun 17, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1
60. First Horizon recognized with 28 national and regional banking awards by Crisil Coalition Greenwich — First Horizon via PR Newswire, Mar 12, 2026. https://www.prnewswire.com/news-releases/first-horizon-recognized-with-28-national-and-regional-banking-awards-by-crisil-coalition-greenwich-302711493.html
61. Pinnacle Financial Partners Earns a Combined 50 Coalition Greenwich Best Bank Awards – More Than Any Other Bank in the Country — Pinnacle Financial Partners, Feb 11, 2026. https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-financial-partners-earns-a-combined-50-coalition-greenwich-best-bank-awards-more-than-any-other-bank-in-the-country
62. The AI bringing zen to First Horizon's call centers — American Banker, Mar 4, 2024. https://www.americanbanker.com/news/the-ai-bringing-zen-to-first-horizons-call-centers

---

Canonical page: https://www.bankingnewsai.com/banks/first-horizon/competitors
Part of [BankingNewsAI](https://www.bankingnewsai.com/). Markdown versions of every reference page: append `.md` to the page URL; index at https://www.bankingnewsai.com/llms.txt.