XML 44 R29.htm IDEA: XBRL DOCUMENT
v3.25.3

Allowance for Credit Losses (Tables) | 9 Months Ended
--- | ---
Sep. 30, 2025
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract] |
Schedule of the Allowance for Loan Losses by Portfolio Segment | The following table provides a rollforward of the ALLL and the reserve for unfunded lending commitments by portfolio type for the three and nine months ended September 30, 2025 and 2024.
ROLLFORWARD OF ALLL & RESERVE FOR UNFUNDED LENDING COMMITMENTS
(Dollars in millions) |  | Commercial, Financial, and Industrial |  | Commercial Real Estate |  | Consumer Real Estate |  | Credit Card and Other |  | Total
|  | Three Months Ended September 30, 2025
Allowance for loan and lease losses: |  |  |  |  |  |  |  |  |  |
Balance as July 1, 2025 |  | $ | 347 |  |  | $ | 213 |  |  | $ | 233 |  |  | $ | 21 |  |  | $ | 814 |
Charge-offs |  | (25) |  |  | (3) |  |  | (1) |  |  | (6) |  |  | (35) |
Recoveries |  | 6 |  |  | — |  |  | 2 |  |  | 1 |  |  | 9 |
Provision for loan and lease losses |  | 6 |  |  | (6) |  |  | (15) |  |  | 4 |  |  | (11) |
Balance as of September 30, 2025 |  | $ | 334 |  |  | $ | 204 |  |  | $ | 219 |  |  | $ | 20 |  |  | $ | 777 |
Reserve for remaining unfunded commitments: |  |  |  |  |  |  |  |  |  |
Balance as July 1, 2025 |  | $ | 68 |  |  | $ | 10 |  |  | $ | 9 |  |  | $ | — |  |  | $ | 87 |
Provision for remaining unfunded commitments |  | 6 |  |  | — |  |  | — |  |  | — |  |  | 6 |
Balance as of September 30, 2025 |  | 74 |  |  | 10 |  |  | 9 |  |  | — |  |  | 93 |
Allowance for credit losses as of September 30, 2025 |  | $ | 408 |  |  | $ | 214 |  |  | $ | 228 |  |  | $ | 20 |  |  | $ | 870 |
|  | Three Months Ended September 30, 2024
Allowance for loan and lease losses: |  |  |  |  |  |  |  |  |  |
Balance as of July 1, 2024 |  | $ | 344 |  |  | $ | 221 |  |  | $ | 231 |  |  | $ | 25 |  |  | $ | 821 |
Charge-offs |  | (12) |  |  | (15) |  |  | (1) |  |  | (5) |  |  | (33) |
Recoveries |  | 4 |  |  | 1 |  |  | 3 |  |  | 1 |  |  | 9 |
Provision for loan and lease losses |  | 16 |  |  | 11 |  |  | (3) |  |  | 2 |  |  | 26 |
Balance as of September 30, 2024 |  | $ | 352 |  |  | $ | 218 |  |  | $ | 230 |  |  | $ | 23 |  |  | $ | 823 |
Reserve for remaining unfunded commitments: |  |  |  |  |  |  |  |  |  |
Balance as of July 1, 2024 |  | $ | 44 |  |  | $ | 10 |  |  | $ | 12 |  |  | $ | — |  |  | $ | 66 |
Provision for remaining unfunded commitments |  | 11 |  |  | (2) |  |  | — |  |  | — |  |  | 9 |
Balance as of September 30, 2024 |  | 55 |  |  | 8 |  |  | 12 |  |  | — |  |  | 75 |
Allowance for credit losses as of September 30, 2024 |  | $ | 407 |  |  | $ | 226 |  |  | $ | 242 |  |  | $ | 23 |  |  | $ | 898 |
(Dollars in millions) |  | Commercial, Financial, and Industrial |  | Commercial Real Estate |  | Consumer Real Estate |  | Credit Card and Other |  | Total
|  | Nine Months Ended September 30, 2025
Allowance for loan and lease losses: |  |  |  |  |  |  |  |  |  |
Balance as of January 1, 2025 |  | $ | 345 |  |  | $ | 227 |  |  | $ | 221 |  |  | $ | 22 |  |  | $ | 815 |
Charge-offs |  | (86) |  |  | (14) |  |  | (3) |  |  | (16) |  |  | (119) |
Recoveries |  | 19 |  |  | 3 |  |  | 4 |  |  | 4 |  |  | 30 |
Provision for loan and lease losses |  | 56 |  |  | (12) |  |  | (3) |  |  | 10 |  |  | 51 |
Balance as of September 30, 2025 |  | $ | 334 |  |  | $ | 204 |  |  | $ | 219 |  |  | $ | 20 |  |  | $ | 777 |
Reserve for remaining unfunded commitments: |  |  |  |  |  |  |  |  |  |
Balance as of January 1, 2025 |  | $ | 57 |  |  | $ | 11 |  |  | $ | 11 |  |  | $ | — |  |  | $ | 79 |
Provision for remaining unfunded commitments |  | 17 |  |  | (1) |  |  | (2) |  |  | — |  |  | 14 |
Balance as of September 30, 2025 |  | 74 |  |  | 10 |  |  | 9 |  |  | — |  |  | 93 |
Allowance for credit losses as of September 30, 2025 |  | $ | 408 |  |  | $ | 214 |  |  | $ | 228 |  |  | $ | 20 |  |  | $ | 870 |
|  | Nine Months Ended September 30, 2024
Allowance for loan and lease losses: |  |  |  |  |  |  |  |  |  |
Balance as of January 1, 2024 |  | $ | 339 |  |  | $ | 172 |  |  | $ | 233 |  |  | $ | 29 |  |  | $ | 773 |
Charge-offs |  | (64) |  |  | (47) |  |  | (2) |  |  | (15) |  |  | (128) |
Recoveries |  | 19 |  |  | 1 |  |  | 6 |  |  | 4 |  |  | 30 |
Provision for loan and lease losses |  | 58 |  |  | 92 |  |  | (7) |  |  | 5 |  |  | 148 |
Balance as of September 30, 2024 |  | $ | 352 |  |  | $ | 218 |  |  | $ | 230 |  |  | $ | 23 |  |  | $ | 823 |
Reserve for remaining unfunded commitments: |  |  |  |  |  |  |  |  |  |
Balance as of January 1, 2024 |  | $ | 49 |  |  | $ | 22 |  |  | $ | 12 |  |  | $ | — |  |  | $ | 83 |
Provision for remaining unfunded commitments |  | 6 |  |  | (14) |  |  | — |  |  | — |  |  | (8) |
Balance as of September 30, 2024 |  | 55 |  |  | 8 |  |  | 12 |  |  | — |  |  | 75 |
Allowance for credit losses as of September 30, 2024 |  | $ | 407 |  |  | $ | 226 |  |  | $ | 242 |  |  | $ | 23 |  |  | $ | 898 |
Schedule of Gross Charge offs by Year of Origination | The following table presents gross charge-offs by year of origination for the nine months ended September 30, 2025 and 2024.
GROSS CHARGE-OFFS
|  | Nine Months Ended September 30, 2025
(Dollars in millions) |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior to 2021 |  | Revolving Loans |  | Total
C&I |  | $ | 2 |  |  | $ | 3 |  |  | $ | 5 |  |  | $ | 13 |  |  | $ | 28 |  |  | $ | 31 |  |  | $ | 4 |  |  | $ | 86 |
CRE |  | — |  |  | — |  |  | — |  |  | 9 |  |  | — |  |  | 5 |  |  | — |  |  | 14 |
Consumer Real Estate |  | — |  |  | — |  |  | 1 |  |  | 1 |  |  | — |  |  | 1 |  |  | — |  |  | 3 |
Credit Card and Other |  | 5 |  |  | — |  |  | 1 |  |  | 1 |  |  | 2 |  |  | 1 |  |  | 6 |  |  | 16 |
Total |  | $ | 7 |  |  | $ | 3 |  |  | $ | 7 |  |  | $ | 24 |  |  | $ | 30 |  |  | $ | 38 |  |  | $ | 10 |  |  | $ | 119 |
|  | Nine Months Ended September 30, 2024
(Dollars in millions) |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior to 2020 |  | Revolving Loans |  | Total
C&I |  | $ | — |  |  | $ | 13 |  |  | $ | 13 |  |  | $ | 23 |  |  | $ | 1 |  |  | $ | 11 |  |  | $ | 3 |  |  | $ | 64 |
CRE |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 16 |  |  | 30 |  |  | — |  |  | 47 |
Consumer Real Estate |  | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 2 |
Credit Card and Other |  | 6 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | 1 |  |  | 6 |  |  | 15 |
Total |  | $ | 6 |  |  | $ | 15 |  |  | $ | 15 |  |  | $ | 23 |  |  | $ | 17 |  |  | $ | 43 |  |  | $ | 9 |  |  | $ | 128 |

X
- Definition Schedule Of Gross Charge Offs by Year of Origination + References No definition available. + Details
Name: | fhn_ScheduleOfGrossChargeOffsByYearOfOriginationTableTextBlock
Namespace Prefix: | fhn_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_AccountsNotesLoansAndFinancingReceivableGrossAllowanceAndNetAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration