First Horizon(US:FHN)2025-10-15 13:30Financial Performance - The company's net interest income (FTE) was $678 million, a 7% increase compared to 3Q24's $631 million[9] - Fee income remained at $215 million, a 7% increase compared to 3Q24's $200 million[9] - Adjusted EPS was $051, a 13% increase from 2Q25's $045 and a 21% increase from 3Q24's $042[9, 11] - Adjusted ROTCE was 150%, a 135bps increase from 2Q25[11] - Adjusted PPNR was $351 million, up 4% from 2Q25[11] Balance Sheet and Capital - Period-end loans totaled $631 billion, slightly down from 2Q25[7, 29] - Period-end deposits totaled $655 billion, a slight decrease from 2Q25[7, 25] - CET1 ratio remained at 110%, in line with the near-term target[7, 11, 49] - Tangible book value per share (TBVPS) increased to $1394, a 3% increase from 2Q25's $1357[7, 9, 52] Asset Quality - Net charge-offs decreased to $26 million, or 017% of total loans, down from $34 million in 2Q25[11] - Provision credit was $5 million, down from a $30 million expense in 2Q25[11] - ACL to loans ratio decreased to 138%[44]