First Horizon highlighted 2026 DFAST stress-test results showing a 9-quarter minimum CET1 ratio of 9.3% under the Fed’s severely adverse scenario.
The 9.3% minimum exceeds the regulatory-required minimum by 4.8 percentage points; CET1 falls 133 bps versus a 155 bps peer-median decline.
Total loan loss rate modeled at 2.3% versus a 6.7% peer median, supported by limited credit-card exposure of about $0.1 billion.
The presentation assumes a static balance sheet over 1Q26-1Q28; the stress scenario includes about a 5% GDP contraction, 10% peak unemployment, and a 30% house-price drop.
Common dividend is held at $0.17 per share quarterly; CECL-driven 1Q26 provision expense is shown reducing capital to minimum levels.
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