Strategic partnerships First Horizon is actively expanding through partnerships, evidenced by the October 2026 collaboration with Greenlight Financial Technology to bring family finance tools to clients. This indicates openness to fintech integrations and co-branded solutions that can drive cross-sell of digital banking, safety tools, and educational resources.

Digital transformation The bank’s tech stack includes Microsoft Power Platform, Docker, SAP, VMware and other modern tools, signaling a focus on automation, data analytics, and scalable operations. This presents opportunities to offer cloud, data analytics, and workflow automation solutions that improve efficiency and customer experience.

Executive leadership Recognized leadership, including the CIO/COO and CHRO receiving notable industry accolades, suggests a culture supportive of strategic initiatives and change management. This can ease engagement for enterprise-wide technology implementations and HR tech integrations.

Growth and footprint Recent plans include opening a new 5,000-square-foot banking center in East Memphis within a mixed-use development, signaling physical and community expansion. This presents opportunities to offer branch technology upgrades, omnichannel experiences, security solutions, and local marketing services.

Financial realignment Q3 2026 results show a GAAP net loss with a plan to realign the mortgage book, including selling about $4.5 billion of lower-yielding residential mortgages and pursuing an adjusted earnings improvement. This environment may drive demand for treasury services, risk analytics, asset-liability management tools, and advisory services.