First Horizon Corporation (FHN)
Regional bank, 7,404 associates, 400 banking centers. Read October 19, 2026 from the annual report for the period ending December 31, 2025, filed February 26, 2026. Ranked 15 of the 101 Financial Services companies read so far, by the share within reach now.
Within reach now
40%
End of 2028
66%
Employees, annual report
7,404
Leading staffing pattern
Credit Intermediation and Related Activities (5221 and 5223 only)
Share of the working time within reach, long-run pace, four times in five
- Now40%
- End of 202758%
- End of 202866%
- End of 203068%
What changes for its people by the end of 2028, by its industries' figures
- Stays with people 32%
- Becomes checking a model's work 60%
- Handed over with lighter checks 6%
A regional bank whose filing counts 7,404 associates by full-time and part-time status and nothing by kind of work, so the whole workforce is read at the depository banking group.
The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.
What follows from the reading
Share of working time within reach of AI, on the long-run pace at four in five: 40% now, 58% at the end of 2027, 66% at the end of 2028, 68% at the end of 2030. By the patterns, the work is about 68% desk work, 23% people work and 9% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 32% of the working time stays with people (conversation, in-person and hands-on work), 60% becomes checking a model's work and 6% could be handed over with lighter checks, from the industries' own figures, not the company's roles.
Headcount
7,404 employees as of December 31, 2025 (stated). The filing describes over 450 business locations in 23 states and no operations abroad, so the U.S. share is recorded as 1 with a flag; no count by country is stated.
The filing: “At December 31, 2025, First Horizon had 7,404 associates, including 7,277 full-time associates and 127 part-time associates, or 7,338 full-time-equivalent associates, not including contract labor for certain services.”
The workforce as industry patterns
| Pattern | Share | Reason, from the filing |
|---|---|---|
| Credit Intermediation and Related Activities (5221 and 5223 only) | 100% | By description (c): the filing describes a regional bank with over 400 banking centers in 12 states and its fixed income and wholesale businesses inside it, with no count by kind of work, so the whole workforce is read at the depository banking group, as M&T's and Regions' were. |
What the filing says about the workforce: 7,404 associates at December 31, 2025: 7,277 full-time and 127 part-time, 7,338 full-time equivalents, excluding contract labor for certain services; over 450 business locations in 23 states including over 400 banking centers in 12 states; a new HorizonU learning platform.
Companies read with the same leading pattern
Other companies whose largest staffing pattern is also Credit Intermediation and Related Activities (5221 and 5223 only), largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.
- JPMorgan Chase (JPM, 318,512 employees)37% now, 68% by 2028
- Citigroup (C, 226,000 employees)38% now, 68% by 2028
- Bank of America (BAC, 213,000 employees)39% now, 67% by 2028
- Wells Fargo (WFC, 205,000 employees)39% now, 67% by 2028
- Capital One Financial Corporation (COF, 76,300 employees)40% now, 66% by 2028
- U.S. Bancorp (USB, 68,520 employees)40% now, 66% by 2028
- The PNC Financial Services Group, Inc. (PNC, 55,333 employees)40% now, 66% by 2028
- Mastercard Incorporated (MA, 39,800 employees)40% now, 66% by 2028
What the filing says about AI
4 sentences in the filing name AI. The filing says technologies based on artificial intelligence are proliferating in its industry including at the company, which seeks to accelerate its data capabilities and responsible use of AI, and names AI among tools bad actors use to mimic clients and documents.
- “New technologies, services, and systems based wholly or in part on artificial intelligence are proliferating within our industry, including at our Company as we are seeking to accelerate both our data capabilities and our responsible use of artificial intelligence to deliver excellent client and associate outcomes.”
- “These technologies are subject to risks that algorithms and datasets may be flawed or insufficient or contain biased or incorrect information, risks that are exacerbated because models and processes related to artificial intelligence are not always transparent.”
- “In addition to cybersecurity risk (discussed below), new technologies-including the use of artificial intelligence-have made it easier for bad actors to obtain and use client personal information, mimic communications to or from clients, mimic signatures, and otherwise create false instructions and documents that appear genuine.”
- “In addition, the effectiveness of these techniques may be further enhanced by the use of artificial intelligence.”
Its annual reports, year by year
Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector
- Fiscal 20212median 0
- Fiscal 20222median 0
- Fiscal 20235median 1
- Fiscal 20247median 4
- Fiscal 20254median 10
Headcount by filing year
As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.
| Period | Employees | Filed | Filing |
|---|---|---|---|
| 2025-12-31 | 7,277 | 2026-02-26 | 10-K |
| 2024-12-31 | 7,200 | 2025-02-27 | 10-K |
| 2023-12-31 | 7,300 | 2024-02-23 | 10-K |
| 2022-12-31 | 7,500 | 2023-03-01 | 10-K |
| 2021-12-31 | 7,867 | 2022-03-01 | 10-K |
| 2020-12-31 | 6,802 | 2021-02-25 | 10-K |
| 2019-12-31 | 5,017 | 2020-02-28 | 10-K |
| 2018-12-31 | 5,577 | 2019-02-28 | 10-K |
| 2017-12-31 | 5,984 | 2018-02-28 | 10-K |
| 2016-12-31 | 4,288 | 2017-02-27 | 10-K |
| 2015-12-31 | 4,293 | 2016-02-25 | 10-K |
| 2014-12-31 | 4,310 | 2015-02-24 | 10-K |
| 2013-12-31 | 4,340 | 2014-02-27 | 10-K |
| 2012-12-31 | 4,514 | 2013-02-27 | 10-K |
| 2011-12-31 | 4,809 | 2012-02-28 | 10-K |
| 2010-12-31 | 5,487 | 2011-02-25 | 10-K |
| 2009-12-31 | 5,739 | 2010-02-26 | 10-K |
| 2008-12-31 | 6,266 | 2009-02-26 | 10-K |
| 2007-12-31 | 10,130 | 2008-02-27 | 10-K |
| 2006-12-31 | 12,398 | 2007-02-28 | 10-K |
| 2005-12-31 | 13,501 | 2006-03-08 | 10-K |
| 2004-12-31 | 12,825 | 2005-03-14 | 10-K |
| 2003-12-31 | 11,494 | 2004-03-10 | 10-K |
| 2002-12-31 | 10,632 | 2003-03-19 | 10-K |
| 2001-03-31 | 9,861 | 2002-03-25 | 10-K405 |
| 2000-12-31 | 9,445 | 2001-03-28 | 10-K |
| 1999-12-31 | 10,657 | 2000-03-24 | 10-K405 |
| 1998-12-31 | 10,214 | 1999-03-23 | 10-K |
| 1997-12-31 | 8,207 | 1998-03-23 | 10-K405 |
| 1996-12-31 | 7,745 | 1997-03-27 | 10-K |
| 1995-12-31 | 7,476 | 1996-03-25 | 10-K |
| 1994-12-31 | 6,468 | 1995-03-24 | 10-K |
| 1993-12-31 | 5,653 | 1994-03-08 | 10-K |
Limits of this reading
- The Index's 7,277 is the full-time count alone; the filing states 7,404 associates including 127 part-time (rule 2).
- The U.S. share is recorded as 1 because the filing describes only U.S. locations; it states no count by country.
- Contract labor for certain services is excluded as the filing states (rule 8).
Source: the company's annual report on EDGAR, accession 0000036966-26-000051, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.
The report on First Horizon Corporation, $29
This page as a document to keep, with what it does not show: the share within reach at every date on three paces and two reliabilities, a typical workforce of this shape at the stated headcount role by role and task by task (the industries' staffing, never the company's roster), where to start, what changes for the people and what they would learn, every sentence in the filing that names AI, the headcount by year, the companies read with the same leading pattern, the method and a citation line. To print or save as a PDF, open again in your browser for a year.
See the report, $29See the sample first: Walmart's report is free
Questions about this company
- How much of First Horizon Corporation's working time is within reach of AI?
- An estimated 40% now and 66% by the end of 2028, on METR's long-run pace at four in five, from the workforce First Horizon Corporation's own annual report describes and BLS staffing patterns for its industries, never from a roster. It is an estimate with a stated method. It is not a forecast of jobs lost or of savings, and it says nothing about what the company will do.
- How many people does First Horizon Corporation employ?
- 7,404 as of December 31, 2025, as its annual report for the period ending December 31, 2025 states. About 100% in the U.S.
- What kinds of work make up First Horizon Corporation's workforce?
- Read from its annual report as a blend of 1 industry staffing pattern, the largest Credit Intermediation and Related Activities (5221 and 5223 only); by those patterns the work is about 68% desk work, 23% people work and 9% body work. Each share has a one-sentence reason on this page that can be checked against the filing.
- What does First Horizon Corporation's annual report say about AI?
- 4 sentences in the filing name AI. Its annual reports for fiscal 2021 to 2025 name it in 2, 2, 5, 7 and 4 sentences, year by year. They are counted and quoted on this page, never judged: a count says how much a filing talks about AI, not what the company does with it.
- How is this estimated?
- Claude Fable 5.1 read the annual report under the Index's written rubric (version 1) on October 19, 2026: the stated headcount, the share in the U.S. when stated, and the workforce as a blend of industry staffing patterns. The estimates are the site's industry estimates weighted by those shares, from O*NET tasks with estimated lengths and METR's measurements of how long a task AI models can finish. A company can write to info@stratussc.com to have its reading checked against its filing.
Embed these figures on your site
A small card with the share of working time within reach now and at the end of 2027, 2028 and 2030, the date and a link back. Free under CC BY 4.0; the card carries the credit.