First Horizon (FHN) Q2 2026 Earnings Call Transcript

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DATE

Wednesday, July 15, 2026 astatine 9:30 a.m. ET

CALL PARTICIPANTS

• Head of Investor Relations - Tyler Craft

• Chairman, President and Chief Executive Officer - Bryan Jordan

• Chief Financial Officer - Hope Dmuchowski

• Chief Credit Officer - Thomas Hung

Full Conference Call Transcript

Operator: Welcome to the First Horizon Second Quarter 26 Earnings Conference Call. After today's prepared remarks, we volition big a question-and-answer session. And To retreat your question, prima 1 again. I volition present manus the league implicit to Tyler Craft, Head of Investor Relations.

Tyler Craft: Thank you, Rebecca. Good morning. Welcome to our 2nd 4th 26 results league call. Thank you for joining us. Today, our Chairman, President and CEO, Bryan Jordan and Chief Financial Officer, Hope Dmuchowski, volition supply prepared remarks, aft which we volition beryllium blessed to instrumentality your questions. Also pleased to person our Chief Credit Officer, Thomas Hung, present to assistance with questions arsenic well. Our remarks contiguous volition notation our net presentation, which is disposable connected our website astatine ir.firsthorizon.com. As always, I request to punctual you that we volition marque guardant looking statements that are taxable to risks and uncertainties.

Therefore, we inquire you to reappraisal the factors that whitethorn origin our results to disagree from our expectations connected leafage 2 of our presumption and successful our SEC filings. Additionally, delight beryllium alert that our comments volition notation to adjusted results which exclude the interaction of notable items and to different non GAAP measures. Therefore, it is important for you to reappraisal the GAAP accusation successful our net merchandise pages 2 and 3 of our presentation, and the non GAAP reconciliations astatine the extremity of our presentation. And past but not least, our comments bespeak our existent views you should recognize that we are not obligated to update them. And with that, I volition manus it implicit to Brian.

D. Bryan Jordan: Thanks, Tyler. Good morning, Thank you for joining america this morning. I americium arrogant of the results we achieved successful the 2nd quarter. Comparing our twelvemonth implicit twelvemonth performance, adjusted net per stock for the 4th were up $0.09 oregon 20%. We saw an 8% summation successful adjusted PPNR and play extremity indebtedness balances grew by astir $2 cardinal compared to the 2nd 4th of 25. These outcomes are the nonstop results of our wide objectives, disciplined execution, and the worth we show to clients time successful and time out. We spot continued maturation momentum going into the 2nd fractional of the year.