ABOUT US

FHN Financial

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About Us

At FHN Financial, we specialize in serving financial institutions with comprehensive fixed income strategies and complementary balance sheet solutions. For over a century, we've been a trusted partner to banks and credit unions, delivering the scale of a leading trading platform with the service and insight of a relationship-focused team.

As part of First Horizon Bank, we combine the resources and security of a major institution with a deep understanding of community-focused organizations. From our high trading volume and robust execution capabilities to our renowned economic insights and local market expertise, we provide financial institutions with the tools to navigate change, manage risk, and achieve long-term growth—all with innovation, integrity, and clarity.

Our Story - FHN Financial team
OUR STORY

A Legacy of Serving Institutions

FHN Financial's roots stretch back to 1865 with the founding of First Horizon Bank. In the 1920s, we established our bond department—laying the groundwork for a legacy of leadership in fixed income. What began as a regional initiative has grown into a nationally recognized platform, now serving thousands of financial institutions across the U.S. and abroad. Our history is one of continuous innovation, always with the goal of helping community-focused banks and credit unions thrive in an evolving financial landscape.
1864

First National Bank of Memphis established

1920s

The "bond division" begins as a small department at FNB's offices in Downtown Memphis. Memphis' location and the agricultural lending cycle in the mid-South were key factors in our growth.

1977

First National Bank changes its name to First Tennessee

1994

FTN Capital Markets (now FHN Financial) opens its first regional offices, followed by New York and Chicago

2020

First Tennessee becomes First Horizon and merges with Iberia Bank. The combined company would be one of the largest financial services companies headquartered in the South and one of the top 25 banks in the U.S. in deposits.

What Sets us Apart

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Fixed Income Specialization icon

Fixed Income Specialization

Over a century of market-tested experience across all sectors of the bond market, tailored to institutional needs.
Balance Sheet Expertise icon

Balance Sheet Expertise

Strategies that align investment decisions with capital, liquidity, and risk frameworks.
Strength with Service icon

Strength with Service

Backed by First Horizon Bank, we offer scale and stability with a high-touch, relationship-driven approach.
Partnership at Every Step icon

Partnership at Every Step

A focus on lasting relationships built on responsiveness, transparency, and shared success.

FHN Financial isn't just a resource—they're a true partner. Their insight and strategic support have helped us strengthen our balance sheet and make confident investment decisions through every market cycle.

CFO, Regional Bank Customer

Customer testimonial
Tim Romanow
TIM ROMANOW

From Our President

At FHN Financial, we know that relationships are the foundation of the banking industry—and they're at the core of everything we do. For decades, we've built enduring partnerships with financial institutions across the country by offering more than just products—we offer guidance, reliability, and collaboration. Whether your institution is managing interest rate risk, meeting liquidity needs, or planning for the future, we're here with insights and strategies tailored to your unique goals. Thank you for trusting us to be part of your story. We're honored to serve you and committed to your continued success.

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By the Numbers

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Leadership Team

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Tim Romanow
Tim Romanow
President
Executive
Mike Waddell
Mike Waddell
Executive VP, CFO, COO
Executive
Ward Collier
Ward Collier
Co-Head of Sales
Sales & Trading
Jack Rosell
Jack Rosell
Co-Head of Sales
Sales & Trading
Abby Urtz
Abby Urtz
Executive Vice President
Leadership
Steve Twersky
Steve Twersky
Head of Depository Support
Operations
Jon Cantrell
Jon Cantrell
Senior Vice President
Portfolio Management
Jamie Augustine
Jamie Augustine
Executive Vice President
Business Development
Neal Smith, EVP
Neal Smith, EVP
Executive Vice President
Debt Capital Markets
Mike Allen
Mike Allen
Executive Vice President
Municipal Products
Ajay Thomas
Ajay Thomas
Executive Vice President
Public Finance
Bill Buck
Bill Buck
Senior Vice President
Operations and Technology
Jeff Jackson
Jeff Jackson
Head of Trading
Sales & Trading
Don Ritcheson
Don Ritcheson
Senior Vice President
Accounting & Finance
STORY

First Horizon

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First Horizon
myFHN CUSTOMER PORTAL

Analytics On-Demand.

Your fixed income insights, elevated. 24/7 access to customized reports, interactive analytics, economic commentary, and essential resources. Contact us to learn more about myFHN.
myFHN Analytics Dashboard on iPad

Partner with us

Connect with our team to explore customized investment and balance sheet strategies for your institution.

Expert Solutions

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