Derivative Products
For over 30 years, FHN Financial has provided community and regional banks interest rate management tools used by larger financial institutions without costly contracts or hidden fees. FHN Financial (First Horizon Bank) is a direct, FDIC‑insured counterparty, providing flexibility to meet your institution’s unique needs in a constantly evolving financial environment.
Historically, smaller institutions faced barriers to the derivatives market due to education gaps, regulatory concerns, and high fees. Regulatory advancements and increased transparency have not only made derivatives more accessible but also essential for effective interest rate management. Working with FHN Financial, community banks can now confidently leverage derivatives to protect margins, enhance offerings, and drive long‑term growth.
Balance Sheet Management
FHN Financial offers various derivative products that enable financial institutions to proactively manage their balance sheet through various interest rate cycles.
Hedge Accounting & Regulatory Support
- Full hedge-accounting documentation and post-trade reporting
- Monthly valuations, legal lending guidance, and call report instructions
Documentation & Strategy Development
- Pro forma “before and after” analysis tailored to each institution
- Customized hedging strategies aligned with balance sheet goals
Education & Training
- In-depth derivatives education for boards, ALCO, operations, and lending teams
- On-site and virtual presentations, primers, and strategic guidance
Market Insights & Publications
- Daily Pricing Matrix and market updates
- Bulletins covering strategies, regulatory changes, and industry trends
- Product Primers with detailed strategy insights
Loan Hedging
A loan hedging program offers regional and community banks the opportunity to be more competitive with their loan offerings. Our turnkey solution equips lenders with the tools to manage interest rate risk through derivatives, particularly interest rate swaps, caps and collars. These tools are a vital part of the necessary strategy for commercial lenders seeking to grow loan production, generate fee income, and offer competitive fixed‑rate solutions.
Our Objectives
Our Team
Al Farlow
Senior Vice President
Christian Turner
Senior Vice President
Brian Matochik
Co‑Founder and Chief Architect
Al Farlow
Senior Vice President
Christian Turner
Senior Vice President
Brian Matochik
Co‑Founder and Chief Architect
Connect with Us
Reach out to our derivatives team to explore strategies, education, and documentation support tailored to your institution.
Analytics On-Demand.
