First Tennessee Bank and Capital Bank have made a multibillion-dollar commitment to low-to-moderate-income communities across its footprint. The two banks — which fall under the umbrella of Memphis-based First Horizon National Corp. — announced plans Tuesday for a five-year, $3.95 billion community benefit plan. That commitment will be made possible via lending, grants and investments and is 10 percent of First Tennessee’s post Capital Bank merger assets. “Our company is dedicated to…