Truist Bank
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Data as of · sourced from FFIEC call reports. How we update
Truist Bank is an FDIC-insured commercial bank headquartered in Charlotte, NC, supervised by the FDIC, with $548.35B in total assets at Q2 2026, up 2.4% from Q2 2025, the 2nd largest of 38 banks headquartered in North Carolina. It was established in 1872 and holds FDIC certificate 9846. Its CET1 capital ratio was 12.11% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9846
- Headquarters
- Charlotte, NC
- Established
- 1872
- Total assets, Q2 2026
- $548.35B
- Assets vs Q2 2025
- +2.4%
- CET1 ratio, Q2 2026
- 12.11%
- Domestic offices
- 1,931 · Truist Bank branches FDIC institution directory, current count
- Routing number
- 053101121
- Safety and soundness
- Is Truist Bank safe?
- Latest call report
- Q2 2026, FFIEC 031 · Truist Bank call report
- Holding company
- TRUIST FINANCIAL CORPORATION
- Asset rank in state
- 2nd of 38 in North Carolina
Truist Bank is the 9th-largest bank in the United States, with $548.3 billion in assets at June 30, 2026, up 2.4% from a year earlier. It is headquartered in Charlotte, North Carolina, and operates 1,931 domestic branches. It grew its loan book 3.9% over the year, about a third the median of 10.9% for the 18 US banks with $250 billion or more in assets. It also returns 10.0% a year on shareholders' equity, lower than about three-quarters of banks its size (median 13.4%).
Unrealized losses on its securities total $12.8 billion, equal to 25% of Tier 1 capital, against 29% a year earlier. Net income for the quarter rose 19% from a year earlier, to $1.6 billion. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.55% of loans from 0.43% a year earlier.
As of June 30, 2026, Truist Bank reported a CET1 capital ratio of 12.11%, a return on assets of 1.16%, a nonperforming-loan ratio of 0.72% and a Texas ratio of 3.65%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Truist Bank is the 2nd largest of the 38 banks headquartered in North Carolina. From Q1 2026 to Q2 2026, its total assets rose 1.3% to $548.35B, loans rose 0.3% and deposits rose 1.4%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 23.0% of total loans, ahead of 1-4 family residential loans at 20.6%. On its Q2 2026 call report, Truist Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 214 N Tryon St, Charlotte, NC 28202
- County
- Mecklenburg
- Metro Area
- Charlotte-Concord-Gastonia, NC-SC
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1872
- Former names
- Branch Banking and Trust Company (1974-2019)
- Domestic offices
- 1,931 FDIC institution directory, current count
- Employees (FTE)
- 35,808
- Domestic deposits
- $419.21B
- Allowance for credit losses
- $4.98B
- Net charge-offs (YTD)
- $905.0M
- Average total assets
- $547.14B
- Average total loans
- $330.39B
- Average interest-bearing deposits
- $313.79B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9846
- Fed RSSD
- 852320
- SEC CIK
- 92230 → filed by TRUIST FINANCIAL CORPORATION
- Website
- www.Truist.com →
- Parent Holding Company
- TRUIST FINANCIAL CORPORATION (RSSD 1074156) · TFC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Michael P. Lyons | CEO | President & CEO |
| William H Rogers Jr | CHR | Chairman & CEO |
| Maguire Michael Baron | CFO | Chief Financial Officer |
| Hugh S. Cummins Iii | COO | Vice Chair & COO |
| Bradley D Bender | CRO | Chief Risk Officer |
| Scott A Stengel | GC | Chief Legal Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Truist Bank's total assets moved between a low of $511.93B (Q2 2024) and a high of $548.35B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$548.35B total assets against $535.59B; $485.38B total liabilities against $473.82B.
$327.17B net loans and leases against $314.93B; $419.21B total deposits against $417.55B.
$114.18B securities against $115.41B; $39.20B cash and balances due against $41.34B.
$5.91B total interest income against $6.09B; $2.17B total interest expense against $2.41B.
$3.74B net interest income against $3.68B.
$1.22B total noninterest income against $1.11B; $2.74B total noninterest expense against $2.69B.
$396.0M provision for credit losses against $487.0M.
$1.58B net income against $1.33B.
1.16% return on assets against 0.99%; 3.08% net interest margin against 3.11%.
12.11% CET1 capital ratio against 11.91%; 9.82% tier 1 leverage ratio against 9.81%.
Inside the full Truist Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Truist Bank rankings
Its closest position to the top of a national ranking is 9 of 4,196, for total assets; its furthest is 1,664 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.99% (Q2 2025) to 1.16% (Q1 2026) and its net interest margin ran from 3.07% (Q1 2025) to 3.26% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.11% | 1.16% | 0.72% | 3.65% | 3.08% |
| Q1 2026 | 11.93% | 1.16% | 0.75% | 3.74% | 3.11% |
| Q4 2025 | 11.78% | 1.04% | 0.68% | 3.47% | 3.19% |
| Q3 2025 | 11.91% | 1.11% | 0.66% | 3.57% | 3.12% |
| Q2 2025 | 11.91% | 0.99% | 0.57% | 2.98% | 3.11% |
| Q1 2025 | 12.31% | 1.00% | 0.70% | 3.68% | 3.07% |
| Q4 2024 | 12.61% | 1.04% | 0.66% | 3.51% | 3.18% |
| Q3 2024 | 13.05% | 1.13% | 0.65% | 3.44% | 3.26% |
Swipe the table sideways to see every column.
Branch Network
View all 1,928 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Truist Bank (main office) | Charlotte , NC | 28202 | $74.47B |
| Truist Plaza Branch | Atlanta , GA | 30303 | $20.49B |
| Buckhead Branch | Atlanta , GA | 30305 | $17.95B |
| Las Olas Branch | Fort Lauderdale , FL | 33301 | $5.70B |
| Church Street Station Branch | Orlando , FL | 32801 | $5.21B |
| Truist Financial Center Branch | Tampa , FL | 33602 | $4.56B |
| Southbank Branch | Jacksonville , FL | 32207 | $4.39B |
| Greensboro Park Branch | Mclean , VA | 22102 | $4.06B |
| Baltimore Street Branch | Baltimore , MD | 21202 | $3.79B |
| Nashville Downtown Branch | Nashville , TN | 37219 | $3.67B |
| Charlestown Crossing Branch | New Albany , IN | 47150 | $3.31B |
| 10th & Main Branch | Richmond , VA | 23219 | $3.07B |
| West Midtown Branch | Atlanta , GA | 30318 | $2.94B |
| Raleigh Downtown Branch | Raleigh , NC | 27601 | $2.85B |
| Post Oak Branch | Houston , TX | 77056 | $2.78B |
| Mclean Ii Branch | Mclean , VA | 22101 | $2.76B |
| Shades Valley Main Branch | Birmingham , AL | 35223 | $2.73B |
| 17th & Eye Branch | Washington , DC | 20006 | $2.69B |
| Winston-Salem Main Branch | Winston Salem , NC | 27104 | $2.67B |
| Columbia Downtown Branch | Columbia , SC | 29201 | $2.40B |
| Landfall Branch | Wilmington , NC | 28405 | $2.33B |
| Lincoln Avenue Branch | Vineland , NJ | 08361 | $2.03B |
| Ponce at Alhambra Branch | Coral Gables , FL | 33134 | $1.89B |
| Fairfax City Branch | Fairfax , VA | 22030 | $1.88B |
| Brickell Branch | Miami , FL | 33131 | $1.72B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 7, 2019 | Structure Change | Acquired Suntrust Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 7, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 2, 2016 | Structure Change | Acquired National Penn Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2015 | Structure Change | Acquired Susquehanna Trust & Investment Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2015 | M&A | Acquired Semper Trust Company merger for the acquired bank | SEC |
| June 20, 2015 | Structure Change | Acquired The Bank of Kentucky, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 19, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2013 | Structure Change | Acquired Creative Payment Solutions, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2013 | Structure Change | Acquired BB&T Financial, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 2, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 2, 2012 | Structure Change | Acquired Bankatlantic Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2010 | Structure Change | Acquired Stanley, Hunt, Dupree & Rhine, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 15, 2009 | Structure Change | Acquired Colonial Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 14, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| December 13, 2008 | Structure Change | Acquired Haven Trust Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 12, 2008 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 18, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 18, 2007 | Structure Change | Acquired Coastal Federal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2007 | Structure Change | Acquired Branch Banking and Trust Company of Virginia Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 2006 | Structure Change | Acquired The Home Bank of Tennessee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 11, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 16, 2006 | Structure Change | Acquired Main Street Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 16, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2005 | Structure Change | Acquired BB&T Factors Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 12, 2004 | Structure Change | Acquired Republic Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 11, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 11, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 11, 2003 | Structure Change | Acquired Farmers Bank of Maryland Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 26, 2003 | Structure Change | Acquired First Virginia Insurance Services, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 15, 2003 | Structure Change | Acquired Equitable Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 14, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 9, 2002 | Structure Change | Acquired First South Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 8, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 14, 2002 | Structure Change | Acquired Bank of Louisville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 13, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 7, 2002 | Structure Change | Acquired Area Bancshares Support Services Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 13, 2002 | Structure Change | Acquired Area Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 41 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 5 against individuals associated with it
- Period: Most recent action August 8, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 16.9% of deposits in NC, rank 2 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 112,018 applications, 41,001 loans originated, $14.01B originated, across 49 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 70 loans, $113.0M approved, $1.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 5,928 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Truist Bank
What are Truist Bank's total assets?
As of the Q2 2026 filing, Truist Bank reported total assets of $548.35 billion in its FFIEC call report.
Where is Truist Bank headquartered?
It is headquartered in Charlotte, NC, United States.
When was Truist Bank founded?
It was established in 1872, per the FDIC institution directory.
Is Truist Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9846). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Truist Bank?
Truist Bank's primary federal regulator is the FDIC.
What is Truist Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.11% in its Q2 2026 call report, above regulatory requirements.
How many branches does Truist Bank operate?
It operates 1,931 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Truist Bank's Texas Ratio?
Its Texas Ratio is 3.65% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Truist Bank previously called?
The charter now named Truist Bank has also operated as Branch Banking and Trust Company (1974-2019), per FDIC structure-change records.
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