Truist Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Subordinated notes and debentures dropped 21.6% in Q2 2026, from $3.54B to $2.78B. It was the largest change from Q1 2026 among the key lines here. Within North Carolina, Truist Bank is 23rd of 26 on CET1 ratio, 12.11% as of Q2 2026, below the middle of the field. The median for banks in the >= $250B asset tier is 15.13% on CET1 ratio. Truist Bank sits 3.02 points lower, at 12.11% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.11% |
| Tier 1 risk-based capital ratio | 12.11% |
| Total risk-based capital ratio | 13.62% |
| Tier 1 leverage ratio | 9.82% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $52.03B |
| Tier 1 capital | $52.03B |
| Total risk-based capital | $58.54B |
| Total equity capital | $62.97B |
| Risk-weighted assets | $429.78B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.48% |
| Tangible equity to tangible assets | 8.48% |
| Equity capital to average assets | 11.51% |
| Internal capital growth rate | 1.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $24.0M |
| Common stock surplus | $58.91B |
| Retained earnings | $10.75B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.71B |
| Subordinated notes and debentures | $2.78B |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.62% | 11.62% | 13.26% | 9.28% | $420.36B |
| Q4 2023 | 11.66% | 11.66% | 13.31% | 9.22% | $414.93B |
| Q1 2024 | 11.74% | 11.74% | 13.53% | 9.41% | $412.08B |
| Q2 2024 | 13.11% | 13.11% | 14.91% | 10.31% | $402.12B |
| Q3 2024 | 13.05% | 13.05% | 14.76% | 10.55% | $404.18B |
| Q4 2024 | 12.61% | 12.61% | 14.27% | 10.13% | $407.78B |
| Q1 2025 | 12.31% | 12.31% | 14.01% | 9.94% | $413.56B |
| Q2 2025 | 11.91% | 11.91% | 13.55% | 9.81% | $426.13B |
| Q3 2025 | 11.91% | 11.91% | 13.52% | 9.80% | $429.13B |
| Q4 2025 | 11.78% | 11.78% | 13.33% | 9.83% | $434.98B |
| Q1 2026 | 11.93% | 11.93% | 13.43% | 9.89% | $433.57B |
| Q2 2026 | 12.11% | 12.11% | 13.62% | 9.82% | $429.78B |
Truist Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Truist Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Truist Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9846) · FFIEC NIC profile (RSSD 852320)