Truist Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 14.5% higher than in Q1 2026, at $2.27B. Truist Bank ranks 26th of 38 North Carolina banks on loan-to-deposit ratio, in the lower half at 79.23% (Q2 2026). Truist Bank reported 79.23% on loan-to-deposit ratio for Q2 2026, 17.55 points above the 61.69% median for banks in the >= $250B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $332.16B |
| Net loans and leases | $327.17B |
| Loans held for sale | $2.27B |
| Loans to total assets | 60.57% |
| Loan-to-deposit ratio | 79.23% |
| Net loans to equity capital | 5.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.46% |
| Multifamily (5+ residential) | 2.60% |
| Commercial and industrial | 22.98% |
| Consumer | 17.03% |
| Credit cards | 0.97% |
| Farm | 0.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.79% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 76.07% |
| Construction concentration (Tier 1 capital + allowance) | 13.35% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $4.64B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $317.01B | $411.89B | 12.26% | 26.84% | 17.54% |
| Q4 2023 | $313.21B | $407.53B | 12.31% | 27.32% | 17.23% |
| Q1 2024 | $308.44B | $406.14B | 12.23% | 27.12% | 17.08% |
| Q2 2024 | $307.05B | $397.41B | 11.98% | 25.36% | 17.32% |
| Q3 2024 | $304.27B | $400.42B | 11.80% | 24.69% | 17.81% |
| Q4 2024 | $307.55B | $402.08B | 11.33% | 22.85% | 17.03% |
| Q1 2025 | $309.57B | $413.78B | 10.90% | 23.46% | 17.12% |
| Q2 2025 | $319.82B | $417.55B | 10.64% | 23.51% | 17.37% |
| Q3 2025 | $325.48B | $404.06B | 10.65% | 22.78% | 17.62% |
| Q4 2025 | $330.32B | $409.43B | 10.70% | 23.10% | 17.48% |
| Q1 2026 | $331.27B | $413.57B | 10.43% | 23.25% | 17.17% |
| Q2 2026 | $332.16B | $419.21B | 10.46% | 22.98% | 17.03% |
Truist Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Truist Bank, freeSource: Call Report Schedule RC-C, 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)