Truist Bank: Loan Modifications and Restructuring
Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
Loans whose terms were changed for a borrower in financial difficulty. Modification postpones a loss rather than removing it, so a modified book growing faster than the non-performing book is worth reading as an early signal rather than a clean bill of health.
The biggest quarter-over-quarter change on this page was a small one: Modified loans and leases edged down 1.2% between Q1 2026 and Q2 2026, to $2.52B.
Modified loans
| Line item | Q2 2026 |
|---|---|
| Modified loans and leases | $2.52B |
| Modified loans to total loans | 0.76% |
| Non-performing assets excluding restructured loans, to assets | 0.31% |
Read against the non-performing book
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to total loans | 1.27% |
| Nonaccrual loans to loans | 0.51% |
| Loans 90+ days past due to loans | 0.21% |
| Net charge-off ratio | 0.50% |
| Allowance for credit losses to loans | 1.50% |
Shown side by side so the modified share can be compared with recognised non-performing loans and with what has already been charged off.
Loan Modifications and Restructuring trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
A modified share rising while the non-performing share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Non-performing loans | Net charge-offs |
|---|---|---|---|
| Q3 2023 | 0.47% | 0.95% | 0.51% |
| Q4 2023 | 0.72% | 1.18% | 0.58% |
| Q1 2024 | 0.79% | 1.24% | 0.64% |
| Q2 2024 | 0.84% | 1.30% | 0.58% |
| Q3 2024 | 0.91% | 1.39% | 0.55% |
| Q4 2024 | 1.06% | 1.52% | 0.60% |
| Q1 2025 | 1.13% | 1.64% | 0.59% |
| Q2 2025 | 1.21% | 1.60% | 0.51% |
| Q3 2025 | 0.91% | 1.39% | 0.48% |
| Q4 2025 | 0.91% | 1.39% | 0.58% |
| Q1 2026 | 0.77% | 1.29% | 0.60% |
| Q2 2026 | 0.76% | 1.27% | 0.50% |
Truist Bank loan modifications and restructuring, all the way back
Loan Modifications and Restructuring back to 2001 · peer percentiles on every line item · Excel export
Unlock Truist Bank, freeSource: Call Report Schedules RC-C Memoranda and RC-N, 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)