Truist Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Truist Bank of Charlotte, NC against its peer group of 18 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.16% | 1.19% | -0.03% | 35th below |
| ROAE | 10.04% | 12.96% | -2.92% | 24th bottom |
| Net Interest Margin | 3.08% | 2.86% | +0.22% | 65th above |
| Efficiency Ratio | 53.71% | 53.55% | +0.16% | 47th below |
| PPNR / Avg Assets | 1.62% | 1.75% | -0.13% | 35th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 4.86% | 5.02% | -0.16% | 53rd above |
| Cost of Funds | 1.86% | 2.25% | -0.39% | 59th above |
| Net Interest Spread | 2.47% | 2.35% | +0.12% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.27% | 0.89% | +0.38% | 18th bottom |
| NPA / Total Assets | 0.77% | 0.46% | +0.31% | 24th bottom |
| NCO / Avg Loans | 0.50% | 0.48% | +0.02% | 24th bottom |
| ACL / Total Loans | 1.50% | 1.37% | +0.13% | 53rd above |
| ACL / NPLs (Coverage) | 118.20% | 147.08% | -28.88% | 47th below |
| Texas Ratio | 9.85% | 6.34% | +3.51% | 24th bottom |
| Provision / NCO | 94.92% | 123.68% | -28.76% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.11% | 17.62% | -5.51% | 18th bottom |
| Tier 1 Ratio | 12.11% | 17.65% | -5.54% | 18th bottom |
| Total Capital Ratio | 13.62% | 18.57% | -4.95% | 12th bottom |
| Leverage Ratio | 9.82% | 8.70% | +1.12% | 65th above |
| Equity / Assets | 11.48% | 9.86% | +1.62% | 71st above |
| TCE / Tangible Assets | 8.48% | 7.97% | +0.51% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.23% | 58.86% | +20.37% | 24th bottom |
| Core Deposit Ratio | 89.90% | 82.61% | +7.29% | 53rd above |
| Uninsured Deposit Ratio | 44.91% | 43.67% | +1.24% | 41st below |
| Wholesale Funding Ratio | 9.56% | 7.31% | +2.25% | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.38% | 14.14% | -11.76% | 29th below |
| Loan Growth (Y/Y) | 3.86% | 16.59% | -12.73% | 18th bottom |
| Deposit Growth (Y/Y) | 0.40% | 11.98% | -11.58% | 18th bottom |
See Truist Bank's peers by name
The 18 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Truist Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Truist Bank profile, how to read a UBPR, or how this data updates.