Bank Safety Analysis
Is Truist (Truist Bank) Safe? Charlotte, North Carolina
Based on its Q2 2026 call report, Truist Bank meets every capital ratio test for well capitalized, its Texas ratio is 3.65%, and its deposits are FDIC insured up to $250,000 per depositor.
BankRegReports is independent of Truist Bank and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 call report, Truist Bank's CET1 ratio is 12.11%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 12.11%
- Tier 1 leverage ratio (Q2 2026): 9.82%
- Texas ratio (Q2 2026): 3.65%
- Noncurrent loans ratio (Q2 2026): 0.72%
Truist Bank is an FDIC-insured commercial bank (FDIC Certificate #9846). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Truist Bank passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: held-to-maturity unrealized loss to equity. Analysis based on the Q2 2026 call report.
In Q2 2026, CET1 ratio edged up by 0.18 percentage points, from 11.93% to 12.11%, the largest move among the key lines here. Within North Carolina, Truist Bank is 22nd of 26 on CET1 ratio, 12.11% as of Q2 2026. Truist Bank reported 12.11% on CET1 ratio for Q2 2026, 1.53 points below the 13.63% median for banks in the >= $250B asset tier. From Q3 2023 to Q2 2026, Truist Bank's CET1 ratio ranged between 11.62% (Q3 2023) and 13.11% (Q2 2024) and its Texas ratio ranged between 2.98% (Q2 2025) and 4.85% (Q3 2023). Between Q2 2025 and Q2 2026, Truist Bank's CET1 ratio rose from 11.91% to 12.11%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.57% to 0.72%, Texas ratio rose from 2.98% to 3.65% and return on assets rose from 0.99% to 1.16%.
Data as of · sourced from FFIEC call reports. How we update
This bank has more than $10 billion in assets. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. The page therefore shows no score or tier for it.
Scorecard by dimension
Peer cohort: $250B or more (18 banks) · Industry averages as of Q2 2026.
CET1 of 12.11% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 9.82% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.72% are within industry-normal range.
Texas Ratio of 3.7% is well below the 100% historical failure threshold.
Efficiency ratio of 53.7% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 12.11% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 3.65% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.72% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 44.91% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 79.23% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 76.07% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 13.03% | Watch at 10%, concern at 25% | Flagged |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 12.11% |
| Q1 2026 | 11.93% |
| Q4 2025 | 11.78% |
| Q3 2025 | 11.91% |
| Q2 2025 | 11.91% |
| Q1 2025 | 12.31% |
| Q4 2024 | 12.61% |
| Q3 2024 | 13.05% |
| Q2 2024 | 13.11% |
| Q1 2024 | 11.74% |
| Q4 2023 | 11.66% |
| Q3 2023 | 11.62% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 3.65% |
| Q1 2026 | 3.74% |
| Q4 2025 | 3.47% |
| Q3 2025 | 3.57% |
| Q2 2025 | 2.98% |
| Q1 2025 | 3.68% |
| Q4 2024 | 3.51% |
| Q3 2024 | 3.44% |
| Q2 2024 | 3.43% |
| Q1 2024 | 4.34% |
| Q4 2023 | 4.29% |
| Q3 2023 | 4.85% |
Truist Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 12.11% | 0.72% | 3.65% | 1.16% |
| Mar 31, 2026 | 11.93% | 0.75% | 3.74% | 1.16% |
| Dec 31, 2025 | 11.78% | 0.68% | 3.47% | 1.04% |
| Sep 30, 2025 | 11.91% | 0.66% | 3.57% | 1.11% |
| Jun 30, 2025 | 11.91% | 0.57% | 2.98% | 0.99% |
| Mar 31, 2025 | 12.31% | 0.70% | 3.68% | 1.00% |
| Dec 31, 2024 | 12.61% | 0.66% | 3.51% | 1.04% |
| Sep 30, 2024 | 13.05% | 0.65% | 3.44% | 1.13% |
| Jun 30, 2024 | 13.11% | 0.62% | 3.43% | 0.75% |
| Mar 31, 2024 | 11.74% | 0.63% | 4.34% | 0.91% |
| Dec 31, 2023 | 11.66% | 0.63% | 4.29% | -3.62% |
| Sep 30, 2023 | 11.63% | 0.66% | 4.85% | 0.96% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Truist Bank FDIC insured?
Yes. Truist Bank is an FDIC-insured commercial bank (FDIC Certificate #9846). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Truist Bank well capitalized?
On its Q2 2026 call report, Truist Bank's CET1 ratio is 12.11%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Truist Bank's key safety ratios?
For Q2 2026, Truist Bank reports CET1 12.11%, leverage 9.82%, Texas ratio 3.65%, noncurrent loans 0.72%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Truist Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
Add this badge to your website
Free to use. It shows Truist Bank’s latest filed figures and updates each quarter.
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 9846) · FFIEC NIC profile (RSSD 852320)
Explore: Full Truist Bank profile · Other banks in NC · Metric glossary · How the call report works