Truist Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 0.87 percentage points in Q2 2026, from 80.10% to 79.23%. It was the largest change from Q1 2026 among the key lines here. Within North Carolina, Truist Bank is 18th of 38 on return on assets, 1.16% as of Q2 2026, above the middle of the field. The median for banks in the >= $250B asset tier is 1.23% on return on assets. Truist Bank sits 0.07 points lower, at 1.16% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.11% |
| Tier 1 risk-based capital ratio | 12.11% |
| Total risk-based capital ratio | 13.62% |
| Tier 1 leverage ratio | 9.82% |
| Equity capital to assets | 11.48% |
| Tangible equity to tangible assets | 8.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.27% |
| Non-performing assets ratio | 0.77% |
| Net charge-off ratio | 0.50% |
| Texas ratio | 9.85% |
| Allowance for credit losses to loans | 1.50% |
| Reserve coverage of non-performing loans | 118.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 10.04% |
| Net interest margin | 3.08% |
| Efficiency ratio | 53.71% |
| Yield on earning assets | 4.86% |
| Cost of funds | 1.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.23% |
| Core deposits to total deposits | 89.90% |
| Brokered deposits to total deposits | 6.40% |
| Deposits to assets | 76.45% |
| Securities to assets | 20.82% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.62% | 11.62% | 13.26% | 9.28% | 0.96% |
| Q4 2023 | 11.66% | 11.66% | 13.31% | 9.22% | -3.62% |
| Q1 2024 | 11.74% | 11.74% | 13.53% | 9.41% | 0.91% |
| Q2 2024 | 13.11% | 13.11% | 14.91% | 10.31% | 0.75% |
| Q3 2024 | 13.05% | 13.05% | 14.76% | 10.55% | 1.13% |
| Q4 2024 | 12.61% | 12.61% | 14.27% | 10.13% | 1.04% |
| Q1 2025 | 12.31% | 12.31% | 14.01% | 9.94% | 1.00% |
| Q2 2025 | 11.91% | 11.91% | 13.55% | 9.81% | 0.99% |
| Q3 2025 | 11.91% | 11.91% | 13.52% | 9.80% | 1.11% |
| Q4 2025 | 11.78% | 11.78% | 13.33% | 9.83% | 1.04% |
| Q1 2026 | 11.93% | 11.93% | 13.43% | 9.89% | 1.16% |
| Q2 2026 | 12.11% | 12.11% | 13.62% | 9.82% | 1.16% |
Truist Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Truist Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)