Truist Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Tracing its history to 1872, Truist Bank has grown into one of the largest US commercial banks, with headquarters in Charlotte, NC, during the post-Reconstruction banking expansion. On its most recent Q2 2026 call report, Truist reported $548.3B in total assets against $419.2B in deposits. Profitability tracks the broader industry: ROA 1.16%, ROE 10.04%, NIM 3.08%. Regulatory capital is solid, 12.11% CET1 and 13.62% total risk-based capital ratio. Credit metrics are in line with industry norms, 1.27% NPL ratio. Truist's national footprint covers 1,931 domestic branches.
As of June 30, 2026, Truist Bank reported a CET1 capital ratio of 12.11%, a return on assets of 1.16%, a nonperforming-loan ratio of 1.27%, a Texas ratio of 9.85%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 214 N Tryon St, Charlotte, NC 28202
- County
- Mecklenburg
- Metro Area
- Charlotte-Concord-Gastonia, NC-SC
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1872
- Former names
- Branch Banking and Trust Company (1974-2019)
- Offices
- 1,931 domestic
- Employees (FTE)
- 35,808
- Domestic deposits
- $419.21B
- Allowance for credit losses
- $4.98B
- Net charge-offs (YTD)
- $905.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9846
- Fed RSSD
- 852320
- SEC CIK
- 92230 → filed by TRUIST FINANCIAL CORPORATION
- Website
- www.Truist.com →
- Parent Holding Company
- TRUIST FINANCIAL CORPORATION (RSSD 1074156) · TFC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Lyons Michael P. | CEO | President & CEO |
| Maguire Michael Baron | CFO | Chief Financial Officer |
| Cummins Hugh S. Iii | COO | Vice Chair & COO |
| Rogers William H Jr | CHR | Chairman & CEO |
| Bender Bradley D | CRO | Chief Risk Officer |
| Stengel Scott A | GC | Chief Legal Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Truist Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Truist Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Truist Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Truist Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.11% | 1.16% | 1.27% | 9.85% | 3.08% |
| Q1 2026 | 11.93% | 1.16% | 1.29% | 10.09% | 3.11% |
| Q4 2025 | 11.78% | 1.04% | 1.39% | 10.58% | 3.19% |
| Q3 2025 | 11.91% | 1.11% | 1.39% | 10.50% | 3.12% |
| Q2 2025 | 11.91% | 0.99% | 1.60% | 11.86% | 3.11% |
| Q1 2025 | 12.31% | 1.00% | 1.64% | 11.93% | 3.07% |
| Q4 2024 | 12.61% | 1.04% | 1.52% | 11.30% | 3.18% |
| Q3 2024 | 13.05% | 1.13% | 1.39% | 9.79% | 3.26% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1,928 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Truist Bank (main office) | Charlotte , NC | 28202 | $74.47B |
| Truist Plaza Branch | Atlanta , GA | 30303 | $20.49B |
| Buckhead Branch | Atlanta , GA | 30305 | $17.95B |
| Las Olas Branch | Fort Lauderdale , FL | 33301 | $5.70B |
| Church Street Station Branch | Orlando , FL | 32801 | $5.21B |
| Truist Financial Center Branch | Tampa , FL | 33602 | $4.56B |
| Southbank Branch | Jacksonville , FL | 32207 | $4.39B |
| Greensboro Park Branch | Mclean , VA | 22102 | $4.06B |
| Baltimore Street Branch | Baltimore , MD | 21202 | $3.79B |
| Nashville Downtown Branch | Nashville , TN | 37219 | $3.67B |
| Charlestown Crossing Branch | New Albany , IN | 47150 | $3.31B |
| 10th & Main Branch | Richmond , VA | 23219 | $3.07B |
| West Midtown Branch | Atlanta , GA | 30318 | $2.94B |
| Raleigh Downtown Branch | Raleigh , NC | 27601 | $2.85B |
| Post Oak Branch | Houston , TX | 77056 | $2.78B |
| Mclean Ii Branch | Mclean , VA | 22101 | $2.76B |
| Shades Valley Main Branch | Birmingham , AL | 35223 | $2.73B |
| 17th & Eye Branch | Washington , DC | 20006 | $2.69B |
| Winston-Salem Main Branch | Winston Salem , NC | 27104 | $2.67B |
| Columbia Downtown Branch | Columbia , SC | 29201 | $2.40B |
| Landfall Branch | Wilmington , NC | 28405 | $2.33B |
| Lincoln Avenue Branch | Vineland , NJ | 08361 | $2.03B |
| Ponce at Alhambra Branch | Coral Gables , FL | 33134 | $1.89B |
| Fairfax City Branch | Fairfax , VA | 22030 | $1.88B |
| Brickell Branch | Miami , FL | 33131 | $1.72B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 7, 2019 | Structure Change | Acquired Suntrust Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 7, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 2, 2016 | Structure Change | Acquired National Penn Management Services, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2015 | Structure Change | Acquired Susquehanna Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2015 | M&A | merger | SEC |
| June 20, 2015 | Structure Change | Acquired The Bank of Kentucky, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 19, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2013 | Structure Change | Acquired Creative Payment Solutions, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2013 | Structure Change | Acquired BB&T Financial, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 2, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 2, 2012 | Structure Change | Acquired Bankatlantic Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2010 | Structure Change | Acquired Stanley, Hunt, Dupree & Rhine, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 15, 2009 | Structure Change | Acquired Colonial Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 14, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| December 13, 2008 | Structure Change | Acquired Haven Trust Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 12, 2008 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 18, 2007 | Structure Change | Acquired Coastal Federal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 18, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2007 | Structure Change | Acquired Branch Banking and Trust Company of South Carolina Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 2006 | Structure Change | Acquired The Home Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 11, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 16, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 16, 2006 | Structure Change | Acquired Main Street Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2005 | Structure Change | Acquired BB&T Factors Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 12, 2004 | Structure Change | Acquired Republic Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 11, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 11, 2003 | Structure Change | Acquired Atlantic Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 11, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 26, 2003 | Structure Change | Acquired First Virginia Insurance Services, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 15, 2003 | Structure Change | Acquired Equitable Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 14, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 9, 2002 | Structure Change | Acquired First South Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 8, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 14, 2002 | Structure Change | Acquired Bank of Louisville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 13, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 7, 2002 | Structure Change | Acquired Area Bancshares Support Services Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 13, 2002 | Structure Change | Acquired The Vine Street Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 41 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Truist Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 5 against individuals associated with it
- Period: Most recent action August 8, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 16.9% of deposits in NC, rank 2 of 86 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 112,018 applications, 41,001 loans originated, $14.01B originated, across 49 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 5,839 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Truist Bank
What are Truist Bank's total assets?
As of the Q2 2026 filing, Truist Bank reported total assets of $548.35 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Truist Bank headquartered?
Truist Bank is headquartered in Charlotte, NC, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Truist Bank founded?
Truist Bank was established in 1872, per the FDIC institution directory.
Is Truist Bank FDIC-insured?
Yes. Truist Bank is an FDIC-insured commercial bank (FDIC Certificate #9846). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Truist Bank?
Truist Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Truist Bank's CET1 capital ratio?
Truist Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.11% in its Q2 2026 call report, above regulatory requirements.
How many branches does Truist Bank operate?
Truist Bank operates 1,931 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Truist Bank's Texas Ratio?
Truist Bank's Texas Ratio is 9.85% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Truist Bank previously called?
The charter now named Truist Bank has also operated as Branch Banking and Trust Company (1974-2019), per FDIC structure-change records.
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