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Truist Bank
Charlotte, NC·FDIC Cert #9846·Charter: STATE·Est. 18720101.0·HC: TRUIST FINANCIAL CORP
Total Assets
$539.5B
Q4 2025
Return on Assets
1.04%
-0.00%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
54.45%
Peer avg: 52.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.04%-0.00
ROE
8.93%-0.02
Efficiency
54.45%+0.41
Equity/Assets
0.00%+0.00
NPL Ratio
0.70%+0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
79.45%+0.13
Charge-offs
0.54%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.8 | 0.9 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 |
| ROE | 8.5 | 7.5 | 8.1 | 8.3 | 8.6 | 8.6 | 8.9 | 8.9 |
| Efficiency | 56.5 | 56.7 | 55.4 | 55.2 | 54.1 | 54.3 | 54.0 | 54.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.6 | 0.7 | 0.7 | 0.7 | 0.6 | 0.7 | 0.7 |
| Charge-offs | 0.6 | 0.6 | 0.6 | 0.6 | 0.6 | 0.5 | 0.5 | 0.5 |
| Loan/Deposit | 74.8 | 76.1 | 74.8 | 75.3 | 73.6 | 75.4 | 79.3 | 79.5 |
Balance Sheet
Total Assets$539.5B
Total Deposits$409.4B
Total Loans$325.3B
Total Equity$63.2B
Profitability
ROA1.04%
ROE8.93%
Efficiency Ratio54.45%
Net Income$5.5B
Risk & Asset Quality
NPL Ratio0.70%
Charge-off Rate0.54%
Loan/Deposit79.45%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans