# SUNTRUST BANK
ATLANTA, GA · FDIC certificate 867 · asset band >$100B · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $221.42B | |
| Deposits | $169.25B | |
| Loans and leases | $160.55B | |
| Total equity | $26.66B | |
| Loans / deposits | 93.86% (p83 of band) | 81.07% |
| Liquid assets / assets | 17.78% (p17 of band) | |
| Uninsured deposits / deposits | 44.16% (p50 of band) | 44.21% |
| Brokered deposits | 2.79% | |
| Wholesale funding | 12.04% (p50 of band) | |
| FHLB advances / assets | 3.39% | |
| Tier 1 leverage | 9.83% (p57 of band) | 9.77% |
| Unrealized securities loss / equity | 2.73% (p67 of band) | 2.01% |
| AOCI / equity | 4.80% (p90 of band) | |
| ROA (annualized) | 1.20% (p43 of band) | 1.28% |
| Net interest margin | 3.23% (p63 of band) | 3.18% |
| Efficiency ratio | 60.56% (p73 of band) | |
| Noncurrent loans | 1.24% (p87 of band) | 0.82% |
| Net charge-offs (annualized) | 0.20% (p57 of band) | |
| Reserve coverage of noncurrent | 85.05% | |
| Real estate % of loans | 38% | |
| Construction % of loans | 13.84% (p73 of band) | |
| Auto loans | $12.88B (8.02% of loans; DQ 0.78%, NCO 0.03%) | |
| Loans to nondepository financials | $8.01B (30% of equity) (p73 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 21241 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-24 [SunTrust Class Action Lawsuit: What Every Georgia Bank Customer Needs to Know Before the September 2026 Deadline - lawnews.co.uk](https://news.google.com/rss/articles/CBMi5wFBVV95cUxObk1sdUNuR05UaWNlbFRwT0kyOFdUeDdLUkhlQ0g2RkNkY3cwYTBEenZWTUFxY2xQcnBhLUdHeG5tWjd0a2k0MzhHYTltVGlpR0ttNXJvRFJzNXM2U2JTMWN4UUtVXzh4SGUxQ1R2MmdYN3VDdlg1YUZ2NWlBNm9WekIwdllZdWtRUGFobTVraDlUMUt5RXZkU0RBOXB3NmJmSy0tMXY3bUVEN3FGaUJhS2Nkd2MtNkZyUktDX01UdXR2Z1M3SGRhTlVLOVp1aS1nQW9RUDVHTTV0WXFZZjZ6WUV1ZUptdVk?oc=5) · lawnews.co.uk
- 2026-02-18 [Now Open: SunTrust Bank $240M Overdraft Fee Settlement - Claim Depot](https://news.google.com/rss/articles/CBMiigFBVV95cUxPRTJXcllJSkZEN2pKOGRTa3M4Qk1Vc0hOYVZDMy1DLTJpN2h2cno0UzBrOVNONC12OVc1cVFxV3lGaDZKaEhBcHVZUjBNNTZlelVuLXJLejVIbUZuN0RxOFJrR3cyclQtcUFnblRGLTNwcGl3bzVqeXFtcGlvWnN3NVVpb3BqRTFmanc?oc=5) · Claim Depot
- 2026-02-26 [$240M SunTrust overdraft fees class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMixAFBVV95cUxQZU51b25pVEZabUtONDdEYi1TYjhic1g0elFtdzZiT1ZsNDBBakZKOEZYMkx0UURiNGpsdWl6b0NCdFlYQ1pLQmpyZWhkRkZ0cWduM0NCWDlZSVhvOGQtLTNLaDBjTTIwRkJJZS1hZmVXT1Rmdkd1V3VEWExZd1pva29tc2hBb18zZ3NTeW5BeWZncnFQeklNcEVHT0NjclJiWEhtWkJEeXhKeVJDZUR2Ym1Hb3NkRFBuOTRyMWg4cS1IODkw?oc=5) · Top Class Actions
- 2022-02-28 [SunTrust Bank Permanently Closed - Source of the Spring](https://news.google.com/rss/articles/CBMimgFBVV95cUxOU1cxeENGUUZHcVdDelVsWTVQY2RqeUtXMnJJcVpKY1BaWmtZUGx1UmlNN1dPNjZtbjlkTzYxc2JXejN2MFhyR3dIS0w3dUJxOTZtU1pTQzBBb2w3dmJXUE5qR29EMlAtSWd3RTlEWkU3MjYxaXJsMEx5SXV4bTVIeXloTHN4OFhOaWZVbkhEUjUzMWJheDNad3BR?oc=5) · Source of the Spring
- 2018-04-10 [New SunTrust Bank branch latest sign of strength of Upper West Side - SaportaReport](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNQk9nOGk0VXo4dXVKV1VnRW9KbHN4OVFKZ2JQQ24xYTNpb3h0dlhRYkJlbngzd3JkRDRvVHpVdlNBMTRpYzE2RnU1Z3FVbVgtOGdBU1dpbUkxWFFZLUVPS2JWWXV1WG90N3hJSjJFVGpxS2ZiRUowYWk3VUg1blJYcXhCNUxKclVCUGprazRlOGM4RWFTbU5FRGh5dm1NcWxzYUhaakNpaEdTdExjUHRMVGNOUkhEWXhh?oc=5) · SaportaReport
- 2019-12-09 [Sunset for a brand: SunTrust name will begin to disappear today - The Business Journals](https://news.google.com/rss/articles/CBMivAFBVV95cUxQR3ZRSDBnb1doUllDZzJfUkNmYWRleWN4Vl8yQW1mLUhvanVmSnZva01OTERHR0NVUm01NHlKNEFUOXl1dXhVRGVtY1hlUHlWQVVVQ1UyN0V1Y2ZfWEljQ2JpNkFnV003T1lZRlFSTUZRSjlLVHhQNGN5M1RRYmRmbEZ0MEtma2RSTHl4ZDEtTkt6NVYwa1JHSDZnV0xRN1huRHd6ak5HTlBod2tjV0hZc1ROUXFucTc2dlZIaw?oc=5) · The Business Journals
- 2012-12-12 [Robbery of SunTrust Bank in Gainesville - fbi.gov](https://news.google.com/rss/articles/CBMikAFBVV95cUxPbWg5ZmxmSktkclQzSWdDWEZnY25vVmx3amNvc2hJandmdUN6amxlbXlSckQ2N2FKd3oyWVE2eG0wTVVPSFY4WXVIMzZENXVXRmNxV1Q2bU5MY2RuUXJ1Q0JTcjhEN1ZQZ1VIWnI4RmtXbjBsVmRNSXItVXdRb0pONkRKMWQ2ajl0a09lMWEtNm4?oc=5) · fbi.gov
- 2021-06-14 [Mugshot makeover king pleads guilty in SunTrust bank robbery - WRBL](https://news.google.com/rss/articles/CBMimAFBVV95cUxOeS1zRm9jV1haUUlJLTB6bnlOTVY3cGlTWXJxeHFsdXNDSzFqWG1mLWFvaWhiUjVWaUxFR2RlVzlObXN0MnAyTU1lOUVGZkxlMXdpZGg0MUt1MEhUalFJR0c3bGdhMGdOMnlCbUdDVlcyLVl5c3J2X3RUdzRQRXhJZ01FVVRmLW1ENEZpWVYyVENGbjFQWnV3MNIBngFBVV95cUxQUTctV2pJNG4zRGxEWVM0RGZDUXFOMHhNZXUxM1F6UlRrLXJLa1NPZzhtMkFyMTd3S1JYYnRRMXNWV3ZyUXhIRGRXSDU5bUhhZ1RQRld5dU5fLThyOGhqTWxZNnhLNHlqc3hPdHBqVF9HTkdXa1FYNjJqV3YtWXNfMnRKMm1RZlU5MXpDR1phcEhtdVBKUmhPS00xTWt2Zw?oc=5) · WRBL

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=867 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "867", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide