# TRUIST BANK
CHARLOTTE, NC · FDIC certificate 9846 · asset band >$100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. 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 | $548.35B | |
| Deposits | $419.21B | |
| Loans and leases | $332.16B | |
| Total equity | $62.97B | |
| Loans / deposits | 78.04% (p66 of band) | 72.53% |
| Liquid assets / assets | 28.24% (p41 of band) | |
| Uninsured deposits / deposits | 44.91% (p62 of band) | 42.66% |
| Brokered deposits | 4.89% | |
| Wholesale funding | 13.94% (p72 of band) | |
| FHLB advances / assets | 5.05% | |
| Tier 1 leverage | 9.82% (p69 of band) | 9.44% |
| Unrealized securities loss / equity | -20.89% (p19 of band) | -9.97% |
| AOCI / equity | -1.50% (p9 of band) | |
| ROA (annualized) | 1.16% (p50 of band) | 1.18% |
| Net interest margin | 3.14% (p50 of band) | 3.14% |
| Efficiency ratio | 52.99% (p34 of band) | |
| Noncurrent loans | 0.72% (p38 of band) | 0.85% |
| Net charge-offs (annualized) | 0.33% (p81 of band) | |
| Reserve coverage of noncurrent | 208.36% | |
| Real estate % of loans | 36% | |
| Construction % of loans | 12.08% (p69 of band) | |
| Auto loans | $27.03B (8.14% of loans; DQ 4.21%, NCO 0.11%) | |
| Loans to nondepository financials | $41.49B (66% of equity) (p69 of band) | |
| Deposits YoY | 0.4% | |
| Employees | 35808 | |

## Flags firing in the latest filing

- **loans-to-lenders >50% equity** (`conc_warehouse`)

## 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 | 2 | capital falling |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | uninsured deposits >50% |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 | uninsured deposits leaving | uninsured deposits >50% |
| 2014-06 | 2 | capital falling | uninsured deposits leaving |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 2 | uninsured deposits leaving |  |
| 2015-03 | 1 |  | uninsured deposits leaving |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | expense ratio p90 | reserve under noncurrent |
| 2017-06 | 0 |  | expense ratio p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | securities losses >30% of equity | capital falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | wholesale funding >15%, deposits shrinking |  |
| 2023-06 | 1 |  | wholesale funding >15%, deposits shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | losing money |  |
| 2024-03 | 2 | assets shrinking | losing money |
| 2024-06 | 2 | deposits shrinking | securities losses >30% of equity |
| 2024-09 | 0 |  | assets shrinking, deposits shrinking |
| 2024-12 | 1 | loans-to-lenders >50% equity |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | wholesale funding >15% |  |
| 2025-12 | 1 |  | capital falling, wholesale funding >15% |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-08-25 [Truist doubles down on wealth-transfer opportunity - Banking Dive](https://news.google.com/rss/articles/CBMiowFBVV95cUxQYWFaNTBsS1hLTG96c0V2LWhtS044aGxIeEFRemtRRDI5a2dyZ0VpUDhMQ29Senk0c2VhdC1DUTcySWxfay1xUlBZcXpFdDNNeGk2M0JUUHVkQV83NjdlUEFDN042TThHYkJHREtWbWU5aldxYTVlUzBza2ZmMnVKZkZPMVVGa3ZxUDdhNVdvWng2S1NvQWZoazhFNlUwVWxDTDJz?oc=5) · Banking Dive
- 2026-06-08 [Truist names Lindsey Stampone as regional president for Pennsylvania and New Jersey - Truist Newsroom](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOa3dhTWI2NWJ1aUVRbm5QVUo3VzlGWVFFZ2s3STlnM0J2aUdGMXZxR0ZLNjZYSmt1dEoyZDI5NGNsRkNQT3JuQjF5bUd1WTdIcEhOOEtyUkFDdlQ2WGhQTTVrdDZIeEJ2d25pSHFObFRSRGVOTlFUaGFBZVRuWkFqQkxST3hUdlhnSHlRRHpQLVJKN2I0NVVxb0dLNUNVdkJKRkkwR3JPYTl0dDhzN19LOEZPWTBaOWg5Nklv?oc=5) · Truist Newsroom
- 2026-06-15 [Truist announces Michael P. Lyons as incoming CEO - PR Newswire](https://news.google.com/rss/articles/CBMipwFBVV95cUxNX2RZWmJkcUp6Q1RlWjhYU1gtNVRGRmxxTno4TlB3RGtFQWstSGZTcmdLVGxfQmlRM29pUkFhMEwzbE9NaEZCN05vbXc2R2U2dUxjS2hrRklPcGFNTllJMmpLMExRZzhwRVV5WlhTejFkYU9tYjFfXzI1REhQb3pRR1FKS1hxdy1POTByV1p2ekwyOGRSLWw5LXYxTk5EVEw2SXhyeGZaSQ?oc=5) · PR Newswire
- 2025-12-20 [Truist Bank near me: Find branches and ATMs close by - Bankrate](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1sdmdETTlZWG5SdzBGWkZGREVUVFpRV3lCTHhnWUkzX1JCdlRtSUM1TTFqY3Y2U2g3TGhGUUxxcXpaT2plZ2Fyb1dJNndSMzZkVmpWdDdmMURDYnROOHhDbmphcw?oc=5) · Bankrate
- 2025-11-20 [Truist Bank review: How to quickly decide if this full-service bank is right for your goals - Fortune](https://news.google.com/rss/articles/CBMiW0FVX3lxTE1MZi1JTmxxT2dObWVPSzRueU1HZXV5ajVKYi0zcEh2SmlKVG8zTk5lZy10cVJsNmtEbUtxcVVPaHFGd3F4Y3BMd1pKZXN4NlNZM2h0ZEtSZU00ZkE?oc=5) · Fortune
- 2026-09-01 [The 6 States Where Truist Bank Has Closed the Most Branches - FinanceBuzz](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBjaTVrbXN3UWZ6Umw0RFlhOG5qR2gyejZFeFU3Wm84a05LYWNDNERzdTFiQUNpdEt2ZE1qejFwbHl1ejg3Y20ycGtyM0hTT19mYkRIdGZtSHhXZm5oc0lGYQ?oc=5) · FinanceBuzz
- 2026-05-14 [Truist to close 15 branches across eight states despite plans to open 100 new locations - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNWUFRd2ZtZHA1b1BGSERiTDNPZ3ZiWTh4VkhGN1hCWjU5MFRsYlZtcWFtd1FoTU1aVWdIekJvNTBhX1hvcWE0VnpSVkR5OVZad0h0WEJpU1BVMlVrcGR1LXZFQUFxR0lfUFlHUTRTeXJKVkVjekpQTTRUQ21ldkIyZ0VITDJ4MThsV3o4a19Oa0kyRmpDUkpsSUZ4ZHlUMEUwcGlJWGhJdw?oc=5) · The Business Journals
- 2026-04-15 [Suspect accused of impersonating Truist Bank customer, withdrawing $25,000 from victim’s account at three Greensboro branches - wfmynews2.com](https://news.google.com/rss/articles/CBMirwJBVV95cUxQZmNvdEtCTi1USjcwWXVWbXp2MkFrNTNJX1BjLUs3MnNzUndOLW1qX3MyMEFNRlRyUGs0STFmdEpLRVZ5M0FBS2Z0N2Ixcl9EUEZHNTlpemRCQzd2MWpubjlYMzdNelBKSFc4Mk5ONk5pczJXenBuTHd5aUtsWG1iamM1NnBuOTVhTVZFWDI3V0MzbEk3UHdjemtOU1R4MjZ5bnVBcnJTX3dVMFRRWk1NdHJST3FmRGRiOFJsOHFuUG9oLS1wbkRNdU96bzNCRHM2Uk51cURZckhTcnhiYXphTktRaEYzUVE4ajFDcHhzb21yR2hnNkVtS0JVaTVWX2dDSEtnTkJTRXJ2cTRwVE1LR2lLMWJYalpiMnNRUklTbEJTdE5rVDU5cDdCOHdPdUk?oc=5) · wfmynews2.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9846 (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/54.json (key "9846", 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