TFCTruist Financial
Truist Financial Corporation is a purpose-driven financial services company committed to inspiring and building better lives and communities. 10-K, Item 1
- Headquarters
- Charlotte, NC
- CEO
- Michael P. Lyons
- Next results
- around Jan 20, 2027
Numbers that matter for banks, which general screens compare wrongly. Some come from the 10-K's XBRL. The rest are quoted from the company's own filings, because there is no standard tag for them: the sentence is the source.
Net interest margin
3.0% 10-K filed 2026-02-24What the bank earns on loans and securities minus what it pays on deposits, as % of earning assets.
“Net interest margin - TE was 3.03%, flat compared to the prior year.”
Read it in the filing ↗
Efficiency ratio
59.4% fiscal year to Dec 31, 2025Non-interest expense as % of revenue. Lower is leaner.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 66.6% | 60.9% | 93.3% | 90.4% | 59.4% |
XBRL: NoninterestExpense, 0000092230-26-000030; InterestIncomeExpenseNet, 0000092230-26-000030; NoninterestIncome, 0000092230-26-000030
Loans to deposits
80.8% fiscal year to Dec 31, 2025How much of its deposits the bank has lent out.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 68.4% | 77.8% | 77.6% | 77.2% | 80.8% |
XBRL: FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss, 0000092230-26-000129; Deposits, 0000092230-26-000030
Return on tangible common equity
10.3% fiscal year to Dec 31, 2025Net income over common equity without goodwill and intangibles (net income is before preferred dividends, so this runs a little high for banks with preferred stock).
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 13.1% | 15.9% | -3.4% | 9.6% | 10.3% |
XBRL: NetIncomeLossAvailableToCommonStockholdersBasic, 0000092230-26-000030; StockholdersEquity, 0000092230-26-000129; Goodwill, 0000092230-26-000129
Net interest income
$14.4B fiscal year to Dec 31, 2025Interest earned minus interest paid.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| $13.0B | $14.3B | $14.5B | $14.1B | $14.4B |
XBRL: InterestIncomeExpenseNet, 0000092230-26-000030
Work on TFC in a spreadsheet:
Excel workbook (a sheet per section, ten years by column, charts, links to the filings) ·
CSV.
For a Google Sheet that stays up to date, paste =IMPORTDATA("https://tickdelta.com/company/TFC/export.csv") into a cell.