Truist Financial reported solid fourth quarter 2025 results, characterized by growth in net interest income and loan portfolios, alongside efforts to enhance operational efficiency and return capital to shareholders.
Net interest income - TE increased 1.9% to $3.75 billion compared to the prior quarter, driven by loan and client deposit growth and fixed rate asset repricing.
positiveAverage loans and leases HFI increased $4.3 billion, or 1.3%, to $324.8 billion, reflecting continued broad-based loan growth.
positiveTotal revenue - TE was up 1.1% to $5.30 billion compared to the prior quarter.
positiveCapital levels remained strong with a CET1 ratio of 10.8%.
positiveNet charge-off ratio of 0.57% was up nine basis points compared to the prior quarter, primarily due to higher net charge-offs in several portfolios.
attentionNoninterest expense was up $156 million, or 5.2%, compared to the prior quarter, primarily due to an incremental legal accrual and higher personnel expense.
attentionAverage deposits were flat compared to the prior quarter, with a decrease in noninterest-bearing deposits.
attentionLoans 90 days or more past due and still accruing increased three basis points as a percentage of loans and leases compared to the prior quarter.
attentionMargin metrics will be available once backend extracts data from insights_json
Special items are non-recurring events that may distort period-over-period comparisons. Analysts typically adjust for these when calculating normalized earnings.
Delivered strong, purpose-driven performance in 2025 by deepening client relationships, enhancing operational efficiency, investing in talented teammates and innovative technology, and increasing capital return to shareholders.
Strengthened foundation and positioned Truist for sustainable growth through disciplined risk management and sound governance.
Focus in 2026 will be on enhancing the execution of top growth initiatives.
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Operational metrics provide insight into business drivers and customer engagement beyond traditional financial measures.