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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · North Carolina, the state note

Truist Bank

Charlotte, North Carolina · $548.35B in assets · beside the 11 other the Southeast banks over $10B (the state alone holds too few in the band to rank)

The filing

79.2%
Loans / deposits
2nd of 12
10.0%
CRE / loans
3rd of 12
56.8%
CRE / capital
3rd of 12

Truist Bank is the second largest of the 12 the Southeast banks nearest its size over $10B, with $548.35B in assets at 30 June 2026. Loans are 79.2% of deposits, 2nd of 12 against a median of 89.5%, and equity is 11.5% of assets, 6th of 12. Loans grew +3.9% in the year, 9th of 12, and deposits grew 0.4%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 0.72% of the book, 6th of 12 against a median of 0.76%; 0.53% is 30 to 89 days past due, and the allowance covers them 2.1 times. Net charge-offs are 0.54% of loans, 11th of 12. Commercial real estate is 10.0% of loans, 3rd of 12 against a median of 24.7%, and 57% of capital, below the 300% screen, with construction at 13% against the 100% screen.

Return on assets is 1.15%, 8th of 12 against a median of 1.31%, on an efficiency ratio of 54.2%, 8th of 12. Five years ago it was 1.07%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsSoutheast banks over $10B · 30 June 2026 · lower is stronger, listed first
median 89.5% HB HSBC Bank USA National Association 39.2% TB Truist Bank 79.2% BN Bankunited National Association 82.3% UC United Community Bank 83.0% FB First-citizens Bank & Trust Co. 86.9% CO Capital One National Association 89.2% RJ Raymond James Bank 89.8% SB Southstate Bank N.A. 90.9% UB United Bank 91.6% CN City National Bank of Florida 93.2% AU Atlantic Union Bank 93.8% EN Everbank National Association 98.0%
Loans, year over yearSoutheast banks over $10B · 30 June 2026 · no better direction, largest first
median +5.2% EN Everbank National Association +12.3% SB Southstate Bank N.A. +7.7% CN City National Bank of Florida +7.7% RJ Raymond James Bank +7.5% FB First-citizens Bank & Trust Co. +6.8% UC United Community Bank +5.4% AU Atlantic Union Bank +4.9% UB United Bank +3.9% TB Truist Bank +3.9% CO Capital One National Association +2.2% BN Bankunited National Association -0.1% HB HSBC Bank USA National Association -4.5%

SBA 7(a), FY2008 to FY2026

Truist Bank is the 2nd largest 7(a) lender into Florida of 528, with $1.31B across 2,609 loans, 4.5% of everything approved in the state (Live Oak Banking Company leads with $1.78B). 507 of its 646 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Florida, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Broward, FL$184M2nd of 2096.1%-2.0 pts
Palm Beach, FL$178M2nd of 1957.2%-4.1 pts
Miami-Dade, FL$174M4th of 2154.4%-1.6 pts
Fulton, GA$134M5th of 2114.2%-0.2 pts
Wake, NC$105M4th of 1816.1%-0.2 pts
Orange, FL$104M2nd of 2015.1%-0.7 pts
Hillsborough, FL$93M4th of 1954.2%-0.2 pts
Fairfax, VA$78M4th of 1696.4%-4.7 pts
Baltimore, MD$77M2nd of 1309.8%-9.8 pts
Gwinnett, GA$74M5th of 1693.2%-1.3 pts
Cobb, GA$68M6th of 1824.0%-1.1 pts
Montgomery, MD$68M3rd of 1447.7%quiet FY2022
Mecklenburg, NC$67M8th of 1773.3%-0.9 pts
633 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services1,331$566M12.4%0.74%33rd of 2,596
Wholesale trade725$564M12.3%2.20%6th of 1,651
Professional & technical services1,486$560M12.2%1.73%8th of 1,955
Health care & social assistance1,320$504M11.0%1.06%17th of 2,172
Retail trade1,456$486M10.6%0.80%22nd of 2,589
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and Truist Bank
LO Live Oak Banking Company 6.1% $1.78B · 1,383 loans TB Truist Bank 4.5% $1.31B · 2,609 loans WF Wells Fargo Bank National Associa… 4.3% $1.25B · 5,346 loans TB TD Bank, National Association 3.5% $1.03B · 6,653 loans TH The Huntington National Bank 3.3% $954M · 2,284 loans NB Newtek Bank, National Association 2.6% $757M · 1,920 loans NS Newtek Small Business Finance, In… 2.5% $728M · 1,047 loans SB Southstate Bank, National Associa… 2.4% $700M · 1,040 loans RL Readycap Lending, LLC 2.1% $615M · 1,593 loans PB Pinnacle Bank 2.1% $609M · 729 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Truist BankRankCohort median
Total CRE against capital, the 300% screen57%3rd of 12181%
Construction against capital, the 100% screen13%5th of 1224%
Construction and land development, share of loans2.3%5th of 123.7%
Non-owner-occupied nonfarm nonresidential, share of loans5.1%3rd of 1213.8%
Total CRE, the guidance definition, share of loans10.0%3rd of 1224.7%
CRE growth over 36 months, the third prong-1.1%3rd of 12+19.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Capital One National Association$662.16B1.6%53.7%1.49%3.27%5.0%89.2%14.9%
Truist Bank$548.35B1.2%54.2%0.72%0.54%1.5%79.2%11.5%
First-citizens Bank & Trust Co.$236.32B1.0%65.6%1.12%0.29%1.0%86.9%9.8%
HSBC Bank USA National Association$173.10B1.0%55.4%1.45%0.16%0.6%39.2%9.6%
Southstate Bank N.A.$68.79B1.4%52.7%0.54%0.07%1.1%90.9%14.1%
Everbank National Association$46.69B1.0%51.8%1.42%0.02%0.8%98.0%9.2%
Raymond James Bank$45.60B1.7%35.4%0.28%0.04%0.9%89.8%7.3%
Atlantic Union Bank$38.02B1.6%50.4%0.50%0.02%1.0%93.8%15.2%
Bankunited National Association$34.86B0.9%57.7%1.69%0.36%0.9%82.3%9.1%
United Bank$33.64B1.5%46.3%0.44%0.09%1.2%91.6%16.7%
City National Bank of Florida$29.11B1.2%45.1%0.81%0.09%1.1%93.2%10.6%
United Community Bank$28.99B1.4%57.0%0.51%0.18%0.8%83.0%11.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Truist BankCohort median
20212026Change20212026Change
Loans$285.14B$332.16B+16%$24.21B$37.12B+53%
Deposits$412.69B$419.21B+2%$29.72B$39.60B+33%
NPA / loans1.10%0.72%-0.38 pts0.65%0.76%+0.12 pts
Efficiency71.1%54.2%-16.9 pts64.1%53.2%-10.9 pts
ROA1.07%1.15%+0.09 pts1.22%1.31%+0.08 pts

This read was prepared for Truist Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Truist Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Southeast banks over $10B
Institution www.Truist.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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