BlastPoint's Banking Scorecard

Truist Bank

$250B+ Specialty: Other NC FDIC cert 9846

Charlotte, NC

1,931 branches across FL · NC · VA · GA · MD · PA · TN · TX · SC · KY · AL · WV · NJ · DC · AR · IN · MS · OH

16 banks in the $250B+ peer group nationally 2 in NC

Truist Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.10% above tier average
+ Efficiency Ratio 3.92% below tier average
+ Delinquency Rate 0.16% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 0.1% in tier
- Capital Thin: Bottom 25.0% in tier
- Credit Quality Pressure: Bottom 33.3% in tier

Get updates when Truist Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Total Assets ?	$541.2B +2.6% YoY +0.3% QoQ	-$465.9B	$1,007.1B -0.5% YoY	$92.4B +2.4% YoY	$6.2B +9.1% YoY	50%
Total Loans ?	$326.2B +7.1% YoY +0.3% QoQ	-$109.9B	$436.2B +3.5% YoY	$45.0B +8.2% YoY	$3.2B +10.8% YoY	56%
Total Deposits ?	$413.6B -0.1% YoY +1.0% QoQ	-$353.5B	$767.0B -1.7% YoY	$72.8B +2.6% YoY	$4.8B +8.2% YoY	44%
Return on Assets ?	1.16% +16.1% YoY +11.9% QoQ	+0.02%	1.15% +9.3% YoY	0.99% +29.5% YoY	1.23% +13.4% YoY	56%
Net Interest Margin ?	3.15% +0.6% YoY -0.9% QoQ	+0.10%	3.05% +6.7% YoY	3.42% +5.0% YoY	3.89% +5.7% YoY	69%
Efficiency Ratio ?	51.97% -3.9% YoY -4.6% QoQ	-3.92%	55.89% +3.9% YoY	69.88% -8.6% YoY	66.95% -4.1% YoY	75%
Delinquency Rate ?	0.76% +6.2% YoY +9.4% QoQ	-0.16%	0.92% -4.7% YoY	0.64% +21.6% YoY	0.95% +18.8% YoY	75%
Loan-to-Deposit Ratio ?	78.88% +7.1% YoY -0.7% QoQ	+20.24%	58.65% +11.5% YoY	79.67% +1.0% YoY	76.70% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	25.64% -2.6% YoY -0.8% QoQ	+7.04%	18.60% +9.6% YoY	18.50% +0.3% YoY	22.01% -1.2% YoY	75%
Nonperforming Asset Ratio ?	0.46% +8.4% YoY +8.8% QoQ	-0.02%	0.48% +3.7% YoY	0.45% +20.5% YoY	0.67% +19.3% YoY	56%
Tier 1 Capital Ratio ?	11.93% -3.1% YoY +1.3% QoQ	-2.07%	14.00% -15.5% YoY	20.13% +3.0% YoY	17.06% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.22% +7.0% YoY -74.0% QoQ	-0.13%	0.35% -0.9% YoY	0.21% +7.3% YoY	0.32% +4.1% YoY	25%

Get Full Access to Truist Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk

#1 of 5 • Bottom 0.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

5 of 5 Titans banks match · 1464 nationally

→ Stable -10 banks QoQ

Capital Thin

risk

#2 of 4 • Bottom 25.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.93%

(Tier: 14.00%, National: 17.06%)

worse than tier avg

4 of 4 Titans banks match · 926 nationally

→ Stable +3 banks QoQ

Credit Quality Pressure

risk

#3 of 6 • Bottom 33.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.76%

(Tier: 0.92%, National: 0.95%)

better than tier avg

6 of 6 Titans banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 16 peers in $250B+

Top Strengths (3 metrics)

Efficiency Ratio

profitability

Value: 51.97%

Peer Median: 55.89%

#5 of 16 Top 25.0% in $250B+

Delinquency Rate

credit_quality

Value: 0.76%

Peer Median: 0.92%

#5 of 16 Top 25.0% in $250B+

Non-Interest-Bearing Deposit Share

funding

Value: 25.64%

Peer Median: 18.60%

#5 of 16 Top 25.0% in $250B+

Top Weaknesses (3 metrics)

Tier 1 Capital Ratio

capital

Value: 11.93%

Peer Median: 14.00%

#14 of 16 Bottom 18.8% in $250B+

Loan-to-Deposit Ratio

liquidity

Value: 78.88%

Peer Median: 58.65%

#14 of 16 Bottom 18.8% in $250B+

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.35%

#13 of 16 Bottom 25.0% in $250B+