B
Truist Bank
Charlotte, NC
Data as of
June 30, 2021
Risk Based
Capital Ratio
12.99
Leverage
Ratio
8.52
Return On
Assets
1.08%
Total
Assets
510.29B
Capital
64.29B
Total
Deposits
412.69B
Net
Income
2.71B
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Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10). Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 13.0 and a capital leverage ratio of 8.5.
Other Rating Factors: Good liquidity 6.1, driven by a liquidity ratio of 33.5 percent and a “hot money” ratio of 1.7 percent. A current level of 3.7 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Good asset quality (5.6).
Asset Mix: Securities (27%), comm loans (13%), consumer loans (11%), home mtgs (9%), comm re (8%), cash (5%), home eq lns (2%), other (24%)
States with Branches: AL, AR, DC, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV
Asset Quality
Non-Performing Loans to Capital
3.69%
Non-Performing Assets to Assets
0.40%
Non-Performing Loans to Loans
0.69%
Loan Loss Reserves to Loans
1.49%
Charge-Offs to Average Loans
0.19%
5-Year Charge-Offs to Average Loans
0.21%
5-Year Asset Growth
28.65%
1-Year Asset Growth
3.30%
Profitability
Operating Profit to Average Assets
1.34%
Return on Equity
8.41%
Net Interest Spread
2.82%
5-Year ROAA (Return on Average Assets)
1.20%
Overhead Efficiency Ratio
71.10%
Liquidity
Liquidity Ratio
33.51%
Hot Money
1.71%
Corporate Info
Group Affiliation
Truist Financial Corporation
Investment Rating
Address
214 North Tryon Street
Charlotte, NC 28202
Phone Number
(336) 733-2000
Year Founded
1872
FDIC Number
Largest Affiliates
No affiliate information available.
Weiss Ratings