BlastPoint's Banking Scorecard
Truist Bank
Titans
Specialty: Other
NC
FDIC cert 9846
Charlotte, NC
16
banks in Titans tier nationally
2 in NC
View Titans leaderboard (NC) →
Truist Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 23.77% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1% in Titans
- - Capital Thin: Bottom 33% in Titans
- - Credit Risk Growth: Bottom 33% in Titans
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$539.5B
+3.1% YoY
+0.7% QoQ
|
-$412.8B |
$952.4B
-3.6% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$325.3B
+7.5% YoY
+1.5% QoQ
|
-$93.2B |
$418.5B
-0.2% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$409.4B
+1.8% YoY
+1.3% QoQ
|
-$330.4B |
$739.8B
-3.8% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
1.04%
+7.5% YoY
-0.1% QoQ
|
-0.07% |
1.11%
+7.2% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
3.18%
-1.8% YoY
+0.6% QoQ
|
+0.71% |
2.47%
+1.2% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
54.45%
-1.3% YoY
+0.8% QoQ
|
-1.41% |
55.86%
+1.9% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? |
0.70%
+4.4% YoY
+3.4% QoQ
|
-0.17% |
0.86%
-12.4% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
79.45%
+5.5% YoY
+0.2% QoQ
|
+23.77% |
55.68%
+5.4% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.83%
-3.7% YoY
-2.2% QoQ
|
+11.03% |
14.80%
-14.8% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.42%
+5.8% YoY
+2.5% QoQ
|
-0.01% |
0.44%
-9.5% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
11.78%
-6.6% YoY
-1.1% QoQ
|
-3.74% |
15.52%
+8.4% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
Bottom 6% in tier |
| Non-Interest Income / Assets ? |
0.84%
+2.2% YoY
+33.2% QoQ
|
-0.42% |
1.25%
-5.5% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 6%
in Titans
Why this stands out
Current:
79.45%
(Tier avg: 55.68%, National avg: 78.04%)
Concerns (3)
Credit Quality Pressure
risk
#1 of 5 · Bottom 1% in Titans
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.70%
(Tier: 0.86%, National: 0.66%)
5 of 5 Titans banks match
·
961 nationally
→ Stable
+22 banks QoQ
Capital Thin
risk
#2 of 4 · Bottom 33% in Titans
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
11.78%
(Tier: 15.52%, National: 9.75%)
4 of 4 Titans banks match
·
505 nationally
→ Stable
+11 banks QoQ
Credit Risk Growth
risk
#2 of 4 · Bottom 33% in Titans
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
4 of 4 Titans banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Loan-to-Deposit Ratio
Current: 79.45% · Tier avg: 55.68%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 25.83% · Tier avg: 14.80%
81
81th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 2.47%
69
69th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.86%
56
56th pctile
Total Loans
Current: $325.3B · Tier avg: $418.5B
50
50th pctile
Total Assets
Current: $539.5B · Tier avg: $952.4B
50
50th pctile
Total Deposits
Current: $409.4B · Tier avg: $739.8B
50
50th pctile
Efficiency Ratio
Current: 54.45% · Tier avg: 55.86%
44
44th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.11%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.44%
31
31th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 1.25%
6
6th pctile
Tier 1 Capital Ratio
Current: 11.78% · Tier avg: 15.52%
Top Weaknesses
6
6th pctile
Tier 1 Capital Ratio
Current: 11.78% · Tier avg: 15.52%
31
31th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 1.25%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.44%
44
44th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.11%
50
50th pctile
Efficiency Ratio
Current: 54.45% · Tier avg: 55.86%
50
50th pctile
Total Deposits
Current: $409.4B · Tier avg: $739.8B
50
50th pctile
Total Assets
Current: $539.5B · Tier avg: $952.4B
56
56th pctile
Total Loans
Current: $325.3B · Tier avg: $418.5B
69
69th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.86%
81
81th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 2.47%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 25.83% · Tier avg: 14.80%
94
94th pctile
Loan-to-Deposit Ratio
Current: 79.45% · Tier avg: 55.68%