{"schema_version":"secwatch.filing_event.v1","accession":"0000092230-23-000064","form_type":"8-K","ticker":"TFC","cik":"0000092230","company_name":"TRUIST FINANCIAL CORP","filed_at":"2023-07-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:37.041754+00:00","generated_at":"2026-06-13T06:08:24.725256+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Truist Q2 GAAP EPS $0.92; CET1 rises to 9.6%; NII down 6.1% QoQ; record insurance income","bullets":["Net income $1.2B ($0.92 diluted EPS); includes $41M after-tax merger-related charges.","CET1 ratio 9.6%, up 50bps from 1Q23, aided by TIH minority stake sale (+31bps).","Net interest income (TE) $3.68B, down 6.1% QoQ on higher funding costs; NIM 2.91% (-26bps).","Record insurance income $935M, up 15% QoQ and 13% YoY; total noninterest income $2.29B.","Net charge-off ratio 0.54% (incl 12bps from student loan sale); ALLL ratio 1.43% (+6bps)."],"urls":{"canonical":"https://secwatch.observer/filing/0000092230-23-000064","json":"https://secwatch.observer/filing/0000092230-23-000064.json","markdown":"https://secwatch.observer/filing/0000092230-23-000064.md","text":"https://secwatch.observer/filing/0000092230-23-000064.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/92230/000009223023000064/0000092230-23-000064-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/92230/000009223023000064/tfc-20230720.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T06:08:24.725256+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"3de2e1a7ffdf07e94232d7056a1b1b0db739d006","claim":"TRUIST FINANCIAL CORP reported second quarter 2023 results: net income $1.2 billion, EPS $0.92 per share.","evidence_excerpt":"Truist reports second quarter 2023 results GAAP earnings of $1.2 billion, or $0.92 per share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/92230/000009223023000064/0000092230-23-000064-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"second quarter 2023"},{"label":"Net income","value":"$1.2 billion"},{"label":"EPS","value":"$0.92 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}