{"schema_version":"secwatch.filing_event.v1","accession":"0000092230-23-000077","form_type":"8-K","ticker":"TFC","cik":"0000092230","company_name":"TRUIST FINANCIAL CORP","filed_at":"2023-10-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.418309+00:00","generated_at":"2026-06-09T21:34:15.010097+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Truist Q3 GAAP EPS $0.80, NIM up 4bps to 2.95%, CET1 rises to 9.9%","bullets":["GAAP net income $1.07B ($0.80 diluted EPS); adjusted PPNR $2.19B down 9.4% QoQ.","Net interest margin improved 4bps to 2.95% due to balance sheet optimization; NII down 1.6% QoQ.","Noninterest expense flat QoQ at $3.75B; adjusted expense down 0.5%, includes $70M in deposit fee protocol revision and legal settlements.","CET1 ratio increased 29bps to 9.9%; average deposits stable at $401B; loan book down 2.5% (student loan sale).","Provision for credit losses $497M, down $41M QoQ; NCO ratio 0.51% down 3bps; ALLL ratio up 6bps to 1.49%."],"urls":{"canonical":"https://secwatch.observer/filing/0000092230-23-000077","json":"https://secwatch.observer/filing/0000092230-23-000077.json","markdown":"https://secwatch.observer/filing/0000092230-23-000077.md","text":"https://secwatch.observer/filing/0000092230-23-000077.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/92230/000009223023000077/0000092230-23-000077-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/92230/000009223023000077/tfc-20231019.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T21:34:15.010097+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":"d8c2717c700bef4e0ece9a2edaeb1115cff210c0","claim":"TRUIST FINANCIAL CORP reported third quarter 2023 results: net income $1.1 billion, EPS $0.80 per share.","evidence_excerpt":"Truist reports third quarter 2023 results GAAP earnings of $1.1 billion, or $0.80 per share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/92230/000009223023000077/0000092230-23-000077-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter 2023"},{"label":"Net income","value":"$1.1 billion"},{"label":"EPS","value":"$0.80 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"}