{"schema_version":"secwatch.filing_event.v1","accession":"0000092230-25-000031","form_type":"8-K","ticker":"TFC","cik":"0000092230","company_name":"TRUIST FINANCIAL CORP","filed_at":"2025-04-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.833290+00:00","generated_at":"2026-05-23T12:53:17.531563+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Truist Q1 net income $1.2B, EPS $0.87; avg loans up 1.1%, deposits up 0.6%","bullets":["Net income available to common shareholders $1.16B, diluted EPS $0.87; adjusted EPS also $0.87.","Total TE revenue $4.95B, down 3.2% QoQ; net interest income $3.56B, down 2.4%.","Noninterest expense down 4.3% to $2.91B; adjusted expense down 5.4% reflecting cost discipline.","CET1 ratio 11.3%; repurchased $500M common shares; dividend $0.52/share per quarter.","NCO ratio 0.60%; ALLL ratio 1.58%; net charge-offs $454M vs provision $458M."],"urls":{"canonical":"https://secwatch.observer/filing/0000092230-25-000031","json":"https://secwatch.observer/filing/0000092230-25-000031.json","markdown":"https://secwatch.observer/filing/0000092230-25-000031.md","text":"https://secwatch.observer/filing/0000092230-25-000031.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/92230/000009223025000031/0000092230-25-000031-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/92230/000009223025000031/tfc-20250417.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T12:53:17.531563+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}