{"schema_version":"secwatch.filing_event.v1","accession":"0000092230-25-000118","form_type":"8-K","ticker":"TFC","cik":"0000092230","company_name":"TRUIST FINANCIAL CORP","filed_at":"2025-07-18T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.712935+00:00","generated_at":"2026-05-18T05:53:32.057743+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Truist Q2 2025 net income $1.2B, EPS $0.90; CET1 11.0%, $750M buyback","bullets":["Net income available to common shareholders $1.18B, diluted EPS $0.90; adjusted diluted EPS $0.91.","Average loans grew 2.0% ($6.2B) QoQ; deposits up 2.1% ($8.3B).","CET1 ratio 11.0% (down 30bps QoQ); repurchased $750M common shares, total payout ratio 121%.","Nonperforming loans decreased to 0.39% of loans (down 9bps); NCO ratio 0.51% (down 9bps QoQ).","Net interest income (TE) up 2.3% QoQ to $3.64B; NIM stable at 3.02%."],"urls":{"canonical":"https://secwatch.observer/filing/0000092230-25-000118","json":"https://secwatch.observer/filing/0000092230-25-000118.json","markdown":"https://secwatch.observer/filing/0000092230-25-000118.md","text":"https://secwatch.observer/filing/0000092230-25-000118.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/92230/000009223025000118/0000092230-25-000118-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/92230/000009223025000118/tfc-20250718.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T05:53:32.057743+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"}