---
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"
generated_at: "2026-05-18T05:53:32.057743+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Truist Q2 2025 net income $1.2B, EPS $0.90; CET1 11.0%, $750M buyback

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000092230-25-000118
- JSON: https://secwatch.observer/filing/0000092230-25-000118.json
- Plain text: https://secwatch.observer/filing/0000092230-25-000118.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.