FDIC Cert #9846 · Charlotte, North Carolina · Est. 1872

Truist Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$539.5B
Total assets
A
Health grade · Excellent
1.04%
Return on assets
11.8%
Tier 1 capital

Data updated July 2026

The verdict

Truist Bank earns a PlainBankData health grade of A (80/100), with well-capitalized at 11.78% Tier 1, profitable at 1.04% ROA, efficient (54% cost ratio).

#9
largest of 4,313 FDIC banks by assets
100th
percentile by asset size, nationally
11.78%
Tier 1 ratio - above the 10% well-capitalized line
46th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 9846 · NC A · 80/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MEGA · BOOK-FULL

  • GRADE-A A (80/100)
  • MID-PACK #1905/4307
  • PHOTO-FINISH Anderson Brothers Bank · SC
  • TIER1-WELL 11.8% Tier 1
  • TEXAS-CLEAN 3.3% Texas
  • ROA-PAR 1.04% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Carolina: Anderson Brothers Bank, SC (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Truist Bank

Lowest and highest poles plus nearest scored peers outside North Carolina, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Anderson Brothers Bank · SC …80/100First Security Bank · MN · n…80/100Rivers Edge Bank · SD · near80/100Truist Bank · NC · this bank80/100Woodford State Bank · WI · n…80/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Truist Bank · July 2026

What Truist Bank's Call Report plate shows

Truist Bank (FDIC Cert #9846) carries a PlainBankData health grade of A at 80/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,905 of 4,307. Tier 1 capital prints at 11.78%, clearing the 10% well-capitalized line. The Texas Ratio is 3.31%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.04%. Balance-sheet scale is $539.5B, 9th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Anderson Brothers Bank (SC), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Truist Bank

7 FAILURE resolutions in North Carolina since 2000 (7 since 2008)

Truist Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Truist Bank remains an active FDIC-insured reporter.

  • PISGAH COMMUNITY BANK ASHEVILLE, NC 2013 → CAPITAL BANK, NATIONAL ASSOCIATION
  • PARKWAY BANK LENOIR, NC 2013 → CERTUSBANK, NATIONAL ASSOCIATION
  • WACCAMAW BANK WHITEVILLE, NC 2012 → FIRST COMMUNITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and North Carolina banks.

How Truist Bank's 80/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10080/100
Truist Bank's composite health score
Tier 1 Capital Ratio (11.78%) 28/40
Return on Assets (ROA) (1.04%) 20/25
Texas Ratio (3.31%) 20/20
Efficiency Ratio (54.45%) 12/15

80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$539.5B

Total balance-sheet footings

Total Deposits

$409.4B

Customer-funded liabilities

Net Loans

$325.3B

Outstanding loan book

Net Income

$5.5B

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.38% 11.78% 13.18%
Basel III capital ratios - Truist Bank

Where Truist Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Truist Bank's score of 80/100 falls in the highlighted band.

Truist Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

80 Top 44% higher than 56% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Truist Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Truist Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Truist Bank's $539.5B falls in the highlighted band.

Safety ratios for Truist Bank

Tier 1 capital ratio
Well-capitalized 10%

11.78% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.78%
Texas Ratio
3.31%
Equity Capital
$63.2B

What these ratios mean →

Earnings posture at Truist Bank

Return on Assets (ROA)
46th percentile nationally
1.04%
Return on Equity (ROE)
8.93%
Efficiency Ratio
54.45%

What these mean →

Income & expense at Truist Bank

$24.3B
Interest Income
$4.5B
Non-Interest Income
$10.8B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Truist Bank reports a Texas Ratio of 3.31% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.31% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Truist Bank on FDIC BankFind →

Top banks in North Carolina by total assets

Largest banks headquartered in North Carolina
  1. 1
    Bank of America $2.64T

    Charlotte, NC · Grade A

  2. 2
    Truist Bank $539.5B

    Charlotte, NC · Grade A

  3. 3
    First-Citizens Bank & Trust Company $229.3B

    Raleigh, NC · Grade B

  4. 4
    Live Oak Banking Company $15.1B

    Wilmington, NC · Grade C

  5. 5
    First Bank $12.7B

    Southern Pines, NC · Grade A

Top 5 banks in North Carolina ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Truist Bank by assets

Truist Bank is closely matched in total assets by PNC Bank, Goldman Sachs Bank USA, Capital One, U.S. Bank across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.10%, versus Truist Bank's own 1.04%; the average efficiency ratio is 55.78%, versus 54.45% here; and average Tier 1 capital sits at 14.44%, versus 11.78% at Truist Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $539.5B in assets, Truist Bank sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to Truist Bank nationally by total assets
  1. 1
    PNC Bank $568.3B

    Wilmington, DE · Grade A

  2. 2
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  3. 3
    Capital One $658.5B

    Mclean, VA · Grade B

  4. 4
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  5. 5
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  6. 6
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Truist Bank (this bank) NC $539.5B 1.04% 54.45% 11.78%
PNC Bank, National Association DE $568.3B 1.30% 57.53% 11.91%
Goldman Sachs Bank USA NY $645.0B 1.42% 39.21% 15.63%
Capital One, National Association VA $658.5B 0.55% 52.98% 13.44%
U.S. Bank National Association OH $676.1B 1.18% 55.44% 13.02%
The Bank of New York Mellon NY $381.0B 1.31% 60.76% 16.33%
State Street Bank and Trust Company MA $360.7B 0.83% 68.78% 16.27%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($539.5B here), outside North Carolina so the neighborhood is not state containment.

PNC Bank $568.3B · DE Goldman Sachs Bank USA $645.0B · NY Capital One $658.5B · VA U.S. Bank $676.1B · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Truist Bank (FDIC Cert #9846) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Truist Bank Call Report profile · FDIC Failed Bank List · North Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Carolina

All North Carolina banks →
BankAssetsGradeROA
Bank of America, National AssociationCharlotte $2.64T A 1.15%
First-Citizens Bank & Trust CompanyRaleigh $229.3B B 1.00%
Live Oak Banking CompanyWilmington $15.1B C 0.82%
First BankSouthern Pines $12.7B A 0.94%
Southern Bank and Trust CompanyMount Olive $5.2B A 1.19%
HomeTrust BankAsheville $4.5B A 1.43%
The Fidelity BankFuquay Varina $4.4B A 1.74%
First Carolina BankRocky Mount $3.3B C 0.51%