Data source: CET1 ratio sourced from FDIC Call Reports (bank-subsidiary level). Published figures from investor relations may differ by 1–2pp as those reflect the bank holding company level. For precise regulatory CET1 figures, refer to each bank's quarterly earnings release.
Truist Financial
TFCCET1 Ratio
Common Equity Tier 1 / RWA
Risk-Weighted Assets
-0.32% QoQ growth
Total Loan Book
+7.1% YoY growth
Leverage Ratio
Tier 1 / Average assets
CET1 Ratio Trend
8 quarters · regulatory minimum 8% · scoring threshold 12%
RWA Growth
Bars = total ($B) · Line = QoQ growth %
Loan Book Composition
Latest quarter · 2026-Q1
Metric History
12 quarters · FDIC Call Report data
| Quarter | CET1 % | Leverage % | RWA | Loan Book | Loans YoY | RWA QoQ | CRE % | Consumer % | SME % | SRT Score |
|---|---|---|---|---|---|---|---|---|---|---|
| 2026-Q1latest | 11.93% | 9.89% | $433.6B | $326.2B | +7.1% | -0.32% | 36.5% | 17.4% | 23.6% | 26 |
| 2025-Q4 | 11.78% | 9.83% | $435.0B | $325.3B | +7.5% | +1.36% | 36.8% | 17.8% | 23.5% | — |
| 2025-Q3 | 11.91% | 9.80% | $429.1B | $320.5B | +7.0% | +0.70% | 37.2% | 17.9% | 23.1% | — |
| 2025-Q2 | 11.91% | 9.81% | $426.1B | $314.9B | +4.2% | +3.04% | 37.4% | 17.6% | 23.9% | — |
| 2025-Q1 | 12.31% | 9.94% | $413.6B | $304.7B | +0.3% | +1.42% | 38.0% | 17.4% | 23.8% | — |
| 2024-Q4 | 12.61% | 10.13% | $407.8B | $302.7B | -1.9% | +0.89% | 38.6% | 17.3% | 23.2% | — |
| 2024-Q3 | 13.05% | 10.55% | $404.2B | $299.4B | -4.1% | +0.51% | 38.5% | 18.1% | 25.1% | — |
| 2024-Q2 | 13.11% | 10.31% | $402.1B | $302.3B | -5.3% | -2.42% | 38.8% | 17.6% | 25.8% | — |
| 2024-Q1 | 11.74% | 9.41% | $412.1B | $303.6B | — | -0.69% | 39.1% | 17.3% | 27.5% | — |
| 2023-Q4 | 11.66% | 9.22% | $414.9B | $308.4B | — | -1.29% | 38.7% | 17.5% | 27.7% | — |
| 2023-Q3 | 11.62% | 9.28% | $420.4B | $312.3B | — | -1.64% | 38.6% | 17.8% | 27.2% | — |
| 2023-Q2 | 11.19% | 8.82% | $427.4B | $319.2B | — | — | 38.1% | 17.8% | 27.4% | — |
Latest Earnings Signals
From 2026-04-17 SEC 8-K earnings release · composite 1/4
“With continued execution against our strategic priorities, we are establishing a long-term ROTCE target of 16% to 18%. This reflects both the progress we've made thus far and our confidence in the durability and scalability of our strategy.”
AI Investment Memo
Llama will analyze Truist Financial across 4 data dimensions and write a structured memo
Click Generate Analysis to create an investment memo
Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks
Score Breakdown
Live score · base 24 pts +2 macro adj
CET1 11.93% — below active SRT zone
0.07pp headroom above 8% regulatory floor
CET1 stable or improving (11.78% → 11.93%)
Leverage ratio 9.89% — adequate headroom
Loan book grew 7.1% YoY
RWA grew -0.3% QoQ
CRE: 36.45135681072084%, Lev.Loans: 0%, max(Consumer/SME): 23.607556330710544%
No prior SRT deals on record
Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts
$500B–$1.25T total assets — active repeat issuers, genuine sourcing targets
Sentiment +6/20 · global +2 pts