Truist reported a net income available to common shareholders of $1.3 billion, or $1.00 per diluted share in the fourth quarter of 2025. This is compared to $1.35 billion, or $1.04 per diluted share in the third quarter of 2025, and $1.28 billion, or $0.91 per diluted share in the fourth quarter of 2024.
The average loans held for investment (HFI) increased by $4.3 billion, or 1.3%, from the third quarter of 2025 to the fourth quarter of 2025. End of period loans and leases HFI were $328.6 billion, up $4.9 billion, or 1.5% from the end of the third quarter of 2025.
Noninterest expense was up by $156 million, or 5.2%, from the third quarter of 2025 to the fourth quarter of 2025, primarily due to an incremental legal accrual and higher personnel expense, including severance.
Average deposits were flat, but end of period deposits were $400.4 billion, up $5.5 billion, or 1.4% from the end of the third quarter of 2025.
Asset quality remained strong, with nonperforming loans to total loans HFI staying flat, and the allowance for loan and lease losses (ALLL) ratio decreasing by one basis point.
Truist repurchased $750 million in common shares during the fourth quarter of 2025, resulting in a dividend and total payout ratio of 51% and 109%, respectively. The company also announced up to $10 billion in share repurchase authorization with no expiration date.
The Common Equity Tier 1 (CET1) ratio was 10.8% in the fourth quarter of 2025, compared to 11.0% in the third quarter of 2025 and 11.5% in the fourth quarter of 2024. As a result of these announcements, the company's shares have moved -0.58% on the market, and are now trading at a price of $49.99. For the full picture, make sure to review TRUIST FINANCIAL CORP's 8-K report.
