🏦Bank Scorer

TRUIST BANK

CHARLOTTE, NC · Supervised by FDIC

Est. 1872FDIC #9,846RSSD: FDIC-9846
Part ofTruist Financial Corporation→ View all charters
Outstanding Same

Current rating · Exam: January 2025

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Consumer Complaints (12 mo)

164

0.3 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 1.16%

Institution Profile

FDIC BankFind

Address

214 N Tryon St, CHARLOTTE, NC

County

Mecklenburg County

Established

January 1, 1872

Total Assets

$541.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$541.2B

Total Deposits

$413.6B

Net Loans

$326.2B

Net Income

$1.6B

ROA

1.16%

ROE

9.96%

Risk-Based Capital

13.43%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Large banks

Compared to the peer-bank Large peer group (same asset tier).

Complaints / $B0.30Peer avg: 0.83▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

1,928

Branch Deposits

$417.5B

1-Year Change

-3

5-year net change: -993 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202479,64845.03%40.77%
202391,11547.26%38.99%
2022124,27954.4%32.23%
2021179,95756.48%26.92%
2020209,08853.95%26.26%
201999,54258.98%24.71%

2024 national avg denial rate: 23.75% · above-average shown in red

Consumer Complaints

CFPB · through Jun 2026

Last 12 Months

164

All Time

804

Monetary Relief

12.7%

Untimely Response

1.6%

Most common complaint type: Checking or savings account· 0.3 per $B assets (12m)

Monthly Complaints (last 24 months)

MonthComplaintsWith Monetary Relief
July 202400
August 202400
September 202410
October 202431
November 202400
December 202400
January 202500
February 202500
March 202500
April 202510
May 202500
June 202500
July 202500
August 202500
September 202582
October 2025110
November 202550
December 2025160
January 202621
February 202620
March 2026183
April 2026445
May 2026443
June 2026140

Data through Jun 2026. Zero-height bars indicate months with no complaints on record.

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1990

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/42fdeeed-831b-4aaf-a1d9-5cc06c5474d0"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: