Net Interest Income
Truist Financial Net Interest Income decreased by 2.7% to $3.60B in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 2.6%, from $3.51B to $3.60B. Over 4 years (FY 2021 to FY 2025), Net Interest Income shows an upward trend with a 2.6% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Analysis
How to read this metric
An increase typically signals effective balance sheet management, growth in the loan portfolio, or a favorable interest rate environment, while a decrease may indicate margin compression or a decline in earning assets.
Detailed definition
Net interest income represents the difference between the interest earned on interest-bearing assets, such as loans and...
Peer comparison
Peers in the regional banking sector typically report this as a primary revenue line item, with variations driven by the specific mix of commercial versus retail lending and the sensitivity of their deposit base to market interest rates.
is_net_interest_incomeHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $3.25B | $3.23B | $3.24B | $3.18B | $3.41B | $3.75B | $3.98B | $3.87B | $3.63B | $3.56B | $3.54B | $3.37B | $3.53B | $3.60B | $3.59B | $3.51B | $3.59B | $3.63B | $3.70B | $3.60B |
| QoQ Change | — | -0.4% | +0.3% | -1.9% | +7.0% | +9.9% | +6.3% | -2.8% | -6.3% | -1.7% | -0.6% | -4.8% | +4.6% | +2.1% | -0.3% | -2.3% | +2.3% | +1.2% | +2.0% | -2.7% |
| YoY Change | — | — | — | — | +5.0% | +15.8% | +22.8% | +21.5% | +6.4% | -4.8% | -11.0% | -12.8% | -2.7% | +1.1% | +1.3% | +4.0% | +1.7% | +0.7% | +3.1% | +2.6% |
Business Segments
| Segment | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| CSBB | $2.63B | $2.65B | $2.63B | $2.25B | $2.36B | $2.45B | $2.53B | $2.50B |
| WB | $2.19B | $2.11B | $1.97B | $1.88B | $1.88B | $2.04B | $2.01B | $1.92B |
| OT&C | — | — | — | -$432.00M | -$652.00M | -$522.00M | -$712.00M | -$475.00M |
| Total | $3.53B | $3.60B | $3.59B | $3.51B | $3.59B | $3.63B | $3.70B | $3.60B |
CB-Commercial, CB-Retail, IH were previously reported and have since been discontinued or reclassified. Only currently active segments are shown in the chart.
Net Interest Income at Other Companies
Frequently Asked Questions
- What is Truist Financial's net interest income?
- Truist Financial (TFC) reported net interest income of $3.60B in Q1 2026.
- How has Truist Financial's net interest income changed year-over-year?
- Truist Financial's net interest income increased by 2.6% year-over-year, from $3.51B to $3.60B.
- What is the long-term trend for Truist Financial's net interest income?
- Over 4 years (2021 to 2025), Truist Financial's net interest income has grown at a 2.6% compound annual growth rate (CAGR), from $13.01B to $14.42B.
- What does net interest income mean?
- The profit a bank makes from the difference between the interest it earns on loans and the interest it pays on deposits.