# EDGAR Filing Document

**Accession Number:** 0000092230
**File Stem:** 0000092230-26-000006
**Filing Date:** 2026-1
**Character Count:** 13495
**Document Hash:** 61cc5d02fe0ebf2f151bdb0ccf8647d4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000092230-26-000006.hdr.sgml**: 20260112

**ACCESSION NUMBER**: 0000092230-26-000006

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 14

**CONFORMED PERIOD OF REPORT**: 20260112

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260112

**DATE AS OF CHANGE**: 20260112

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** TRUIST FINANCIAL CORP
- **CENTRAL INDEX KEY:** 0000092230
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 560939887
- **STATE OF INCORPORATION:** NC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-10853
- **FILM NUMBER:** 26527372

**BUSINESS ADDRESS:**
- **STREET 1:** 214 NORTH TRYON STREET
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28202
- **BUSINESS PHONE:** 8444878478

**MAIL ADDRESS:**
- **STREET 1:** 214 NORTH TRYON STREET
- **CITY:** CHARLOTTE
- **STATE:** NC
- **ZIP:** 28202

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BB&T CORP
- **DATE OF NAME CHANGE:** 19970527

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** SOUTHERN NATIONAL CORP /NC/
- **DATE OF NAME CHANGE:** 19920703

?xml version='1.0' encoding='ASCII'? tfc-20260112

  

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**_____________________________**

**Form 8-K**

**Current Report**

**_____________________________**

**Pursuant to Section 13 or 15(d)**

**of the Securities Exchange Act of 1934**

**January 12, 2026**

Date of Report (Date of earliest event reported)

**Truist Financial Corporation**

(Exact name of registrant as specified in its charter)

_____________________________

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**North Carolina** | &nbsp;&nbsp;**1-10853** | &nbsp;&nbsp;**56-0939887** |
| &nbsp;&nbsp;(State or other jurisdiction of incorporation) | &nbsp;&nbsp;(Commission File Number) | &nbsp;&nbsp;(IRS Employer Identification No.) |

---

---

| | | |
|:---|:---|:---|
| **214 North Tryon Street** | **214 North Tryon Street** | |
| &nbsp;&nbsp;**Charlotte,** | **North Carolina** | &nbsp;&nbsp;**28202** |
| (Address of principal executive offices) | (Address of principal executive offices) | &nbsp;&nbsp;(Zip Code) |

---

**(844) 487-8478**

(Registrant's telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report.)

_____________________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

---

| | | |
|:---|:---|:---|
| **Title of each class** | **Trading Symbol(s)** | **Name of each exchange on which registered** |
| Common Stock, $5 par value | TFC | New York Stock Exchange |
| Depositary Shares each representing 1/4,000th interest in a share of Series I Perpetual Preferred Stock | TFC.PI | New York Stock Exchange |
| 5.853% Fixed-to-Floating Rate Normal Preferred Purchase Securities each representing 1/100th interest in a share of Series J Perpetual Preferred Stock | TFC.PJ | New York Stock Exchange |
| Depositary Shares each representing 1/1,000th interest in a share of Series O Non-Cumulative Perpetual Preferred Stock | TFC.PO | New York Stock Exchange |
| Depositary Shares each representing 1/1,000th interest in a share of Series R Non-Cumulative Perpetual Preferred Stock | TFC.PR | New York Stock Exchange |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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**ITEM 7.01&nbsp;&nbsp;&nbsp;&nbsp;Regulation FD Disclosure.**

Effective December 31, 2025, Truist Financial Corporation ("Truist") made certain changes and reclassifications to the presentation of its Consolidated Statements of Income. As of January 12, 2026, Truist is providing unaudited supplemental financial information that conforms the historical financial statement presentation to the new financial statement presentation, for the periods presented.

The unaudited supplemental historical financial information is furnished as Exhibit 99.1 and incorporated by reference herein. The unaudited supplemental historical financial information does not revise or restate the previously reported consolidated financial results of Truist for any period.

The information provided pursuant to this Item 7.01, including the attached exhibit, is being furnished and shall not be deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into Truist's other filings with the Securities and Exchange Commission, except as otherwise expressly stated in any such other filing.

**ITEM 9.01&nbsp;&nbsp;&nbsp;&nbsp;Financial Statements and Exhibits.**

(d)&nbsp;&nbsp;&nbsp;&nbsp;Exhibits.

---

| | |
|:---|:---|
| **Exhibit No.** | **Description** |
| <u>[99.1](ex991-incomestatement.htm)</u> | Unaudited Supplemental Historical Financial Information |
| 104 | The cover page from this Current Report on Form 8-K, formatted in Inline XBRL |

---

------

**SIGNATURE**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | |
|:---|:---|
| TRUIST FINANCIAL CORPORATION | TRUIST FINANCIAL CORPORATION |
|  | (Registrant) |
| By: | /s/ Cynthia B. Powell |
|  | Cynthia B. Powell |
|  | Executive Vice President and Corporate Controller |
|  | (Principal Accounting Officer) |

---

Date: January 12, 2026

## Exhibit 99.1

**Exhibit 99.1**

Effective December 31, 2025, Truist Financial Corporation ("Truist") has made certain changes and reclassifications to the presentation of its consolidated statements of income to better align financial reporting with Truist's management of its businesses. The unaudited supplemental historical financial information below reflects these changes and reclassifications, which have been applied retrospectively to all periods presented. This information is being provided for illustrative purposes only.

**Unaudited Supplemental Historical Financial Information**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** |
|<br>**(Dollars in millions)** | **Sept. 30**<br>**2025** | **June 30**<br>**2025** | **March 31**<br>**2025** | **Dec. 31**<br>**2024** | **Sept. 30**<br>**2024** | **June 30**<br>**2024** | **March 31**<br>**2024** |
| **Interest Income** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest and fees on loans and leases | $4816 | $4657 | $4493 | $4634 | $4852 | $4879 | $4865 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest on securities | 941 | 961 | 975 | 994 | 869 | 838 | 805 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest on other earning assets | 529 | 536 | 520 | 551 | 631 | 634 | 514 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest income | 6286 | 6154 | 5988 | 6179 | 6352 | 6351 | 6184 |
| **Interest Expense** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest on deposits | 1835 | 1844 | 1736 | 1855 | 2014 | 2016 | 1964 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest on long-term debt | 523 | 431 | 409 | 431 | 454 | 446 | 482 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest on other borrowings | 299 | 292 | 336 | 303 | 282 | 362 | 366 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense | 2657 | 2567 | 2481 | 2589 | 2750 | 2824 | 2812 |
| **Net Interest Income** | 3629 | 3587 | 3507 | 3590 | 3602 | 3527 | 3372 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Provision for credit losses | 436 | 488 | 458 | 471 | 448 | 451 | 500 |
| **Net Interest Income After Provision for Credit Losses** | 3193 | 3099 | 3049 | 3119 | 3154 | 3076 | 2872 |
| **Noninterest Income** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Wealth management income | 374 | 348 | 344 | 345 | 350 | 361 | 356 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Card and treasury management fees<sup>(1)(2)</sup> | 340 | 351 | 333 | 334 | 324 | 332 | 321 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investment banking and trading income | 323 | 205 | 273 | 262 | 332 | 286 | 323 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other deposit revenue<sup>(1)(3)</sup> | 125 | 108 | 117 | 134 | 119 | 130 | 128 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage banking income | 118 | 107 | 108 | 117 | 106 | 112 | 97 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lending related fees | 103 | 99 | 95 | 93 | 88 | 89 | 96 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Securities gains (losses) |  | (18) | (1) | (1) |  | (6650) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other income<sup>(4)</sup> | 175 | 200 | 123 | 186 | 164 | 128 | 125 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest income | 1558 | 1400 | 1392 | 1470 | 1483 | (5212) | 1446 |
| **Noninterest Expense** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Personnel expense<sup>(5)</sup> | 1748 | 1678 | 1604 | 1598 | 1643 | 1686 | 1660 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Professional fees and outside processing<sup>(5)</sup> | 346 | 373 | 364 | 415 | 338 | 311 | 278 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Software expense | 233 | 231 | 230 | 232 | 222 | 218 | 224 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net occupancy expense<sup>(5)</sup> | 185 | 181 | 168 | 188 | 166 | 167 | 174 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Equipment expense | 90 | 89 | 82 | 112 | 84 | 89 | 88 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Marketing and customer development | 79 | 82 | 75 | 74 | 75 | 63 | 56 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amortization of intangibles | 72 | 73 | 75 | 84 | 84 | 89 | 88 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory costs | 32 | 55 | 69 | 56 | 51 | 85 | 152 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other expense<sup>(4)(5)</sup> | 229 | 224 | 239 | 276 | 264 | 386 | 233 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest expense | 3014 | 2986 | 2906 | 3035 | 2927 | 3094 | 2953 |
| **Earnings** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income (loss) before income taxes | 1737 | 1513 | 1535 | 1554 | 1710 | (5230) | 1365 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Provision (benefit) for income taxes | 285 | 273 | 274 | 265 | 271 | (1324) | 232 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net income (loss) from continuing operations | 1452 | 1240 | 1261 | 1289 | 1439 | (3906) | 1133 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net income (loss) from discontinued operations |  |  |  | (13) | 3 | 4828 | 67 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Net income** | 1452 | 1240 | 1261 | 1276 | 1442 | 922 | 1200 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Noncontrolling interests from discontinuing operations |  |  |  |  |  | 19 | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Preferred stock dividends and other | 104 | 60 | 104 | 60 | 106 | 77 | 106 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Net income available to common shareholders** | $1348 | $1180 | $1157 | $1216 | $1336 | $826 | $1091 |

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(1)Effective December 31, 2025, Truist reclassified treasury management fees to 'Card and treasury management fees' from 'Other deposit revenue.'

(2)Renamed from 'Card and payment related fees.'

(3)Renamed from 'Service charges on deposits.'

(4)Effective December 31, 2025, Truist reclassified operating lease income and operating lease depreciation into 'Other income' and 'Other expense,' respectively.

(5)Effective December 31, 2025, Truist reclassified the underlying activities of restructuring charges, which were previously reported in a separate financial statement caption, to their natural expense categories of 'Personnel', 'Net occupancy', 'Professional fees and outside processing', and 'Other expense.'

<br>