Truist Financial (TFC) reported a total of $312.6 billion in average loans and leases held for investment as of June 30, 2025, reflecting a 2% year-over-year increase. In the first half of 2025, the bank achieved a net interest income (NII) of $7.09 billion, a 3% increase from the previous year. The net interest margin improved to 3.02%, up 7 basis points.
Management forecasts a 3% increase in NII for 2025, with expectations of modest loan growth, loan repricing worth approximately $27 billion, and strategic balance sheet management. The compound annual growth rate (CAGR) for total loans is projected at 3.8% by 2027.
In comparison, PNC Financial is experiencing robust loan growth with a five-year CAGR of 5.6%, while its NII has grown at a CAGR of 6.3%. U.S. Bancorp also shows positive trends, with a five-year loan CAGR of 5.1% and NII CAGR of 4.4%.
