The company returned capital through $679 million in common stock dividends and $500 million in share repurchases. This indicates a commitment to returning value to shareholders, but also reduces available capital for other uses.

As of March 31, 2025, $3.5 billion remained under the share repurchase authorization. This provides flexibility for future capital deployment but also signals potential future reductions in outstanding shares.

A CFPB rule limiting overdraft fees is under Congressional review and could impact Truist's fee income. This introduces regulatory uncertainty and potential revenue pressure.

The filing notes that the CRE and commercial construction portfolios have the potential for heightened risk in the current environment. This suggests a need for close monitoring and potential adjustments to risk management strategies.

Nonperforming loans and leases held for investment were 0.48% of loans and leases held for investment, up one basis point compared to December 31, 2024. While a small increase, it indicates a potential trend of weakening asset quality.

The net charge-off ratio was 0.60%, down 4 basis points compared to the first quarter of 2024, primarily driven by lower net charge-offs in the CRE portfolio. This indicates improved credit performance.

The allowance for loan and lease losses (ALLL) ratio was 1.58%, down one basis point from December 31, 2024. This suggests a slight decrease in the perceived riskiness of the loan portfolio.

The economic outlook showed signs of deterioration, primarily related to potential impacts of tariffs and increases to inflation. This could impact future performance.

Net interest margin was 3.01%, up 13 basis points. This indicates improved profitability from core lending and investment activities.

Truist's CET1 ratio was 11.3% as of March 31, 2025, down 20 basis points compared to December 31, 2024 due to capital returned to shareholders, an increase in risk-weighted assets, and the final CECL phase-in. This indicates a slight decrease in capital strength.