Truist decreases prime rate to 6.75%

Rhea-AI Summary

Truist Financial (NYSE: TFC) said it will lower its prime lending rate to 6.75% from 7.00%, a 25-basis-point reduction, effective December 11, 2025.

The company is a top-10 U.S. commercial bank with $544 billion in total assets as of September 30, 2025. Truist offers consumer, small business, commercial and corporate banking, investment banking, capital markets, wealth management, payments and specialized lending services. Truist Bank is a Member FDIC and Equal Housing Lender.

Positive

• Prime rate cut of 25 basis points to 6.75% effective Dec 11, 2025
• $544 billion in total assets as of Sep 30, 2025

Negative

• None.

Key Figures

Prime lending rate 6.75% New prime rate effective December 11, 2025

Prior prime rate 7.00% Previous prime lending rate before announced decrease

Total assets $544 billion As of September 30, 2025, stated in company description

Senior notes issued $1,250,000,000 4.964% Fixed-to-Floating Rate Notes due October 23, 2036

Bank notes issued $1,250,000,000 4.136% Fixed-to-Floating Rate Senior Bank Notes due October 23, 2029

13F positions 5,089 positions Form 13F-HR holdings report filed November 3, 2025

13F aggregate value $73,969,032,604 Aggregate reported value in Form 13F-HR

Insider sale 5,160 shares at $46.45 Director stock sale reported on Form 4 dated November 28, 2025

Market Reality Check

$49.89 Last Close

Volume Volume 8,331,235 is above the 20-day average of 7,427,789 (relative volume 1.12). normal

Technical Shares trade 1.29% below the 52-week high and above the 200-day MA at 42.82.

Peers on Argus

Key banking peers were positive, with ITUB up 2.29%, PNC up 2.12%, NU up 1.74%, USB up 0.53%, and DB up 0.27%, suggesting a generally constructive backdrop for regional and global banks.

Historical Context

Date	Event	Sentiment	Move	Catalyst
Dec 02	Research team expansion	Positive	-0.2%	Added nine senior hires to broaden Equity Research and trading coverage.
Nov 26	Tech leadership hire	Positive	-0.2%	Appointed new tech, data and operations leader for consumer and small business.
Nov 20	Conference appearance	Neutral	-0.6%	CEO scheduled to speak at Goldman Sachs 2025 Financial Services Conference.
Nov 19	AI leadership hire	Positive	+0.7%	Named chief AI & data officer to lead enterprise AI and data strategy.
Nov 17	New capital group	Positive	-2.1%	Launched Institutional Capital Group serving middle-market PE and family offices.

Pattern Detected

Recent history shows 4 out of 5 corporate updates saw share price declines within 24 hours, even when the news was operationally positive, indicating a pattern of weak price alignment with upbeat announcements.

Recent Company History

Over the past month, Truist reported several strategic and leadership updates, including new research hires, senior technology leadership appointments, and expansion into middle-market sponsor coverage. It also highlighted participation in a major financial services conference and its scale with assets of $544 billion. Despite largely positive operational tone, four of the last five announcements were followed by modest share price declines, making today’s prime rate adjustment another development against a backdrop of mixed trading responses.

Market Pulse Summary

This announcement focuses on Truist’s decision to lower its prime lending rate to 6.75% from 7.00%, effective December 11, 2025, against the backdrop of a large franchise with $544 billion in assets. Recent history includes leadership hires and capital markets activity, plus sizeable note issuances of $1,250,000,000 each at fixed-to-floating rates. Investors following this news may watch subsequent disclosures, funding costs, and loan growth trends to gauge how the rate change interacts with Truist’s broader balance sheet.

Key Terms

prime lending rate financial

"announced a decrease in its prime lending rate to 6.75% from 7.00%"

The prime lending rate is the interest rate banks typically charge their most creditworthy customers for loans; think of it as the store price that lenders offer to their best buyers. It matters to investors because many consumer and business loan rates, mortgages and corporate borrowing costs are tied to that rate, so changes act like a ripple that affects company profits, consumer spending and overall market valuations.

fdic regulatory

"Truist Bank, Member FDIC. Equal Housing Lender."

The Federal Deposit Insurance Corporation (FDIC) is a U.S. government agency that protects individual and business bank deposits by insuring accounts up to a set limit, acting like a safety net for savers if a bank fails. It matters to investors because FDIC insurance reduces the chance of sudden losses for depositors, supports confidence in the banking system, and can influence the perceived risk and stock value of banks and financial firms.

restricted stock units financial

"247 RSUs converted into the same number of shares of TFC common stock"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

form 144 regulatory

"insider filed a Form 144 notice to sell up to 5,160 shares"

Form 144 is a document that investors must file with the government when they plan to sell a large number of shares of a company's stock. It helps ensure transparency so everyone knows how many shares are being sold and when, which can impact the stock's price.

13f-hr regulatory

"filed a Form 13F-HR holdings report. The filing lists 5,089 positions"

Form 13F-HR is a quarterly filing that large institutional investment managers must submit to regulators listing the public stocks and equity-related positions they hold. Think of it as a public inventory sheet revealing what major investors bought or kept each quarter; that transparency helps other market participants see where big money is positioned and can affect sentiment, trading flows, and perceived support for a company’s stock.

grantor retained annuity trust financial

"after a grantor retained annuity trust made its final annuity payment"

A grantor retained annuity trust (GRAT) is an estate-planning tool where the person who creates the trust transfers assets into it but receives fixed cash payments (an annuity) from the trust for a set number of years; whatever remains after that term passes to designated beneficiaries. It matters to investors because it can shift future appreciation of assets out of the creator’s taxable estate—like putting an asset into a timed vending machine that pays you fixed amounts while any extra value that grows inside the machine goes to heirs with reduced gift or estate tax consequences.

AI-generated analysis. Not financial advice.

CHARLOTTE, N.C., Dec. 10, 2025 /PRNewswire/ -- Truist Financial Corporation (NYSE: TFC) announced a decrease in its prime lending rate to 6.75% from 7.00%, effective tomorrow, December 11, 2025.

About Truist
Truist Financial Corporation is a purpose-driven financial services company committed to inspiring and building better lives and communities. Headquartered in Charlotte, North Carolina, Truist has leading market share in many of the high-growth markets in the U.S. and offers a wide range of products and services through wholesale and consumer businesses, including consumer and small business banking, commercial and corporate banking, investment banking and capital markets, wealth management, payments, and specialized lending businesses. Truist is a top-10 commercial bank with total assets of $544 billion as of September 30, 2025. Truist Bank, Member FDIC. Equal Housing Lender. Learn more at Truist.com.

View original content to download multimedia:https://www.prnewswire.com/news-releases/truist-decreases-prime-rate-to-6-75-302638480.html

SOURCE Truist Financial Corporation

FAQ

What change did Truist (TFC) announce to its prime lending rate on December 10, 2025?

Truist announced a reduction of its prime lending rate from 7.00% to 6.75%, effective Dec 11, 2025.

When does Truist's new prime rate of 6.75% take effect for TFC?

The new prime rate of 6.75% takes effect on December 11, 2025.

How much did Truist (TFC) lower its prime rate by on December 10, 2025?

Truist lowered its prime rate by 25 basis points (from 7.00% to 6.75%).

What size is Truist (TFC) in assets as reported on September 30, 2025?

Truist reported total assets of $544 billion as of September 30, 2025.

Which businesses does Truist (TFC) operate across?

Truist operates consumer and small business banking, commercial and corporate banking, investment banking and capital markets, wealth management, payments, and specialized lending.

Is Truist Bank a Member FDIC and an Equal Housing Lender for TFC customers?

Yes. Truist Bank is a Member FDIC and an Equal Housing Lender.