Truist Financial 2025年度报告

FORM 11-K (Mark One)ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December31, 2025 OR For the transition period from __________________________ to __________________________ Commission file number 1-10853 Full title of the plan and the address of the plan, if different from that of the issuer named below: Truist Financial Corporation401(k) Savings Plan B.Name of issuer of the securities held pursuant to the plan and the address of its principal executive office: Truist Financial Corporation214 North Tryon StreetCharlotte, NC 28202 Truist Financial Corporation 401(k) SavingsPlan Financial Statements and Supplemental ScheduleDecember31, 2025 and 2024 *Other schedules required by Section 2520.103-10 of the Department of Labor’s Rules and Regulations for Reporting andDisclosure under ERISA have been omitted because they are not applicable. Report of Independent Registered Public Accounting Firm Plan Participants of the Truist Financial Corporation 401(k) Savings Plan and Members of the Compensation and HumanCapital Committee of Truist Financial Corporation, Charlotte, North Carolina Opinion on the Financial Statements We have audited the accompanying statements of net assets available for benefits of the Truist Financial Corporation401(k) Savings Plan (the “Plan”) as of December31, 2025 and 2024, the related statement of changes in net assetsavailable for benefits for the year ended December31, 2025, and the related notes (collectively referred to as the“financial statements”). In our opinion, the financial statements present fairly, in all material respects, the net assetsavailable for benefits of the Plan as of December31, 2025 and 2024, and the changes in net assets available for benefitsfor the year ended December31, 2025, in conformity with accounting principles generally accepted in the United States ofAmerica. Basis for Opinion These financial statements are the responsibility of the Plan's management. Our responsibility is to express an opinion onthe Plan's financial statements based on our audits. We are a public accounting firm registered with the Public CompanyAccounting Oversight Board (United States) (“PCAOB”) and are required to be independent with respect to the Plan inaccordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and ExchangeCommission and the PCAOB. We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan andperform the audits to obtain reasonable assurance about whether the financial statements are free of materialmisstatement, whether due to error or fraud. The Plan is not required to have, nor were we engaged to perform, an auditof its internal control over financial reporting. As part of our audits, we are required to obtain an understanding of internalcontrol over financial reporting, but not for the purpose of expressing an opinion on the effectiveness of the Plan’s internalcontrol over financial reporting. Accordingly, we express no such opinion. Our audits included performing procedures to assess the risks of material misstatement of the financial statements,whether due to error or fraud, and performing procedures that respond to those risks. Such procedures includedexamining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits alsoincluded evaluating the accounting principles used and significant estimates made by management, as well as evaluatingthe overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion. Supplemental Information The supplemental Schedule H, line 4i‐Schedule of Assets (Held at End of Year) as of December31, 2025 has beensubjected to audit procedures performed in conjunction with the audit of the Plan’s financial statements. The supplementalschedule is the responsibility of the Plan’s management. Our audit procedures included determining whether thesupplemental schedule reconciles to the financial statements or the underlying accounting and other records, asapplicable, and performing procedures to test the completeness and accuracy of the information presented in thesupplemental schedule. In forming our opinion on the supplemental schedule, we evaluated whether the supplementalschedule, including its form and content, is presented in conformity with the Department of Labor’s Rules and Regulationsfor Reporting and Disclosure under the Employee Retirement Income Security Act of 1974. In our opinion, thesupplemental schedule is fairly stated, in all material respects, in relation to the financial statements as a whole. /s/ Carr, Riggs, & Ingram, L.L.C.Carr, Riggs & Ingram, L.L.C. We have served as the Plan’s auditor since 2021. Atlanta, GeorgiaJune25, 2026 The accompanying notes are an integral part of these financial statements. The accompanying notes are an in