Truist Financial is one of the 10 largest commercial banks in the U.S., headquartered in Charlotte, North Carolina. Truist operates two primary business lines: Consumer and Small Business Banking (CSBB) and Wholesale Banking. CSBB serves retail and small business clients through roughly 1,900 branches, digital channels, and specialty lending platforms, offering deposit accounts, mortgages, credit cards, auto loans, and home improvement financing. Wholesale Banking serves commercial, corporate, and institutional clients with C&I and CRE lending, treasury management, investment banking and capital markets, and wealth management. Truist earns revenue through net interest income (NII) — the spread between loan/securities yields and deposit costs — and non-interest fee income, which accounts for roughly 30-35% of total revenue and includes treasury management fees, investment banking, wealth management, and card fees. Truist's branch network and deposit base are concentrated in the Southeast and Mid-Atlantic U.S., with leading or top-3 deposit market share across most core Southeast states. Truist is expanding in markets where it has lower share, particularly Texas and Florida. Key growth priorities include middle market client acquisition, treasury management, investment banking, and a premium banking model for higher-income consumers. Truist's medium-term goal is a 15% ROTCE by 2027, driven by loan growth, NIM expansion from fixed-rate asset repricing, operating leverage, and capital-light fee income growth.