Trustmark (TRMK) investor relations material

Executive summary

• Net income for Q3 2025 was $56.8 million ($0.94 EPS), up 11.9% year-over-year, with strong profitability driven by loan and deposit growth, stable credit quality, and expanded revenue streams.

• Return on average tangible equity was 12.84% and return on average assets was 1.21%.

• Loans held for investment reached $13.5 billion, up 0.6% sequentially and 3.4% year-over-year; deposits grew to $15.6 billion, up 3.4% sequentially and 2.6% year-over-year.

• Board declared a $0.24 per share dividend, payable December 15, 2025.

• Maintained a strong capital position with robust liquidity and ongoing share repurchases.

Financial highlights

• Total revenue was $202.4 million, up 1.9% sequentially and 5.3% year-over-year.

• Net interest income (FTE) was $165.2 million, up 2.4% sequentially and 4.6% year-over-year; net interest margin rose to 3.83%.

• Noninterest income was $39.9 million, up 0.1% sequentially and 6.3% year-over-year.

• Noninterest expense was $130.9 million, up 4.7% sequentially and 6.2% year-over-year, including $2.3 million in nonroutine items.

• Provision for credit losses was $1.7 million, down $3.0 million sequentially and significantly lower year-over-year.

Outlook and guidance

• FY 2025 guidance affirmed: mid-single digit loan growth, low-single digit deposit growth (excluding brokered), stable securities, high-single digit net interest income growth, and mid-single digit increases in noninterest income and expense.

• Net interest margin guidance revised to 3.78%–3.82% for FY 2025.

• Provision for credit losses expected to trend lower compared to 2024.

• Management continues to focus on organic growth, talent acquisition, and investments to drive long-term shareholder value.

• Forward-looking statements highlight sensitivity to interest rates, economic conditions, and regulatory changes.