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Trustmark (TRMK) investor relations material
Trustmark Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income for Q2 2025 was $55.8M ($0.92 EPS), up from Q1 2025 but down from Q2 2024; return on average assets was 1.21% and return on average tangible equity was 13.13%.
Profitability was driven by loan and deposit growth, solid credit quality, diversified fee income, and disciplined expense management.
Total revenue rose 2.1% sequentially to $198.6M, with net interest income and margin both improving.
Board declared a $0.24/share quarterly dividend, payable September 15, 2025.
Financial highlights
Loans held for investment increased $223M (1.7%) linked quarter; deposits grew $103.8M (0.8%) to $13B at June 30.
Net interest income (FTE) rose 4.3% sequentially to $161.4M, with net interest margin at 3.81%.
Noninterest income was $39.9M, unchanged sequentially when adjusted for one-time items.
Noninterest expense increased 0.9% sequentially to $125.1M.
Tangible book value per share was $28.74 at June 30, up 3.5% linked quarter and 13.9% year over year.
Outlook and guidance
Loan growth guidance for 2025 revised upward to mid-single digits; net interest margin guided to 3.77%-3.83%.
Net interest income expected to increase high single digits; noninterest income and expense both expected to increase mid-single digits.
Provision for credit losses expected to trend lower versus 2024 or increase high single digits, depending on source.
Deposit growth guidance (excluding brokered deposits) affirmed at low-single digits for 2025.
Management expects continued focus on expanding customer relationships and disciplined expense management.
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