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Dec 31, 2025
Trustmark Q4 2025 Earnings Report
Trustmark reported strong Q4 results with higher revenue, stable EPS, and solid credit quality.
Key Takeaways
Trustmark delivered a strong Q4 2025 with net income of $57.9 million and EPS of $0.97. Revenue climbed modestly, supported by growth in net interest and noninterest income, while credit quality remained solid despite higher charge-offs.
Q4 net income reached $57.9 million, with EPS of $0.97.
Revenue totaled $204.1 million, driven by increased net interest and noninterest income.
Tangible equity to tangible assets ratio stood at 9.61%.
Wealth management revenue climbed 13.6% QoQ to $11.1 million.
Revenue by Segment
Forward Guidance
Trustmark remains focused on loan and deposit growth, maintaining credit quality, and leveraging technology investments to enhance operational efficiency and shareholder value.
Positive Outlook
- Continued loan and deposit growth across key segments
- Strong capital position post subordinated debt issuance
- Increased mortgage production and improving profitability
- Wealth management revenue hit an all-time high
- Efficiency initiatives expected to improve future margins
Challenges Ahead
- Net interest margin compressed slightly due to amortization costs
- Higher net charge-offs driven by a single large loan
- Service charge revenue remained flat YoY
- Higher salary and benefits expense due to year-end incentives
Historical Earnings Impact
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Avg. Return Before/After Earnings
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