The earnings call highlighted strong loan and deposit growth, improved profitability metrics, and solid credit quality, alongside positive revisions in guidance. However, challenges included stagnant noninterest income and an increase in noninterest expenses. Overall, the highlights significantly outweighed the lowlights, indicating a strong performance.

Company Guidance

During Trustmark Corporation's second quarter earnings call, the company provided updated guidance and highlighted key financial metrics. Trustmark reported a net income of $55.8 million, translating to a fully diluted EPS of $0.92, marking a 4.5% increase from the prior quarter. The return on average assets was 1.21%, while the return on average tangible equity reached 13.13%. Loans held for investment grew by $223 million, or 1.7% quarter-on-quarter, and $374.8 million, or 2.9% year-to-date. Deposits saw a $35 million increase, with total personal and commercial deposits amounting to $13 billion. The net interest margin improved by 6 basis points to 3.81%. Looking forward, Trustmark revised its guidance for loans held for investment to grow by mid-single digits, up from low single-digit growth expectations. The company maintained its guidance for low single-digit deposit growth, excluding brokered deposits, and adjusted its net interest margin guidance to a range of 3.77% to 3.83% for the full year. The provision for credit losses, including unfunded commitments, is anticipated to trend lower compared to the previous year. Additionally, Trustmark repurchased $11 million of common stock during the quarter, with a remaining $74 million repurchase authority for the year, and declared a quarterly cash dividend of $0.24 per share.

Loan and Deposit Growth

Loans held for investment increased by $223 million or 1.7% quarter-over-quarter and $374.8 million or 2.9% year-to-date. Deposits grew by $35 million during the quarter, with personal and commercial deposits totaling $13 billion, an increase of $103.8 million or 0.8% from the prior quarter.

Profitability Metrics

Net income for the second quarter was $55.8 million, representing fully diluted EPS of $0.92, up 4.5% from the prior quarter. Return on average assets was 1.21% and return on average tangible equity was 13.13%.

Net Interest Margin and Income

Net interest income expanded by 4.3% to $161.4 million, producing a net interest margin of 3.81%, an increase of 6 basis points from the prior quarter.

Credit Quality Improvement

Nonperforming assets declined by $5 million or 5.3% quarter-over-quarter. Net charge-offs were $4.1 million, representing 12 basis points of average loans.

Capital Management

CET1 ratio expanded 7 basis points to 11.7%. The total risk-based capital ratio increased 5 basis points to 14.15%. The company repurchased $11 million of Trustmark common stock during the quarter.

Guidance and Forecast

Positive revisions in guidance, expecting loans held for investment to increase mid-single digits for the full year, revised upward from low single-digit growth. Net interest margin range tightened to 3.77% to 3.83% for full year 2025.

Trustmark (TRMK) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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TRMK Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	0.93 / -	0.84	―	―	―
Jul 22, 2025	2025 (Q2)	0.87 / 0.92	0.66	39.39% (+0.26)
Apr 22, 2025	2025 (Q1)	0.82 / 0.88	0.68	29.41% (+0.20)
Jan 28, 2025	2024 (Q4)	0.83 / 0.92	0.61	50.82% (+0.31)
Oct 22, 2024	2024 (Q3)	0.82 / 0.84	0.64	31.25% (+0.20)
Jul 23, 2024	2024 (Q2)	0.63 / 0.66	0.74	-10.81% (-0.08)
Apr 23, 2024	2024 (Q1)	0.60 / 0.68	0.824	-17.48% (-0.14)
Jan 23, 2024	2023 (Q4)	0.57 / 0.61	0.68	-10.29% (-0.07)
Oct 24, 2023	2023 (Q3)	0.67 / 0.64	0.69	-7.25% (-0.05)
Jul 25, 2023	2023 (Q2)	0.59 / 0.74	0.564	31.21% (+0.18)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

TRMK Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 22, 2025	$38.49	$38.11	-0.99%
Apr 22, 2025	$33.37	$33.45	+0.24%
Jan 28, 2025	$35.82	$36.66	+2.35%
Oct 22, 2024	$33.64	$33.58	-0.18%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Trustmark Corp. (TRMK) report earnings?

Trustmark Corp. (TRMK) is schdueled to report earning on Oct 28, 2025, After Close (Confirmed).

What is Trustmark Corp. (TRMK) earnings time?

Trustmark Corp. (TRMK) earnings time is at Oct 28, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is TRMK EPS forecast?

TRMK EPS forecast for the fiscal quarter 2025 (Q3) is 0.93.

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