Financial Reports
TrustPay Global Finance Bank is committed to transparency in financial reporting. Below you will find our annual reports, quarterly earnings, key metrics, and regulatory filings — all available for download.
Last updated: January 15, 2026
1. Annual Reports
Our annual reports provide a comprehensive overview of TrustPay's financial performance, strategic priorities, and outlook for the year ahead. Each report is filed with the SEC as Form 10-K and is available for download in PDF format.
- Annual Report 2025 (Form 10-K) — filed February 2026 — download PDF
- Annual Report 2024 (Form 10-K) — filed February 2025 — download PDF
- Annual Report 2023 (Form 10-K) — filed February 2024 — download PDF
- Annual Report 2022 (Form 10-K) — filed February 2023 — download PDF
2. Quarterly Earnings
We report earnings four times per year. Each release includes a press release, financial supplement, and conference call webcast. Materials are posted to our Investor Relations website at the time of release and archived for future reference.
- Q4 2025 Earnings Release — February 2026 — download release and supplement
- Q3 2025 Earnings Release — October 2025 — download release and supplement
- Q2 2025 Earnings Release — July 2025 — download release and supplement
- Q1 2025 Earnings Release — April 2025 — download release and supplement
3. Key Financial Metrics
The following metrics summarize TrustPay's full-year 2025 financial performance. All figures are unaudited and reported in accordance with U.S. Generally Accepted Accounting Principles (GAAP). For detailed reconciliations, please refer to our most recent earnings supplement.
Full year 2025 highlights
- Total revenue: $15.2 billion (up 12% year-over-year)
- Net income: $4.8 billion (up 18% year-over-year)
- Diluted earnings per share (EPS): $12.45
- Return on equity (ROE): 18.5%
- Return on assets (ROA): 1.6%
- Net interest margin: 3.2%
- Efficiency ratio: 52.4%
Balance sheet highlights
- Total assets: $850 billion
- Total deposits: $620 billion
- Total loans: $410 billion
- Common equity tier 1 (CET1) capital ratio: 12.8%
- Total risk-based capital ratio: 16.2%
- Allowance for credit losses: $5.1 billion (1.24% of total loans)
4. Regulatory Filings
As a publicly traded financial institution, TrustPay files periodic reports with the U.S. Securities and Exchange Commission (SEC). All filings are available on the SEC's EDGAR system and on our Investor Relations website.
Our primary filings include the annual report on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K, and proxy statements on Schedule 14A.
- Form 10-K — annual report, filed within 60 days of fiscal year end
- Form 10-Q — quarterly report, filed within 40 days of quarter end
- Form 8-K — current report for material events, filed within 4 business days
- Schedule 14A — proxy statement for the annual shareholder meeting
- Section 16 filings — insider trading reports (Forms 3, 4, and 5)
- Regulation FD disclosures — fair disclosure of material non-public information
- All filings available on SEC EDGAR at sec.gov/cgi-bin/browse-edgar
5. Audit & Compliance
TrustPay's consolidated financial statements are audited annually by an independent registered public accounting firm. Our internal audit function provides independent assurance to the board's Audit Committee on the effectiveness of our internal controls.
We maintain a robust compliance program that covers banking regulations, consumer protection laws, anti-money laundering (AML), and the Bank Secrecy Act (BSA). We undergo regular examinations by federal and state regulators.
- Independent auditor: One of the Big Four accounting firms (rotated every 10 years)
- Annual audit of consolidated financial statements per PCAOB standards
- Sarbanes-Oxley (SOX) Section 404 internal controls attestation
- FDIC and state banking regulator examinations conducted annually
- Anti-Money Laundering (AML) and Bank Secrecy Act (BSA) compliance program
- Office of Foreign Assets Control (OFAC) sanctions screening
- Community Reinvestment Act (CRA) examination — rated "Outstanding"