When BB&T and SunTrust merged at the end of 2019, it created a top 10 U.S. bank called Truist Financial (NYSE: TFC) that many analysts thought had considerable commercial real estate (CRE) exposure. When word got out that these banks' assets had lost significant value, depositors knew they could lose their funds without Federal Deposit Insurance Corp. protection, and they quickly rushed to withdraw their money. Additionally, with inflation abating and the Federal Reserve slowing or pausing interest rate hikes, the likelihood that Truist will encounter similar stress is rapidly declining.