Slide 1: Trustmark Second Quarter 2025 Financial Results
Exhibit 99.2 Y Trustmark Second Quarter 2025 Financial Results July 22, 2025 N
Slide 2: Forward-Looking Statements
Forward-Looking Statements Certain statements contained in this document constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. You can identify forward-looking statements by words such as “may,” “hope,” “will,” “should,” “expect,” “plan,” “
Slide 3: Financial Highlights - Second Quarter 2025
Financial Highlights - Second Quarter 2025 Profitability Metrics Continue to Expand, Strong Performance Reflects Loan and Deposit Growth, Stable Credit Quality, Robust Fee Income and Disciplined Expense Management Balance . Loans held for investment (HFI} increased $223.3 million, or 1.7%, linked-qu
Slide 4: Loans Held for Investment (HFI) Portfolio
Loans Held for Investment (HFI) Portfolio Focus on profitable, credit-disciplined loan growth continued Loan Portfolio Composition 06/30/25!) Loans HFI Change ($ in millions)" Other RE 6/30/2025 LQ Y-o-Y 14% Loans secured by real estate: Nonfarm Nonres, Const, land dev. and other land loans $ 1,355
Slide 5: Commercial Real Estate and Offices (CRE) Portfolio Detail
Commercial Real Estate and Offices (CRE) Portfolio Detail CRE Portfolio™™ % of CRE Offices (CRE) Portfolio" =! % of Offices (3 in millions) 06/30/25 Portfolio (Sin milféon 06/30/25 Portfolio Lots, Development and Unimproved Land $259 5% Construction $ 1 0% 1-4 Family Construction 302 6% Existing 234
Slide 6: Commercial Loan Portfolio Detail
Commercial Loan Portfolio Detail 7 ial Portfolio (22 % % Of * Portfolio includes commercial, financial ommercial folio (2 ‘commercial P = : = A ‘abt - intermediaries, agriculture production, equipment ($ in millions) 06/30/25 Portfolio ‘ineince se-pnafin sind lees Saulp Manufacturing $378 15% . es :
Slide 7: Allowance for Credit Losses
Allowance for Credit Losses $6 Net impact of quantitative changes including loan growth, changes in the macroeconomic forecast, and individually analyzed reserves ACL 3/31/25 for off bal et credit exposure: -$4 Net impact of qualitative changes including adjustments for credit migration, adjustments
Slide 8: Credit Risk Management
Credit Risk Management Solid asset quality metrics * — Allowance for credit losses represented 1.25% of loans HFI and 272.20% of nonaccrual loans, excluding individually evaluated loans, at June 30, 2025 * Net charge-offs (NCOs) totaled $4.1 million, including three individually analyzed credits tot
Slide 9: Attractive, Low-Cost Deposit Base
Attractive, Low-Cost Deposit Base Deposits " Change {$in millions) $ (352) (18) (15) $ Deposit Cost & Cumulative Beta Actual , Forecast 2.34% 2.26% 2.19% “sm ‘Tranaitional feta a ny Q2-24 Q3-24 Q4-24 Q1-25 92-25 | = Qa-25 KRX Median TRMK ‘ Tightening Rate — Deposit Cont —— ost Source: Company report
Slide 10: Income Statement Highlights - Net Interest Income
Income Statement Highlights - Net Interest Income Net Interest Income - FTE ($ in millions) $158 $158 $155 l | ! Q2-24 Q3-24 Q424 Q1-25 @ Net Interest Income Net Interest Margin ELI Sale, 0.01% -0.04% Aaset Liability # of Days in Rate/Volume Rate/Volume Qtr $161 Q225 Yields and Costs‘*! 6.54% 6.55%
Slide 11: Earning Asset Composition & Interest Rate Sensitivity
Earning Asset Composition & Interest Rate Sensitivity As of 06/30/25 » Cash flow hedge portfolio structured to mitigate asset sensitivity driven by loan portfolio mix with 52% variable rate Active interest rate swap hedge notional at quarter end was $850 million with a weighted average received fix
Slide 12: Income Statement Highlights - Noninterest Income
Income Statement Highlights - Noninterest Income Noninterest Income - Q2-25') Other, net, Significant Wealth ia Noninterest Income” oor (Non Routine Co SS : Service ($ in millions) Transactions Operations 2 be aia Q1-25 Q2-24 Q2-24 (te) Y-0-¥ Service Charges on DepositAccounts $ 10.6] $ 10.6] $ 109
Slide 13: Income Statement Highlights - Noninterest Expense
Income Statement Highlights - Noninterest Expense * Noninterest expense in the second quarter totaled $125.1 million, an increase of $1.1 million linked-quarter and $6.8 million year-over-year * Salaries and employee benefits in the second quarter totaled $68.3 million, a decrease of $194 thousand f
Slide 14: Capital Management
Capital Management Capital ratios remained strong, share repurchase activity continued *° Capital position remained strong with a CET1 ratio of 11.70% and a total risk-based capital ratio of 14.15% at June 30, 2025 * — During the second quarter, Trustmark repurchased $11.0 million, or approximately
Slide 15: 2025 Full Year Expectations
2025 Full Year Expectations FY 2025 Expectations!) Guidance 2024 Actual 2Q-25 Revised Loans HFI Increase low single digits Increase mid $13.1 billion ingle digits Balance Sheet — Deposits, excluding brokered deposits | Increase low single digits Affirmed $14.8 billion Securities Remain stable Affirm
Slide 16: Trustmark Corporation: Strategic Priorities to Enhance Shareholder Value
Trustmark Corporation Strategic Priorities to Enhance Shareholder Value Who We Are + Trustmark is a diversified financial services company (od WTH headquartered in Jackson, MS, providing banking and financial (af GRO i i . MS, T. solutions through offices in AL, FL, GA, MS, TN and TX Focus on profit
Slide 17: Non-GAAP Reconciliation Trustmark
Non-GAAP Reconciliation 4 Trustmark
Slide 18: Reconciliation of GAAP to Non-GAAP Results
Reconciliation of GAAP to Non-GAAP Results Quarta trades we tates (Sin ee ed thousands, Adhusted Continuing Operations except per ‘Mat Inter ext Income (CAAT) . 3S 205 s 3s Mime 3 seaezt : f share data} Provaean fer Credet Loman (GAAP) ame tar as ime PC, LH me of Bo fart meet ea a es mero Prowaeen f