NEW YORK, Jan. 27, 2026 /PRNewswire/ -- Zelle today reported that in 2025 it continued to scale its network, expanding access to more community banks and credit unions seeking real-time payment capabilities: Continue Reading Zelle Sign-Ups and Adoptions by Bank and Credit Union Asset Size in 2025 "Zelle already reaches 80% of U.S. bank and credit union accounts and last year was about widening access – deliberately and at scale," said Denise Leonhard, general manager of Zelle. "Deployment looks very differe ...

Financial Performance - Net income for 4Q25 was $5.4 billion, or $1.62 per diluted share, including $612 million in severance expense[5] - Excluding severance expense, net income was $5.8 billion, or $1.76 per diluted share[7] - Revenue reached $21.3 billion, a 4% increase[7] - Noninterest income was $9.0 billion, up 5%[4] - Noninterest expense was $13.7 billion, down 1%[4] - Pre-tax pre-provision profit was $7.6 billion, up 17%[4] Balance Sheet and Capital - Average loans totaled $955.8 billion, up 5%[4] - Average deposits reached $1.4 trillion, up 2%[4] - Common Equity Tier 1 (CET1) capital was $137.3 billion[4] - CET1 ratio stood at 10.6%[4] - Liquidity coverage ratio (LCR) was 119%[4] - Total Loss Absorbing Capacity (TLAC) ratio was 23.2%[4]

Core Insights - SouthTrust Bank has selected Jack Henry to modernize its technology infrastructure, aiming to differentiate and streamline operations while pursuing growth [1][3] - The bank, founded in 1934, has $550 million in assets and is focused on expanding its presence in Houston and serving niche markets [2] - The partnership with Jack Henry will enhance customer service, boost efficiency, and integrate with third-party fintechs, while introducing modern digital banking capabilities [3][4] Company Overview - SouthTrust Bank has eight locations in South Texas and Houston, known for strong community ties and long-term customer relationships [2] - The bank aims to reach $2 billion in assets over the next decade, focusing on geographic expansion and organic growth [4] Technology Partnership - Jack Henry's core processing system will eliminate manual tasks and streamline workflows, enhancing the bank's operational efficiency [3] - The introduction of customer-facing products like the Jack Henry Digital Platform and services such as Zelle® and Apple Pay will attract customers [3][4] - Jack Henry emphasizes the importance of innovative and accessible tools for community banks to compete effectively [4] Strategic Goals - SouthTrust Bank's CEO highlighted the need for a technology provider that shares their vision for the future, indicating confidence in Jack Henry's capabilities [4] - The collaboration aims to empower SouthTrust Bank to deliver modern and user-friendly banking experiences to its communities [4]