附錄99.1

Trustmark公司宣佈2024年第二季度財務業績

完成重要行動以增加收入，提升盈利能力簡介。

降低風險，並強化資本靈活性

密西西比州傑克遜–2024年7月23日–trustmark公司（NASDAQGS:TRMK）宣布第二季度財務業績，反映先前披露的Fisher Brown Bottrell Insurance, Inc.（FBBI）的售出。因此，第二季度財務業績包括持續營運和已停業營運。已停業運營包括出售前FBBI的財務業績以及第二季度的出售收益。已停業運營業績結果以一個單獨項目的形式呈現在所有期間所呈現的繼續營運收入下方的相關表格中。來自調整後持續營運的財務業績不包括重大非例行交易。(1)在2024年第二季度，trustmark報告凈利潤為7380萬美元，每股稀釋收益為1.20美元，調整後持續營運的淨收入為4050萬美元，每股稀釋收益為0.66美元。(1) 的4050萬美元，或每股稀釋收益為0.66美元。

董事會宣布每股派發現金股息為$0.23，將於2024年9月15日支付給2024年9月1日的持股人。

第二季度重大非例行交易

第二季重點摘要

Duane A. Dewey，總裁兼首席執行官，表示：“2024年第二季度是Trustmark非常富有成效的一季。我們完成了之前宣布的保險代理銷售，並完成了重大的資產負債表重組，以使公司能夠進入今年下半年及未來實現改善的營運績效。在完成這些一次性事件的同時，我們在核心銀行業務取得不錯的成績，包括持續貸款增長、存入資金增長、穩健的手續費收入和有紀律的費用管理。公司全體員工為成功滿足客戶的財務需求和執行一次性專案所展現的承諾和奉獻是卓越的，我們認為公司未來機會前景極佳。”

資產負債表管理

截至2024年6月30日，貸款HFI總額為132億美元，較上一季增加9750萬美元，或0.7％，與去年同期相比增加54150萬美元，或4.3％。上一季的增長反映了施工、發展及其他土地貸款、非農業非住宅物業擔保貸款及其他貸款和租賃的增加，部分抵銷了商業和工業貸款、其他房地產擔保貸款和1-4單位抵押貸款的下降。 Trustmark的貸款組合繼續以貸款類型和地理位置多樣化。

存款在2024年6月30日達到155億美元，較上一季度增加了12430萬美元，增幅為0.8％，較去年同期增加了54900萬美元，增幅為3.7％。Trustmark在2024年6月30日繼續保持強勁的流動性，因為住宅貸款利息佔總存款的85.1％。無息存款在2024年6月30日占總存款的20.4％，較2024年3月31日的19.8％有所增加。利息生息存款的成本在第二季度上升了1個基點，達到2.75％，而總存款成本為2.18％，與上一季度持平。第二季度利息為負債的總成本為2.95％，環比增加了3個基點。

在第二季度，trustmark未回購其優質普通股中的任何一種。正如之前宣布的，trustmark的董事會授權於2024年1月1日生效的股票回購計劃，該計劃允許在2024年12月31日前收購5000萬trustmark優質普通股。截至2024年6月30日，trustmark尚未根據該計劃回購其優質普通股中的任何一種。截至2024年6月30日，trustmark的有形股東權益與有形資產比率為8.52％，較上一季度上升105個基點，而總風險基礎資本比率為13.29％，較上一季度上升87個基點。截至2024年6月30日，每股有形帳面價值為25.23美元，較上一季度增長14.5％，較上年同期增長24.7％。

信貸質素

截至2024年6月30日，不應計利息貸款總額為4430萬美元，比上一季度減少5410萬美元，比上年同期減少3070萬美元。其他房地產業總計660萬美元，較上一季度減少100萬美元，較上年同期增加540萬美元。總體而言，截至2024年6月30日，不良資產總額為5090萬美元，比上一季度減少5510萬美元，減少52.0%，比上年同期減少2530萬美元，降幅為33.2%。

The total provision for credit losses for loans HFI was $23.3 million in the second quarter. Excluding the Mortgage Loan Sale, the provision for credit losses for loans HFI was $14.7 million and was primarily attributable to credit migration. The provision for credit losses for off-balance sheet credit exposures was a negative $3.6 million, primarily driven by decreases in unfunded commitments. Collectively, the provision for credit losses, excluding the Mortgage Loan Sale, totaled $11.1 million in the second quarter compared to $7.5 million from the prior quarter and $8.5 million in the second quarter of 2023.

Allocation of Trustmark’s $154.7 million ACL on loans HFI represented 1.05% of commercial loans and 1.59% of consumer and home mortgage loans, resulting in an ACL to total loans HFI of 1.18% at June 30, 2024. Management believes the level of the ACL is commensurate with the credit losses currently expected in the loan portfolio.

Revenue Generation

Revenue from adjusted continuing operations(1) in the second quarter totaled $179.3 million, an increase of $7.1 million, or 4.1%, from the prior quarter and $1.5 million, or 0.9%, from the same quarter in the prior year. The linked-quarter increase primarily reflects higher net interest income and solid growth in bank card and other fees and wealth management revenue.

Net interest income (FTE) in the second quarter totaled $144.3 million, resulting in a net interest margin of 3.38%, up 17 basis points from the prior quarter. The increase in the net interest margin was primarily due to increased yields on the securities portfolio and the loans HFI and held for sale portfolio as well as the costs of interest-bearing deposits remaining relatively flat.

Noninterest income from adjusted continuing operations(1) in the second quarter totaled $38.2 million, a decrease of $1.1 million, or 2.8%, from the prior quarter and an increase of $0.4 million, or 1.1%, year-over-year. Bank card and other fees totaled $9.2 million in the second quarter, up $1.8 million, or 24.2%, linked-quarter and $0.3 million, or 3.5%, year-over-year. The linked-quarter increase reflects expanded customer derivative revenue, interchange revenue, and miscellaneous other revenue. Service charges on deposit accounts totaled $10.9 million in the second quarter, relatively unchanged from the prior quarter and up $0.2 million, or 2.1%, year-over-year. Other, net totaled $7.5 million, up $4.4 million linked-quarter as the $8.1 million gain from Visa C exchange was offset in part by the $4.8 million in noncredit-related loss from the Mortgage Loan Sale. Other, net from adjusted continuing operations(1) totaled $4.2 million, an increase of $1.1 million, or 35.5%, from the prior quarter.

Mortgage loan production in the second quarter totaled $379.5 million, an increase of 38.5% from the prior quarter and a decrease of 12.0% year-over-year. Mortgage banking revenue totaled $4.2 million in the second quarter, a decrease of $4.7 million linked-quarter and $2.4 million year-over-year. The linked-quarter decrease was principally attributable to increased net negative hedge ineffectiveness, which was driven by a higher assumed discount rate on servicing cash flows.

Wealth management revenue in the second quarter totaled $9.7 million, an increase of $0.7 million, or 8.3%, from the prior quarter and $0.8 million, or 9.1%, year-over-year. The linked-quarter growth reflected increased investment services and trust management revenue while the year-over-year increase reflected expanded brokerage revenue.

Noninterest Expense

Noninterest expense in the second quarter totaled $118.3 million, a decrease of $1.3 million, or 1.1%, when compared to the prior quarter. Salaries and employee benefits expense decreased $0.6 million, or 1.0%, linked-quarter principally due to reduced compensation expense and the seasonal decline in payroll taxes, which were partially offset by increased commission expense. Other expense declined $0.9 million, or 5.6%, linked-quarter.

(1) Please refer to Consolidated Financial Information, Note 1 – Significant Non-Routine Transactions and Note 7 – Non-GAAP Financial Measures.

Additional Information

As previously announced, Trustmark will conduct a conference call with analysts on Wednesday, July 24, 2024, at 8:30 a.m. Central Time to discuss the Corporation’s financial results. Interested parties may listen to the conference call by dialing (877) 317-3051 or by clicking on the link provided under the Investor Relations section of our website at www.trustmark.com. A replay of the conference call will also be available through Wednesday, August 7, 2024, in archived format at the same web address or by calling (877) 344-7529, passcode 4456612.

Trustmark is a financial services company providing banking and financial solutions through offices in Alabama, Florida, Georgia, Mississippi, Tennessee and Texas.

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,” “anticipate,” “intend,” “believe,” “estimate,” “predict,” “project,” “potential,” “seek,” “continue,” “could,” “would,” “future” or the negative of those terms or other words of similar meaning. You should read statements that contain these words carefully because they discuss our future expectations or state other “forward-looking” information. These forward-looking statements include, but are not limited to, statements relating to anticipated future operating and financial performance measures, including net interest margin, credit quality, business initiatives, growth opportunities and growth rates, among other things, and encompass any estimate, prediction, expectation, projection, opinion, anticipation, outlook or statement of belief included therein as well as the management assumptions underlying these forward-looking statements. You should be aware that the occurrence of the events described under the caption “Risk Factors” in Trustmark’s filings with the Securities and Exchange Commission (SEC) could have an adverse effect on our business, results of operations and financial condition. Should one or more of these risks materialize, or should any such underlying assumptions prove to be significantly different, actual results may vary significantly from those anticipated, estimated, projected or expected.

Risks that could cause actual results to differ materially from current expectations of Management include, but are not limited to, actions by the Board of Governors of the Federal Reserve System (FRB) that impact the level of market interest rates, local, state, national and international economic and market conditions, conditions in the housing and real estate markets in the regions in which Trustmark operates and the extent and duration of the current volatility in the credit and financial markets, changes in the level of nonperforming assets and charge-offs, an increase in unemployment levels and slowdowns in economic growth, changes in our ability to measure the fair value of assets in our portfolio, material changes in the level and/or volatility of market interest rates, the impacts related to or resulting from bank failures and other economic and industry volatility, including potential increased regulatory requirements, the demand for the products and services we offer, potential unexpected adverse outcomes in pending litigation matters, our ability to attract and retain noninterest-bearing deposits and other low-cost funds, competition in loan and deposit pricing, as well as the entry of new competitors into our markets through de novo expansion and acquisitions, economic conditions, changes in accounting standards and practices, including changes in the interpretation of existing standards, that affect our consolidated financial statements, changes in consumer spending, borrowings and savings habits, technological changes, changes in the financial performance or condition of our borrowers, greater than expected costs or difficulties related to the integration of acquisitions or new products and lines of business, cyber-attacks and other breaches which could affect our information system security, natural disasters, environmental disasters, pandemics or other health crises, acts of war or terrorism, and other risks described in our filings with the SEC.

Although we believe that the expectations reflected in such forward-looking statements are reasonable, we can give no assurance that such expectations will prove to be correct. Except as required by law, we undertake no obligation to update or revise any of this information, whether as the result of new information, future events or developments or otherwise.

F. Joseph Rein, Jr.

Senior Vice President

601-208-6898