Inferra AI / Company / TRST
Trustco Bank Corp N Y
TRST · Financials
Last earnings Oct 21, 2026
Key results
TrustCo Announces net incomequarter
26.3%
TrustCo Announces Net Income Up 26.3%
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Net incomequarter
$16.3 million
Net income of $16.3 million, or $0.86 diluted earnings per share, increased 26.3% compared to $12.9 million, or $0.68 diluted earnings per share Net interest margin of 2.79%, up 18 basis points from 2.61% Return on Average Assets of 1.02%, up 21.4% Return on Average Equity of 9.29%
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
EPSquarter
$0.86
Net income of $16.3 million, or $0.86 diluted earnings per share, increased 26.3% compared to $12.9 million, or $0.68 diluted earnings per share Net interest margin of 2.79%, up 18 basis points from 2.61% Return on Average Assets of 1.02%, up 21.4% Return on Average Equity of 9.29%
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
net income of $16.3 million or $0.86 diluted earnings per share, compared to
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
net income of $12.9 million or $0.68 diluted earnings per share for the third quarter 2024
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Net incomeQ3 2025
$45.6 million
net income of $45.6 million or $2.41 diluted earnings per share for the nine months ended September 30, 2025, compared to
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Net incomeytd
$2.41
net income of $45.6 million or $2.41 diluted earnings per share for the nine months ended September 30, 2025, compared to
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
net income of $37.6 million or $1.97 diluted earnings per share for the nine months ended September 30, 2024.
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
This contributed to earnings per share growth of 22% year to date.
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
AI analysis
Q3 2025 · reported Oct 21, 2025
Based on: Earnings release + parent 8-K — transcript not held
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| TrustCo Announces net income | 26.3% | — | — |
| Net income | $16.3 million | — | — |
| EPS | $0.86 | — | — |
Guidance · company-stated
No guidance located in the held release
“Accordingly, increases in the overall provision expense are being driven by loan growth and changes in economic forecasts rather than the deterioration in underlying credit performance.”
Capital allocation
We have an additional 533 thousand, or 2.8% of our outstanding shares, available for future repurchases under the stock repurchase program.
Perhaps most dramatically, we impacted shareholder value by executing our share repurchase program, acquiring 467 thousand shares, with authorization remaining.
Event summary
Trustco Bank Corp N Y Q3 2025 — TrustCo Announces Net Income Up 26.3%
Based on: Earnings release + parent 8-K — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
We have an additional 533 thousand, or 2.8% of our outstanding shares, available for future repurchases under the stock repurchase program.
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Perhaps most dramatically, we impacted shareholder value by executing our share repurchase program, acquiring 467 thousand shares, with authorization remaining.
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Staying true to strategic vision consistently yields dividends, literally.
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
During the third quarter of 2025, the Bank has remained a prudent steward of capital, steadfastly committed to enhancing shareholder value through a disciplined strategic share repurchase program.
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
For the three and nine months ended September 30, 2025, TrustCo purchased 298 thousand, or 1.6%, and 467 thousand, or 2.5%, respectively, of total shares outstanding of TrustCo common stock under the previously announced stock repurchase program.
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
As a result, we have 533 thousand, or 2.8%, of outstanding shares available for repurchase remaining in this program, which if completed will represent a repurchase of one million shares, or 5.3%, of total outstanding shares.
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Strategy & priorities
For the three months ended September 30, 2025, net interest margin expanded to 2.79% from 2.61% in the prior year period, driven by enhanced asset yields and disciplined deposit pricing strategies.
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Our continued focus on solid underwriting within our loan portfolio and conservative lending standards positions us to manage credit risk effectively in the current environment.
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
McCormick said Solid strategic vision accompanied by effective tactical decisions throughout the year are combining to create exceptional results and build momentum that we expect will continue to yield favorable returns to our shareholders.
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Our strategy is to deliver market-leading loan and deposit products, treat people fairly, and build lasting customer relationships.
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Staying true to strategic vision consistently yields dividends, literally.
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Risks & headwinds
For the three months ended September 30, 2025, net interest income increased 11.5% year over year to $43.1 million, fueled by the continued repricing of the loan portfolio to higher yields and careful control of deposit costs, despite persistent competitive challenges.
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Such forward-looking statements are subject to factors and uncertainties that could cause actual results to differ materially for TrustCo from the views, beliefs and projections expressed in such statements.
SEC original ↗Trustco Bank Corp N Y — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
30 documents- Q3 2026
- 8-KTRST
Oct 21, 2026
- 8-KTRST
Oct 13, 2026
- Q2 2026
- 8-KTRST
Sep 16, 2026
- 8-KTRST
Aug 18, 2026
- 10-QTRST
Aug 10, 2026
- 8-KTRST
Jul 21, 2026
- 8-KTRST
Jul 10, 2026
- Q1 2026
- 8-KTRST
May 20, 2026
- 8-KTRST
May 20, 2026
- 10-QTRST
- 8-KTRST
Apr 21, 2026
- 8-KTRST
Apr 10, 2026
- Q4 2025
- 10-KTRST
Mar 16, 2026
- 8-KTRST
Feb 17, 2026
- 8-KTRST
Jan 29, 2026
- 8-KTRST
Jan 29, 2026
- 8-KTRST
Jan 21, 2026
- 8-KTRST
Jan 12, 2026
- Q3 2025
- 8-KTRST
Dec 19, 2025
- 8-KTRST
Nov 19, 2025
- 10-QTRST
- 8-KTRST
Oct 21, 2025
- 8-KTRST
Oct 10, 2025
- Q2 2025
- 8-KTRST
Aug 19, 2025
- 10-QTRST
- 8-KTRST
Jul 21, 2025
- 8-KTRST
Jul 10, 2025
- Q1 2025
- 8-KTRST
May 21, 2025
- 8-KTRST
May 21, 2025
- 10-QTRST
Earnings releases
10 documentsPresentations
0 documentsNo presentations for Trustco Bank Corp N Y are held in this edition of the library.
Transcripts
0 documentsNo transcripts for Trustco Bank Corp N Y are held in this edition of the library.
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