# TRUSTCO BANK
GLENVILLE, NY · FDIC certificate 31945 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $6.52B | |
| Deposits | $5.68B | |
| Loans and leases | $5.38B | |
| Total equity | $555.8M | |
| Loans / deposits | 93.69% (p70 of band) | 87.10% |
| Liquid assets / assets | 15.38% (p25 of band) | |
| Uninsured deposits / deposits | 21.99% (p22 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.29% (p37 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.38% (p5 of band) | 10.50% |
| Unrealized securities loss / equity | -3.40% (p72 of band) | -7.75% |
| AOCI / equity | -0.55% (p33 of band) | |
| ROA (annualized) | 1.04% (p33 of band) | 1.26% |
| Net interest margin | 2.87% (p12 of band) | 3.70% |
| Efficiency ratio | 54.79% (p37 of band) | |
| Noncurrent loans | 0.40% (p41 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p8 of band) | |
| Reserve coverage of noncurrent | 248.62% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 8.39% (p9 of band) | |
| Auto loans | $6.0M (0.11% of loans; DQ 0.25%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 741 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 0 |  | leverage <7%, reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 3 | capital falling, reserve under noncurrent, uninsured deposits leaving |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | capital falling, NIM <2.5% |  |
| 2024-06 | 0 |  | capital falling, NIM <2.5% |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-22 [TrustCo Bank Corp NY Q1 2026 Earnings Call Summary - Yahoo Finance](https://news.google.com/rss/articles/CBMikgFBVV95cUxQc3ZFRG5NdWw1bDJ4a3E3OEI2Wnc2a3dRSkpmckR2RVc4YlBReE1QVUF4M3dmZXo3VUN4LUhqbHRlaWZzTTB3YW5RcFloei1YN0ZRZWtEcDFyX3BNYWF4dnZEUFJYcU9vZzc5TzEtSmJ6R1BoZ1pvcERkcE9xQUJwcTg3RURGU0dhMUpUSDFwSHpuQQ?oc=5) · Yahoo Finance
- 2026-09-03 [Bank of New York Mellon Corp Invests $8.86 Million in TrustCo Bank Corp NY $TRST - MarketBeat](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQQ0MyZUxOdzZXVHE4TnhhV3d6dElfek40NUVQZHpxb0otX29uNWxIUXR3aFlHVUo0Uk1JZmVrUFZLaXhuS2RVOE13RFpSSXZ3emZ0YXhZbVUtNlVYRDFFWTViSWVwTVJYZG1nQVNYbThxSTZfYkhoMUxCNWg5N1p3WWlzTGN2T2VLWUJUM0xJT0VMVVkxazViYUQxczYxd0c0RFRreUtwMkxtek9rMmlpaDVzb01ucDF6YzhhQUpFUEl4T2VZT1BLU3QyTWMyLWVBUlBXTA?oc=5) · MarketBeat
- 2026-07-22 [Earnings call transcript: TrustCo Bank posts stronger Q2 2026 profit, stock steady - Investing.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQWlJ3TEJJbTVMX05BYjVzYlpfWnRmSkEyNFNfQW1CYXZkYXJ2RXVETDQ1VGRSekY3NlpsZllGR3dEb2w5c1EyT0JKeU1VN3J2azVsV0R2bDRFcFdldTFzRF9rTnlIc2llRTJRY3JGaTRIUEM3YmlEbXo1RnNvZjFtaDN4bnV3aE1KZG5YX0tzVWxVXzNPMDU1OGFtSktucUhMZ0sxc001NS1YbjVEODdlWmFQUnF1S0xMSGtMOHNfQVh1czllN2VZOVJsNWY5czdobHc?oc=5) · Investing.com
- 2026-02-09 [Trustco Bank C-suite executive to retire - The Business Journals](https://news.google.com/rss/articles/CBMiigFBVV95cUxQc3N0VkVseEV6YkJWNkVjNTZkSVdXajh3UGtFU0dGbV9XdGZES2w4LVcxMXdkQl9YeGpPemYycDljUFF6N1M4V3JuNS1zSmhwRWtrTngyUVBUbDFmTEx3UG0xUDhSbWJ0TEZGWGhNUHpoS2ZkQWIydWN5cUM0WnZBNW5wTUp4ejFHOHc?oc=5) · The Business Journals
- 2026-08-19 [TrustCo Bank Announces Increased Quarterly Cash Dividend - The Globe and Mail](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNbjNVMkxGTU9yN1ZRQnVFTkVvOFVZemJfRFJqNU5SQk1jLXhveTJJVzVXV0xoN1FyU19Eck5VNkI3X1h4aHgxX1ZRNVctTGFNMGtsSVRnd1lpbG5sNnI4bzhtdm1kNzJZSFJTVGcwa25QbXJxdkZmc2pzOW43ZHFtY3h2US1JbE9Lc0xYd1huWDZGTERYQUFLNWxTc3BRZThrcU83d0hTMXg1b24zLTRaN2xZM1M1SlJTVklwRjI5WUVIVW1jaHU5RExhN09CSFhtT3lNMWhlUUdJWk0?oc=5) · The Globe and Mail
- 2026-07-22 [TrustCo Bank Corp NY (TRST) Stock EPS Growth Tests Long‑Term Bearish Narratives - simplywall.st](https://news.google.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?oc=5) · simplywall.st
- 2026-07-10 [TrustCo to Release Second Quarter 2026 Results on July 21, 2026; Conference Call on July 22, 2026 - GlobeNewswire](https://news.google.com/rss/articles/CBMi_wFBVV95cUxOTWZHUU5YejdGZTRTQWtRSWZCOVV5S0JCcUROSzVMNUJLbVYyN0l0RzYzeXFDMEI0YzhFTG5VSFNlNm5GZzA5VUFiUlJvNUpjS2NuLV9iRGNCOXI3a1QzbmRQZ1VwNV9BSlNNRHpHRE1LdWhVX2RXNGpVdVdsTHZjZkxGUjg2ZkRZVGlsVVd0VE1FbUVYSjd4MG1BdUNWVldmUU9rc1FLTTYxZ0xzN08ySHFlSlAza2t2anJXOVAxTUFJbG9Td0xXbzVKYjl3ZklJbVg5cGo5MFRlcUJ5b0tkakdNS05hMWZjUjA0d1JKUXl0Nm1nOG5vb29jRGlKdUk?oc=5) · GlobeNewswire
- 2026-02-04 [TrustCo Bank: Mortgage Repricing And A Big Buyback Program (NASDAQ:TRST) - Seeking Alpha](https://news.google.com/rss/articles/CBMinwFBVV95cUxQTVlqekNnMVRXdm5lU2VTVUJ3cmxFU2RKdGFMRkRsdHhGQWxTNjdCdy1lbGt6ZW5scU1lTWdwNEZvWVNJbDJ3czliWWhyWWQ0cE9VRHlZOWFEZjF0YThBUkVpanQtdUtTR1BfZ29aalVlUGotZDA2WWpUeGx1M2ZLSjJoOFBQWlpuTTNpRzRfTHpydEpkbkd2cmRnMF9Od3c?oc=5) · Seeking Alpha

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31945 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/9.json (key "31945", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide