Welcome to our dedicated page for Trustco Bk N Y SEC filings (Ticker: TRST), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for TrustCo Bank Corp NY (TRST), a Nasdaq-listed savings and loan holding company focused on community banking. As an SEC registrant, TrustCo files annual reports on Form 10-K, quarterly reports on Form 10-Q, and current reports on Form 8-K, along with other required documents.
In its periodic reports, TrustCo presents detailed information on net interest income, net interest margin, loan and deposit balances, asset quality, and capital ratios. These filings expand on the themes highlighted in company press releases, such as residential and commercial lending activity, deposit trends, and the performance of its wealth management and financial services operations. Investors can review discussions of credit risk, nonperforming loans, allowance for credit losses, and other risk management topics in these documents.
Current reports on Form 8-K capture material events including quarterly earnings releases, dividend declarations, and stock repurchase program announcements. For example, recent 8-K filings have incorporated press releases about increased quarterly cash dividends and authorizations for share repurchase programs, as well as notices of upcoming earnings releases and related conference calls.
On Stock Titan, TrustCo’s filings are updated in step with new submissions to the SEC’s EDGAR system. AI-powered summaries help explain the key points of lengthy filings, highlighting items such as changes in capital management, dividend decisions, and notable shifts in loan and deposit metrics. Users can quickly locate 10-K and 10-Q reports for in-depth financial and risk disclosures, as well as 8-K filings that document specific corporate actions. This makes it easier to understand how TrustCo describes its community banking business, capital position, and shareholder return practices in its official regulatory reporting.
TrustCo Bank Corp NY reported stronger first quarter 2026 results. Net income was $16.3 million, up from $14.3 million a year earlier, with diluted EPS rising to $0.91 from $0.75. Net interest income grew 10.7% year over year to $44.7 million as loan portfolio repricing and disciplined deposit pricing expanded net interest margin to 2.84% from 2.64%.
Total loans reached about $5.29 billion, with average loans up $158.9 million or 3.1%, while average deposits increased $157.7 million or 2.9%. Asset quality remained solid, with nonperforming loans at $21.5 million, or 0.41% of total loans, and an allowance for credit losses of $53.0 million, or 1.00% of total loans.
TrustCo continued active capital return, repurchasing 522 thousand shares, or 2.9% of outstanding common stock, under a 2026 program authorizing up to two million shares. Book value per share increased to $38.32 from $36.16, with the equity-to-assets ratio at 10.31% and a quarterly dividend of $0.38 per share.
TrustCo Bank Corp NY announced timing for its upcoming first quarter 2026 financial disclosure. The company will release results after the market close on April 21, 2026, and host a conference call at 9:00 a.m. Eastern Time on April 22, 2026.
Investors can join the call toll-free in the U.S. and Canada at 1-888-672-2415 using Conference ID 4207347, or listen via an audio webcast. A replay will be available for thirty days by phone and for one year via webcast. TrustCo is a $6.4 billion savings and loan holding company operating 133 offices across five states.
TrustCo Bank Corp NY is holding its 2026 Annual Meeting on May 19, 2026 at 10:30 AM Eastern in Albany, New York to vote on four key proposals. Shareholders of record as of March 23, 2026, when 17,506,881 common shares were outstanding, are entitled to one vote per share.
Items include electing nine directors to one-year terms, approving an amendment to the 2019 Equity Incentive Plan to increase the share reserve by 500,000 shares (from 700,000 to 1,200,000), an advisory say-on-pay vote on executive compensation, and ratifying Crowe LLP as independent auditor. As of March 23, 2026, 240,798 RSUs were outstanding and 73,215 shares remained available for future awards, with a three-year average equity burn rate of 0.57%.
The board highlights majority voting, an annual election structure, a lead independent director, and committee independence. Three of nine nominees self-identify as women, one as Black or African American, and one disclosed a disability. Shareholder engagement reached holders representing approximately 61% of shares, with conversations covering about 35% of outstanding shares. In 2025, 78% of outstanding shares supported the say-on-pay proposal.
TrustCo Bank Corp: The Vanguard Group filed Amendment No. 8 to a Schedule 13G/A reporting beneficial ownership of 0 shares of Common Stock, representing 0% of the class as reported with a 03/13/2026 time anchor. The filing explains Vanguard completed an internal realignment on January 12, 2026 and certain subsidiaries now report beneficial ownership separately in reliance on SEC Release No. 34-39538. The filing is signed by Ashley Grim, Head of Global Fund Administration, dated 03/27/2026.
TrustCo Bank Corp NY is a community-focused savings and loan holding company headquartered in Glenville, New York. As of December 31, 2025, it reported $6.4 billion in total assets and $5.6 billion in deposits, operating through 134 branches and 154 ATMs across New York, Florida, Vermont, Massachusetts, and New Jersey.
The company emphasizes traditional retail and commercial banking, residential and commercial real estate lending, and trust and investment services, with approximately $1.27 billion of assets under trust, custody, or management. Capital levels are strong: at year-end 2025 the bank’s CET1 and Tier 1 capital ratios were 13.98%, total capital ratio 15.23%, and leverage ratio 8.06%, while the holding company’s CET1 ratio was 18.54% and total capital ratio 19.80%, supporting a well-capitalized profile.
TrustCo outlines a dense regulatory environment, including capital, CRA, AML, cybersecurity, privacy, and consumer protection rules, and highlights specific programs for cannabis banking and climate-related risk management. Human capital is a focus, with 819 employees, substantial training hours, internal promotion, equity awards extended deeper into the organization, and detailed diversity metrics. The company notes that interest rate movements, commercial real estate trends, regulatory changes, and climate risks could materially affect future performance.
TrustCo Bank Corp NY executive Kevin M. Curley bought shares of the company’s stock. As Executive Vice President and COO, he made an open-market purchase of 588 shares of common stock at $42.55 per share. After this trade, he directly holds 40,984 shares, and 152 additional shares are held indirectly by his wife.
TrustCo Bank Corp NY announced that its Board of Directors declared a quarterly cash dividend of $0.38 per share, equal to $1.52 per share on an annualized basis. The dividend will be paid on April 1, 2026 to shareholders of record as of March 6, 2026.
Management highlighted the dividend, alongside a share repurchase program and focus on solid business results, as central to its long-term shareholder value strategy. TrustCo is a $6.4 billion savings and loan holding company operating 134 offices across five states through its Trustco Bank subsidiary.
TRUSTCO BANK CORP N Y filed a Form 13F reporting institutional holdings with a Form 13F Information Table Value Total of $110,952,561 and 133 reported entries. The filing is signed by Michael McMahon, Investment Manager, on 02-12-2026.
Systematic Financial Management reported beneficial ownership of 1,175,389 shares of TrustCo Bank Corp NY common stock as of 12/31/2025, representing 6.33% of the outstanding class.
The firm has sole voting power over 671,514 shares and sole dispositive power over 1,175,389 shares, with no shared voting or dispositive power. The securities are certified as acquired and held in the ordinary course of business, not for the purpose of changing or influencing control of the company.