[Form 4] TRUSTCO BANK CORP N Y Insider Trading Activity

Rhea-AI Filing Summary

TrustCo Bank Corp N.Y. (TRST) reported an insider equity transaction by its General Counsel & Secretary on 11/21/2025. A block of 271 restricted stock units converted based on the value of common stock and was settled in cash, with a matching disposition of 271 shares of common stock at $41.54 reported in Table I. Following these transactions, the reporting person directly beneficially owns 10,372 shares of common stock.

The filing also shows continuing equity incentives: 270 restricted stock units tied to cash value, plus additional grants covering 807 shares and 2,547 shares of common stock that vest in three annual installments beginning on November 19, 2025 and November 18, 2026, respectively. The remarks note that additional shares were acquired through participation in a dividend reinvestment and/or employee benefit plan with a dividend reinvestment feature.

Insider Trade Summary

271 shares exercised/converted

Mixed 5 txns

Insider HALL MICHAEL JAMES

Role GENERAL COUNSEL & SECRETARY

Type	Security	Shares	Price	Value
Exercise	RESTRICTED STOCK UNIT	271	$0.00	--
Exercise	COMMON STOCK	271	$0.00	--
Disposition	COMMON STOCK	271	$41.54	$11K
holding	RESTRICTED STOCK UNIT	--	--	--
holding	RESTRICTED STOCK UNIT	--	--	--

Holdings After Transaction: RESTRICTED STOCK UNIT — 270 shares (Direct); COMMON STOCK — 10,643 shares (Direct)

Footnotes (1)

1. Reflects cash settlement of restricted stock units that settled only for cash. Each restricted stock unit represents a contingent right to receive a payment in cash equal to the value of one share of Issuer Common Stock on the settlement date. The restricted stock units vest in three equal annual installments beginning on November 21, 2024. One third of the restricted stock units awarded November 21, 2023 "vested" on November 21, 2025 and were settled in cash. The RSU's vest in three equal annual installments beginning on November 19, 2025, the first anniversary of the date of the grant. The RSU's vest in three equal annual installments beginning on November 18, 2026, the first anniversary of the date of the grant. Each restricted stock unit represents a contingent right to receive a payment in cash to the fair market value of issued common stock, as determined on the date of the vesting of the restricted stock unit. Each restricted stock unit represents a contingent right to receive one share of the Issuer's common stock upon vesting.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
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hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

HALL MICHAEL JAMES

(Last) (First) (Middle)

C/O TRUSTCO BANK CORP NY

5 SARNOWSKI DRIVE

(Street)

GLENVILLE NY 12302

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
TRUSTCO BANK CORP N Y [ TRST ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	GENERAL COUNSEL & SECRETARY

3. Date of Earliest Transaction (Month/Day/Year)
11/21/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
COMMON STOCK	11/21/2025		M		271	A(1)(3)	$0(2)	10,643	D
COMMON STOCK	11/21/2025		D		271	D(1)(3)	$41.54	10,372	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
RESTRICTED STOCK UNIT	(2)	11/21/2025		M		271		(3)	(3)	COMMON STOCK	271	$0	270	D
RESTRICTED STOCK UNIT	(6)							(4)	(4)	COMMON STOCK	807		807	D
RESTRICTED STOCK UNIT	(7)							(5)	(5)	COMMON STOCK	2,547		2,547	D

Explanation of Responses:

1. Reflects cash settlement of restricted stock units that settled only for cash.

2. Each restricted stock unit represents a contingent right to receive a payment in cash equal to the value of one share of Issuer Common Stock on the settlement date. The restricted stock units vest in three equal annual installments beginning on November 21, 2024.

3. One third of the restricted stock units awarded November 21, 2023 "vested" on November 21, 2025 and were settled in cash.

4. The RSU's vest in three equal annual installments beginning on November 19, 2025, the first anniversary of the date of the grant.

5. The RSU's vest in three equal annual installments beginning on November 18, 2026, the first anniversary of the date of the grant.

6. Each restricted stock unit represents a contingent right to receive a payment in cash to the fair market value of issued common stock, as determined on the date of the vesting of the restricted stock unit.

7. Each restricted stock unit represents a contingent right to receive one share of the Issuer's common stock upon vesting.

Remarks:

ADDITIONAL SHARES ACQUIRED BY REPORTING PERSON'S PARTICIPATION IN DIVIDEND REINVESTMENT AND/OR EMPLOYEE BENEFIT PLAN WITH DIVIDEND REINVESTMENT FEATURE.

	/S/ MICHAEL M. OZIMEK, BY POWER OF ATTORNEY	11/24/2025
	** Signature of Reporting Person	Date
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