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

Rhea-AI Filing Summary

TrustCo Bank Corp NY (TRST) Chairman, President & CEO and Director reported routine equity compensation activity on a Form 4. On 11/21/2025, 4,184 shares of common stock were acquired at $0 upon the vesting and settlement of restricted stock units (RSUs), which convert into common stock on a one-for-one basis. In a separate exempt transaction under Rule 16b-3(e), 2,112 shares were withheld at $41.54 per share to cover taxes due on the RSU vesting.

After these transactions, the reporting person directly beneficially owned 301,189 shares of common stock, plus 89,131 shares held indirectly by family. The filing also shows outstanding RSUs for 4,183, 6,965, and 9,934 underlying shares of common stock, each vesting in three equal annual installments beginning on November 21, 2024, November 19, 2025, and November 18, 2026, respectively.

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

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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^*

MCCORMICK ROBERT J

(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)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	CHAIRMAN, PRESIDENT & CEO

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(1)		4,184	A	$0	303,301	D
COMMON STOCK	11/21/2025		F(2)		2,112	D	$41.54	301,189	D
COMMON STOCK								89,131	I	BY FAMILY

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	(3)	11/21/2025		M(1)			4,184	(4)	(4)	COMMON STOCK	4,184	$0	4,183	D
RESTRICTED STOCK UNIT	(3)							(5)	(5)	COMMON STOCK	6,965		6,965	D
RESTRICTED STOCK UNIT	(3)							(6)	(6)	COMMON STOCK	9,934		9,934	D

Explanation of Responses:

1. Represents the vesting and settlement of restricted stock units ("RSUs"), which convert into common stock of the Issuer on a one-for-one basis.

2. In an exempt transaction pursuant to Rule 16b-3(e), shares of the Issuer's common stock were withheld by the Issuer for the payment of withholding taxes due upon the vesting of RSUs.

3. Each RSU represents a contingent right to receive one share of the Issuer's common stock upon vesting.

4. The RSU's vest in three equal annual installments beginning on November 21, 2024, the first anniversary of the date of the grant.

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

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

Remarks:

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

	/S/ MICHAEL M OZIMEK, BY POWER OF ATTORNEY	11/24/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did TRST report on this Form 4?

The Form 4 reports the vesting and settlement of 4,184 restricted stock units (RSUs) into common stock, along with a tax-withholding share disposition related to that vesting.

Who is the reporting person in the TRST Form 4 and what is their role?

The reporting person is the Chairman, President & CEO and a Director of TrustCo Bank Corp NY (TRST), as indicated in the filing.

How many TRST shares were acquired and at what price in the RSU vesting?

4,184 shares of TRST common stock were acquired upon RSU vesting at an exercise price of $0, reflecting the conversion of previously granted RSUs.

How many TRST shares were withheld for taxes in this transaction?

The issuer withheld 2,112 shares of common stock at a price of $41.54 per share to pay withholding taxes due on the RSU vesting, in an exempt Rule 16b-3(e) transaction.

What is the reporting person’s TRST share ownership after the reported transactions?

Following the transactions, the reporting person beneficially owned 301,189 shares of TRST common stock directly and 89,131 shares indirectly through family holdings.

What restricted stock units (RSUs) does the TRST insider still hold and when do they vest?

The insider holds RSUs covering 4,183, 6,965, and 9,934 shares of common stock. These vest in three equal annual installments beginning on November 21, 2024, November 19, 2025, and November 18, 2026, respectively.

Does the TRST Form 4 mention dividend reinvestment or benefit plans?

Yes. The remarks note additional shares acquired through the reporting person’s participation in a dividend reinvestment and/or employee benefit plan with a dividend reinvestment feature.