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

Rhea-AI Filing Summary

TrustCo Bank Corp NY (TRST) executive Michael M. Ozimek reported routine equity transactions related to restricted stock units (RSUs). On 11/19/2025, 1,100 RSUs vested and were settled into an equal number of common shares at an exercise price of $0, reflecting a standard equity compensation event. On the same date, 455 common shares were withheld at a price of $39.70 per share to cover tax obligations from the RSU vesting.

After these transactions, Ozimek directly owned 39,572 shares of common stock and indirectly held 152 shares through a family account. He also continued to hold RSUs covering 2,215 and 3,057 underlying common shares that vest in three equal annual installments beginning on specified anniversaries of their grant dates. The filing notes additional shares acquired through dividend reinvestment and employee benefit plan features.

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^*

CURLEY KEVIN M

(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)
	EXECUTIVE VICE PRESIDENT & CBO

3. Date of Earliest Transaction (Month/Day/Year)
11/19/2025

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	11/19/2025		M(1)		1,100	A	$0	40,027	D
COMMON STOCK	11/19/2025		F(2)		455	D	$39.7	39,572	D
COMMON STOCK								152	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)	11/19/2025		M(1)			1,100	(5)	(5)	COMMON STOCK	1,100	$0	2,200	D
RESTRICTED STOCK UNIT	(3)							(4)	(4)	COMMON STOCK	2,215		2,215	D
RESTRICTED STOCK UNIT	(3)							(6)	(6)	COMMON STOCK	3,057		3,057	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:

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

	/S/ MICHAEL M. OZIMEK, BY POWER OF ATTORNEY	11/21/2025
	** 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 executive Michael M. Ozimek report?

On 11/19/2025, Michael M. Ozimek reported the vesting and settlement of 1,100 restricted stock units (RSUs) into an equal number of TrustCo Bank Corp NY (TRST) common shares at an exercise price of $0.

How many TRST shares were withheld for taxes in this Form 4 filing?

The filing shows that 455 TRST common shares were disposed of in an exempt transaction, as they were withheld by the issuer at $39.70 per share to pay withholding taxes due upon RSU vesting.

How many TRST shares does Michael M. Ozimek own after the reported transactions?

Following the reported transactions, Michael M. Ozimek beneficially owned 39,572 TRST common shares directly and 152 shares indirectly through a family account.

What RSU awards linked to TRST stock does Michael M. Ozimek still hold?

After the reported transactions, Ozimek held RSUs tied to 2,215 and 3,057 TRST common shares. These RSUs vest in three equal annual installments beginning on the first anniversaries of their respective grant dates.

How do the reported TRST RSUs vest over time?

The filing explains that each RSU represents a right to receive one TRST share upon vesting, and the RSUs referenced vest in three equal annual installments starting on the first anniversary of their grant dates, such as November 21, 2024, November 19, 2025, and November 18, 2026, depending on the award.

What is the role of Michael M. Ozimek at TrustCo Bank Corp NY?

According to the filing, Michael M. Ozimek is an Officer of TrustCo Bank Corp NY, serving as Executive Vice President & CBO.

How did dividend reinvestment affect Ozimek’s TRST holdings?

The remarks section notes that additional TRST shares were acquired through participation in a dividend reinvestment and/or employee benefit plan with a dividend reinvestment feature.