TrustCo Bank VP buys 436 shares for child

A TRST vice president is linked to a small open-market purchase for a child’s UGMA account while maintaining additional direct and indirect share holdings.

Rhea-AI Filing Summary

TRUSTCO BANK CORP N Y (TRST) reported that officer Lauren Ann McCormick was associated with an indirect purchase of 436 shares of common stock on September 2, 2026 at $57.34 per share through a custodial account for her child. The shares are held indirectly as UGMA custodian, and she disclaims beneficial ownership to the extent she does not have a pecuniary interest. Following this transaction, reported positions include 539 shares in the UGMA custodial account, 533 shares held directly, 42,923 shares held indirectly by spouse, and 1,756 shares held indirectly as trustee for a child; no Rule 10b5-1 trading plan is reported.

Insider Trade Summary

Net Buyer: 436 shares

Net Buy 4 txns

Insider McCormick Lauren Ann

Role VP,Treasurer, Asst. Corp. Sec.

Bought 436 shs ($25K)

Type	Security	Shares	Price	Value
Purchase	COMMON STOCK F1	436	$57.34	$25K
holding	COMMON STOCK	--	--	--
holding	COMMON STOCK	--	--	--
holding	COMMON STOCK	--	--	--

Holdings After Transaction: COMMON STOCK — 539 shares (Indirect, AS UGMA CUSTODIAN FOR CHILD); COMMON STOCK — 533 shares (Direct); COMMON STOCK — 42,923 shares (Indirect, BY SPOUSE); COMMON STOCK — 1,756 shares (Indirect, AS TRUSTEE FOR CHILD)

Footnotes (1)

1. F1. Acquisition for child by custodial account established pursuant to the Uniform Gifts to Minors Act. The reporting person disclaims beneficial ownership of these shares to the extent that she does not have a pecuniary interest therein, and this report should not be deemed an admission that the reporting person is the beneficial owner of these shares for purposes of Section 16 or for any other purpose.

Key Figures

Shares purchased: 436 shares Purchase price per share: $57.34 per share UGMA custodial account holdings: 539 shares +3 more

6 metrics

Shares purchased 436 shares Common stock acquired on September 2, 2026 in UGMA custodial account

Purchase price per share $57.34 per share Price for 436-share common stock purchase on September 2, 2026

UGMA custodial account holdings 539 shares Indirect holdings for child after the reported purchase

Direct holdings 533 shares Common stock held directly by the reporting person after the event

Indirect holdings by spouse 42,923 shares Common stock reported as indirectly owned through spouse

Indirect holdings as trustee for child 1,756 shares Common stock held indirectly as trustee for a child

Key Terms

Uniform Gifts to Minors Act, pecuniary interest, beneficial owner, UGMA custodian

4 terms

Uniform Gifts to Minors Act regulatory

"custodial account established pursuant to the Uniform Gifts to Minors Act"

pecuniary interest financial

"disclaims beneficial ownership of these shares to the extent that she does not have a pecuniary interest"

beneficial owner regulatory

"should not be deemed an admission that the reporting person is the beneficial owner of these shares"

A beneficial owner is the person who ultimately owns or controls a financial asset or property, even if their name isn't directly on official documents. Think of it like someone who secretly holds the keys to a safe deposit box—others may appear to have access, but the true owner is the one who benefits from what's inside. Identifying beneficial owners helps ensure transparency and prevent illegal activities like money laundering or fraud.

UGMA custodian financial

"indirect ownership described as AS UGMA CUSTODIAN FOR CHILD"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did TRUSTCO BANK CORP N Y (TRST) report for September 2, 2026?

The company reported an indirect purchase of 436 TRST shares of common stock on September 2, 2026 at $57.34 per share, made through a UGMA custodial account for a child associated with officer Lauren Ann McCormick.

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

The reporting person is Lauren Ann McCormick, who serves as Vice President, Treasurer, and Assistant Corporate Secretary of TRUSTCO BANK CORP N Y, and she reported the indirect purchase and related holdings of the company’s common stock.

How many TRST shares were held in the child’s UGMA account after the transaction?

After the September 2, 2026 transaction, the filing reports 539 TRST shares of common stock held indirectly in the UGMA custodial account for the child associated with Lauren Ann McCormick.

What are Lauren Ann McCormick’s total reported direct and indirect TRST holdings after the Form 4 event?

The filing reports 533 TRST shares held directly, 42,923 shares held indirectly by spouse, 1,756 shares held indirectly as trustee for a child, and 539 shares in a UGMA custodial account, each classified by its own ownership nature.

Does the TRST Form 4 state that the purchase was under a Rule 10b5-1 trading plan?

No. The document-level checkbox indicates no Rule 10b5-1 trading plan, and there is no footnote stating that the September 2, 2026 purchase was made pursuant to such a pre-arranged trading plan.

How does the Form 4 describe Lauren Ann McCormick’s beneficial ownership of the UGMA shares?

A footnote states that the UGMA account was established under the Uniform Gifts to Minors Act, and that she disclaims beneficial ownership of these shares to the extent she does not have a pecuniary interest in them.

AI-generated analysis. How Rhea-AI works. Not financial advice.

Form 4 Insider Transactions: What Each Field Means →

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Available on EDGAR 09/03/2026 - 02:41 PM EDT Accepted by SEC EDGAR 09/03/2026 - 02:40 PM EDT Learn about SEC filing dates

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
Estimated average burden
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^*

McCormick Lauren Ann

(Last) (First) (Middle)

C/O TRUSTCO BANK CORP NY

5 SARNOWSKI DRIVE

(Street)

GLENVILLE NEW YORK 12302

(City) (State) (Zip)

UNITED STATES

(Country)

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)
	VP,Treasurer, Asst. Corp. Sec.

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/02/2026

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

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

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

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	09/02/2026		P(1)		436	A	$57.34	539	I	AS UGMA CUSTODIAN FOR CHILD
COMMON STOCK								533	D
COMMON STOCK								42,923	I	BY SPOUSE
COMMON STOCK								1,756	I	AS TRUSTEE FOR CHILD

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

Explanation of Responses:

1. Acquisition for child by custodial account established pursuant to the Uniform Gifts to Minors Act. The reporting person disclaims beneficial ownership of these shares to the extent that she does not have a pecuniary interest therein, and this report should not be deemed an admission that the reporting person is the beneficial owner of these shares for purposes of Section 16 or for any other purpose.

	/S/MICHAEL M. OZIMEK, BY POWER OF ATTORNEY	09/03/2026
	** 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.
* Form 4: SEC 1474 (03-26)