TRST insider Form 4 shows RSU vesting and 1,764-share tax withholding

Rhea-AI Filing Summary

TrustCo Bank Corp NY Chairman, President & CEO, who is also a director, reported routine equity compensation activity in company stock. On 11/19/2025, 3,483 restricted stock units (RSUs) vested and were settled into an equal number of common shares at an exercise price of $0, reflecting stock awarded previously as compensation.

To cover withholding taxes on this vesting, 1,764 common shares were withheld at a price of $39.70 in an exempt transaction under Rule 16b-3(e). After these transactions, the executive directly owned 299,117 common shares and indirectly owned 89,131 shares through family holdings, along with multiple outstanding RSU awards scheduled to vest in three equal annual installments beginning on November 21, 2024, November 19, 2025, and November 18, 2026.

Insider Trade Summary

3,483 shares exercised/converted

Mixed 6 txns

Insider MCCORMICK ROBERT J

Role CHAIRMAN, PRESIDENT & CEO

Type	Security	Shares	Price	Value
Exercise	RESTRICTED STOCK UNIT	3,483	$0.00	--
Exercise	COMMON STOCK	3,483	$0.00	--
Tax Withholding	COMMON STOCK	1,764	$39.70	$70K
holding	RESTRICTED STOCK UNIT	--	--	--
holding	RESTRICTED STOCK UNIT	--	--	--
holding	COMMON STOCK	--	--	--

Holdings After Transaction: RESTRICTED STOCK UNIT — 6,965 shares (Direct); COMMON STOCK — 300,881 shares (Direct); COMMON STOCK — 89,131 shares (Indirect, BY FAMILY)

Footnotes (1)

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. 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. Each RSU represents a contingent right to receive one share of the Issuer's common stock upon vesting. The RSU's vest in three equal annual installments beginning on November 21, 2024, the first anniversary of the date of the grant. 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.

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

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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)
11/19/2025

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)		3,483	A	$0	300,881	D
COMMON STOCK	11/19/2025		F(2)		1,764	D	$39.7	299,117	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)	11/19/2025		M(1)			3,483	(5)	(5)	COMMON STOCK	3,483	$0	6,965	D
RESTRICTED STOCK UNIT	(3)							(4)	(4)	COMMON STOCK	8,367		8,367	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	11/21/2025
	** Signature of Reporting Person	Date
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