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

Rhea-AI Filing Summary

TrustCo Bank Corp NY (TRST) reported insider activity by its EVP & Chief Operating Officer on a Form 4. On 11/21/2025, 1,600 restricted stock units (RSUs) vested and were settled into the same number of common shares at an exercise price of $0, reflecting the conversion of RSUs into stock on a one-for-one basis. In a separate transaction, 755 common shares were withheld at a price of $41.54 to cover withholding taxes related to the RSU vesting.

After these transactions, the officer beneficially owned 35,590 common shares directly and 1,270 shares indirectly through family. The officer also held derivative positions in RSUs covering 1,599, 2,567 and 4,076 underlying common shares, which vest in three equal annual installments beginning on November 21, 2024, November 19, 2025, and November 18, 2026, respectively. Additional shares were acquired through participation in a dividend reinvestment and/or employee benefit plan with a dividend reinvestment feature.

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^*

LEONARD ROBERT M

(Last) (First) (Middle)

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)
	EVP & CHIEF OPERATING OFFICER

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)		1,600	A	$0	36,345	D
COMMON STOCK	11/21/2025		F(2)		755	D	$41.54	35,590	D
COMMON STOCK								1,270	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)			1,600	(4)	(4)	COMMON STOCK	1,600	$0	1,599	D
RESTRICTED STOCK UNIT	(3)							(5)	(5)	COMMON STOCK	2,567		2,567	D
RESTRICTED STOCK UNIT	(3)							(6)	(6)	COMMON STOCK	4,076		4,076	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 SHARE 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
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).
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FAQ

What insider transaction did TRST report on this Form 4?

The Form 4 reports that the EVP & Chief Operating Officer of TrustCo Bank Corp NY (TRST) had 1,600 RSUs vest and settle into common stock on 11/21/2025, with related tax withholding through shares.

How many TRST shares vested and at what price on 11/21/2025?

On 11/21/2025, 1,600 restricted stock units vested and converted into 1,600 common shares of TRST at an exercise price of $0, reflecting standard RSU settlement.

How many TRST shares were used to cover taxes on the RSU vesting?

A total of 755 TRST common shares were withheld at a price of $41.54 in an exempt transaction under Rule 16b-3(e) to pay withholding taxes due upon RSU vesting.

What is the TRST insider’s ownership after these transactions?

Following the reported activity, the officer beneficially owned 35,590 TRST common shares directly and 1,270 shares indirectly through family, in addition to several RSU awards.

What RSU awards does the TRST officer continue to hold?

The officer holds RSUs linked to 1,599, 2,567 and 4,076 underlying TRST common shares. These RSUs vest in three equal annual installments beginning on November 21, 2024, November 19, 2025 and November 18, 2026, respectively.

What role does the reporting person hold at TrustCo Bank Corp NY (TRST)?

The reporting person is an officer of TrustCo Bank Corp NY, serving as EVP & Chief Operating Officer, and filed the Form 4 as a single reporting person.

How were additional TRST shares acquired by the insider?

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