TrustCo Bank VP buys TRST shares for child account

TrustCo Bank Corp NY VP, Treasurer and Assistant Corporate Secretary Lauren Ann McCormick reported a purchase of 103 shares of common stock of TRUSTCO BANK CORP N Y on 2026-08-12 at $56.51 per share.

Rhea-AI Filing Summary

TrustCo Bank Corp NY VP, Treasurer and Assistant Corporate Secretary Lauren Ann McCormick reported a purchase of 103 shares of common stock of TRUSTCO BANK CORP N Y on 2026-08-12 at $56.51 per share. The shares are held indirectly as UGMA custodian for a child, and McCormick disclaims beneficial ownership to the extent she has no pecuniary interest in them. On the same date she also reported 533 shares held directly, 42,923 shares held indirectly by spouse, and 1,756 shares held indirectly as trustee for a child.

Insider Trade Summary

Net Buyer: 103 shares

Net Buy 4 txns

Insider McCormick Lauren Ann

Role VP,Treasurer, Asst. Corp. Sec.

Bought 103 shs ($6K)

Type	Security	Shares	Price	Value
Purchase	COMMON STOCK F1	103	$56.51	$6K
holding	COMMON STOCK	--	--	--
holding	COMMON STOCK	--	--	--
holding	COMMON STOCK	--	--	--

Holdings After Transaction: COMMON STOCK — 103 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: 103 shares Purchase price: $56.51 per share Direct holdings after reporting date: 533 shares +2 more

5 metrics

Shares purchased 103 shares Common stock bought on 2026-08-12

Purchase price $56.51 per share Common stock purchase on 2026-08-12

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

Indirect holdings by spouse 42,923 shares Common stock held indirectly by spouse

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

Key Terms

Uniform Gifts to Minors Act, UGMA custodian, pecuniary interest, beneficial ownership, +1 more

5 terms

Uniform Gifts to Minors Act regulatory

"Acquisition for child by custodial account established pursuant to the Uniform Gifts to Minors Act."

UGMA custodian financial

"The shares are held indirectly as UGMA custodian for a child."

pecuniary interest financial

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

beneficial ownership financial

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

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

Section 16 regulatory

"beneficial owner of these shares for purposes of Section 16 or for any other purpose."

Section 16 is a U.S. securities law rule that governs the trading and disclosure obligations of company insiders — typically officers, directors and large shareholders — to promote transparency and deter unfair profit-taking. It requires insiders to publicly report their stock trades and allows companies or the issuer to reclaim quick, short-term profits from certain insider trades, like a scoreboard and a refund policy that help investors see and limit possible insider advantage.

FAQ

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

What did TrustCo Bank Corp NY (TRST) insider Lauren Ann McCormick report in this Form 4?

Lauren Ann McCormick reported buying 103 TRST common shares on 2026-08-12 at $56.51 per share. The shares are held indirectly as UGMA custodian for a child, with beneficial ownership disclaimed where no pecuniary interest exists.

Was the TRST Form 4 transaction by Lauren Ann McCormick a buy or a sell?

The reported TRST transaction was a purchase. McCormick acquired 103 shares of common stock at $56.51 per share in an open-market or private transaction, held indirectly through a custodial account for a child.

How many TrustCo Bank Corp NY (TRST) shares does Lauren Ann McCormick report holding after the transactions?

McCormick reports 533 TRST shares held directly, plus 103 shares as UGMA custodian for a child, 42,923 shares held indirectly by spouse, and 1,756 shares held indirectly as trustee for a child, with certain beneficial ownership disclaimed.

How are the newly purchased TRST shares held for Lauren Ann McCormick’s Form 4 transaction?

The 103 purchased TRST shares are held indirectly in a custodial account established under the Uniform Gifts to Minors Act for a child. McCormick disclaims beneficial ownership to the extent she lacks a pecuniary interest.

Does Lauren Ann McCormick’s TRST Form 4 indicate a Rule 10b5-1 trading plan?

The Form 4 indicates the Rule 10b5-1 checkbox is not affirmed. The transaction is described as a purchase in open market or private transaction, with no accompanying footnote stating it was pursuant to a 10b5-1 plan.

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

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Available on EDGAR 08/14/2026 - 02:58 PM Accepted by SEC EDGAR 08/14/2026 - 02:58 PM 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)
08/12/2026

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	08/12/2026		P(1)		103	A	$56.51	103	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	08/14/2026
	** 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)