Welcome to our dedicated page for Trustco Bk N Y SEC filings (Ticker: TRST), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for TrustCo Bank Corp NY (TRST), a Nasdaq-listed savings and loan holding company focused on community banking. As an SEC registrant, TrustCo files annual reports on Form 10-K, quarterly reports on Form 10-Q, and current reports on Form 8-K, along with other required documents.
In its periodic reports, TrustCo presents detailed information on net interest income, net interest margin, loan and deposit balances, asset quality, and capital ratios. These filings expand on the themes highlighted in company press releases, such as residential and commercial lending activity, deposit trends, and the performance of its wealth management and financial services operations. Investors can review discussions of credit risk, nonperforming loans, allowance for credit losses, and other risk management topics in these documents.
Current reports on Form 8-K capture material events including quarterly earnings releases, dividend declarations, and stock repurchase program announcements. For example, recent 8-K filings have incorporated press releases about increased quarterly cash dividends and authorizations for share repurchase programs, as well as notices of upcoming earnings releases and related conference calls.
On Stock Titan, TrustCo’s filings are updated in step with new submissions to the SEC’s EDGAR system. AI-powered summaries help explain the key points of lengthy filings, highlighting items such as changes in capital management, dividend decisions, and notable shifts in loan and deposit metrics. Users can quickly locate 10-K and 10-Q reports for in-depth financial and risk disclosures, as well as 8-K filings that document specific corporate actions. This makes it easier to understand how TrustCo describes its community banking business, capital position, and shareholder return practices in its official regulatory reporting.
TrustCo Bank Corp NY executive Michael Ozimek, Executive Vice President & CFO, reported Form 4 insider transactions in company stock. On 11/15/2025, he acquired 877 shares of common stock through the exercise and cash settlement of restricted stock units at a stated price of $0, then disposed of 877 shares at $40.10 per share. After these transactions, he beneficially owned 28,725 shares of TrustCo common stock. The filing also shows remaining restricted stock units covering 2,215 and 2,750 shares that vest in three equal annual installments beginning on November 21, 2024 and November 19, 2025, respectively. The remarks note additional shares have been acquired over time through dividend reinvestment and an employee benefit plan with a dividend reinvestment feature.
TrustCo Bank Corp NY (TRST) reported an insider equity transaction by its General Counsel & Secretary. On November 15, 2025, 192 restricted stock units were exercised and settled in cash, corresponding to 192 shares of common stock. The common shares were then disposed of in a transaction at $40.10 per share, leaving the officer with 10,372 shares of common stock held directly after the transaction. The filing also notes remaining restricted stock units covering 1,210 and 541 shares of common stock that vest in future years and will be settled in cash. The remarks state that additional shares have been acquired through a dividend reinvestment and/or employee benefit plan with a dividend reinvestment feature.
TrustCo Bank Corp NY (TRST) Chairman, President and CEO reported equity compensation activity involving restricted stock units and common stock. On November 15, 2025, 3,067 restricted stock units that were awarded on November 15, 2022 vested and were settled in cash, with related entries showing acquisition and disposition of 3,067 shares at a price of $40.10. After these transactions, the reporting person directly owned 297,398 shares of common stock and indirectly owned 89,131 shares through family. The reporting person also continued to hold 8,367 and 10,448 restricted stock units that each represent a right to receive one share of common stock upon vesting in three equal annual installments beginning in November 2024 and November 2025, respectively. The remarks note additional shares acquired through a dividend reinvestment and employee benefit plan.
TrustCo Bank Corp N Y filed a Form 13F reporting its institutional holdings. The report lists 137 Form 13F information table entries with a total reported market value of $111,093,765. The filing is signed by Michael McMahon, Investment Manager, on 11-14-2025.
TrustCo Bank Corp NY reported stronger results for the quarter ended September 30, 2025. Net income rose to $16.3M from $12.9M a year ago, and diluted EPS increased to $0.86 from $0.68. Net interest income improved to $43.1M from $38.7M as higher loan and short‑term investment yields offset deposit costs. The provision for credit losses was $0.25M, down from $0.5M last year.
Total assets were $6.35B and deposits reached $5.48B at quarter‑end. Loans totaled $5.19B, with an allowance for credit losses of $51.9M. Nonperforming loans were $18.5M, primarily in 1–4 family mortgages and home equity exposures. Noninterest income was $4.69M and noninterest expense was $26.24M, broadly flat year over year.
For the nine months, net income was $45.6M versus $37.6M last year, and diluted EPS was $2.41. The company declared a cash dividend of $0.38 per share during the quarter and continued share repurchases. Common shares outstanding were 18,424,019 as of October 31, 2025.
TrustCo Bank Corp NY furnished an 8‑K announcing it issued a press release with results for the quarter ended September 30, 2025. The press release is attached as Exhibit 99(a).
The company’s common stock trades on the Nasdaq Global Select Market under the symbol TRST. The report date is October 21, 2025.
TrustCo Bank Corp NY filed a current report stating that it issued a press release on October 10, 2025. The release announces that the company will disclose its third quarter 2025 financial results on October 21, 2025 and will hold a conference call to discuss those results on October 22, 2025. The report also notes that the press release is included as Exhibit 99(a).
Michael James Hall, General Counsel & Secretary of TrustCo Bank Corp. N.Y. (TRST), reported insider transactions dated 08/27/2025. The filing shows an option exercise (code M) resulting in 225 shares acquired at an exercise price of $32.15, and a sale (code F) of 184 shares at $39.32. After these transactions the reporting person beneficially owns 10,448 shares. The form notes the option award vested earlier and that some additional shares were obtained through the company’s dividend reinvestment/employee plan. Transactions were reported on a Form 4 filed under Section 16.
TrustCo Bank Corp NY disclosed that its Board of Directors approved an increased quarterly cash dividend of $0.38 per share, which equals $1.52 per share on an annualized basis. This new rate represents a 5.6% increase over the company’s prior dividend, signaling a modest step-up in cash returns to shareholders. The dividend is scheduled to be paid on October 1, 2025 to shareholders who are on record as of the close of business on September 5, 2025. The company also noted that more details are available in a press release, which has been filed as an exhibit.
TrustCo Bank Corp NY reported stronger core results for the quarter ended June 30, 2025, with net income of $15.0 million versus $12.6 million a year earlier and EPS of $0.79 versus $0.66. Net interest income rose to $41.7 million from $37.8 million, and net interest income after provision remained higher at $41.1 million. For the six-month period, net income was $29.3 million and comprehensive income improved to $34.8 million compared with $23.6 million a year earlier.
Balance sheet trends show growth in key franchise metrics: total assets were $6.35 billion, loans (net) were $5.16 billion, and deposits increased to $5.49 billion. The allowance for credit losses on loans totaled $51.3 million. The securities portfolio had gross unrealized losses of $21.3 million (mostly residential MBS), which management attributes to interest-rate-driven valuation changes rather than credit deterioration. Cash and equivalents rose to $713.6 million, and operating cash flow remained positive at $28.3 million for the six months.