TrustCo Bank Corp NY (TRST) Financials: History & Chart

TrustCo Bank Corp NY(TRST)

Banks - Regional · Glenville, NY

$55.11-0.07 (-0.13%)

Delayed quote: Oct 6, 2026, 3:50 PM EDT

About TrustCo Bank Corp NY

TrustCo Bank Corp NY functions as the parent entity for Trustco Bank, a federally regulated savings institution. This subsidiary delivers a comprehensive suite of banking solutions, addressing the financial needs of private individuals, partnerships, and corporate clients alike. Its core activities encompass accepting customer deposits, extending loans, and facilitating investment opportunities. Beyond its conventional banking operations, the corporation also holds the status of a real estate investment trust (REIT). In this capacity, it procures, retains, and oversees a portfolio of real estate mortgage assets, including residential home loans and various mortgage-backed securities. Furthermore, TrustCo Bank Corp NY assumes significant fiduciary responsibilities. It serves as an executor for estates and acts as a trustee for personal trusts. The company also provides specialized asset and wealth management, insightful estate planning guidance, and secure custodial services. Additionally, it administers a range of employee benefit plans, corporate pension schemes, and profit-sharing trusts as a dedicated trustee. By the close of 2021 (December 31st), its extensive operational network included 147 banking branches and 163 automated teller machines (ATMs). These facilities are strategically located across five states: New York, New Jersey, Vermont, Massachusetts, and Florida. Established in 1902, the company maintains its principal executive offices in Glenville, New York.

Glenville, NY

742 employees

www.trustcobank.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: Robert Joseph McCormick

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Financials

SEC Filings

Quarterly Income Statement (USD)

Swipe horizontally to review earlier periods. The line-item column stays pinned.

Quarterly Report	TTM	Quarter ended Jun 2026	Quarter ended Mar 2026	Quarter ended Dec 2025	Quarter ended Sep 2025	Quarter ended Jun 2025	Quarter ended Mar 2025	Quarter ended Dec 2024	Quarter ended Sep 2024
Revenue	241.45M	29.18M	71.02M	70.52M	70.72M	69.32M	67.76M	66.32M	66.00M
Cost of Goods Sold	90.46M	22.47M	22.47M	22.36M	23.16M	23.38M	22.74M	23.41M	22.90M
Gross Profit	150.99M	6.72M	48.55M	48.16M	47.56M	45.95M	45.05M	42.91M	43.10M
Gross Profit Margin	62.5%	23.0%	68.4%	68.3%	67.2%	66.3%	66.5%	64.7%	65.3%
Total Operating Expenses	108.22M	28.33M	26.93M	26.71M	26.24M	26.22M	26.33M	28.16M	26.20M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	80.08M	22.77M	18.78M	24.46M	14.07M	13.32M	13.44M	13.77M	13.59M
Operating Income (EBIT)	42.77M	-21.62M	21.62M	21.45M	21.32M	19.73M	18.72M	14.75M	16.90M
Operating Margin	17.7%	-74.1%	30.4%	30.4%	30.1%	28.5%	27.6%	22.2%	25.6%
Income Before Tax (EBT)	86.51M	22.52M	21.62M	21.05M	21.32M	19.73M	18.72M	14.75M	16.90M
Interest Income	266.06M	67.71M	66.23M	66.09M	66.03M	64.47M	62.82M	61.91M	61.07M
Interest Expense	88.91M	22.12M	21.52M	22.36M	22.91M	22.73M	22.44M	23.01M	22.40M
Other Income/Expense	43.74M	44.14M	0.00	-400K	0.00	0.00	0.00	0.00	0.00
Net Income	65.07M	16.96M	16.29M	15.56M	16.26M	15.04M	14.28M	11.28M	12.88M
Income Tax Expense	21.43M	5.55M	5.33M	5.49M	5.06M	4.69M	4.44M	3.46M	4.03M
Net Profit Margin	27.0%	58.1%	22.9%	22.1%	23.0%	21.7%	21.1%	17.0%	19.5%
EBITDA	54.38M	-18.71M	24.51M	24.38M	24.20M	22.57M	21.53M	18.02M	19.62M
EBITDA Margin	22.5%	-64.1%	34.5%	34.6%	34.2%	32.6%	31.8%	27.2%	29.7%
Depreciation & Amortization	11.60M	2.90M	2.89M	2.92M	2.88M	2.85M	2.81M	3.27M	2.72M
EPS Basic	3.60	0.98	0.91	0.85	0.86	0.79	0.75	0.59	0.68
EPS Diluted	3.60	0.98	0.91	0.85	0.86	0.79	0.75	0.59	0.68
Weighted Average Basic Shares	17.56M	17.56M	17.81M	18.27M	18.96M	18.96M	19.02M	19.01M	19.01M
Weighted Average Diluted Shares	17.63M	17.63M	17.88M	18.33M	18.99M	18.99M	19.04M	19.04M	19.04M

Annual Income Statement (USD)

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Annual Report	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018
Revenue	278.33M	263.15M	244.52M	205.86M	185.92M	195.46M	210.72M	199.00M
Cost of Goods Sold	91.64M	93.38M	55.61M	6.13M	2.12M	30.31M	36.48M	21.63M
Gross Profit	186.72M	169.77M	188.91M	199.74M	183.79M	165.15M	174.40M	177.37M
Gross Profit Margin	67.1%	64.5%	77.3%	97.0%	98.9%	84.5%	82.8%	89.1%
Total Operating Expenses	105.50M	105.73M	111.30M	100.32M	101.66M	95.70M	97.73M	97.71M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	65.29M	54.07M	57.42M	51.11M	53.71M	49.79M	50.94M	47.87M
Operating Income (EBIT)	81.21M	64.05M	77.61M	99.42M	82.13M	69.45M	76.51M	79.65M
Operating Margin	29.2%	24.3%	31.7%	48.3%	44.2%	35.5%	36.3%	40.0%
Income Before Tax (EBT)	80.81M	64.05M	77.61M	99.42M	82.13M	69.45M	76.51M	79.65M
Interest Income	259.42M	243.32M	226.21M	186.60M	167.98M	178.29M	192.13M	180.91M
Interest Expense	90.44M	91.38M	54.36M	6.47M	7.57M	24.71M	36.32M	20.23M
Other Income/Expense	-400K	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	61.14M	48.83M	58.65M	75.23M	61.52M	52.45M	57.84M	61.45M
Income Tax Expense	19.68M	15.21M	18.97M	24.18M	20.61M	16.99M	18.67M	18.21M
Net Profit Margin	22.0%	18.6%	24.0%	36.5%	33.1%	26.8%	27.4%	30.9%
EBITDA	89.75M	75.48M	88.40M	109.97M	92.72M	79.58M	86.50M	83.76M
EBITDA Margin	32.2%	28.7%	36.2%	53.4%	49.9%	40.7%	41.0%	42.1%
Depreciation & Amortization	8.54M	11.44M	10.79M	10.55M	10.58M	10.14M	9.99M	4.11M
EPS Basic	3.25	2.57	3.08	3.93	3.19	2.72	2.99	3.18
EPS Diluted	3.25	2.57	3.08	3.93	3.19	2.72	2.98	3.18
Weighted Average Basic Shares	18.27M	19.02M	19.02M	19.13M	19.26M	19.30M	19.37M	19.30M
Weighted Average Diluted Shares	18.33M	19.04M	19.02M	19.13M	19.26M	19.30M	19.39M	19.33M

Values are displayed in USD. Negative numbers shown in red.

Values are displayed in USD. Negative numbers are shown in red.