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Companies / Financials / TrustCo Bank Corp NY
TRST

TrustCo Bank Corp NY

FinancialsBanks & Brokers
Ticker TRSTALBANY, NYFiscal year ends DecemberBook value per share $36.29Diluted shares 17.4M

TrustCo Bank Corp NY (Nasdaq: TRST) is a savings and loan holding company whose principal subsidiary, Trustco Bank, provides personal and business banking services to individuals and businesses. Its products include checking, savings, money market and certificate accounts; residential mortgage, home equity, commercial… From the company’s description.

Over the twelve months to Sep 30, 2026, TrustCo Bank Corp NY reported revenue of $201.07M, up 9.8% from a year earlier, and net income of $66.13M. Its pre-tax margin was 43.9%. In fiscal 2025, it reported revenue of $187.92M, up 9.4% from fiscal 2024, and net income of $61.14M.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-09-30
Sales & profitability
$187.92MFY2025
+9.4% year over year
Last 12 mo $201.07M
43.00%FY2025
+5.7 percentage points
Last 12 mo 43.85%
$61.14MFY2025
+25.2% year over year
Last 12 mo $66.13M
8.90%FY2025
+1.7 percentage points
Last 12 mo 10.48%
Cash & financing
$57.60MFY2025
−3.1% year over year
Last 12 mo $76.82M
$45.74MFY2025
−16.2% year over year
Last 12 mo $69.05M
8.27FY2025
Was 8.10× a year earlier
Last 12 mo 9.16
18.8MFY2025
−1.3% year over year
Last 12 mo 17.4M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What TrustCo Bank Corp NY does

In the company’s own words

TrustCo Bank Corp NY (Nasdaq: TRST) is a savings and loan holding company whose principal subsidiary, Trustco Bank, provides personal and business banking services to individuals and businesses. Its products include checking, savings, money market and certificate accounts; residential mortgage, home equity, commercial real estate, commercial and consumer loans; and trust and investment services. Trustco Financial Services provides estate and trust administration, asset and wealth management, estate planning, custodial services, and employee-benefit plan services. Trustco Realty Corp. holds and manages residential mortgage loans and mortgage-backed securities. The company operates through its banking business rather than presenting reportable business segments. Its offices serve communities in New York, Florida, Vermont, Massachusetts and New Jersey. At December 31, 2025, TrustCo had $6.4 billion in assets and $5.6 billion in deposits; Trustco Financial Services had approximately $1.27 billion in assets under trust, custody or management. TrustCo was established in 1981 as the parent company of The Schenectady Trust Company, now Trustco Bank. Its website is www.trustcobank.com.

Company details
Sector
Financials
Industry (SIC)
Banks & Brokers
Headquarters
ALBANY, NY
Fiscal year end
December
CIK
357301
SIC
6022

Financial performance, year by year

Fiscal 2011–2025 · USD
$-20.11M$40.21M$100.54M$160.86M$221.18M201120122013201420152016201720182019202020212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns TrustCo Bank Corp NY — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

236
funds hold it
0 of 35
superinvestors hold it
$378.07M
held by funds, at market
43.6%
of shares held by funds

Largest fund holders · TrustCo Bank Corp NY’s weight in each

iShares Core S&P Small-Cap ETF
IJR · iShares Trust
0.05%of fund net assets
VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
Avantis U.S. Small Cap Value ETF
AVUV · American Century ETF Trust
—of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.03%of fund net assets
U.S. SMALL CAP VALUE PORTFOLIO
DFSVX · DFA INVESTMENT DIMENSIONS GROUP INC
—of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Could not be determined for this company: bond issues.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “How do TrustCo Bank Corp NY and its peers compare on margins and cash generation over ten years?”
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