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TrustCo Bank NY
TrustCo Bank NY (TRST) investor relations material
TrustCo Bank NY Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Net income for 2025 reached $61.1 million, up 25.2% year-over-year, with diluted EPS of $3.25, and Q4 2025 net income was $15.6 million, a 38% increase year-over-year, with EPS of $0.85.
Total shareholder return grew 29% in 2025, exceeding peers by more than three times.
Strategic focus on conservative lending, strong customer relationships, and disciplined capital deployment drove results.
Financial highlights
Net interest income for Q4 2025 was $43.7 million, up 12.4% year-over-year; full year net interest income was $169.0 million, up 11.2%.
Net interest margin expanded to 2.82% in Q4 2025 from 2.60% a year earlier.
Book value per share increased 7.1% to $38.08 as of December 31, 2025.
Total deposits grew by $166 million to $5.6 billion compared to the prior year quarter; average deposits rose $208.0 million (3.9%) in Q4 2025.
Outlook and guidance
2026 recurring non-interest expense, net of ORE expense, expected to be $27.7–$28.2 million per quarter, with expectations to be at the lower end.
Management expects continued net interest income growth as loan and investment portfolios reprice at higher yields.
Continued focus on prudent branch expansion, particularly in Pasco County, Florida.
Detail 2026 expense guidance drivers
Pasco County branch: What's the strategic rationale?
How will NY commercial NPLs be resolved?
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Next TrustCo Bank NY earnings date
Q1 202621 Apr, 2026
TrustCo Bank NY
Next TrustCo Bank NY earnings date
Q1 202621 Apr, 2026
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Frequently asked questions
TrustCo Bank Corp NY operates as the holding company for Trustco Bank, offering a range of personal and commercial banking services. The bank provides deposit products, including checking, savings, and money market accounts, as well as certificates of deposit. Its lending services include residential mortgages, home equity loans, and commercial real estate loans. Trustco Bank also offers online and mobile banking, retirement accounts, and financial planning services. The company primarily serves customers in the Northeastern United States. TrustCo Bank Corp NY is headquartered in Glenville, New York, and its shares are listed on the NASDAQ.
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