TRUSTCO BANK

GLENVILLE, NY | Large | Est. Jan. 1, 1925, midnight | FDIC #31945 | RSSD #677176 | OCC
Latest Report: 2025-12-31

TRUSTCO BANK is aln large FDIC-insured commercial bank headquartered in GLENVILLE, NY, established in Jan. 1, 1925, midnight. As of 2025-12-31, the bank reported total assets of $6.4B and total deposits of $5.6B. Profitability stands at 0.98% ROA and 10.43% ROE, with a net interest margin of 2.96%. The bank's CET1 capital ratio is 13.98%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.39% and a Texas Ratio of 3.84%. FDIC Certificate #31945.

Assets

$6.4B

Deposits

$5.6B

Loans

$5.3B

Equity

$524M

Profitability

Return on Assets (ROA) 0.98%
Return on Equity (ROE) 10.43%
Net Interest Margin (NIM) 2.96%
Yield on Assets 4.49%
Cost of Funds 1.90%

Asset Quality

NPL Ratio 0.39%
Net Charge-Off Ratio -0.01%
Texas Ratio 3.84%
NPA Ratio 0.34%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 13.98%
Tier 1 Capital 13.98%
Total Capital Ratio 15.23%
Leverage Ratio 8.13%
Loan-to-Deposit 94.51%

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