TrustCo Bank
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Data as of · sourced from FFIEC call reports. How we update
TrustCo Bank is an FDIC-insured savings institution headquartered in Glenville, NY, established in 1925 (FDIC certificate 31945), and it is supervised by the OCC. At Q2 2026 it reported total assets of $6.52B, up 2.8% from Q2 2025, the 18th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 14.48% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 31945
- Headquarters
- Glenville, NY
- Established
- 1925
- Total assets, Q2 2026
- $6.52B
- Assets vs Q2 2025
- +2.8%
- CET1 ratio, Q2 2026
- 14.48%
- Domestic offices
- 133 FDIC institution directory, current count
- Routing number
- 021300912
- Holding company
- TRUSTCO BANK CORP NY
- Asset rank in state
- 18th of 105 in New York
TrustCo Bank, based in Glenville, New York, reported $6.5 billion in assets at June 30, 2026, up 2.8% from a year earlier. It keeps 2.85 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also funds 8.38% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
Net income for the quarter rose 12% from a year earlier, to $17 million.
As of June 30, 2026, TrustCo Bank reported a CET1 capital ratio of 14.48%, a return on assets of 1.05%, a nonperforming-loan ratio of 0.40% and a Texas ratio of 3.77%. The figures come from its call report filed with the FFIEC.
TrustCo Bank ranks as the 18th largest of the 105 banks based in New York, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.3% to $6.52B, loans rose 1.6% and deposits rose 0.5%. 1-4 family residential loans made up 95.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 1.4%. The FDIC Summary of Deposits lists 132 offices for it, in 87 cities across 5 states; its Schenectady 7 offices book 13% of its branch deposits. On its Q2 2026 call report, TrustCo Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 Sarnowski Dr, Glenville, NY 12302
- County
- Schenectady
- Metro Area
- Albany-Schenectady-Troy, NY
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1925
- Former names
- TrustCo Savings Bank (2000-2002); Landmark Community Bank (1997-2000)
- Domestic offices
- 133 FDIC institution directory, current count
- Employees (FTE)
- 741
- Domestic deposits
- $5.68B
- Allowance for credit losses
- $54.1M
- Net charge-offs (YTD)
- -$126K
- Average total assets
- $6.55B
- Average total loans
- $5.33B
- Average interest-bearing deposits
- $4.85B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31945
- Fed RSSD
- 677176
- SEC CIK
- 357301 → filed by TRUSTCO BANK CORP NY
- Website
- www.trustcobank.com →
- Parent Holding Company
- TRUSTCO BANK CORP NY (RSSD 1048513) · TRST
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Robert J Mccormick | CEO | CHAIRMAN, PRESIDENT & CEO |
| Michael M Ozimek | CFO | EXECUTIVE VICE PRESIDENT & CFO |
| Kevin M Curley | COO | EXECUTIVE VICE PRESIDENT & COO |
| Mccormick Lauren Ann | TREAS | VP,Treasurer, Asst. Corp. Sec. |
| Hall Michael James | GC | GENERAL COUNSEL & SECRETARY |
| Robert M Leonard | CRO | EVP & CHIEF RISK OFFICER |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, TrustCo Bank's total assets ranged from $6.05B (Q3 2023) to $6.52B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$6.52B total assets against $6.35B; $5.97B total liabilities against $5.68B.
$5.32B net loans and leases against $5.11B; $5.68B total deposits against $5.49B.
$307.0M securities against $341.4M; $696.7M cash and balances due against $713.8M.
$67.7M total interest income against $64.5M; $22.4M total interest expense against $22.8M.
$45.3M net interest income against $41.7M.
$5.4M total noninterest income against $5.2M; $28.2M total noninterest expense against $26.1M.
$650K provision for credit losses against $650K.
$17.1M net income against $15.3M.
1.05% return on assets against 0.98%; 2.85% net interest margin against 2.71%.
14.48% CET1 capital ratio against 18.65%; 8.38% tier 1 leverage ratio against 10.61%.
Inside the full TrustCo Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTrustCo Bank rankings
Its closest position to the top of a national ranking is 231 of 4,196, for total assets; its furthest is 777 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.74% (Q4 2024) to 1.05% (Q2 2026) and its net interest margin ran from 2.59% (Q4 2024) to 2.85% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.48% | 1.05% | 0.40% | 3.77% | 2.85% |
| Q1 2026 | 14.26% | 1.02% | 0.41% | 3.86% | 2.83% |
| Q4 2025 | 13.98% | 0.99% | 0.39% | 3.84% | 2.80% |
| Q3 2025 | 18.67% | 1.04% | 0.36% | 2.71% | 2.78% |
| Q2 2025 | 18.65% | 0.98% | 0.35% | 2.65% | 2.71% |
| Q1 2025 | 18.66% | 0.92% | 0.37% | 2.94% | 2.64% |
| Q4 2024 | 18.54% | 0.74% | 0.37% | 3.00% | 2.59% |
| Q3 2024 | 18.55% | 0.86% | 0.38% | 3.15% | 2.60% |
Swipe the table sideways to see every column.
Branch Network
View all 132 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Rotterdam Branch | Rotterdam , NY | 12306 | $199.9M |
| Glenville - Mayfair Branch | Glenville , NY | 12302 | $199.1M |
| Upper Union Street Branch | Schenectady , NY | 12309 | $144.6M |
| Delmar Branch | Delmar , NY | 12054 | $139.3M |
| Trustco Bk - Stuyvesant Plaza Office Branch | Albany , NY | 12203 | $135.5M |
| Guilderland Branch | Schenectady , NY | 12303 | $130.2M |
| Altamont Avenue Branch | Schenectady , NY | 12303 | $125.7M |
| State Street Schenectady Branch | Schenectady , NY | 12305 | $125.0M |
| Niskayuna - Woodlawn Branch | Schenectady , NY | 12304 | $120.0M |
| Catskill Branch | Catskill , NY | 12414 | $117.8M |
| Wolf Road Branch | Colonie , NY | 12205 | $117.2M |
| Clifton Country Road Branch | Clifton Park , NY | 12065 | $115.5M |
| State Street Albany Branch | Albany , NY | 12207 | $99.2M |
| Balltown Rd Branch | Niskayuna , NY | 12309 | $98.8M |
| Clifton Park Branch | Clifton Park , NY | 12065 | $96.6M |
| East Greenbush Branch | Rensselaer , NY | 12144 | $90.2M |
| Hoosick Falls Branch | Hoosick Falls , NY | 12090 | $81.4M |
| Sun City Center Branch | Sun City Center , FL | 33573 | $77.9M |
| Avalon Park Branch | Orlando , FL | 32828 | $77.4M |
| Colonie Branch | Albany , NY | 12205 | $75.8M |
| State Farm Road Branch | Guilderland , NY | 12084 | $71.8M |
| Newton Plaza Branch | Latham , NY | 12110 | $70.1M |
| Queensbury Branch | Queensbury , NY | 12804 | $70.1M |
| Halfmoon Branch | Clifton Park , NY | 12065 | $66.7M |
| New Scotland Branch | Albany , NY | 12208 | $64.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 16, 2002 | M&A | Acquired TrustCo Bank, National Association merger for the acquired bank | SEC |
| November 16, 2002 | Structure Change | Acquired TrustCo Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 15, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC, OCC (former OTS))
- July 21, 2015, OCC: Formal Agreement: Trustco Bank
- September 13, 2010, OCC (former OTS): Civil Money Penalty: Trustco Bank
- August 22, 2002, OCC: Formal Agreement: Trustco Bank, National Association
- Period: Most recent institution action July 21, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in NY, rank 41 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,999 applications, 2,788 loans originated, $652.2M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $350K approved, $175K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about TrustCo Bank
What are TrustCo Bank's total assets?
As of the Q2 2026 filing, TrustCo Bank reported total assets of $6.52 billion in its FFIEC call report.
Where is TrustCo Bank headquartered?
It is headquartered in Glenville, NY, United States.
When was TrustCo Bank founded?
It was established in 1925, per the FDIC institution directory.
Is TrustCo Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #31945). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates TrustCo Bank?
TrustCo Bank's primary federal regulator is the OCC.
What is TrustCo Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.48% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does TrustCo Bank operate?
It operates 133 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is TrustCo Bank's Texas Ratio?
Its Texas Ratio is 3.77% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was TrustCo Bank previously called?
The charter now named TrustCo Bank has also operated as TrustCo Savings Bank (2000-2002), Landmark Community Bank (1997-2000), per FDIC structure-change records.
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