Bank call report · Glenville, NY
TrustCo Bank Call Report
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TrustCo Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 413 reported line items, schedule by schedule (988 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 677176 |
| FDIC certificate number | 31945 |
| Total assets | $6.52B |
Official Q2 2026 call report PDF (FFIEC) →
TrustCo Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (27 items)
About Schedule RC · TrustCo Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $6.52B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $6.52B |
| Total Liabilities and Minority Interest | RCON2948 | $5.97B |
| Total Deposits | RCON2200 | $5.68B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $5.38B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $5.32B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $4.86B |
| Deposits: Noninterest-bearing | RCON6631 | $824.7M |
| Interest-bearing Balances | RCON0071 | $652.1M |
| Total Equity Capital | RCON3210 | $555.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $555.8M |
| Undivided Profits and Capital Reserves | RCON3632 | $410.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $303.2M |
| Federal Funds Purchased in Domestic Offices | RCONB993 | $214.6M |
| Other Assets | RCON2160 | $119.2M |
| Surplus | RCON3839 | $108.9M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $76.1M |
| Other Liabilities, Total | RCON2930 | $72.0M |
| Allowance for Loan and Lease Losses | RCON3123 | $54.1M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $44.5M |
| Common Stock | RCON3230 | $29.4M |
| Accumulated Other Comprehensive Income | RCONB530 | $7.0M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $3.8M |
| Held-to-maturity Securities, Total | RCON1754 | $3.8M |
| Other Real Estate Owned | RCON2150 | $1.2M |
| Goodwill | RCON3163 | $553K |
| Intangible Assets | RCON2143 | $553K |
Schedule RI: Income Statement (43 items)
About Schedule RI · TrustCo Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $133.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $116.3M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $108.8M |
| Net Interest Income | RIAD4074 | $89.6M |
| Total Noninterest Expense | RIAD4093 | $55.0M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $44.6M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $44.6M |
| Total Interest Expense | RIAD4073 | $44.3M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $33.6M |
| Net Income (Loss) | RIAD4340 | $33.6M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $33.6M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $27.4M |
| Salaries and Employee Benefits | RIAD4135 | $25.3M |
| Other Noninterest Expense | RIAD4092 | $18.6M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $12.4M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $11.1M |
| Applicable Income Taxes | RIAD4302 | $11.0M |
| Total Noninterest Income | RIAD4079 | $10.7M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $9.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $6.6M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $4.6M |
| Other Noninterest Income | RIADB497 | $4.5M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $3.0M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $2.1M |
| Provision for Loan and Lease Losses | RIAD4230 | $1.8M |
| Interest on Other Securities | RIAD4060 | $1.6M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $1.6M |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $1.5M |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $1.3M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.1M |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | $844K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $544K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $457K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $422K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $260K |
| Other Interest Income | RIAD4518 | $249K |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $198K |
| Service Charges on Deposits in Domestic Office Atm-related for Individuals | RIADH034 | $153K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $20K |
| Fees and Commissions from Annuity Sales | RIADC887 | $17K |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $17K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $3K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 741 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $696.7M |
| Balances Due from Federal Reserve Banks | RCON0090 | $648.5M |
| Currency and Coin | RCON0080 | $20.4M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $16.5M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $11.3M |
Schedule RC-B: Securities (34 items)
About Schedule RC-B · TrustCo Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $4.5M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $3.9M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Amortized Cost | RCONG300 | $2.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Fair Value | RCONG301 | $2.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $203.7M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $188.9M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Amortized Cost | RCONG304 | $1.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Fair Value | RCONG305 | $1.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $12.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $10.8M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $322.1M |
| Pledged Securities | RCON0416 | $166.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $121.9M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $75.0M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $73.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $71.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $45.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $34.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $25.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $25.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $10.2M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $9.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $9.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $6.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $3.9M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $3.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $3.3M |
| Amortized Cost of Available-for-sale Other Foreign Debt Securities | RCON1744 | $650K |
| Fair Value of Available-for-sale Other Foreign Debt Securities | RCON1746 | $650K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $217K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $29K |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $9K |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $9K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $9K |
Schedule RC-C, Part I: Loans and Leases (31 items)
About Schedule RC-C, Part I · TrustCo Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $5.38B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $4.56B |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $3.75B |
| Pledged Loans and Leases | RCONG378 | $1.02B |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $589.9M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $484.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $262.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $254.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $252.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $205.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $102.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $74.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $74.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $67.7M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $66.7M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $45.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $41.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $29.9M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $28.0M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $26.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $25.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $23.0M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $18.7M |
| Commercial and Industrial Loans | RCON1766 | $17.2M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $17.2M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $13.3M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $12.0M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $6.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $4.7M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $3.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $802K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $43.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $7.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $4.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $3.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $279K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 97 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 89 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 42 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 41 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 35 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 12 |
Schedule RC-E: Deposit Liabilities (30 items)
About Schedule RC-E · TrustCo Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $4.65B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $4.64B |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $1.45B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $1.32B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $1.13B |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $1.08B |
| Total Transaction Accounts | RCON2215 | $1.03B |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $1.03B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $1.03B |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $896.8M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $851.0M |
| Total Demand Deposits (See Note Below) | RCON2210 | $824.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $741.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $659.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $610.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $550.0M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $478.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $431.1M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $191.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $179.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $177.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $145.2M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $69.1M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $65.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $48.3M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $42.9M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $4.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $381K |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $200K |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $18K |
Schedule RC-F: Other Assets (5 items)
Schedule RC-G: Other Liabilities (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $44.9M |
| Operating lease liabilities | RCONLB56 | $36.4M |
| Other Expenses Accrued and Unpaid | RCON3646 | $22.0M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $3.4M |
| Accounts Payable | RCON3066 | $3.1M |
| Deferred Compensation Liabilities | RCONC011 | $2.6M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $1.7M |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · TrustCo Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $6.55B |
| Quarterly Average of Total Loans | RCON3360 | $5.33B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $4.92B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $2.39B |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $1.61B |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $687.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $644.1M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $229.9M |
| Mortgage-backed Securities | RCONB559 | $224.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $215.9M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $209.8M |
| All Other Securities | RCONB560 | $72.5M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $26.1M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $18.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $10.3M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · TrustCo Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $546.2M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $92.3M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $40.2M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $27.2M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $16.4M |
| Performance Standby Letters of Credit | RCON3821 | $6.6M |
Schedule RC-M: Memoranda (8 items)
About Schedule RC-M · TrustCo Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Secured Liabilites: Amount of 'Federal Funds Purchased' That Are Secured | RCONF064 | $214.6M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $28.5M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $1.0M |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $198K |
| Outstanding balance of PPP loans | RCONLG27 | $7K |
| Number of outstanding PPP Loans | RCONLG26 | 12 |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
| Does the Institution Use the Home Owners' Loan Act (Hola) Qtl Test or the Internal Revenue Service Domestic Building and Loan Association (IRS Dbla) Test to Determine Its Qtl Compliance? | RCONL133 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (16 items)
About Schedule RC-N · TrustCo Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $21.8M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $17.3M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $7.1M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $6.3M |
| Additions to Nonaccrual Assets | RCONC410 | $3.3M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $2.3M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $1.7M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $803K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $803K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $781K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $405K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $53K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $15K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $15K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $7K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $5K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · TrustCo Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $6.55B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $5.69B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $4.04B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $1.47B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $1.25B |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $542.3M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $153.7M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $23.5M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 312,665 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 9,095 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 2,692 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 55 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $303.2M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $303.2M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $303.2M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $303.2M |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · TrustCo Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · TrustCo Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $6.55B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $6.55B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $3.79B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $595.7M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $555.8M |
| Common Equity Tier 1 Capital | RCOAP859 | $548.3M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $548.3M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $548.3M |
| Retained Earnings | RCOAKW00 | $410.5M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $138.3M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $47.4M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $47.4M |
| Tier 2 Capital Before Deductions | RCOAP870 | $47.4M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | $21.0M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$14.1M |
| Accumulated Other Comprehensive Income | RCOAB530 | $7.0M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $553K |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $553K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1573 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1448 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1448 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0838 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0773 |
Schedule RC-R, Part II: Risk-Weighted Assets (61 items)
About Schedule RC-R, Part II · TrustCo Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $5.04B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $4.56B |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $4.52B |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $4.47B |
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $3.80B |
| Total Risk-weighted Assets | RCONG641 | $3.79B |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $2.28B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $1.40B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $1.40B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $1.11B |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $708.9M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $696.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $695.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $695.9M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $668.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $573.0M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $354.5M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $319.3M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $303.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $294.9M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $273.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $258.5M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $258.5M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $222.2M |
| Total All Other Assets | RCOND981 | $197.1M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $182.8M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $75.6M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$74.9M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $53.3M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $51.7M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCONS461 | $45.5M |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $37.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $35.5M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $27.6M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $24.3M |
| Unused Commitments, Original Maturity Exceeding One Year - 150 Pct Risk Weight Category | RCONS539 | $22.4M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$18.9M |
| Unconditionally Cancellable Commitments | RCONS540 | $13.5M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $13.1M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $11.0M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $11.0M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $7.5M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $7.0M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $6.6M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $5.7M |
| Total Held-to-maturity Securities | RCOND961 | $3.8M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $3.3M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $3.3M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $2.8M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $2.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $2.8M |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $2.6M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $2.1M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $2.1M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | -$1.9M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $1.3M |
| Cash and Balances Due from Depository Institutions - 100 Pct Risk Weight Category | RCOND960 | $226K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $120K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 150 Pct Risk Weight Category | RCONS463 | $53K |
| Allocation by Risk Weight Category 150%, All Other Assets | RCONH185 | $47K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $7K |
Schedule RC-T: Fiduciary and Related Services (36 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $856.7M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $291.3M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $254.6M |
| Fiduciary and Related Assets:investment Mgmt and Investment Advisory Agency Accounts -Non-managed Assets | RCONJ253 | $221.1M |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $219.7M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $159.0M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $145.0M |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $133.4M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $95.6M |
| Employee Benefit-defined Benefit - Managed Assets | RCONB876 | $78.4M |
| Employee Benefit-defined Contribution - Non-managed Assets | RCONB873 | $61.2M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $9.0M |
| Other Retirement Accounts - Non-managed Assets | RCONB881 | $9.0M |
| Income from Fiduciary Activities | RIAD4070 | $4.1M |
| Less: Expenses | RIADC058 | $2.3M |
| Personal Trust and Agency Accounts | RIADB904 | $1.6M |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $1.5M |
| Other Retirement Accounts | RIADB907 | $555K |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $255K |
| Custody and Safekeeping Accounts | RIADB909 | $173K |
| All Other Fiduciary Income | RIADA480 | $6K |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $6K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 1,079 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 401 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 395 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 354 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 275 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 101 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 93 |
| Fiduciary and Related Assets:investment Management and Investment Advisory Agency Accounts - Number of Non-managed Accounts | RCONJ254 | 61 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 46 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 31 |
| Other Retirement Accounts - Number of Non-managed Accounts | RCONB883 | 31 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 2 |
| Employee Benefit-defined Benefit - Number of Managed Accounts | RCONB878 | 1 |
| Employee Benefit-defined Contribution - Number of Non-managed Accounts | RCONB875 | 1 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $555.8M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $524.3M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $524.3M |
| Other Comprehensive Income | RIADB511 | -$3.1M |
| Other Transactions with Stockholders (Including Parent Holding Company) | RIAD4415 | $950K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (9 items)
About Schedule RI-B, Part I · TrustCo Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $184K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $95K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $58K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $40K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $40K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $31K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $18K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $12K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $6K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · TrustCo Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $54.1M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $52.2M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$150K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $58K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $5.38B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $5.12B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $187.4M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $54.1M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $50.4M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $46.6M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $17.2M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $9.8M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $2.8M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $474K |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $257K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $148K |
Schedule RI-E: Explanations (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $7.2M |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $2.4M |
| First Itemized Transaction of Other Transactions with Stockholders (Including Parent Holding Company) (4415) | RIAD4498 | $950K |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $457K |
TrustCo Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the TrustCo Bank call report?
The TrustCo Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does TrustCo Bank file?
TrustCo Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the TrustCo Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: TrustCo Bank has Federal Reserve RSSD ID 677176 and FDIC certificate number 31945. Either one finds its filings on the FFIEC Central Data Repository.
How often does TrustCo Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
TrustCo Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 31945) · FFIEC NIC profile (RSSD 677176)