TrustCo Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Accumulated other comprehensive income dropped 15.5% in Q2 2026, from $8.2M to $7.0M. It was the largest change from Q1 2026 among the key lines here. TrustCo Bank ranks 51st of 82 New York banks on CET1 ratio, in the lower half at 14.48% (Q2 2026). TrustCo Bank reported 14.48% on CET1 ratio for Q2 2026, 0.98 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.48% |
| Tier 1 risk-based capital ratio | 14.48% |
| Total risk-based capital ratio | 15.73% |
| Tier 1 leverage ratio | 8.38% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $548.3M |
| Tier 1 capital | $548.3M |
| Total risk-based capital | $595.7M |
| Total equity capital | $555.8M |
| Risk-weighted assets | $3.79B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.52% |
| Tangible equity to tangible assets | 8.51% |
| Equity capital to average assets | 8.49% |
| Internal capital growth rate | 12.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $29.4M |
| Common stock surplus | $108.9M |
| Retained earnings | $410.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $7.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 18.39% | 18.39% | 19.65% | 10.42% | $3.45B |
| Q4 2023 | 18.28% | 18.28% | 19.53% | 10.39% | $3.48B |
| Q1 2024 | 18.51% | 18.51% | 19.76% | 10.39% | $3.46B |
| Q2 2024 | 18.52% | 18.52% | 19.78% | 10.46% | $3.48B |
| Q3 2024 | 18.55% | 18.55% | 19.80% | 10.70% | $3.50B |
| Q4 2024 | 18.54% | 18.54% | 19.79% | 10.58% | $3.52B |
| Q1 2025 | 18.66% | 18.66% | 19.91% | 10.54% | $3.53B |
| Q2 2025 | 18.65% | 18.65% | 19.90% | 10.61% | $3.57B |
| Q3 2025 | 18.67% | 18.67% | 19.92% | 10.66% | $3.60B |
| Q4 2025 | 13.98% | 13.98% | 15.23% | 8.13% | $3.67B |
| Q1 2026 | 14.26% | 14.26% | 15.51% | 8.24% | $3.72B |
| Q2 2026 | 14.48% | 14.48% | 15.73% | 8.38% | $3.79B |
TrustCo Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock TrustCo Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full TrustCo Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31945) · FFIEC NIC profile (RSSD 677176)