TrustCo Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks TrustCo Bank of Glenville, NY against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.05% | 1.34% | -0.29% | 30th below |
| ROAE | 12.51% | 12.34% | +0.17% | 50th above |
| Net Interest Margin | 2.85% | 3.83% | -0.98% | 10th bottom |
| Efficiency Ratio | 55.54% | 58.97% | -3.43% | 59th above |
| PPNR / Avg Assets | 1.38% | — | — | 28th below |
| Yield on Earning Assets | 4.27% | 5.71% | -1.44% | 4th bottom |
| Cost of Funds | 1.52% | 2.02% | -0.50% | 80th top |
| Net Interest Spread | 2.50% | — | — | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.40% | 0.87% | -0.47% | 60th above |
| NPA / Total Assets | 0.35% | — | — | 57th above |
| NCO / Avg Loans | -0.01% | 0.43% | -0.44% | 91st top |
| ACL / Total Loans | 1.01% | — | — | 31st below |
| ACL / NPLs (Coverage) | 248.62% | — | — | 58th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.77% | 5.48% | -1.71% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.48% | 14.99% | -0.51% | 64th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.48% | 15.02% | -0.54% | 64th above |
| Total Capital Ratio | 15.73% | — | — | 65th above |
| Leverage Ratio | 8.38% | 11.11% | -2.73% | 4th bottom |
| Equity / Assets | 8.52% | 11.02% | -2.50% | 13th bottom |
| TCE / Tangible Assets | 8.51% | — | — | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.64% | 86.99% | +7.65% | 30th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.40% | 85.57% | +2.83% | 49th below |
| Uninsured Deposit Ratio | 21.99% | 33.19% | -11.20% | 79th top |
| Wholesale Funding Ratio | 3.29% | — | — | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.78% | — | — | 31st below |
| Loan Growth (Y/Y) | 4.28% | — | — | 40th below |
| Deposit Growth (Y/Y) | 3.48% | — | — | 39th below |
See TrustCo Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock TrustCo Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full TrustCo Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the TrustCo Bank peer analysis.