TrustCo Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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%, according to its call report filed with the FFIEC.
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)
- Offices
- 134 domestic
- 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
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full TrustCo Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock TrustCo Bank, freeTrustCo Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| 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
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 132 branches →
| 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
What the public regulatory sources show for TrustCo Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 180 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).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is TrustCo Bank headquartered?
TrustCo Bank is headquartered in Glenville, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was TrustCo Bank founded?
TrustCo Bank was established in 1925, per the FDIC institution directory.
Is TrustCo Bank FDIC-insured?
Yes. TrustCo Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is TrustCo Bank's CET1 capital ratio?
TrustCo Bank 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?
TrustCo Bank operates 134 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?
TrustCo Bank's Texas Ratio is 3.77% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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