TrustCo Bank Corp NY Q4 Earnings Call Highlights

2 days ago 4

MarketBeat

Thu, January 22, 2026 astatine 10:10 AM CST 7 min read

TrustCo Bank Corp NY logo

TrustCo posted a stronger 4th with $15.6 million successful nett income (up 38% twelvemonth implicit year), driven by higher nett involvement income of $43.7 million and a widened nett involvement borderline of 2.82% (up 22 bps).
Loan and deposit maturation was concentrated successful residential products: mean loans deed a grounds $5.2 billion (up 2.5% twelvemonth implicit year) led by location equity and mortgages, portion deposits roseate to $5.6 billion (up $166 million).
Credit and superior positions stay coagulated contempt humble upticks successful non-performing loans to $20.7 million (0.39% of loans); the allowance was $52.2 million with 253% coverage, equity-to-assets was 10.66%, and the slope renewed stock buyback authorization for up to 2 million shares.
Interested successful TrustCo Bank Corp NY? Here are 5 stocks we similar better.

TrustCo Bank Corp NY (NASDAQ:TRST) executives highlighted higher profitability, borderline expansion, and continued indebtedness and deposit maturation during the company’s fourth-quarter 2025 net call, portion reiterating a blimpish attack to underwriting and equilibrium expanse management.

Chief Financial Officer Mike Ozimek said TrustCo posted fourth-quarter 2025 nett income of $15.6 million, a 38% summation from the prior-year quarter. The institution reported a instrumentality connected mean assets of 0.97% and instrumentality connected mean equity of 8.99% for the quarter.

→ 2 Analysts Sour On Super Micro: Can SMCI Recover Amid +40% Fall?

Ozimek attributed the show to higher nett involvement income, continued nett involvement borderline expansion, and sustained maturation successful cardinal indebtedness and deposit portfolios. Net involvement income roseate to $43.7 million, up $4.8 million oregon 12.4% from the 4th fourth of 2024. Net involvement borderline expanded to 2.82%, up 22 ground points twelvemonth implicit year.

The output connected interest-earning assets accrued to 4.24%, up 12 ground points from the prior-year quarter, portion the outgo of interest-earning liabilities declined to 1.84% from 1.97%. Ozimek said the slope is “well-positioned” to proceed delivering nett involvement income adjacent arsenic the Federal Reserve considers complaint changes.

→ AMD Rebound Begins: It’s Not Too Late to Get In

Average loans successful the 4th fourth of 2025 accrued 2.5%, oregon $126.8 million, to $5.2 billion, which absorption described arsenic an all-time high. Growth was concentrated successful residential-related categories:

Home equity lines of credit: up $54.1 million, oregon 13.5% twelvemonth implicit year
Residential existent estate: up $50.6 million, oregon 1.2%
Commercial loans: up $24.5 million, oregon 8.6%
Installment loans: down $2.4 million, oregon 17.3%