TRST - NASDAQ

TrustCo Bank Corp NY

TRST·NASDAQ

$50.79

-2.5%

Financial ServicesBanks - Regional

TrustCo Bank Corp NY operates as the holding company for Trustco Bank, a federal savings bank that provides personal and business banking services to individuals, partnerships, and corporations. The company accepts deposits; and offers loans and investments. It also operates as a real estate investment trust that acquires, holds, and manages real estate mortgage assets, including residential mortgage loans and mortgage-backed securities. In addition, the company serves as the executor of estates and trustee of personal trusts; provides asset and wealth management, estate planning and related advice, and custodial services; and acts as trustee for various types of employee benefit plans, and corporate pension and profit-sharing trusts. As of December 31, 2021, it operated through 147 banking offices and 163 automatic teller machines in New York, New Jersey, Vermont, Massachusetts, and Florida. The company was founded in 1902 and is headquartered in Glenville, New York.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$887.55M

EPS3.2500

P/E Ratio15.63

Earnings Date07/20/2026

6.44B

Assets

3Y+7.0%

5Y+9.0%

10Y+32.0%

5.75B

Total Liabilities

3Y+7.0%

5Y+8.0%

10Y+30.0%

686.59M

Total Equity

3Y+14.0%

5Y+21.0%

10Y+59.0%

TrustCo Bank Corp NY Funding & Solvency Profile

TRST · NASDAQ

Current Assets

Cash & Cash Equivalents50.57M

Net Receivables13.83M

Inventory0.00

Other Current Assets-13.83M

Total Current Assets361 M

Non-Current Assets

Property, Plant & Equipment74.34M

Goodwill & Intangible Assets0.00

Long-Term Investments5.27B

Other Non-Current Assets-5.27B

Total Non-Current Assets74 M

Total Assets

6.44B

Financial Health Analysis

Current Ratio

0.26x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

8.38x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1031364000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

6% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

TrustCo Bank Corp NY Balance Sheet

TRST • NASDAQ

TrustCo Bank Corp NY Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	50.6M	47.4M	49.3M	43.4M	48.4M	47.2M	48.2M	49.3M	44.1M	48.7M	41.7M	43.5M	46.5M	55.8M	44.4M	44.1M	45.3M	41.9M	58.2M	47.9M
Short-Term Investments	310.4M	297.2M	452.3M	481.5M	407.7M	439.1M	573.8M	501.5M	572M	620.4M	601M	676.8M	863.8M	912.1M	908.7M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	361M	344.5M	501.6M	524.9M	456.1M	486.3M	622M	550.7M	616.1M	669.1M	642.7M	720.3M	910.2M	967.9M	953.1M	44.1M	45.3M	41.9M	58.2M	47.9M
Net Receivables	13.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Receivables	13.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Assets	-13.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	361M	344.5M	501.6M	524.9M	456.1M	486.3M	622M	550.7M	616.1M	669.1M	642.7M	720.3M	910.2M	967.9M	953.1M	44.1M	45.3M	41.9M	58.2M	47.9M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	74.3M	70.4M	74.5M	77.3M	81.1M	82.3M	86.1M	34.7M	35.2M	35.5M	37.6M	38.6M	34.4M	36.2M	37M	36.6M	37.8M	35.2M	29.2M	24.1M
Long-Term Investments	5.3B	5.1B	5B	4.7B	4.4B	4.2B	4B	3.9B	3.6B	3.4B	3.3B	3.2B	2.9B	2.8B	2.7B	3.4B	3.4B	3.1B	2.5B	2.8B
Other Non-Current Assets	-5.3B	709.6M	631.3M	703M	1.3B	1.1B	476.7M	521.7M	637M	732.1M	749.6M	702.7M	629.5M	562.3M	564.7M	477.4M	167.7M	361.9M	796M	314.1M
Total Non-Current Assets	74.3M	5.9B	5.7B	5.5B	5.7B	5.4B	4.6B	4.4B	4.3B	4.2B	4.1B	3.9B	3.6B	3.4B	3.3B	3.9B	3.6B	3.5B	3.3B	3.1B
Other Assets	6B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	6.4B	6.2B	6.2B	6B	6.2B	5.9B	5.2B	5B	4.9B	4.9B	4.7B	4.6B	4.5B	4.3B	4.2B	4B	3.7B	3.5B	3.4B	3.2B
LIABILITIES
CURRENT LIABILITIES
Accrued Expenses	0.0	0.0	0.0	35.6M	29.9M	28.9M	27.8M	32.9M	33.4M	30.6M	30.1M	29.6M	28.4M	23.8M	21.6M	20.6M	21.3M	24.9M	0.0	0.0
Short Term Debt	120.1M	84.8M	89M	245.4M	244.7M	214.8M	148.7M	161.9M	243M	209.4M	191.2M	189.1M	204.2M	159.8M	147.6M	124.6M	107.7M	109.6M	92.2M	95.5M
Other Current Liabilities	1.3B	5.4B	5.4B	5.2B	5.3B	5B	4.5B	4.3B	4.2B	4.2B	4.1B	4B	3.9B	3.8B	3.7B	3.6B	3.3B	3.1B	3B	2.8B
Total Current Liabilities	1.4B	5.5B	5.4B	5.5B	5.5B	5.3B	4.6B	4.5B	4.4B	4.4B	4.3B	4.3B	4.2B	4B	3.9B	3.7B	3.4B	3.3B	3.1B	2.9B
NON-CURRENT LIABILITIES
Long Term Debt	36.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	29K	59K
Other Non-Current Liabilities	4.3B	46.5M	38.7M	-122.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	27.9M	26.7M
Total Non-Current Liabilities	4.4B	86.6M	83.1M	-73.7M	52.7M	52.8M	56.6M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	28M	26.8M
Capital Lease Obligations	36.4M	40.2M	44.5M	49M	52.7M	52.8M	56.6M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	5.8B	5.6B	5.5B	5.4B	5.6B	5.3B	4.7B	4.5B	4.4B	4.4B	4.3B	4.3B	4.2B	4B	3.9B	3.7B	3.4B	3.3B	3.1B	2.9B
SHAREHOLDERS' EQUITY
Treasury Stock	-83.9M	-45.3M	-43.8M	-43.8M	-36.8M	-34.4M	-30.9M	-33.1M	-35M	-33.2M	-36.3M	-40.1M	-43.9M	-48.9M	-54M	-59.4M	-64.1M	-69.7M	-67.6M	-69.3M
Common Stock	20.1M	20.1M	20.1M	20.1M	20M	20M	100.2M	100.2M	100M	99.2M	99M	98.9M	98.9M	98.9M	98.9M	83.2M	83.2M	83.2M	82.4M	82.2M
Additional Paid-In Capital	260.3M	258.9M	257.2M	257.1M	256.7M	256.6M	176.4M	176.7M	175.7M	171.4M	171.4M	172.4M	173.1M	174.9M	176.6M	127M	128.7M	130.1M	122M	119.3M
Retained Earnings	480M	446.5M	425.1M	393.8M	349.1M	314M	288.1M	256.4M	219.4M	201.5M	184M	166.7M	147.4M	132.4M	119.5M	108.8M	99.2M	93.8M	93.1M	110.3M
Accumulated Other Comprehensive Income/Loss	10M	-3.9M	-13.2M	-27.2M	12.1M	11.9M	4.5M	-10.3M	-1.8M	-6.3M	-4.8M	-4.5M	-13.8M	1.6M	-2.5M	-4.1M	-1.3M	-1.4M	7.2M	-2.9M
Total Stockholders' Equity	686.6M	676.3M	645.3M	600M	601.1M	568.2M	538.3M	489.9M	458.3M	432.7M	413.3M	393.4M	361.8M	358.8M	338.5M	255.4M	245.7M	236M	237.1M	239.5M
Total Equity	686.6M	676.3M	645.3M	600M	601.1M	568.2M	538.3M	489.9M	458.3M	432.7M	413.3M	393.4M	361.8M	358.8M	338.5M	255.4M	245.7M	236M	237.1M	239.5M
SUMMARY
Total Liabilities & Equity	6.4B	6.2B	6.2B	6B	6.2B	5.9B	5.2B	5B	4.9B	4.9B	4.7B	4.6B	4.5B	4.3B	4.2B	4B	3.7B	3.5B	3.4B	3.2B
Total Investments	5.5B	5.4B	5.4B	5.2B	4.8B	4.6B	4.6B	4.4B	4.2B	4.1B	3.9B	3.9B	3.8B	3.7B	3.6B	3.4B	3.4B	3.1B	2.5B	2.8B
Total Debt	192.8M	124.9M	133.5M	294.4M	297.4M	267.5M	205.2M	161.9M	243M	209.4M	191.2M	189.1M	204.2M	159.8M	147.6M	124.6M	107.7M	109.6M	92.2M	95.6M
Net Debt	142.3M	77.6M	84.2M	251M	249M	220.3M	157M	112.6M	198.9M	160.7M	149.5M	145.6M	157.7M	104.1M	103.2M	80.5M	62.5M	67.7M	34.1M	47.7M
Shares Outstanding	18,938,008	18,938,008	18,938,008	18,938,008	18,938,008	18,938,008	18,938,008	18,938,008	18,938,008	18,938,008	18,938,008	18,938,008	18,938,008	18,938,008	18,938,008	18,938,008	18,938,008	18,938,008	18,938,008	18,938,008

SEC Filings

TRST - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 20, 2026	May 19, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 20, 2026	May 19, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 21, 2026	April 21, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 10, 2026	April 10, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 01, 2026	May 19, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 16, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 17, 2026	February 17, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 29, 2026	January 29, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 29, 2026	January 27, 2026	2026	View Filing

Showing 1 to 10 of 692 filings

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