TrustCo Bank Corp NY (TRST) earnings

TRUSTCO BANK CORP N Y· Financials

Results to: Jun 2026
Latest analysed call: Sep 2026 (Q3 FY26)
Balance sheet to: Dec 2025

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TrustCo Bank Corp NY earnings: last reported Thu, 22 Oct 2026, for the quarter ended Sep 2026.

Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

Metric	Value	Change	Basis	Period	Note
Revenue	Unavailable	—	Quarterly, as filed	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Operating margin	Unavailable	—	Operating profit / revenue	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit	17.0 $ million	+12.8% YoY	Quarterly, as filed	Quarter to Jun 2026	Profit after tax as filed.

Source: Inve data from filed results (SEC filings) · to Jun 2026

Price

$55.73 +0.47% · +$0.26

Last close Oct 23, 2026 · US · USD · Source: Inve

Performance +50.9% 1Y

1Y: $36.92 on 22 Oct 2025 → $55.73. High $59.11 (15 Sept 2026), low $36.92 (22 Oct 2025).

Previous close: $55.47
52-week range: $36.92 – $59.11
One year: +50.95%

Overview

Symbol: TRST
Sector: Financials
Exchange: US
Currency: USD

Financials

What the filings say

Net profit, year on year: +13% (quarter to jun 2026 against jun 2025).

In $ million. Oldest period first.

Line item	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Profit before tax	17	15	19	20	21	21	22	23
Tax rate	23.8%	23.5%	23.7%	23.8%	23.7%	26.1%	24.7%	24.7%
Net profit	13	11	14	15	16	16	16	17
EPS ($ per share)	0.68	—	0.75	0.79	0.87	—	0.91	0.98

Source: Inve data · income statement, quarterly · to Jun 2026

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Equity capital	100	100	20	20	20	20	20	20
Reserves	256	288	314	349	394	425	447	480
Total liabilities	4,469	4,683	5,334	5,595	5,400	5,523	5,562	5,754
Fixed assets	35	35	34	33	33	34	34	41
Total assets	4,959	5,221	5,902	6,197	6,000	6,168	6,239	6,441

Source: Inve data · balance sheet · to Dec 2025

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from operations	68	64	62	55	79	64	59	58
Cash from investing	-174	-249	-35	-175	-417	-234	-4	-105
Cash from financing	-3	138	623	232	-231	97	8	136
Capital expenditure	-4	-4	-4	-3	-4	-6	-5	-12
Free cash flow	64	60	58	53	75	58	55	46

Source: Inve data · cash flow · to Dec 2025

TRST operating KPIs by quarter

TRST operating KPIs stated on its earnings calls, by fiscal quarter
KPI	Jun 2026 Q2 FY26	Sep 2026 Q3 FY26	Change vs prior quarter
Net interest margin	2.87% Net interest margin for the second quarter of '26 was 2.87%, up 16 basis points from the prior year quarter. Source: earnings call transcript	2.95% The net interest margin for the quarter -- third quarter of '26 was 2.95%, up 16 basis points from the prior year quarter. Source: earnings call transcript	+0.1 pt
Assets under management (AUM) Wealth Management	~$1.39B They had approximately $1.39 billion of assets under management as of June 30, 26. Source: earnings call transcript	~$1.37B They had approximately $1.37 billion of assets under management as of September 30, '26. Source: earnings call transcript	—

Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.

Insider filings

54 filings between Nov 15, 2025 and Sep 2, 2026.

Open market

decisions to buy or sell

Purchases

$79.7K

7 purchases by 4 insiders

Sales

None

No insider sold shares.

Compensation

not trading decisions

23: Option exercise — converted options into shares
8: Tax withheld — shares kept back by the company to cover tax

Also filed: 15 dispositions to the issuer, 1 gift.

Who traded

open market only

Insider	Bought	Sold	Last filing
McCormick Lauren Ann	$30.8K	—	Sep 2, 2026
CURLEY KEVIN M	$25.0K	—	Mar 12, 2026
LUCARELLI LISA M	$19.0K	—	Jun 4, 2026
Silverman Frank B	$4.8K	—	Apr 24, 2026

Latest filings (50)

Date	Insider	What	Shares	Value
Sep 2, 2026	McCormick Lauren Ann VP,Treasurer, Asst. Corp. Sec.	Purchase	436	$25.0K
Aug 12, 2026	McCormick Lauren Ann VP,Treasurer, Asst. Corp. Sec.	Purchase	103	$5.8K
Jul 27, 2026	McCormick Lauren Ann VP,Treasurer, Asst. Corp. Sec.	Gift	1,756	$0
Jun 4, 2026	LUCARELLI LISA M Director	Purchase	100	$5.2K
Jun 4, 2026	LUCARELLI LISA M Director	Purchase	100	$5.2K
Apr 24, 2026	Silverman Frank B Director	Purchase	105	$4.8K
Mar 12, 2026	CURLEY KEVIN M EXECUTIVE VICE PRESIDENT & COO	Purchase	588	$25.0K
Nov 26, 2025	LUCARELLI LISA M Director	Purchase	200	$8.5K
Nov 21, 2025	MCCORMICK ROBERT J CHAIRMAN, PRESIDENT & CEO	Tax withheld	2,112	$87.7K
Nov 21, 2025	OZIMEK MICHAEL M EXECUTIVE VICE PRESIDENT & CFO	Tax withheld	435	$18.1K
Nov 21, 2025	CURLEY KEVIN M EXECUTIVE VICE PRESIDENT & CBO	Tax withheld	461	$19.1K
Nov 21, 2025	MCCORMICK ROBERT J CHAIRMAN, PRESIDENT & CEO	Option exercise	4,184	$0
Nov 21, 2025	HALL MICHAEL JAMES GENERAL COUNSEL & SECRETARY	Disposition to issuer	271	$11.3K
Nov 21, 2025	OZIMEK MICHAEL M EXECUTIVE VICE PRESIDENT & CFO	Option exercise	1,107	$0
Nov 21, 2025	LEONARD ROBERT M EVP & CHIEF OPERATING OFFICER	Tax withheld	755	$31.4K
Nov 21, 2025	CURLEY KEVIN M EXECUTIVE VICE PRESIDENT & CBO	Option exercise	1,107	$0
Nov 21, 2025	HALL MICHAEL JAMES GENERAL COUNSEL & SECRETARY	Option exercise	271	$0
Nov 21, 2025	LEONARD ROBERT M EVP & CHIEF OPERATING OFFICER	Option exercise	1,600	$0
Nov 19, 2025	FLYNN BRIAN C Director	Option exercise	550	$0
Nov 19, 2025	Powell Curtis N Director	Disposition to issuer	550	$21.8K
Nov 19, 2025	Powell Curtis N Director	Option exercise	550	$0
Nov 19, 2025	Silverman Frank B Director	Option exercise	550	$0
Nov 19, 2025	LUCARELLI LISA M Director	Option exercise	550	$0
Nov 19, 2025	LUCARELLI LISA M Director	Disposition to issuer	550	$21.8K
Nov 19, 2025	Russell Kimberly Adams Director	Option exercise	550	$0
Nov 19, 2025	Silverman Frank B Director	Disposition to issuer	550	$21.8K
Nov 19, 2025	Cotugno Steffani Director	Disposition to issuer	550	$21.8K
Nov 19, 2025	Russell Kimberly Adams Director	Disposition to issuer	550	$21.8K
Nov 19, 2025	Cotugno Steffani Director	Option exercise	550	$0
Nov 19, 2025	FLYNN BRIAN C Director	Disposition to issuer	550	$21.8K
Nov 19, 2025	Maggs Thomas O Director	Option exercise	550	$0
Nov 19, 2025	CURLEY KEVIN M EXECUTIVE VICE PRESIDENT & CBO	Option exercise	1,100	$0
Nov 19, 2025	LEONARD ROBERT M EVP & CHIEF OPERATING OFFICER	Tax withheld	595	$23.6K
Nov 19, 2025	LEONARD ROBERT M EVP & CHIEF OPERATING OFFICER	Option exercise	1,283	$0
Nov 19, 2025	Maggs Thomas O Director	Disposition to issuer	550	$21.8K
Nov 19, 2025	HALL MICHAEL JAMES GENERAL COUNSEL & SECRETARY	Disposition to issuer	403	$16.0K
Nov 19, 2025	HALL MICHAEL JAMES GENERAL COUNSEL & SECRETARY	Option exercise	403	$0
Nov 19, 2025	MCCORMICK ROBERT J CHAIRMAN, PRESIDENT & CEO	Tax withheld	1,764	$70.0K
Nov 19, 2025	MCCORMICK ROBERT J CHAIRMAN, PRESIDENT & CEO	Option exercise	3,483	$0
Nov 19, 2025	OZIMEK MICHAEL M EXECUTIVE VICE PRESIDENT & CFO	Tax withheld	342	$13.6K
Nov 19, 2025	OZIMEK MICHAEL M EXECUTIVE VICE PRESIDENT & CFO	Option exercise	917	$0
Nov 19, 2025	CURLEY KEVIN M EXECUTIVE VICE PRESIDENT & CBO	Tax withheld	455	$18.1K
Nov 19, 2025	MARINELLO ANTHONY J MD PHD Director	Disposition to issuer	550	$21.8K
Nov 19, 2025	MARINELLO ANTHONY J MD PHD Director	Option exercise	550	$0
Nov 15, 2025	LEONARD ROBERT M EVP & CHIEF OPERATING OFFICER	Option exercise	1,226	$0
Nov 15, 2025	OZIMEK MICHAEL M EXECUTIVE VICE PRESIDENT & CFO	Disposition to issuer	877	$35.2K
Nov 15, 2025	OZIMEK MICHAEL M EXECUTIVE VICE PRESIDENT & CFO	Option exercise	877	$0
Nov 15, 2025	HALL MICHAEL JAMES GENERAL COUNSEL & SECRETARY	Disposition to issuer	192	$7.7K
Nov 15, 2025	HALL MICHAEL JAMES GENERAL COUNSEL & SECRETARY	Option exercise	192	$0
Nov 15, 2025	MCCORMICK ROBERT J CHAIRMAN, PRESIDENT & CEO	Disposition to issuer	3,067	$123.0K

Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.

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