{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-23-049173","form_type":"8-K","ticker":"TRST","cik":"0000357301","company_name":"TRUSTCO BANK CORP N Y","filed_at":"2023-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.667944+00:00","generated_at":"2026-06-09T17:29:08.127810+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"TrustCo Q3 net income $14.7M ($0.77 EPS), down from $19.4M Q3 2022; loans hit all-time high $5.0B","bullets":["Net income $14.7M ($0.77 diluted EPS) vs $19.4M ($1.01) in Q3 2022 and $16.4M ($0.86) in Q2 2023.","Net interest income $42.2M, down 11.7% YoY; net interest margin 2.85% vs 3.16% Q3 2022.","Total loans $5.0B, up $330.8M (7.1%) YoY; residential mortgages led growth.","Nonperforming loans improved to 0.36% of total loans from 0.40% a year ago; seven consecutive quarters of net recoveries.","Book value per share $32.80, up 6.2% from $30.89; equity-to-assets ratio 10.31% vs 9.69%."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-23-049173","json":"https://secwatch.observer/filing/0001140361-23-049173.json","markdown":"https://secwatch.observer/filing/0001140361-23-049173.md","text":"https://secwatch.observer/filing/0001140361-23-049173.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/357301/000114036123049173/0001140361-23-049173-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/357301/000114036123049173/ef20012912_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T17:29:08.127810+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"e9828f630e50d5fe7208f4ed90c6424e26e77bd3","claim":"TRUSTCO BANK CORP N Y reported third quarter 2023 results: net income $14.7 million, EPS $0.77 diluted earnings per share.","evidence_excerpt":"On October 23, 2023 TrustCo Bank Corp NY (\"TrustCo\") issued a press release with results for the quarter ending September 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/357301/000114036123049173/0001140361-23-049173-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter 2023"},{"label":"Net income","value":"$14.7 million"},{"label":"EPS","value":"$0.77 diluted earnings per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}