{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-24-021000","form_type":"8-K","ticker":"TRST","cik":"0000357301","company_name":"TRUSTCO BANK CORP N Y","filed_at":"2024-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.588849+00:00","generated_at":"2026-06-03T14:41:00.130077+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"TrustCo Q1 net income $12.1M ($0.64 EPS) vs $17.7M ($0.93) YoY; loans up 5.2%","bullets":["Net income $12.1M, diluted EPS $0.64; down from $17.7M, $0.93 in Q1 2023.","Average loans grew $249.4M (+5.2%) YoY; residential loans up 3.5%, commercial up 16%.","Net interest income $36.6M, down 5.3% from Q4 2023; net interest margin 2.44% vs 2.60%.","Nonperforming loans $18.3M (0.37% of total loans), down from 0.40% a year ago.","Equity-to-assets 10.51% (up from 10.17%); book value per share $34.12, up 5.6%."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-24-021000","json":"https://secwatch.observer/filing/0001140361-24-021000.json","markdown":"https://secwatch.observer/filing/0001140361-24-021000.md","text":"https://secwatch.observer/filing/0001140361-24-021000.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/357301/000114036124021000/0001140361-24-021000-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/357301/000114036124021000/ef20027309_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T14:41:00.130077+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}