{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-24-033737","form_type":"8-K","ticker":"TRST","cik":"0000357301","company_name":"TRUSTCO BANK CORP N Y","filed_at":"2024-07-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.520410+00:00","generated_at":"2026-05-31T18:42:07.198168+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 Q2 net income $12.6M ($0.66 EPS); loan growth 3.8% YoY, NIM up 9bps to 2.53%","bullets":["Net income $12.6M vs $16.4M in Q2 2023; diluted EPS $0.66 down 23% YoY but up 4% from Q1 2024.","Net interest income $37.8M, up 3.3% from prior quarter; net interest margin 2.53% (up 9 bps QoQ).","Average loans grew $182.2M (+3.8% YoY); residential, home equity, and commercial all increased.","Nonperforming loans $19.2M (0.38% of total loans); allowance coverage ratio 259.4%.","Book value per share $34.46 (+5.5% YoY); equity-to-assets ratio 10.73%."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-24-033737","json":"https://secwatch.observer/filing/0001140361-24-033737.json","markdown":"https://secwatch.observer/filing/0001140361-24-033737.md","text":"https://secwatch.observer/filing/0001140361-24-033737.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/357301/000114036124033737/0001140361-24-033737-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/357301/000114036124033737/ef20032698_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T18:42:07.198168+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"}