{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-24-043797","form_type":"8-K","ticker":"TRST","cik":"0000357301","company_name":"TRUSTCO BANK CORP N Y","filed_at":"2024-10-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.730037+00:00","generated_at":"2026-05-30T12:36:53.814833+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 Q3 net income $12.9M, EPS $0.68; NIM expands to 2.61%","bullets":["Net income $12.9M ($0.68 diluted EPS) vs $14.7M ($0.77) in Q3 2023; 9M 2024 net income $37.6M ($1.97) vs $48.9M ($2.57) prior year.","Net interest income $38.7M, up 2.3% from Q2 2024; net interest margin 2.61%, up 8 bps from 2.53% in Q2 2024.","Average loans grew 2.6% YoY; home equity lines up 18.7% YoY; residential loans up 1.2% YoY.","Nonperforming loans $19.4M (0.38% of total loans); allowance for credit losses to loans 0.99%; coverage ratio 256.9%.","Book value per share $35.19, up 7.3% from $32.80 a year ago; equity to assets 10.95%, up from 10.31%."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-24-043797","json":"https://secwatch.observer/filing/0001140361-24-043797.json","markdown":"https://secwatch.observer/filing/0001140361-24-043797.md","text":"https://secwatch.observer/filing/0001140361-24-043797.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/357301/000114036124043797/0001140361-24-043797-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/357301/000114036124043797/ef20037449_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T12:36:53.814833+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"}