{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-25-001525","form_type":"8-K","ticker":"TRST","cik":"0000357301","company_name":"TRUSTCO BANK CORP N Y","filed_at":"2025-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.993081+00:00","generated_at":"2026-05-27T22:37:55.150742+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"TrustCo reports Q4 net income $11.3M, up 15% YoY; full-year net income falls to $48.8M","bullets":["Q4 2024 net income $11.3M ($0.59 diluted EPS) vs $9.8M ($0.52) in Q4 2023.","Net interest income $38.9M, up $0.3M YoY; net interest margin 2.15% down 6 bp.","Average loans grew 2.1% YoY; home equity lines up 17.9%; deposits up 0.6%.","Full-year net income $48.8M ($2.57 EPS) vs $58.6M ($3.08) in 2023.","Capital solid: equity/assets 10.84%, book value $35.56 (+4.8% YoY)."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-25-001525","json":"https://secwatch.observer/filing/0001140361-25-001525.json","markdown":"https://secwatch.observer/filing/0001140361-25-001525.md","text":"https://secwatch.observer/filing/0001140361-25-001525.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/357301/000114036125001525/0001140361-25-001525-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/357301/000114036125001525/ef20041842_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T22:37:55.150742+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"}