---
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"
generated_at: "2026-05-27T22:37:55.150742+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# TrustCo reports Q4 net income $11.3M, up 15% YoY; full-year net income falls to $48.8M

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-25-001525
- JSON: https://secwatch.observer/filing/0001140361-25-001525.json
- Plain text: https://secwatch.observer/filing/0001140361-25-001525.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.