---
schema_version: "secwatch.filing_event.v1"
accession: "0001140361-25-020049"
form_type: "8-K"
ticker: "TRST"
cik: "0000357301"
company_name: "TRUSTCO BANK CORP N Y"
filed_at: "2025-05-21T23:59:59+00:00"
generated_at: "2026-05-20T23:06:43.263052+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# TrustCo Bank Q1 net income $14.3M, up 17% YoY; book value $36.16

## Summary
- Q1 2025 net income $14.3M, up 17% from $12.1M in Q1 2024; diluted EPS $2.57 for FY2024.
- Book value per share $36.16, up $2.04 YoY; NIM (YTD) 2.64%.
- Loan growth 2.2% YoY; seven consecutive quarters of net recoveries.
- CET1 ratio 19.30%, Tier 1 leverage 11.05%; consolidated equity to assets 10.85%.
- Shareholders elected all nine director nominees with >89% support; auditor ratification with 97.87%.

## SEC filing metadata
- accession: 0001140361-25-020049
- form_type: 8-K
- ticker: TRST
- cik: 0000357301
- company_name: TRUSTCO BANK CORP N Y
- filed_at: 2025-05-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 5.07, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/357301/000114036125020049/0001140361-25-020049-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/357301/000114036125020049/ef20049522_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-25-020049
- JSON: https://secwatch.observer/filing/0001140361-25-020049.json
- Plain text: https://secwatch.observer/filing/0001140361-25-020049.txt

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