TrustCo Q2 net income up 19.8% to $15.0M; EPS $0.79; NIM expands 18 bps to 2.71%

TRUSTCO BANK CORP N Y

2025-Q2 EPS reported $1.54

Net income $15.0M ($0.79 diluted EPS) vs $12.6M ($0.66) in Q2 2024, up 19.8%.
Net interest income $41.7M, up 10.5% YoY; net interest margin 2.71% vs 2.53%.
Average loans +$115.6M (+2.3% YoY); home equity lines up 18%; commercial loans +11%.
Repurchased 169k shares (0.9% of shares outstanding) during Q2 2025.
NPLs fell to $17.9M (0.35% of loans) from $19.2M; allowance coverage ratio 286.2%.

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