{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-25-026603","form_type":"8-K","ticker":"TRST","cik":"0000357301","company_name":"TRUSTCO BANK CORP N Y","filed_at":"2025-07-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.076341+00:00","generated_at":"2026-05-18T05:23:03.957885+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"TrustCo Q2 net income up 19.8% to $15.0M; EPS $0.79; NIM expands 18 bps to 2.71%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-25-026603","json":"https://secwatch.observer/filing/0001140361-25-026603.json","markdown":"https://secwatch.observer/filing/0001140361-25-026603.md","text":"https://secwatch.observer/filing/0001140361-25-026603.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/357301/000114036125026603/0001140361-25-026603-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/357301/000114036125026603/ef20052260_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T05:23:03.957885+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"}