---
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"
generated_at: "2026-05-18T05:23:03.957885+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-25-026603
- JSON: https://secwatch.observer/filing/0001140361-25-026603.json
- Plain text: https://secwatch.observer/filing/0001140361-25-026603.txt

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