---
schema_version: "secwatch.filing_event.v1"
accession: "0001140361-26-001838"
form_type: "8-K"
ticker: "TRST"
cik: "0000357301"
company_name: "TRUSTCO BANK CORP N Y"
filed_at: "2026-01-21T23:59:59+00:00"
generated_at: "2026-05-16T09:22:42.817775+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# TrustCo Q4 net income up 38% to $15.6M, EPS $0.85; announces 2M share buyback for 2026

## Summary
- Net income $15.6M vs $11.3M (+38%); diluted EPS $0.85 vs $0.59 (+44.1%).
- Net interest margin 2.82% (+22bps); net interest income $43.7M (+12.4%) YoY.
- Full-year 2025 net income $61.1M ($3.25 EPS) vs $48.8M ($2.57 EPS) in 2024.
- Repurchased 1M shares (5.3%) in 2025; new program authorizes up to 2M shares (11.1%) for 2026.
- Book value per share $38.08 (+7.1% YoY); total shareholder return 29% for the year.

## SEC filing metadata
- accession: 0001140361-26-001838
- form_type: 8-K
- ticker: TRST
- cik: 0000357301
- company_name: TRUSTCO BANK CORP N Y
- filed_at: 2026-01-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/357301/000114036126001838/0001140361-26-001838-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/357301/000114036126001838/ef20063519_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-26-001838
- JSON: https://secwatch.observer/filing/0001140361-26-001838.json
- Plain text: https://secwatch.observer/filing/0001140361-26-001838.txt

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