secwatch.observer — SEC 8-K summary
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Issuer:     TRUSTCO BANK CORP N Y (TRST)
CIK:        0000357301
Form:       8-K
Filed at:   2026-01-21T23:59:59+00:00
Accession:  0001140361-26-001838
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/357301/000114036126001838/0001140361-26-001838-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/357301/000114036126001838/ef20063519_8k.htm
  HTML page:      https://secwatch.observer/filing/0001140361-26-001838

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer