---
schema_version: "secwatch.filing_event.v1"
accession: "0001140361-26-015892"
form_type: "8-K"
ticker: "TRST"
cik: "0000357301"
company_name: "TRUSTCO BANK CORP N Y"
filed_at: "2026-04-21T23:59:59+00:00"
generated_at: "2026-05-15T05:12:33.556487+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# TrustCo Q1 2026 net income $16.3M, EPS $0.91 up 21% YoY; NIM expands 20bps

## Summary
- Net income of $16.3M (+14.1% YoY); diluted EPS $0.91 (+21.3% YoY).
- Net interest income $44.7M (+10.7% YoY); NIM 2.84% (+20bps vs 2.64%).
- Average loans up $158.9M (+3.1% YoY); loan portfolio now exceeds $5.29B.
- Repurchased 522,226 shares (2.9%) in Q1; on pace for 2M shares (11.1%) in 2026.
- Book value per share $38.32 (+6% YoY); provision for credit losses $950K.

## SEC filing metadata
- accession: 0001140361-26-015892
- form_type: 8-K
- ticker: TRST
- cik: 0000357301
- company_name: TRUSTCO BANK CORP N Y
- filed_at: 2026-04-21T23:59:59+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/357301/000114036126015892/0001140361-26-015892-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/357301/000114036126015892/ef20071047_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-26-015892
- JSON: https://secwatch.observer/filing/0001140361-26-015892.json
- Plain text: https://secwatch.observer/filing/0001140361-26-015892.txt

## Key facts
- Earnings Releases
  TRUSTCO BANK CORP N Y reported first quarter of 2026 results: net income $16.3 million, EPS $0.91 diluted earnings per share.
  - Period: first quarter of 2026
  - Net income: $16.3 million
  - EPS: $0.91 diluted earnings per share
  - Result: reported results
  source text: This resulted in first quarter 2026 net income of $16.3 million, or $0.91 diluted earnings per share, compared to net income of $14.3 million, or $0.75 diluted earnings per share, for the first quarter 2025.
  evidence_url: https://www.sec.gov/Archives/edgar/data/357301/000114036126015892/0001140361-26-015892-index.htm

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