TrustCo Q2 net income $17M, EPS $0.98 (+24% YoY); net interest margin expands to 2.87%

TRUSTCO BANK CORP N Y

Net income $17.0M, diluted EPS $0.98, up 12.8% and 24.1% YoY respectively.
Net interest income $45.6M (+9.2% YoY); net interest margin 2.87% (+16 bps).
Average loans and deposits each grew 3.8% YoY; residential loans +3.2%, HECLs +10.4%.
Repurchased 1M shares in H1 2026; on pace to buy back 3M shares (15.8% of outstanding) by year-end.
Nonperforming loans $21.8M (0.40% of loans) vs $17.9M (0.35%) a year ago; ACL coverage 248.6%.

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