{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-26-029118","form_type":"8-K","ticker":"TRST","cik":"0000357301","company_name":"TRUSTCO BANK CORP N Y","filed_at":"2026-07-21T20:00:34+00:00","discovered_at":"2026-07-21T20:02:00.747316+00:00","generated_at":"2026-07-21T20:02:21.325162+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"TrustCo Q2 net income $17M, EPS $0.98 (+24% YoY); net interest margin expands to 2.87%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-26-029118","json":"https://secwatch.observer/filing/0001140361-26-029118.json","markdown":"https://secwatch.observer/filing/0001140361-26-029118.md","text":"https://secwatch.observer/filing/0001140361-26-029118.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/357301/000114036126029118/0001140361-26-029118-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/357301/000114036126029118/ef20078312_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-21T20:02:21.325162+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}