---
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"
generated_at: "2026-07-21T20:02:21.325162+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- 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/357301/000114036126029118/0001140361-26-029118-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/357301/000114036126029118/ef20078312_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-26-029118
- JSON: https://secwatch.observer/filing/0001140361-26-029118.json
- Plain text: https://secwatch.observer/filing/0001140361-26-029118.txt

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