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TrustCo Bank

$1B-$10B Specialty: Mortgage NY FDIC cert 31945

Glenville, NY

134 branches across NY · FL · MA · NJ · VT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
  • Deposits +3.5% year over year ($5.7B on the books).
  • Delinquency rate 0.41%.
  • Return on assets 1.04%.
  • Efficiency ratio 54.79% vs a 59.73% peer average.
  • Loan-to-deposit ratio 93.69% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 40 in NY
View $1B-$10B leaderboard (NY) →

TrustCo Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 4.94% below tier average
  • + Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 12.4% in tier
  • - Credit Quality Pressure: Bottom 23.0% in tier
  • - Liquidity Strain: Bottom 23.5% in tier
  • - ROA 0.36% below tier average
  • - Net Interest Margin 1.00% below tier average
Get updates when TrustCo Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $6.5B
+2.8% YoY +0.3% QoQ
+$3.7B $2.8B
-0.6% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
Top 8.5% in tier
Total Loans ? $5.3B
+4.3% YoY +1.6% QoQ
+$3.4B $2.0B
-0.3% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
Top 5.2% in tier
Total Deposits ? $5.7B
+3.5% YoY +0.5% QoQ
+$3.4B $2.3B
-0.5% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
Top 6.8% in tier
Return on Assets ? 1.04%
+9.7% YoY +1.7% QoQ
-0.36% 1.39%
+17.0% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
32%
Net Interest Margin ? 2.87%
+6.3% YoY +0.8% QoQ
-1.00% 3.87%
+6.2% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
Bottom 10.8% in tier
Efficiency Ratio ? 54.79%
-3.5% YoY +1.4% QoQ
-4.94% 59.73%
-12.6% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
63%
Delinquency Rate ? 0.41%
+16.5% YoY -0.3% QoQ
-0.46% 0.87%
+11.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
60%
Loan-to-Deposit Ratio ? 93.69%
+0.8% YoY +1.1% QoQ
+8.66% 85.04%
-0.1% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
30%
Non-Interest-Bearing Deposit Share ? 14.51%
+1.5% YoY +1.0% QoQ
-6.76% 21.27%
-1.5% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
26%
Nonperforming Asset Ratio ? 0.35%
+17.4% YoY +0.4% QoQ
-0.32% 0.67%
+11.7% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
58%
Tier 1 Capital Ratio ? 14.48%
-22.4% YoY +1.5% QoQ
-0.37% 14.84%
-0.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
69%
Non-Interest Income / Assets ? 0.16%
-0.5% YoY +101.8% QoQ
-0.36% 0.53%
+2.5% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
23%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 14.5%
+0.2pp YoY
+0.1pp QoQ
 -6.9pp 21.4% 22.1% 22.2% 25%
Brokered Deposits n/a n/a 9.5% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 0.3%
-0.1pp YoY
0.0pp QoQ
 -13.7pp 14.0% 11.0% 12.5% 1%
CRE 4.4%
+0.1pp YoY
+0.1pp QoQ
 -45.6pp 50.0% 46.2% 41.4% 0%
1-4 Family 96.1%
0.0pp YoY
0.0pp QoQ
 +69.7pp 26.4% 36.6% 31.3% 99%
Consumer 0.2%
-0.1pp YoY
0.0pp QoQ
 -4.5pp 4.7% 5.1% 5.0% 18%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 14.5%
-4.2pp YoY
+0.2pp QoQ
 -1.1pp 15.6% 26.1% 19.7% 64%
Leverage Ratio 8.4%
-2.2pp YoY
+0.1pp QoQ
 -2.9pp 11.3% 13.9% 12.6% 4%
Total Capital Ratio 15.7%
-4.2pp YoY
+0.2pp QoQ
 -1.0pp 16.7% 27.2% 20.8% 66%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 741
+9 (+1.2%) YoY
-4 (-0.5%) QoQ
 +427 313 914 482 94%
Assets per Employee ($) $8.8M
+1.5% YoY
+0.8% QoQ
 -$1.7M $10.5M $14.8M $8.8M 52%
Branch Count 133
-4 (-2.9%) YoY
-1 (-0.7%) QoQ
 +113 20 27 18 100%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 0.4%
+0.1pp YoY
0.0pp QoQ
 -0.4pp 0.8% 1.3% 1.0% 41%
Allowance Coverage 2.49x
-13.1% YoY
+0.7% QoQ
 -16.22x 18.71x 1.92x 20.23x 58%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 9%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 12.4%
+3.4pp YoY
+0.1pp QoQ
 -0.1pp 12.6% 7.9% 11.6% 52%
Cost of Funds (YTD) 1.4%
-0.1pp YoY
0.0pp QoQ
 -0.5pp 1.9% 1.8% 1.7% 18%
Net Income ($, YTD) $33.6M
+12.9% YoY
— QoQ
 +$14.4M $19.2M $111.2M $40.4M 84%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk
#51 of 402 • Bottom 12.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#114 of 492 • Bottom 23.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.41%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#86 of 361 • Bottom 23.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.69%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

47
Total Loans
size
Value: $5.32B
Peer Median: $1.96B
#47 of 885 Top 5.2% in $1B-$10B
61
Total Deposits
size
Value: $5.68B
Peer Median: $2.32B
#61 of 885 Top 6.8% in $1B-$10B
76
Total Assets
size
Value: $6.52B
Peer Median: $2.79B
#76 of 885 Top 8.5% in $1B-$10B

Top Weaknesses (2 metrics)

790
Net Interest Margin
profitability
Value: 2.87%
Peer Median: 3.87%
#790 of 885 Bottom 10.8% in $1B-$10B
683
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.53%
#683 of 885 Bottom 22.9% in $1B-$10B
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