BlastPoint's Banking Scorecard
TrustCo Bank
Glenville, NY
133 branches across NY · FL · MA · NJ · VT
TrustCo Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.03% below tier average
- + Delinquency Rate 0.48% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 8.6% in tier
- - Liquidity Strain: Bottom 15.6% in tier
- - Credit Quality Pressure: Bottom 19.7% in tier
- - ROA 0.35% below tier average
- - Net Interest Margin 0.97% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.5B
+2.7% YoY
+1.0% QoQ
|
+$3.7B |
$2.8B
-0.1% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
Top 9.0% in tier |
| Total Loans ? |
$5.2B
+3.4% YoY
+0.7% QoQ
|
+$3.3B |
$2.0B
+0.6% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
Top 5.8% in tier |
| Total Deposits ? |
$5.7B
+2.8% YoY
+1.7% QoQ
|
+$3.3B |
$2.3B
-0.3% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
Top 7.7% in tier |
| Return on Assets ? |
1.02%
+10.8% YoY
+4.5% QoQ
|
-0.35% |
1.37%
+19.6% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
34% |
| Net Interest Margin ? |
2.85%
+6.9% YoY
+3.1% QoQ
|
-0.97% |
3.82%
+6.9% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.0% in tier |
| Efficiency Ratio ? |
54.03%
-6.6% YoY
-3.4% QoQ
|
-7.03% |
61.06%
-4.6% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
67% |
| Delinquency Rate ? |
0.41%
+10.8% YoY
+2.8% QoQ
|
-0.48% |
0.89%
+14.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
92.65%
+0.5% YoY
-1.0% QoQ
|
+8.45% |
84.20%
+0.3% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
14.37%
-0.4% YoY
-2.0% QoQ
|
-6.92% |
21.29%
-2.5% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.35%
+6.6% YoY
+2.1% QoQ
|
-0.32% |
0.67%
+15.6% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
58% |
| Tier 1 Capital Ratio ? |
14.26%
-23.6% YoY
+2.0% QoQ
|
-0.90% |
15.16%
+2.0% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.08%
-2.6% YoY
-74.2% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
23% |
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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 (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.