Trustco Bank Corp N Y (TRST) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Trustco Bank Corp N Y reported revenue of $187.9M, up 9.4% from $171.8M the year before. Net income was $61.1M (a 32.5% net margin), or $3.25 per diluted share. Net interest income was $169.0M, and the efficiency ratio (noninterest expense / revenue) was 56.1%. Operating activities generated $57.6M of cash, leaving $45.7M of free cash flow. At fiscal year end, Trustco Bank Corp N Y held $6.44B in total assets against $5.75B in total liabilities, including $730.4M of cash and equivalents.
Open the full interactive Trustco Bank Corp N Y financials → Quarterly statements, key ratios, valuation history and price charts.
Trustco Bank Corp N Y Key Stats
| Share Price | $54.21 |
|---|---|
| Market Cap | $942.5M |
| P/E Ratio | 16.7 |
| Revenue YoY Growth | +9.4% |
| 52-Week Range | $33.57 – $59.11 |
| Shares Outstanding | 17.3 million (basic, 2026 Q2) |
Trustco Bank Corp N Y Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $153.6M | $160.4M | $180.1M | $171.8M | $151.9M | $169.0M |
| Provision for Credit Losses | $5.6M | -$5.5M | -$341,000 | $1.2M | $2.0M | $1.6M |
| Noninterest Income | $17.2M | $17.9M | $19.3M | $18.3M | $19.8M | $18.9M |
| Noninterest Expense | $95.7M | $101.7M | $100.3M | $111.3M | $105.7M | $105.5M |
| Revenue | $170.8M | $178.3M | $199.4M | $190.2M | $171.8M | $187.9M |
| Pre-Tax Income | $69.4M | $82.1M | $99.4M | $77.6M | $64.0M | $80.8M |
| Income Tax | $17.0M | $20.6M | $24.2M | $19.0M | $15.2M | $19.7M |
| Net Income | $52.5M | $61.5M | $75.2M | $58.6M | $48.8M | $61.1M |
| Diluted EPS | $2.71 | $3.19 | $3.93 | $3.08 | $2.57 | $3.25 |
Trustco Bank Corp N Y Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $47.8M | $48.2M | $49.5M | $51.5M |
| Net Income | $16.3M | $15.6M | $16.3M | $17.0M |
| Diluted EPS | $0.86 | $0.83 | $0.91 | $0.98 |
Trustco Bank Corp N Y Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $1.11B | $1.22B | $650.6M | $578.0M | $641.8M | $730.4M |
| Loans (Net) | $4.19B | $4.39B | — | — | — | — |
| Total Assets | $5.90B | $6.20B | $6.00B | $6.17B | $6.24B | $6.44B |
| Deposits | $5.04B | $5.27B | $5.19B | $5.35B | $5.39B | $5.56B |
| Total Liabilities | $5.33B | $5.60B | $5.40B | $5.52B | $5.56B | $5.75B |
| Shareholders' Equity | $568.2M | $601.1M | $600.0M | $645.3M | $676.3M | $686.6M |
Trustco Bank Corp N Y Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $62.2M | $55.4M | $78.6M | $64.1M | $59.4M | $57.6M |
| Cash From Investing | -$35.3M | -$175.3M | -$416.6M | -$233.6M | -$3.8M | -$104.7M |
| Cash From Financing | $623.4M | $232.3M | -$230.9M | $96.9M | $8.1M | $135.7M |
| Free Cash Flow | $58.3M | $52.5M | $74.8M | $58.5M | $54.6M | $45.7M |
Figures from Trustco Bank Corp N Y's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Trustco Bank Corp N Y financials page for every line item.
Trustco Bank Corp N Y Company Profile
| Ticker | TRST |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Albany, New York |
| Incorporated in | New York |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0000357301 |
Frequently Asked Questions
What was Trustco Bank Corp N Y's revenue in fiscal 2025?
Trustco Bank Corp N Y (TRST) reported revenue of $187.9M for fiscal 2025.
What is Trustco Bank Corp N Y's annual revenue history?
Trustco Bank Corp N Y's annual revenue by fiscal year: 2020: $170.8M; 2021: $178.3M; 2022: $199.4M; 2023: $190.2M; 2024: $171.8M; 2025: $187.9M.
What was Trustco Bank Corp N Y's net income in fiscal 2025?
Trustco Bank Corp N Y reported net income of $61.1M for fiscal 2025.
What was Trustco Bank Corp N Y's earnings per share (EPS) in fiscal 2025?
Trustco Bank Corp N Y's diluted EPS was $3.25 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Trustco Bank Corp N Y generate in fiscal 2025?
Trustco Bank Corp N Y generated $45.7M of free cash flow in fiscal 2025.
What was Trustco Bank Corp N Y's revenue last quarter?
In its most recent reported quarter (2026 Q2), Trustco Bank Corp N Y reported revenue of $51.5M.
How many shares of Trustco Bank Corp N Y are outstanding?
Trustco Bank Corp N Y reported a weighted average of 17.3 million basic shares outstanding in 2026 Q2.
What is Trustco Bank Corp N Y's market cap?
Based on its latest closing price, Trustco Bank Corp N Y (TRST) has a market capitalization of about $942.5M.
When does Trustco Bank Corp N Y's fiscal year end?
Trustco Bank Corp N Y's fiscal year end, as registered with the SEC, is December 31.
Where is Trustco Bank Corp N Y headquartered?
Trustco Bank Corp N Y lists its business address in Albany, New York in its SEC filings.