Glenville, NY · Cert 31945 · Trustco Bank Corp. NY
State savings bank · OCC · 132 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
58
Asset Quality
79
Profitability
30
Liquidity
62
Efficiency
66
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Glenville, NY · Cert 31945 · Trustco Bank Corp. NY
State savings bank · OCC · 132 branches
Q2 2026
Market Position · Albany-Schenectady-Troy, NY · 2026 SOD (annual) · 11.7% share · #2 of 19 inst. · $3.7B of $31.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.81% | 0.92% | 0.94% | 0.97% | 0.97% | 1.02% | 1.04% | +9 bps | |
| Return on Equity | 8.07% | 7.82% | 8.82% | 9.03% | 9.28% | 9.73% | 12.39% | 12.45% | +342 bps | |
| Net Interest Margin | 2.48% | 2.46% | 2.58% | 2.61% | 2.64% | 2.67% | 2.75% | 2.74% | +13 bps | |
| Efficiency Ratio | 60.61% | 61.72% | 57.86% | 56.80% | 56.11% | 55.94% | 54.03% | 54.79% | -200 bps | |
| Non-Interest Burden | 1.37% | 1.39% | 1.35% | 1.34% | 1.34% | 1.35% | 1.34% | 1.35% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.91% | 1.17% | 2.57% | 3.95% | 3.92% | 3.22% | 2.68% | 2.78% | -118 bps | |
| Loan Growth (YoY) | 2.18% | 1.90% | 2.19% | 2.34% | 2.37% | 3.01% | 3.40% | 4.28% | +194 bps | |
| Deposit Growth (YoY) | 0.57% | 0.75% | 2.64% | 4.04% | 4.12% | 3.09% | 2.83% | 3.48% | -56 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.37% | 0.37% | 0.35% | 0.36% | 0.39% | 0.41% | 0.40% | +6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.02% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 0.98% | 0.99% | 0.99% | 0.99% | 1.00% | 0.99% | 1.00% | 1.01% | +1 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.7x | 2.7x | 2.9x | 2.8x | 2.5x | 2.5x | 2.5x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.70% | 10.58% | 10.54% | 10.61% | 10.66% | 8.13% | 8.24% | 8.38% | -223 bps | |
| Total Risk-Based Capital | 19.80% | 19.79% | 19.91% | 19.90% | 19.92% | 15.23% | 15.51% | 15.73% | -417 bps | |
| Equity / Assets | 10.53% | 10.41% | 10.40% | 10.53% | 10.64% | 8.14% | 8.29% | 8.52% | -201 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.34% | 94.58% | 93.08% | 93.92% | 94.72% | 94.51% | 93.59% | 94.64% | +72 bps | |
| Liquid Assets / Assets | 7.84% | 9.61% | 11.24% | 10.61% | 10.37% | 10.62% | 11.20% | 10.05% | -55 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 33.20% | 43.55% | 42.87% | n/a | n/a | |
Glenville, NY · Cert 31945 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Trustco Bank Corp. NY
State savings bank · OCC · 132 branches
Q2 2026
Return on Assets
1.03%
Rank 121 of 176
Net Interest Margin
2.74%
Rank 165 of 176
Efficiency Ratio
54.79%
Rank 60 of 176
Equity / Assets
8.52%
Rank 148 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.03% | 0.93% | 1.26% | 1.54% | Beats 31% | 121 / 176 | ||
| Return on Equity | 12.09% | 9.26% | 11.89% | 14.46% | Beats 52% | 85 / 176 | ||
| Net Interest Margin | 2.74% | 3.25% | 3.59% | 3.93% | Beats 6% | 165 / 176 | ||
| Efficiency Ratio | 54.79% | 52.79% | 59.55% | 67.66% | Beats 66% | 60 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.40% | 0.30% | 0.64% | 1.32% | Beats 65% | 62 / 176 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 93% | 14 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.48% | 11.15% | 12.72% | 14.15% | Beats 79% | 37 / 176 | ||
| Total Risk-Based Capital Ratio | 15.73% | 11.81% | 13.63% | 15.33% | Beats 80% | 36 / 176 | ||
| Equity / Assets | 8.52% | 9.16% | 10.35% | 11.80% | Beats 16% | 148 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.64% | 80.94% | 89.73% | 97.21% | 68th pctl | 56 / 176 | ||
| Loans / Assets | 82.42% | 69.25% | 75.12% | 80.82% | 82nd pctl | 31 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||