Trustco Bank
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
$6.5BAssets
$5.4BLoans
$5.7BDeposits
$555.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 93% of banks $1B-$10B in assets operating regionally (rank 14 of 176).
- Widest gap: net interest margin trails 94% of banks $1B-$10B in assets operating regionally (rank 165 of 176).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $88.5M · efficiency ratio beats 66% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |