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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 0.97% | 0.97% | 1.02% | 1.04% | +9 bps | |
| Return on Equity | 9.03% | 9.28% | 9.73% | 12.39% | 12.45% | +342 bps | |
| Net Interest Margin | 2.61% | 2.64% | 2.67% | 2.75% | 2.74% | +13 bps | |
| Efficiency Ratio | 56.80% | 56.11% | 55.94% | 54.03% | 54.79% | -200 bps | |
| Non-Interest Burden | 1.34% | 1.34% | 1.35% | 1.34% | 1.35% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.95% | 3.92% | 3.22% | 2.68% | 2.78% | -118 bps | |
| Loan Growth (YoY) | 2.34% | 2.37% | 3.01% | 3.40% | 4.28% | +194 bps | |
| Deposit Growth (YoY) | 4.04% | 4.12% | 3.09% | 2.83% | 3.48% | -56 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.35% | 0.36% | 0.39% | 0.41% | 0.40% | +6 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 0.99% | 1.00% | 0.99% | 1.00% | 1.01% | +1 bps | |
| Allowance Coverage of NPLs | 2.9x | 2.8x | 2.5x | 2.5x | 2.5x | -0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.61% | 10.66% | 8.13% | 8.24% | 8.38% | -223 bps | |
| Total Risk-Based Capital | 19.90% | 19.92% | 15.23% | 15.51% | 15.73% | -417 bps | |
| Equity / Assets | 10.53% | 10.64% | 8.14% | 8.29% | 8.52% | -201 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.92% | 94.72% | 94.51% | 93.59% | 94.64% | +72 bps | |
| Liquid Assets / Assets | 10.61% | 10.37% | 10.62% | 11.20% | 10.05% | -55 bps | |
| CRE / Total Capital | n/a | 33.20% | 43.55% | 42.87% | n/a | n/a | |