Trustco Bank Corp N Y is a savings and loan holding company. The core part of a business consists of accepting deposits and making loans and investments. It offers a range of both personal and business banking services. The company's product includes savings accounts; retirement accounts; money market account; mortgages; building loans; auto loans and others. The company derives revenue from the business of Banking. TrustCo lends in the geographic territory of its branch locations in New York, Florida, Massachusetts, New Jersey, and Vermont.
The chart shows the growth of an initial investment of $10,000 in Trustco Bank Corp NY, comparing it to the performance of the S&P 500 index. All prices have been adjusted for splits and dividends.
Returns By Period
Trustco Bank Corp NY (TRST) has returned 7.95% so far this year and 61.13% over the past 12 months. Looking at the last ten years, TRST has achieved an annualized return of 3.79%, underperforming the Benchmark (SPY), which averaged 12.23% per year.
TRST
1M0.45%
6M21.18%
YTD7.95%
1Y61.13%
5Y3.46%
10Y3.79%
Benchmark (SPY)
1M-3.85%
6M-2.35%
YTD-4.36%
1Y34.06%
5Y9.80%
10Y12.23%
Monthly Returns
The table below presents the monthly returns of Trustco Bank Corp NY (TRST) with color gradation from worst to best to easily spot seasonal factors.
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2026
5.24%
-0.14%
1.74%
1.69%
2025
-3.86%
4.69%
-7.69%
0.36%
2.14%
7.81%
0.75%
19.74%
-8.05%
4.66%
12.17%
0.21%
2024
-6.83%
-5.96%
3.34%
-6.69%
3.65%
2.75%
23.69%
-3.20%
-3.95%
0.24%
11.93%
-10.98%
2023
-4.49%
4.37%
-14.48%
-6.98%
-6.78%
3.70%
5.74%
-6.16%
-4.81%
-6.69%
5.63%
15.81%
2022
0.95%
1.30%
-6.17%
-3.11%
2.91%
-4.22%
8.50%
-0.74%
-4.56%
17.14%
3.79%
-2.79%
2021
-7.58%
9.55%
4.69%
-0.75%
5.90%
-12.32%
-3.28%
-5.06%
-0.37%
4.52%
-3.14%
0.63%
2020
-9.06%
-13.82%
-20.91%
18.64%
2.44%
0.32%
-9.53%
2.94%
-11.82%
4.27%
9.17%
7.23%
2019
14.12%
9.15%
-8.92%
2.83%
-7.75%
7.17%
1.38%
-5.31%
6.96%
4.85%
1.27%
-1.48%
2018
-6.52%
-1.73%
0.59%
1.16%
1.71%
1.68%
1.09%
-7.61%
-12.19%
4.23%
-12.28%
2017
-5.08%
-0.60%
-6.55%
-7.55%
5.44%
7.10%
-4.82%
13.38%
2.51%
1.63%
-2.13%
2016
5.25%
1.86%
4.40%
3.11%
7.37%
-0.56%
-1.55%
15.60%
7.36%
Performance Indicators
The charts below present risk-adjusted performance metrics for Trustco Bank Corp NY (TRST) and compare them to a Benchmark (SPY). These indicators evaluate an investment's returns against its associated risks.
Sharpe ratio
Sortino ratio
Omega ratio
Calmar ratio
Martin ratio
sharpe ratio
The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.
These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns.
The chart below shows the rolling Sharpe ratio of TRST compared to the benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.
Volatility Chart
The current Trustco Bank Corp NY volatility is 1.12%, representing the standart deviation of percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. It shows the maximum percentage drop from a peak to a trough over a specified period, indicating the risk of significant losses. Although chart shows positive values, it represents the percentage drop from the peak, so a value of 10% means the portfolio has dropped 10% from its highest point.
Income Statement
The income statement provides a summary of a company's revenues, expenses, and profits over a specific period. It shows how much money the company earned (revenues) and how much it spent (expenses), leading to the net income or profit. This statement is crucial for understanding a company's financial performance and profitability.
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
Liabilities And Equity (USD)
6.24B
6.17B
6.00B
6.20B
5.90B
5.22B
4.96B
4.91B
4.87B
4.73B
4.64B
4.52B
4.35B
4.24B
Equity Attributable To Parent (USD)
676.34M
645.29M
599.99M
601.13M
568.16M
538.26M
489.87M
458.31M
432.69M
413.31M
393.44M
361.81M
358.80M
338.52M
Equity Attributable To Noncontrolling Interest (USD)
TrustCo Bank Corp NY declared a quarterly cash dividend of $0.38 per share ($1.52 annualized) payable April 1, 2026. The $6.4 billion savings and loan holding company, operating 134 offices across five states, reported strong performance with net income of $15.6 million in Q4 2025, up 38% year-over-year. Management emphasized the dividend as part of their long-term shareholder value strategy alongside share repurchases.
GlobeNewswire Inc.•
AI Insight
The company declared a dividend increase (annualized basis of $1.52), reported strong Q4 2025 net income growth of 38% year-over-year, and management expressed confidence in delivering solid business results. The positive financial performance and commitment to shareholder returns through dividends and buybacks support a positive sentiment.
TrustCo Bank reported strong Q4 2025 results with net income up 38% year-over-year to $15.6 million, driven by net interest income growth of 12.4% and margin expansion of 22 basis points. The bank achieved record-high average loans of $5.2 billion with 2.5% growth, increased deposits to $5.6 billion, and returned significant capital to shareholders through a $1 million share repurchase program. Management expects 2026 non-interest expenses of $27.7-$28.2 million per quarter and continues expansion efforts in Florida's Pasco County.
The Motley Fool•Motley Fool Transcribing
AI Insight
Strong financial performance with 38% net income growth, 12.4% net interest income increase, margin expansion of 22 basis points, record-high loan portfolio of $5.2 billion, solid deposit growth, improved asset quality with net recoveries, and robust capital return to shareholders through expanded share repurchase authorization. Management confidence reflected in renewed buyback program allowing up to 11.1% additional share repurchases in 2026.
TrustCo Bank Corp NY announced it will release its fourth quarter 2025 financial results on January 21, 2026, followed by a conference call on January 22, 2026. The $6.3 billion savings and loan holding company operates 134 offices across five states and continues to maintain shareholder returns through dividends and stock repurchase programs.
GlobeNewswire Inc.•
AI Insight
The company is maintaining strong shareholder commitment through consistent quarterly dividends (over 120 years of uninterrupted payments), announcing a new stock repurchase program, and demonstrating operational stability with $6.3 billion in assets and 134 offices across multiple states. These actions indicate financial health and management confidence.
TrustCo Bank Corp NY announced Board approval of a new stock repurchase program authorizing up to 2 million shares (approximately 11% of outstanding shares) to be repurchased over the next 12 months. The company completed a previous 1 million share buyback program in 2025. CEO Robert McCormick stated the repurchases reflect confidence in the company's business model and capital-building strategy, aimed at increasing shareholder value.
GlobeNewswire Inc.•
AI Insight
The company is executing a substantial share repurchase program (2 million shares, ~11% of outstanding), demonstrating management confidence in the business model and financial strength. The completion of a previous 1 million share buyback and announcement of strong financial metrics (26.3% net income increase, 11.5% net interest income growth) indicate solid operational performance and capital position to support shareholder returns.
TrustCo Bank Corp NY declared a quarterly cash dividend of $0.38 per share, highlighting its 120-year history of uninterrupted dividend payments. The dividend will be payable on January 2, 2026 to shareholders of record as of December 5, 2025.
Benzinga•Globe Newswire
AI Insight
The company emphasized its financial strength, consistent dividend payments, and commitment to shareholder value, indicating a positive outlook and stable financial performance
TrustCo Bank reported strong Q3 2025 financial results, with 26.3% increase in net income, improved asset quality, and steady loan growth across residential and commercial segments. The bank completed nearly half of a 1-million-share repurchase program and maintains a disciplined approach to lending.
The Motley Fool•Motley Fool Transcribing
AI Insight
Strong financial performance with increased net income, improved asset quality, loan growth of 2.5%, deposit growth of $217 million, and strategic share repurchase program indicating management confidence
TrustCo Bank Corp NY will release its Q3 2025 financial results on October 21, 2025, followed by a conference call on October 22, 2025. The bank operates 136 offices across five states and is a $6.3 billion savings and loan holding company.
GlobeNewswire Inc.•Trustco Bank Corp Ny
AI Insight
The article highlights the bank's stable financial position, planned transparent earnings communication, and ongoing business operations across multiple states, indicating a confident and growth-oriented stance
TrustCo Bank Corp NY announced a 5.6% quarterly dividend increase to $0.38 per share, payable on October 1, 2025. The bank highlighted strong corporate performance and continued commitment to shareholder value.
GlobeNewswire Inc.•Robert M. Leonard
AI Insight
The company demonstrated strong financial performance with a dividend increase, net income growth of 19.8%, and a confident leadership statement about long-term shareholder value
TrustCo Bank Corp NY (TRST) declared a quarterly cash dividend of $0.36 per share, continuing its reliable payout tradition since 1904. The company's strong first-quarter performance enabled this distribution to shareholders.
Benzinga•Globe Newswire
AI Insight
The company declared a quarterly cash dividend, continuing its reliable payout tradition since 1904, which indicates strong financial performance and shareholder-friendly policies.
TrustCo Bank Corp NY reported a 17.7% increase in net income for the first quarter of 2025, driven by loan portfolio repricing and well-managed cost of funds.
GlobeNewswire Inc.•
AI Insight
The article reports a 17.7% increase in net income for TrustCo Bank Corp NY, indicating strong financial performance and growth.
