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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
TrustCo Bank NY
TrustCo Bank NY (TRST) investor relations material
TrustCo Bank NY Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
Q3 2026 net income rose 6.5% YoY to $17.318 million; diluted EPS increased 18.6% to $1.02.
Higher-yield loan repricing, loan and deposit growth, and lower interest expense lifted net interest income and margin.
Management cited favorable momentum and a resilient balance sheet, supporting optimism for continued progress into 2027.
Financial highlights
Q3 net interest income increased 9.1% YoY to $47.0 million; net interest margin expanded 16 bps to 2.95%.
9M net income rose to $50.568 million from $45.572 million; diluted EPS was $2.91 versus $2.41.
9M net interest income increased to $137.337 million from $125.238 million YoY.
Non-interest expense, net of ORE income, was $28 million, down $300,000 QoQ.
Outlook and guidance
Management expects loan and investment repricing, liquidity, and continued loan growth to support net interest income and net income in coming quarters.
2026 recurring non-interest expense, net of ORE expense, is expected at $27.8 million-$28.2 million per quarter; anticipated ORE expense is capped at $200,000 per quarter.
Management expects positive momentum into 2027; a lending-operation announcement is expected in the coming months.
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Latest events from TrustCo Bank NY
- Q2 2026 net income rose 12.8% to $17.0M, driven by higher margins and strong loan growth.TRST
Q2 2026 - Q1 2026 net income rose 14.1% to $16.3M, with margin expansion and strong asset quality.TRSTQ1 2026
- 2026 meeting features director elections, equity plan expansion, strong results, and ESG focus.TRSTProxy filing
- Annual meeting seeks votes on directors, equity plan, pay, and auditor ratification.TRSTProxy filing
- Net income up 26.3% with strong loan growth, margin expansion, and robust capital ratios.TRSTQ3 2025
- Q3 2024 net income was $12.9M, with loan growth and strong asset quality despite margin pressure.TRSTQ3 2024
- Q2 2024 net income rose sequentially, with strong loan growth and robust capital ratios.TRSTQ2 2024
- Net income up 17.7% to $14.3M, with strong loan growth, stable credit quality, and a 5% buyback.TRSTQ1 2025
- 2024 net income hit $48.8M, with strong lending, capital, and new cannabis banking services.TRSTQ4 2024
Next TrustCo Bank NY earnings date
Q4 202615 Jan, 2027
TrustCo Bank NY
Next TrustCo Bank NY earnings date
Q4 202615 Jan, 2027
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