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TrustCo Bank NY (TRST) investor relations material
TrustCo Bank NY Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Net income for Q3 2025 was $16.3 million ($0.86 diluted EPS), up 26.3% year-over-year from $12.9 million ($0.68 EPS); nine-month net income was $45.6 million ($2.41 EPS), up from $37.6 million ($1.97 EPS).
Net interest income increased 11.5% to $43.1 million, driven by higher loan yields and disciplined deposit pricing.
Return on average assets improved to 1.02% and return on average equity to 9.29% for Q3 2025.
Management remains committed to long-term shareholder value, including ongoing share repurchases.
The company maintained strong liquidity and capital positions, with a focus on high-quality underwriting and prudent lending.
Financial highlights
Net interest margin for Q3 2025 was 2.79%, up 18 bps year-over-year; average loan portfolio grew by $125.9 million to $5.18 billion.
Book value per share increased 6% to $37.30 year-over-year.
Total deposits reached $5.5 billion, up $217 million from the prior year; total assets at September 30, 2025 were $6.35 billion.
Allowance for credit losses on loans was $51.9 million (1.00% of loans), with a coverage ratio of 280.8% of nonperforming loans.
Nonperforming loans totaled $18.5 million at quarter-end, primarily residential real estate.
Outlook and guidance
Management expects continued net interest income growth and margin expansion as loan and investment portfolios reprice upward.
Plans to complete the current share repurchase program and seek further authorization.
Expansion opportunities being considered in Florida (Pasco County) and downstate New York.
No material impact is expected from recent tax law changes (OBBBA) on the 2025 effective tax rate.
Strong liquidity and disciplined loan production are expected to support future growth.
Drivers of future net interest income upside?
Timeline for remaining share repurchase program?
Basis for loan portfolio quality confidence?
Future share repurchase plans?
CD repricing strategy and outlook.
Target areas for branch expansion?
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Next TrustCo Bank NY earnings date
Q4 202520 Jan, 2026
Next TrustCo Bank NY earnings date
Q4 202520 Jan, 2026
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Frequently asked questions
TrustCo Bank Corp NY operates as the holding company for Trustco Bank, offering a range of personal and commercial banking services. The bank provides deposit products, including checking, savings, and money market accounts, as well as certificates of deposit. Its lending services include residential mortgages, home equity loans, and commercial real estate loans. Trustco Bank also offers online and mobile banking, retirement accounts, and financial planning services. The company primarily serves customers in the Northeastern United States. TrustCo Bank Corp NY is headquartered in Glenville, New York, and its shares are listed on the NASDAQ.
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