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TrustCo Bank NY (TRST) investor relations material
TrustCo Bank NY Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Net income for Q2 2025 was $15M ($0.79 per share), up 19.8% year-over-year, with six-month net income at $29.3M.
Return on average assets rose to 0.96% and return on average equity to 8.73% in Q2 2025.
Net interest income increased 10.5% to $41.7M, driven by higher loan yields and controlled deposit costs.
Loan and deposit growth were robust, with average loans up $115.6M and deposits up $173.4M year-over-year.
Wealth management fees grew 13% to $1.8M, with assets under management at $1.2B.
Financial highlights
Net interest margin expanded to 2.71%, up 18 basis points year-over-year.
Book value per share rose 6.6% to $36.75 from $34.46 a year earlier.
Allowance for credit losses was $51.3M (0.99% of loans), coverage ratio 286.2%.
Nonperforming loans to total loans decreased to 0.35%; nonperforming assets to total assets at 0.30%.
Total deposits grew by $213M year-over-year, ending at $5.5B.
Outlook and guidance
Management expects continued net interest income growth and balance sheet expansion, with positive momentum into 2026.
Margin pressure from the current interest rate environment is noted, but balance sheet is positioned for resilience.
The company will monitor new tax legislation but does not expect a significant effect on 2025 income tax expense.
Assess impact of potential easing cycle.
Explain drivers of wealth management fee increase.
Detail strategy for capital optimization.
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Next TrustCo Bank NY earnings date
Q3 202522 Oct, 2025
Next TrustCo Bank NY earnings date
Q3 202522 Oct, 2025
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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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