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TrustCo Bank
Glenville, NY·FDIC Cert #31945·Charter: OCC·Est. 19250101.0·HC: TRUSTCO BANK CORP NY
Total Assets
$6.4B
Q4 2025
Return on Assets
0.97%
+0.00%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
55.94%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.97%+0.00
ROE
9.73%+0.45
Efficiency
55.94%-0.17
Equity/Assets
0.00%+0.00
NPL Ratio
0.40%+0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
93.57%-0.20
Charge-offs
-0.01%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.8 | 0.8 | 0.8 | 0.9 | 0.9 | 1.0 | 1.0 |
| ROE | 7.9 | 8.0 | 8.1 | 7.8 | 8.8 | 9.0 | 9.3 | 9.7 |
| Efficiency | 59.8 | 60.0 | 60.6 | 61.7 | 57.9 | 56.8 | 56.1 | 55.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 |
| Charge-offs | -0.0 | -0.0 | 0.0 | 0.0 | -0.0 | -0.0 | -0.0 | -0.0 |
| Loan/Deposit | 92.6 | 94.5 | 95.4 | 93.6 | 92.2 | 93.0 | 93.8 | 93.6 |
Balance Sheet
Total Assets$6.4B
Total Deposits$5.6B
Total Loans$5.2B
Total Equity$524.3M
Profitability
ROA0.97%
ROE9.73%
Efficiency Ratio55.94%
Net Income$61.8M
Risk & Asset Quality
NPL Ratio0.40%
Charge-off Rate-0.01%
Loan/Deposit93.57%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans