TrustCo Bank Corp NY (TRST)

TrustCo Bank Corp NY Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	168.97	151.94	171.85	180.14	160.41
Net Interest Income Growth	11.21%	-11.58%	-4.60%	12.30%	4.45%
Non-Interest Income	18.95	19.83	18.32	19.26	17.94
Non-Interest Income Growth	-4.48%	8.29%	-4.91%	7.38%	4.47%
Revenues Before Loan Losses	187.92	171.77	190.16	199.4	178.35
Provision for Credit Losses	1.6	2	1.25	-0.34	-5.45
Revenue	186.32	169.77	188.91	199.74	183.8
Revenue Growth (YoY)	9.74%	-10.13%	-5.42%	8.67%	11.29%
Compensation Expenses	48.74	48.15	51.24	45.9	48.72
Selling, General & Admin	43.76	45.05	43.2	40.85	40.83
Other Non-Interest Expenses	13.01	12.53	16.86	13.57	12.12
Total Non-Interest Expense	105.5	105.73	111.3	100.32	101.66
Pretax Income	80.81	64.05	77.61	99.42	82.13
Provision for Income Taxes	19.68	15.21	18.97	24.18	20.61
Net Income	61.14	48.83	58.65	75.23	61.52
Net Income to Common	61.14	48.83	58.65	75.23	61.52
Net Income Growth	25.20%	-16.73%	-22.05%	22.29%	17.29%
Shares Outstanding (Basic)	19	19	19	19	19
Shares Outstanding (Diluted)	19	19	19	19	19
Shares Change (YoY)	-1.30%	0.06%	-0.56%	-0.68%	-0.21%
EPS (Basic)	3.26	2.57	3.08	3.93	3.19
EPS (Diluted)	3.25	2.57	3.08	3.93	3.19
EPS Growth	26.46%	-16.56%	-21.63%	23.20%	17.28%
Free Cash Flow	1.6	54.56	58.46	74.84	52.53
Free Cash Flow Growth	-97.07%	-6.68%	-21.88%	42.49%	-9.95%
Free Cash Flow Per Share	0.09	2.87	3.07	3.91	2.73
Dividends Per Share	1.480	1.440	1.440	1.410	1.372
Dividend Growth	2.78%	-	2.13%	2.78%	0.69%
Profit Margin	32.81%	28.76%	31.04%	37.67%	33.47%
FCF Margin	0.86%	32.14%	30.95%	37.47%	28.58%
EBITDA	0	11.44	10.79	10.55	10.6
EBITDA Margin	0.00%	6.74%	5.71%	5.28%	5.77%
Effective Tax Rate	24.35%	23.75%	24.44%	24.32%	25.10%

Updated Jan 21, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q