TRUSTCO BANK CORP (TRST)
Financials · Community banking / regional retail banking and savings institutions · NASDAQ
A regional community bank with $6.4 billion in assets providing residential mortgages, deposits, and trust services across 134 branches in New York, Florida, and surrounding states.
What TRUSTCO BANK CORP does
TrustCo Bank Corp is a savings and loan holding company with principal operations through its subsidiary Trustco Bank, a federal savings bank providing general banking services including deposit products, lending, and trust and investment services. As of December 31, 2025, the company held $6.4 billion in total assets and $5.6 billion in deposits, operating 134 banking offices across New York, Florida, Vermont, Massachusetts, and New Jersey. The company also operates Trustco Realty Corp., a REIT subsidiary that holds and manages residential mortgage loans and mortgage-backed securities.
Themes: ["Community banking / regional retail banking","Residential mortgage lending","Trust and wealth management","Deposit gathering"]
Fundamentals
- Price$54.46 as of 2026-07-09 close
- Market cap$950M as of 2026-07-10
- 1-year return+54.4% as of 2026-07-09 close
- P/E15.04 as of 2026-07-10
- Net margin+34.7% as of 2026-07-10
- ROE+9.2% as of 2026-07-10
- Debt / equity0.17 as of 2026-07-10
- Revenue growth (YoY)+24.6% as of 2026-07-10
- Beta0.66 as of 2026-07-10
Dividend: yield +2.8%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Credit risk from loan portfolio exposure, particularly emphasis on residential mortgage loans which exposes the company to residential real estate market weakness","Interest rate risk — changes in interest rates may significantly impact financial condition and results of operations","Rising competition for deposits from national banks, super-regional banks, brokerage houses, and money market funds in its core market areas"]
Competitors & peers
- Capital One Financial (COF)
- Berkshire Bank (subsidiary of Berkshire Hills Bancorp)
- KeyBank (subsidiary of KeyCorp)
- M&T Bank (subsidiary of M&T Bank Corporation)
- BBVA (operating as BBVA USA)
- Flagler Bank
- Credit unions (locally based in market areas)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.