TRST at a glance
TRUSTCO BANK CORP N Y (TRST, SEC CIK 357301) filed its latest 10-K annual report on March 16, 2026, a 10-Q quarterly report on August 10, 2026, an 8-K current report on September 16, 2026 and Form 4 insider filings as recently as September 3, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), TRUSTCO BANK CORP N Y (TRST) reported revenue of $259.4 million (up 6.6% from FY2024) and net income of $61.1 million. Diluted EPS was $3.25.
- The most recent insider open-market purchase reported on Form 4 was by McCormick Lauren Ann on September 2, 2026 of 436 shares at $57.34 per share.
- In the last 90 days, TRST insiders reported 2 open-market purchases ($31K) and 0 open-market sales ($0) on Form 4, a net purchase of $31K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $259.4M
- +6.6% vs prior year
- Insiders · 90 days
- 2 buys · 0 sells
- Net +$31K
- Latest 8-K
- Sep 16, 2026
- Item 8.01 · Item 5.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Community bank providing retail and commercial banking services
- New share repurchase program authorized for up to 2,000,000 shares (~11% outstanding), expiring Dec 31, 2026
- Completed prior repurchase program of 1,000,000 shares (~5% outstanding) by Dec 11, 2025
- Repurchased 533,088 shares in Q4 2025 at average price $39.89 totaling $21.3 million
- Aggressive capital return via stock buybacks indicating strong liquidity position in fiscal 2026 filing
Risk Factors
- No specific regulatory or legal risk detailed in text
- No geopolitical or macroeconomic threat detailed in text
- Cybersecurity operational risk managed by ISO with 20+ years experience, reporting to Risk Committee monthly
- No competitive or market disruption risk detailed in text
- No financial or structural risk detailed in text
Management Discussion & Analysis
- No MD&A financial details disclosed in this filing; refers to 2025 Annual Report pages 6-33 for discussion
- No revenue, profitability, segment, cash flow, or forward-looking data within provided text
AI summary of the TRST 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Average Federal Funds sold and short-term investments $687.2M vs $648.5M YoY
- Investment redeployment plans toward securities and loan portfolios as opportunities arise
- No derivatives exposure, including swaps or forward placement contracts
- No additional market-risk disclosures since December 31, 2025
Risk Factors
- No risk-factors section provided; filing excerpt begins with Item 2 and contains no stated risk-factor changes
- Share-repurchase execution risk: 479,141 shares repurchased for $24.3 million during the quarter
- Capital-allocation risk: repurchase program authorization reduced to 998,633 remaining shares
- Governance-compliance risk: no directors or executive officers adopted or terminated Rule 10b5-1 arrangements
- Disclosure limitation: provided text contains no liquidity, debt-maturity, currency, regulatory, legal, or competitive risk details
AI summary of the TRST 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 8.01: Other Events
- TrustCo elected Ms. Fusco and Mr. Guentner to its Board on September 16, 2026
- Board additions may influence governance, oversight, and strategic direction
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Board expanded from 9 to 11 directors, adding Patricia Kieper-Fusco and Bryan L. Guentner effective September 15, 2026
- New directors also appointed to Trustco Bank’s board, strengthening parent-subsidiary governance alignment
Item EX-99.1: Item EX-99.1
- Two directors appointed effective September 15, 2026 to TrustCo and Trustco Bank boards
- Patricia Kieper-Fusco adds human-resources and workforce expertise through Fusco Personnel leadership
Item 8.01: Other Events
- Quarterly cash dividend increased 5.3% to $0.40 per share
- Annualized dividend rises to $1.60 per share
Item EX-99.1: Item EX-99.1
- Quarterly dividend raised 5.3% to $0.40 per share, or $1.60 annualized
- Payment scheduled for October 1, 2026, to shareholders of record September 4, 2026
Item 2.02: Results of Operations and Financial Condition
- TrustCo reported results for the quarter ended June 30, 2026
- Full operating metrics and financial results are contained in Exhibit 99(a)
Item EX-99.1: Item EX-99.1
- Q2 net income $17.0M, up 12.8% YoY, with diluted EPS $0.98 versus $0.79
- Net interest margin expanded to 2.87% from 2.71%, driving net interest income growth to $45.6M
AI summaries of TRST 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for TRST
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- Fund moves. Which tracked funds opened, added or cut TRST, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| McCormick Lauren Ann | Buy | Sep 2, 2026 | 436 | $57.34 |
| McCormick Lauren Ann | Buy | Aug 12, 2026 | 103 | $56.51 |
| McCormick Lauren Ann | G | Jul 27, 2026 | 1,756 | - |
| LUCARELLI LISA M | Buy | Jun 4, 2026 | 100 | $52.29 |
| LUCARELLI LISA M | Buy | Jun 4, 2026 | 100 | $52.29 |
| Silverman Frank B | Buy | Apr 24, 2026 | 105 | $46.18 |
| CURLEY KEVIN M | Buy | Mar 12, 2026 | 588 | $42.55 |
| LUCARELLI LISA M | Buy | Nov 26, 2025 | 200 | $42.69 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $226.2M | $243.3M | $259.4M |
| Net Income | $58.6M | $48.8M | $61.1M |
| Net Margin | 25.9% | 20.1% | 23.6% |
| Balance Sheet | |||
| Total Assets | $6.2B | $6.2B | $6.4B |
| Equity | $645.3M | $676.3M | $686.6M |
| ROE | 9.1% | 7.2% | 8.9% |
| Per Share | |||
| EPS | - | $2.57 | $3.25 |
| Cash Flow | |||
| Operating CF | $64.1M | $59.4M | $57.6M |
| CapEx | $5.7M | $4.9M | $11.9M |
Source: XBRL data in TRUSTCO BANK CORP N Y (TRST)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
TRST filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 16, 2026 | - | Analysis | - |
| 4 | Sep 3, 2026 | - | - | - |
| 8-K | Aug 18, 2026 | - | Analysis | - |
| 13F-HR | Aug 14, 2026 | Jun 30, 2026 | - | |
| 4 | Aug 14, 2026 | - | - | - |
| 4 | Aug 14, 2026 | - | - | - |
| 10-Q | Aug 10, 2026 | Jun 30, 2026 | Analysis | |
| SC 13D | Jul 28, 2026 | - | - | |
| 8-K | Jul 21, 2026 | - | Analysis | - |
| 8-K | Jul 10, 2026 | - | Analysis | - |
| 4 | Jun 8, 2026 | - | - | |
| 8-K | May 20, 2026 | - | Analysis | |
| 8-K | May 20, 2026 | - | Analysis | |
| 13F-HR | May 13, 2026 | Mar 31, 2026 | - | |
| SC 13G | May 12, 2026 | - | - | |
| 10-Q | May 8, 2026 | Mar 31, 2026 | Analysis | |
| SC 13G | Apr 30, 2026 | - | - | |
| 4 | Apr 28, 2026 | - | - | - |
| 8-K | Apr 21, 2026 | - | Analysis | - |
| 8-K | Apr 10, 2026 | - | Analysis | - |
| 10-K | Mar 16, 2026 | Dec 31, 2025 | Analysis | |
| 4 | Mar 12, 2026 | - | - | - |
| 8-K | Feb 17, 2026 | - | - | |
| 13F-HR | Feb 13, 2026 | Dec 31, 2025 | - | |
| SC 13G | Feb 10, 2026 | - | - |
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TRST SEC filings: frequently asked questions
Are TRST insiders buying or selling?
In the last 90 days, TRUSTCO BANK CORP N Y (TRST) officers, directors and 10% owners reported 2 open-market purchases worth $30,821 by 1 insider and no open-market sales on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
What was TRST's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), TRUSTCO BANK CORP N Y (TRST) reported revenue of $259.4 million (up 6.6% from FY2024) and net income of $61.1 million. Diluted EPS was $3.25. The figures come from the XBRL data in the 10-K.
What are the main risks in TRST's latest 10-K?
In the 10-K filed March 16, 2026, TRUSTCO BANK CORP N Y (TRST) flagged: No specific regulatory or legal risk detailed in text. No geopolitical or macroeconomic threat detailed in text. (AI summary of the Risk Factors section.)
What did TRST report in its latest 8-K?
TRUSTCO BANK CORP N Y (TRST) filed an 8-K on September 16, 2026 reporting Item 8.01 (Other Events) and Item 5.02 (Departure/Appointment of Directors or Principal Officers). TrustCo elected Ms. Fusco and Mr. Guentner to its Board on September 16, 2026.
What are the latest TRST SEC filings?
TRUSTCO BANK CORP N Y (TRST) filed its latest 10-K annual report on March 16, 2026, a 10-Q quarterly report on August 10, 2026, an 8-K current report on September 16, 2026 and a Form 4 insider filing on September 3, 2026.
What is TRST's SEC CIK number?
TRUSTCO BANK CORP N Y (TRST)'s SEC Central Index Key (CIK) is 357301. EDGAR lists every TRST filing under that number.
Ask anything about TRST
The research agent reads TRST's filings, financials, insider trades and 13F holders, then answers with sources.