TrustCo Bank Corp NY Reports Higher Q4 Profit on Strong Loan Growth - TRST

TrustCo Bank Corp NY (TRST) reports increased fourth-quarter profit, driven by higher net interest income and improved loan demand. Results were released on January 21, 2026. Net income for the quarter ended December 31, 2025, rose to $27.8 million, or $0.30 per diluted share, compared to $25.1 million, or $0.27, in the same period a year earlier. The bank attributed the growth to a 6% annualized increase in average loans outstanding and tighter cost controls. Net interest margin expanded to 3.48% from 3.31% in the prior-year quarter, reflecting favorable deposit pricing trends and asset mix improvements. Total assets reached $12.4 billion as of December 31, 2025, up 4% year-over-year. Nonperforming assets remained low at 0.43% of total loans. Chairman and CEO Robert E. McCormick cited disciplined balance sheet management and organic lending expansion as key drivers of performance.