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TrustCo Bank NY Earnings Calls
| Release date | Apr 21, 2026 |
| EPS estimate | - |
| EPS actual | $0.91 |
| Revenue estimate | - |
| Revenue actual | 49.549M |
| Release date | Jan 21, 2026 |
| EPS estimate | $0.80 |
| EPS actual | $0.85 |
| EPS Surprise | 6.25% |
| Revenue estimate | 48.69M |
| Revenue actual | 70.524M |
| Revenue Surprise | 44.84% |
| Release date | Oct 21, 2025 |
| EPS estimate | $0.730 |
| EPS actual | $0.86 |
| EPS Surprise | 17.81% |
| Revenue estimate | 47.27M |
| Revenue actual | 47.808M |
| Revenue Surprise | 1.14% |
| Release date | Jul 21, 2025 |
| EPS estimate | $0.690 |
| EPS actual | $0.790 |
| EPS Surprise | 14.49% |
| Revenue estimate | 46.16M |
| Revenue actual | 46.598M |
| Revenue Surprise | 0.95% |
Last 4 Quarters for TrustCo Bank NY
Below you can see how TRST performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 21, 2025 |
| Price on release | $35.27 |
| EPS estimate | $0.690 |
| EPS actual | $0.790 |
| EPS surprise | 14.49% |
| Date | Price |
|---|---|
| Jul 15, 2025 | $34.22 |
| Jul 16, 2025 | $34.61 |
| Jul 17, 2025 | $35.34 |
| Jul 18, 2025 | $35.24 |
| Jul 21, 2025 | $35.27 |
| Jul 22, 2025 | $35.72 |
| Jul 23, 2025 | $35.90 |
| Jul 24, 2025 | $34.89 |
| Jul 25, 2025 | $34.70 |
| 4 days before | 3.07% |
| 4 days after | -1.62% |
| On release day | 1.28% |
| Change in period | 1.40% |
| Release date | Oct 21, 2025 |
| Price on release | $36.21 |
| EPS estimate | $0.730 |
| EPS actual | $0.86 |
| EPS surprise | 17.81% |
| Date | Price |
|---|---|
| Oct 15, 2025 | $36.32 |
| Oct 16, 2025 | $34.65 |
| Oct 17, 2025 | $35.11 |
| Oct 20, 2025 | $36.29 |
| Oct 21, 2025 | $36.21 |
| Oct 22, 2025 | $36.92 |
| Oct 23, 2025 | $36.92 |
| Oct 24, 2025 | $37.69 |
| Oct 27, 2025 | $38.02 |
| 4 days before | -0.303% |
| 4 days after | 5.00% |
| On release day | 1.96% |
| Change in period | 4.68% |
| Release date | Jan 21, 2026 |
| Price on release | $45.53 |
| EPS estimate | $0.80 |
| EPS actual | $0.85 |
| EPS surprise | 6.25% |
| Date | Price |
|---|---|
| Jan 14, 2026 | $42.84 |
| Jan 15, 2026 | $43.86 |
| Jan 16, 2026 | $43.45 |
| Jan 20, 2026 | $42.74 |
| Jan 21, 2026 | $45.53 |
| Jan 22, 2026 | $45.56 |
| Jan 23, 2026 | $42.98 |
| Jan 26, 2026 | $42.51 |
| Jan 27, 2026 | $42.30 |
| 4 days before | 6.28% |
| 4 days after | -7.09% |
| On release day | 0.0659% |
| Change in period | -1.26% |
| Release date | Apr 21, 2026 |
| Price on release | $46.30 |
| EPS estimate | - |
| EPS actual | $0.91 |
| Date | Price |
|---|---|
| Apr 15, 2026 | $46.19 |
| Apr 16, 2026 | $45.73 |
| Apr 17, 2026 | $46.38 |
| Apr 20, 2026 | $46.61 |
| Apr 21, 2026 | $46.30 |
| Apr 22, 2026 | $45.06 |
| Apr 23, 2026 | $46.48 |
| Apr 24, 2026 | $46.15 |
| Apr 27, 2026 | $46.99 |
| 4 days before | 0.238% |
| 4 days after | 1.49% |
| On release day | -2.68% |
| Change in period | 1.73% |
TrustCo Bank NY Earnings Call Transcript Summary of Q1 2026
TrustCo reported a strong start to 2026 with Q1 net income of $16.3 million (up 14.1% YoY), improving margins and positive returns: ROAA 1.02% and ROAE 9.66%. Net interest income rose ~10.7% YoY driven by loan repricing as older, low-rate loans are replaced with higher-yielding loans and by strategic time-deposit pricing that lowered cost of funds. Average loans reached an all-time high ($5.3B), led by home equity (+12.3%) and residential mortgages (+2.1%); deposits grew to $5.7B. Wealth management AUM was ~$1.26B and remains an important recurring noninterest income source. Credit metrics remain solid: nonperforming loans were $21.5M (0.41% of loans), allowance for credit losses $53M (coverage 247%); provision for credit losses rose to $0.95M largely due to loan growth and a conservative forward-looking economic overlay based on Moody’s baseline. Noninterest expense is controlled and management expects recurring noninterest expense for 2026 in a narrow range (~$26.7M–$27.3M). Capital remains strong (consolidated equity/assets ~10.31%); management repurchased 522,000 shares in Q1 and has authorization for up to 2M shares in 2026, with buybacks framed as the primary capital deployment strategy but executed prudently to preserve capital and liquidity.
