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Trustco Bank
Glenville, NY · FDIC Certificate #31945 · Chartered 01/0
Total assets
$6.52B
Total deposits
$5.68B
Total equity
$555.79M
Net loans
$5.32B
Branches (offices)
132
Net income (YTD)
$33.60M
Rank: #237 of 4,213 U.S. banks by assets · #23 of 115 in New York. Assets changed 2.8% and deposits 3.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.04% |
| Return on equity | 12.45% |
| Net interest margin (YTD) | 2.87% |
| Equity to assets | 8.52% |
| Tier 1 leverage ratio | 8.38% |
| Uninsured deposits (share of deposits) | 22.0% |
| Noncurrent loans (share of loans) | 0.40% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 93.7% |
| Real estate loans (share of loans) | 100.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $5.35B | 100.5% | |
| Commercial & industrial | $17.16M | 0.3% | |
| Consumer / individual | $9.81M | 0.2% | |
| Construction & development | $46.65M | 0.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $6.23B | $5.40B | $35.60M | $576.86M |
| Jun 2023 | $6.07B | $5.26B | $34.96M | $602.30M |
| Jun 2024 | $6.11B | $5.28B | $25.14M | $631.06M |
| Jun 2025 | $6.35B | $5.49B | $29.76M | $668.26M |
| Jun 2026 | $6.52B | $5.68B | $33.60M | $555.79M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $4.53B | 80 |
| Florida | $1.09B | 49 |
| Massachusetts | $31.53M | 1 |
| Vermont | $18.72M | 1 |
| New Jersey | $14.54M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $5.68B.
Similar-sized banks
Horizon Bank ($6.55B) · United Fidelity Bank, FSB ($6.49B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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