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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

Trustco Bank

Glenville, New York · $6.52B in assets · beside the 11 other New York banks between $3B and $10B

The filing

8.5%
Equity / assets
10th of 10
94.6%
Loans / deposits
11th of 12
28.1%
CRE / capital
2nd of 10

Trustco Bank is the sixth largest of the 12 New York banks nearest its size between $3B and $10B, with $6.52B in assets at 30 June 2026. Loans are 94.6% of deposits, 11th of 12 against a median of 89.6%, and equity is 8.5% of assets, the lowest in the cohort. Loans grew +4.3% in the year, 6th of 12, and deposits grew 3.5%; the cohort's median loan growth is +3.2%.

Noncurrent loans are 0.40% of the book, 5th of 12 against a median of 0.71%; 0.13% is 30 to 89 days past due, and the allowance covers them 2.5 times. Commercial real estate is 3.1% of loans, 4th of 12 against a median of 36.1%, and 28% of capital, below the 300% screen, with construction at 8% against the 100% screen.

Return on assets is 1.03%, 7th of 10 against a median of 1.15%, on an efficiency ratio of 54.8%, 6th of 10. Five years ago it was 1.00%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsNY banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 10.4% NB Northfield Bank 13.1% WA Woori America Bank 13.1% RS Ridgewood Savings Bank 12.8% MC Metropolitan Commercial Bank 10.9% FS Five Star Bank 10.8% BT Bessemer Trust Co. N.A. 10.0% AB Arrow Bank National Association 9.5% TC Tompkins Community Bank 9.3% CN Canandaigua National Bank & Trust Co. 8.9% TB Trustco Bank 8.5%
Loans, year over yearNY banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.2% BT Bessemer Trust Co. N.A. +28.2% MC Metropolitan Commercial Bank +10.8% TC Tompkins Community Bank +6.9% CN Canandaigua National Bank & Trust Co. +4.8% FS Five Star Bank +4.8% TB Trustco Bank +4.3% AB Arrow Bank National Association +2.1% WA Woori America Bank +1.0% RS Ridgewood Savings Bank +1.0% NB Northfield Bank -5.4% MP Mashreqbank PSC -12.5% Bo Bank of India -18.6%

SBA 7(a), FY2008 to FY2026

Trustco Bank is the 197th largest 7(a) lender into New York of 402, with $4M across 33 loans, 0.0% of everything approved in the state (Manufacturers and Traders Trust Company leads with $1.26B). 9 of its 9 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New York, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Schenectady, NY$1M22nd of 481.3%quiet FY2016
Albany, NY$1M45th of 760.3%quiet FY2019
Westchester, NY$924K93rd of 1520.1%quiet FY2018
Orange, FL$450K179th of 2010.0%quiet FY2021
Saratoga, NY$415K44th of 580.2%quiet FY2017
Warren, NY$343K32nd of 450.3%quiet FY2017
Rensselaer, NY$225K32nd of 400.2%quiet FY2016
New York, NY$55K206th of 2080.0%quiet FY2014
Orange, NY$40K113th of 1160.0%quiet FY2016
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade10$2M36.3%0.00%1254th of 2,589
Manufacturing9$882K18.9%0.00%1446th of 2,246
Accommodation & food services4$474K10.2%0.00%1940th of 2,596
Health care & social assistance2$379K8.1%0.00%1582nd of 2,172
Real estate & leasing1$350K7.5%0.00%1033rd of 1,452
7(a) lenders into New York, share of approvals since FY2008402 lenders on record; the ten largest and Trustco Bank
Ma Manufacturers and Traders Trust C… 6.5% $1.26B · 10,321 loans N Newbank 6.4% $1.24B · 1,163 loans JC JPMorgan Chase Bank, National Ass… 5.6% $1.09B · 8,716 loans TB TD Bank, National Association 5.5% $1.07B · 8,357 loans LO Live Oak Banking Company 4.0% $774M · 638 loans KN KeyBank National Association 3.7% $717M · 3,387 loans NS Newtek Small Business Finance, In… 2.9% $571M · 760 loans FB Finwise Bank 2.8% $542M · 476 loans Bo Bank of Hope 2.7% $518M · 1,174 loans DC Dime Commercial Bank 2.6% $507M · 575 loans TB Trustco Bank 0.0% $4M · 33 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Trustco BankRankCohort median
Total CRE against capital, the 300% screen28%2nd of 10243%
Construction against capital, the 100% screen8%5th of 1012%
Construction and land development, share of loans0.9%7th of 120.9%
Non-owner-occupied nonfarm nonresidential, share of loans1.4%2nd of 1015.3%
Total CRE, the guidance definition, share of loans3.1%4th of 1236.1%
CRE growth over 36 months, the third prong+44.7%9th of 10+23.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Metropolitan Commercial Bank$8.86B1.2%52.2%0.91%1.27%0.8%94.3%10.9%
Tompkins Community Bank$8.79B1.4%53.1%0.80%0.07%0.9%92.1%9.3%
Ridgewood Savings Bank$7.55B0.7%67.3%1.85%0.18%0.7%81.1%12.8%
Bank of India$7.42Bno recordno record0.00%no recordno record67.9%no record
Mashreqbank PSC$6.93Bno recordno record0.00%no recordno record86.4%no record
Trustco Bank$6.52B1.0%54.8%0.40%0.00%1.0%94.6%8.5%
Five Star Bank$6.29B1.4%52.1%0.82%0.27%1.0%89.6%10.8%
Northfield Bank$5.50B1.0%52.3%0.62%0.28%1.0%92.6%13.1%
Canandaigua National Bank & Trust Co.$5.41B1.3%59.2%0.83%0.10%0.9%89.7%8.9%
Arrow Bank National Association$4.46B1.1%60.7%0.24%0.09%1.0%95.1%9.5%
Bessemer Trust Co. N.A.$4.16B3.2%79.4%0.00%0.00%0.0%32.7%10.0%
Woori America Bank$4.12B0.7%53.9%1.92%0.02%1.6%87.6%13.1%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Trustco BankCohort median
20212026Change20212026Change
Loans$4.35B$5.38B+24%$2.60B$3.99B+54%
Deposits$5.23B$5.68B+9%$3.00B$4.93B+65%
NPA / loans0.48%0.40%-0.07 pts0.26%0.71%+0.45 pts
Efficiency54.8%54.8%-0.0 pts57.2%54.3%-2.9 pts
ROA1.00%1.03%+0.03 pts1.37%1.15%-0.22 pts

This read was prepared for Trustco Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Trustco Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks $3B to $10B
Institution www.trustcobank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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