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TrustCo Bank Corp NY (TRST)
:TRST
Earnings Data
Report Date
Oct 27, 2025After Close (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
―Last Year’s EPS
0.68Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call reflected strong financial performance with significant growth in net income, loans, and deposits. Margin expansion and asset quality metrics were positive, and wealth management income saw a notable increase. However, there were slight concerns with decreased installment loans and increased ORE expenses. Overall, the highlights significantly outweighed the lowlights.Company Guidance
Stellar Financial Performance
TrustCo Bank Corp reported a net income of $15 million for the quarter, an increase of 19.8% over the prior year quarter, and nearly $30 million year-to-date. Return on average assets and average equity were 0.96% and 8.73%, respectively.
Significant Loan Growth
Average loans grew by 2.3% or $115.6 million year-over-year, reaching $5.1 billion. Home equity lines of credit increased by 17.8% and commercial loans grew by 9.2% over last year.
Strong Deposit Growth
Total deposits ended the quarter at $5.5 billion, up $213 million compared to the prior year quarter, indicating strong customer confidence.
Continued Margin Expansion
Net interest income was $41.7 million for the quarter, an increase of 10.5% compared to the prior year quarter. The net interest margin increased by 18 basis points to 2.71%.
Positive Asset Quality Metrics
Nonperforming loans decreased to 0.35% of total loans, and the allowance for credit losses was solid at $51.3 million with a coverage ratio of 286%.
Wealth Management Success
Noninterest income from wealth management increased 13% to $1.8 million, with assets under management totaling approximately $1.2 billion.
TRST Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
TRST Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jul 21, 2025 | $35.27 | $35.72 | +1.28% |
Apr 21, 2025 | $28.10 | $29.50 | +4.98% |
Jan 21, 2025 | $31.77 | $30.83 | -2.96% |
Oct 21, 2024 | $31.52 | $32.38 | +2.73% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does TrustCo Bank Corp NY (TRST) report earnings?
TrustCo Bank Corp NY (TRST) is schdueled to report earning on Oct 27, 2025, After Close (Confirmed).
What is TrustCo Bank Corp NY (TRST) earnings time?
TrustCo Bank Corp NY (TRST) earnings time is at Oct 27, 2025, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is TRST EPS forecast?
Currently, no data Available