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Trustco Bank Corp TRST Net Interest Income

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Other financials

Income statement

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Revenue$51.5M+10.5%
Net income$17.0M+12.8%
EPS (diluted)$0.98+24.1%

Balance sheet

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Cash & equivalents$696.6M-2.4%
Total debt$144.7M+18.9%
Total equity$656.0M-5.3%
Total assets$6.5B+2.8%

Cash flow

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Operating cash flow$28.0M+3.5%
CapEx$2.5M+17.5%
Free cash flow$25.5M+2.3%

Valuation

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Market cap$938.07M+49.1%
Enterprise value$386.18M+933%
P/E14.4×+2.6×
P/S4.8×+1.2×

Profitability

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Net margin33%+3.1pp
FCF margin30.3%+2.8pp

Returns & leverage

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Return on equity9.6%+1.7pp
Debt / equity0.2×0.0×

Where this comes from

Reported directly by Trustco Bank Corp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The source filing: Trustco Bank Corp’s 10-Q, filed August 10, 2026.

Filed
Aug 10, 2026, 1:23 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001140361-26-031982
Line itemThree months ended June 30, 2026Three months ended June 30, 2025Six months ended June 30, 2026Six months ended June 30, 2025
Time deposits18,86319,19537,22038,178
Interest on short-term borrowings369176770356
Total interest expense22,11722,72643,63545,170
Net interest income45,59041,74690,29882,119
Provision for credit losses6506501,600950
Net interest income after provision for credit losses44,94041,09688,69881,169
Noninterest income:
Trustco financial services income1,9801,8184,1153,938

Cover / Front Matter

FAQ

What is Trustco Bank Corp's net interest income?
Trustco Bank Corp (TRST) reported net interest income of $45.59M in Q2 2026.
How has Trustco Bank Corp's net interest income changed year-over-year?
Trustco Bank Corp's net interest income increased by 9.2% year-over-year, from $41.75M to $45.59M.
What is the long-term trend for Trustco Bank Corp's net interest income?
Over 4 years (2021 to 2025), Trustco Bank Corp's net interest income has grown at a 1.3% compound annual growth rate (CAGR), from $160.41M to $168.97M.
What does net interest income mean?
This is the difference between the interest income generated from loans and investment securities and the interest expense paid on deposits and other borrowings. It serves as the core measure of a bank's profitability from its primary lending and deposit-taking activities. A stable or growing net interest income is essential for long-term financial health.

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