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Trustco Bank Corp TRST Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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
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
Fees for services to customers2,4872,2664,8274,911
Net gains on equity securities844-844-

Cover / Front Matter

FAQ

What is Trustco Bank Corp's net interest income (after provisions)?
Trustco Bank Corp (TRST) reported net interest income (after provisions) of $44.94M in Q2 2026.
How has Trustco Bank Corp's net interest income (after provisions) changed year-over-year?
Trustco Bank Corp's net interest income (after provisions) increased by 9.4% year-over-year, from $41.1M to $44.94M.
What is the long-term trend for Trustco Bank Corp's net interest income (after provisions)?
Over 4 years (2021 to 2025), Trustco Bank Corp's net interest income (after provisions) has grown at a 0.2% compound annual growth rate (CAGR), from $165.86M to $167.37M.
What does net interest income (after provisions) mean?
This metric adjusts net interest income by subtracting the provision for credit losses, which accounts for expected future defaults in the loan portfolio. It provides a more accurate view of the bank's bottom-line earnings potential after accounting for the inherent risk of its lending activities. This figure helps investors evaluate the quality of the bank's loan book and its risk management practices.

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