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Trustco Bank Corp TRST Provision for Credit Losses

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Segments

By geography

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FL$94K

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:FinancingReceivableAllowanceForCreditLossesWriteOffs.

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
(dollars in thousands)CommercialReal Estate Mortgage- 1 to 4 FamilyInstallmentTotal
Loans charged off:
New York and other states*--88
Florida--55
Total loan chargeoffs--1313
Recoveries of loans previously charged off:
New York and other states*-7229101
Florida----
Total recoveries-7229101

Cover / Front Matter

FAQ

What is Trustco Bank Corp's provision for credit losses?
Trustco Bank Corp (TRST) reported provision for credit losses of $13K in Q2 2026.
How has Trustco Bank Corp's provision for credit losses changed year-over-year?
Trustco Bank Corp's provision for credit losses decreased by 90.2% year-over-year, from $133K to $13K.
What is the long-term trend for Trustco Bank Corp's provision for credit losses?
Over 4 years (2021 to 2025), Trustco Bank Corp's provision for credit losses has grown at a -46.3% compound annual growth rate (CAGR), from -$5.45M to $453K.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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