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Sep 30, 2025
TrustCo Q3 2025 Earnings Report
TrustCo Bank Corp NY reported higher earnings in Q3 2025, driven by growth in net interest income and improved operating efficiency.
Key Takeaways
In the third quarter of 2025, TrustCo increased its net income by 26.3% to $16.3 million, supported by a solid rise in net interest income and effective expense management, which enhanced both efficiency and profitability.
Net income rose to $16.3 million with diluted EPS of $0.86.
Net interest income increased 11.5% year-over-year to $43.1 million.
Efficiency ratio improved to 54.89%, down from 60.09% last year.
Nonperforming loans declined to 0.36% of total loans.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
TrustCo expects continued growth in net interest income driven by upward repricing of loans and securities, while maintaining strong credit quality and operational discipline.
Positive Outlook
- Loan and investment portfolios are repricing at higher yields.
- Stable deposit base supports future loan growth.
- Liquidity position remains strong for funding flexibility.
- Expense control supports improved efficiency.
- Share repurchases continue to enhance shareholder value.
Challenges Ahead
- Persistent competitive pressure on deposit pricing.
- Macroeconomic uncertainty may weigh on lending.
- Noninterest income remains relatively flat year-over-year.
- Efficiency gains may moderate in future quarters.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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