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Dec 31, 2025
TrustCo Q4 2025 Earnings Report
TrustCo reported a strong Q4 2025 with higher net income and improved margins.
Key Takeaways
TrustCo delivered a solid Q4 2025 performance, with notable growth in net interest income, improved efficiency, and rising profitability metrics. The company also maintained stable asset quality and continued capital optimization through share repurchases.
Net income rose to $15.6 million, up from $11.3 million in Q4 2024
Net interest income increased 12.4% to $43.7 million
Book value per share climbed to $38.08
Efficiency ratio improved to 55.46% from 65.03% a year earlier
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Management expects continued net interest income growth driven by asset repricing, along with stable credit quality and strong liquidity to support future expansion.
Positive Outlook
- Net interest income expected to continue increasing
- Loan portfolio repricing into higher yield assets
- Disciplined deposit pricing to support margin
- Strong liquidity position to support future growth
- Capital deployment remains a strategic focus
Challenges Ahead
- Pressure from competitive deposit pricing
- Slight rise in nonperforming loans
- Coverage ratio decreased year-over-year
- Efficiency ratio still above 55%
- Moderate decline in equity to asset ratios
Historical Earnings Impact
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Avg. Return Before/After Earnings
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