TrustCo Q3 net income rises 26.3% to $16.3 million, EPS $0.86
TrustCo reported third quarter 2025 net income of $16.3 million, or $0.86 per diluted share, up 26.3% from $12.9 million, or $0.68 per diluted share, a year earlier. Net interest income rose 11.5% to $43.1 million, and the net interest margin widened to 2.79% from 2.61%, which points to stronger core lending profitability for shareholders.
Key points
- Q3 2025 net income $16.3 million vs. $12.9 million in Q3 2024; diluted EPS $0.86 vs. $0.68
- Net interest income $43.1 million, up $4.4 million or 11.5% year over year
- Nine-month net income $45.6 million, or $2.41 diluted EPS, vs. $37.6 million, or $1.97, a year earlier
- Book value per share $37.30 at September 30, 2025, up from $35.19; 533 thousand shares remain under the repurchase program
The filing
Written by AI (Anthropic Claude, claude-haiku-5-5) on Nov 8, 2026, 6:59 AM ET, from the text of the filing and its press-release exhibits only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 21, 2025.
Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.