TrustCo Q4 2025 net income rises 38% to $15.6 million, EPS $0.85
TrustCo Bank Corp NY reported fourth-quarter 2025 net income of $15.6 million, or $0.85 per diluted share, up from $11.3 million, or $0.59, a year earlier. Net interest income rose 12.4% to $43.7 million, helped by higher loan yields and a lower cost of interest-bearing liabilities. Compared with the third quarter of 2025, net income was slightly lower, down from $16.3 million, and diluted EPS was $0.85 versus $0.86.
Key points
- Q4 2025 net income $15.6 million, or $0.85 diluted EPS, versus $11.3 million, or $0.59, in Q4 2024
- Net interest income $43.7 million, up 12.4% year over year; net interest margin 2.82% versus 2.60%
- Full-year 2025 net income $61.1 million, or $3.25 diluted EPS, versus $48.8 million, or $2.57, in 2024
- Board-approved buyback allows repurchase of up to two million shares, or 11.1%, over the next year; 1 million shares repurchased in 2025
The filing
Written by AI on Nov 8, 2026, 6:59 AM ET, from this filing 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 January 21, 2026.
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.