TrustCo Bank
Glenville, NY
IDRSSD: 677176
Total Assets
$6.35B
Latest filing
Total Deposits
$5.48B
Latest filing
Net Interest Margin
2.82%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
TrustCo Bank
1 Sarnowski Dr
Glenville, NY 12302
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1925FDIC Certificate 44779
Branches (136)
Page 1 of 20| Name | Address | City / State |
|---|---|---|
| TrustCo Bank (Main) | 1 Sarnowski Dr | Glenville, NY |
| GLENVILLE - MAYFAIR BRANCH | 286 Saratoga Rd | Glenville, NY |
| ROTTERDAM BRANCH | 1410 Curry Rd | Rotterdam, NY |
| BRANDYWINE BRANCH | 1048 State St | Schenectady, NY |
| MONT PLEASANT BRANCH | 959 Crane St | Schenectady, NY |
| UPPER UNION STREET BRANCH | 1620 Union St | Schenectady, NY |
| STATE STREET SCHENECTADY BRANCH | 320 State St | Schenectady, NY |
| NISKAYUNA - WOODLAWN BRANCH | 3461 State St | Schenectady, NY |
Showing 7 of 136
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1925 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 12302 |
| State and County Number | 36093 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Albany-Schenectady-Troy, NY |
Operational Info
| Number of Employees | 732 |
| Domestic Offices | 137 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.trustcobank.com |
| Data Updated | 11/14/2025 |
| CERT | 31945 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $6.35B |
| Total Deposits | $5.48B |
| Total Liabilities | $5.67B |
| Total Equity Capital | $675.75M |
| Net Income | $16.39M |
| Net Loans and Leases | $5.14B |
| Assets Per Employee ($Millions) | $8.6M |
| Bank Premises and Fixed Assets | $75.01M |
| Cash and Balances due from Depository Institutions | $695.69M |
| Deposits Held in Domestic Offices | $5.48B |
Key Performance Ratios
| Return on Assets (ROA) | 1.03% |
| Return on Equity (ROE) | 9.76% |
| Net Interest Margin | 2.82% |
| Efficiency Ratio | 54.79% |
| Tier 1 Risk-Based Capital Ratio | 18.669% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.645% |
| Earning Assets to total Assets | 96.37% |
Income and Expense
| Total Interest Income | $66.03M |
| Total Noninterest Income | $5.01M |
| Total Interest Expense | $22.97M |
| Total Noninterest Expense | $26.34M |
| Net Interest Income | $43.07M |
| Pre-tax Net Operating Income | $21.48M |
| Provision for Credit Losses | $250.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.23M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $119.22M |
| All Other Liabilities | $71.98M |
| Total Liabilities and Capital | $6.35B |
Securities
| Securities | $324.42M |
| Available-for-sale debt securities | $319.82M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $4.59M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of TrustCo Bank?
$6.35B as of the latest filing.
How much are TrustCo Bank's total deposits?
$5.48B in total deposits.
Where is TrustCo Bank located?
Glenville, NY.
What is the Net Interest Margin?
2.82%.
How many domestic offices does it operate?
137.
When was it established?
01/01/1925.
What is the Return on Assets (ROA)?
1.03%.
How much are total loans and leases?
$5.14B (latest filing).
What is the total interest income (latest filing)?
$66.03M.