TellerScore

Headquartered in Glenville, New York, TrustCo Bank is a savings bank with $6.5B in total assets and $5.7B in deposits as of Q2 2026. It operates 134 offices across 5 states. Its charter dates back to 1925.

Based on its Q2 2026 filing, TrustCo Bank scores 62/100, which we describe as moderate. That is higher than only 27% of 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 66th. Its strongest component is problem-loan coverage (92/100; 3.8%), and its lowest is capital cushion (34/100; 8.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Tier 1 leverage ratio: 8.38%
Loan quality87/100
Noncurrent loans ÷ total loans: 0.40%
Earnings61/100
Return on assets (annualized): 1.04%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 93.7% · 22.0% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.77%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 7 points (69 → 62), mostly because the capital cushion component weakened by 22 points.

TellerScore
616569Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202468
Q4 202468
Q1 202569
Q2 202569
Q3 202569
Q4 202561
Q1 202662
Q2 202662
Tier 1 leverage ratio
5.00%7.85%10.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.46%
Q3 202410.70%
Q4 202410.58%
Q1 202510.54%
Q2 202510.61%
Q3 202510.66%
Q4 20258.13%
Q1 20268.24%
Q2 20268.38%
Noncurrent loans
0.35%0.38%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.38%
Q3 20240.38%
Q4 20240.37%
Q1 20250.37%
Q2 20250.35%
Q3 20250.36%
Q4 20250.39%
Q1 20260.41%
Q2 20260.40%
Return on assets
0.81%0.92%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.82%
Q3 20240.83%
Q4 20240.81%
Q1 20250.92%
Q2 20250.94%
Q3 20250.97%
Q4 20250.97%
Q1 20261.02%
Q2 20261.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$6.5B8.38%0.40%1.04%93.7%
Q1 202662$6.5B8.24%0.41%1.02%92.7%
Q4 202561$6.4B8.13%0.39%0.97%93.6%
Q3 202569$6.3B10.66%0.36%0.97%93.8%
Q2 202569$6.3B10.61%0.35%0.94%93.0%
Q1 202569$6.3B10.54%0.37%0.92%92.2%
Q4 202468$6.2B10.58%0.37%0.81%93.6%
Q3 202468$6.1B10.70%0.38%0.83%95.4%
Q2 202467$6.1B10.46%0.38%0.82%94.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.38%
5th
Total risk-based capital15.73%
74th
Problem loans0.40%
60th
Net charge-offs-0.00%
92nd
Return on assets1.04%
33rd
Net interest margin2.87%
11th
Efficiency ratio54.8%
63rd
Loans to deposits93.7%
30th
Uninsured deposits22.0%
78th
Loan-loss reserves1.01%
32nd
Texas ratio3.8%
48th

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Five Star BankBank Rochester, NY66 out of 100, Moderate$6.3B10.9%0.82%vs
Bank of IndiaBank New York, NY48 out of 100, Below average$7.4B0.0%0.00%vs
Ridgewood Savings BankBank Ridgewood, NY64 out of 100, Moderate$7.5B13.3%1.85%vs
The Canandaigua National Bank and Trust CompanyBank Canandaigua, NY60 out of 100, Moderate$5.4B9.0%0.83%vs
Arrow Bank National AssociationBank Glens Falls, NY66 out of 100, Moderate$4.5B9.3%0.24%vs
Tompkins Bank & TrustBank Ithaca, NY60 out of 100, Moderate$8.8B9.1%0.80%vs

Deposit insurance

Is my money safe at TrustCo Bank?

Yes. TrustCo Bank is an FDIC-insured institution (FDIC certificate #31945). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.0% of deposits ($1.2B) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.38%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.73% (benchmark: 10%).

Check how much of your own balance is covered

134 locations

Branches

TrustCo Bank lists 133 offices in 87 cities across 5 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, TrustCo Bank reported 4,644 home-loan applications under HMDA (LEI 549300GCEP3NM7A1X491): 2,788 originated ($652,180,000 total), 1,188 denied, and 476 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
TrustCo Bank
Former names
Landmark Community Bank; TrustCo Savings Bank; Canajoharie Building, Savings and Loan Association
Type
Savings bank
FDIC certificate #
31945
RSSD ID
677176
Primary regulator
OCC
Holding company
Trustco Bank Corp NY
Established
January 1, 1925
Headquarters
1 Sarnowski Dr, Glenville, NY 12302
Employees
741

Quick answers

TrustCo Bank: common questions

Is TrustCo Bank FDIC insured?

Yes. TrustCo Bank is an FDIC-insured institution (FDIC certificate #31945). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is TrustCo Bank's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has TrustCo Bank ever failed?

There is no failure record for FDIC certificate #31945 in the FDIC failed bank list.

How many branches does TrustCo Bank have?

134 offices as of the latest FDIC data, in 5 states.

Nearby

Highest-scoring banks and credit unions with branches near Glenville

InstitutionScoreAssetsCapitalProblem loansCompare
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Bank of GreeneBank Catskill, NY77 out of 100, Strong$3.2B9.9%0.23%vs
Hudson River Community Federal Credit UnionCredit union Corinth, NY77 out of 100, Strong$364.2M15.3%1.17%vs
Bank of RichmondvilleBank Cobleskill, NY77 out of 100, Strong$185.9M11.5%0.18%vs