Side-by-side · Q2 2026 data
Tompkins Bank & Trust vs TrustCo Bank
Metric by metric
| Measure | Tompkins Bank & Trust | TrustCo Bank |
|---|---|---|
| TellerScore | 60 | 62 (stronger) |
| Capital cushion | 41 (stronger) | 34 |
| Loan quality | 73 | 87 (stronger) |
| Earnings | 75 (stronger) | 61 |
| Funding & liquidity | 40 | 59 (stronger) |
| Problem-loan coverage | 88 | 92 (stronger) |
| Peer percentile | 21st | 27th |
| Total assets | $8.8B | $6.5B |
| Deposits / shares | $7.2B | $5.7B |
| Capital ratio | 9.11% (stronger) | 8.38% |
| Problem loans | 0.80% | 0.40% (stronger) |
| Net charge-offs | 0.07% | -0.00% (stronger) |
| Return on assets | 1.38% (stronger) | 1.04% |
| Loans ÷ deposits | 91.2% (stronger) | 93.7% |
| Uninsured deposits | 41.3% | 22.0% (stronger) |
| Offices | 56 | 133 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.9% | 28.5% |
TrustCo Bank has the higher TellerScore (62 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Tompkins Bank & Trust leads on 3 and TrustCo Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Mahopac, NY
- Poughkeepsie, NY