Form 8-K

8-K — TRUSTCO BANK CORP N Y

Accession: 0001140361-26-040403

Filed: 2026-10-21

Period: 2026-10-21

CIK: 0000357301

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — ef20084125_8k.htm (Primary)

EX-99.(A) — EXHIBIT 99(A) (ef20084125_ex99-a.htm)

GRAPHIC (image1.gif)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: ef20084125_8k.htm · Sequence: 1

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT PURSUANT

TO SECTION 13 OR 15(D) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (date of earliest event reported): October 21, 2026

TrustCo Bank Corp NY

(Exact name of registrant as specified in its charter)

New York

0-10592

14-1630287

State or Other Jurisdiction of Incorporation or Organization

Commission File No.

I.R.S. Employer Identification Number

5 SARNOWSKI DRIVE, GLENVILLE, NEW YORK 12302

(Address of principal executive offices)

(518) 377-3311

(Registrant’s Telephone Number,

Including Area Code)

NOT APPLICABLE

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $1.00 par value

TRST

Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

TrustCo Bank Corp NY

Item 2.02.

Results of Operations and Financial Condition

On October 21, 2026 TrustCo Bank Corp NY (“TrustCo”) issued a press release with results for the quarter ending September 30, 2026. Attached is a copy of the press release labeled as Exhibit 99(a).

Item 9.01.

Financial Statements and Exhibits

(d)

Exhibits

Reg S-K Exhibit No.

Description

99(a)

Press release dated October 21, 2026 for

the period ending September 30, 2026, regarding quarterly results.

104

Cover Page Interactive Data File – the cover page XBRL tags are embedded within the Inline XBRL document.

-2-

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

Dated: October 21, 2026

TrustCo Bank Corp NY

(Registrant)

By:

/s/ Michael M. Ozimek

Michael M. Ozimek

Executive Vice President and

Chief Financial Officer

-3-

0000357301

false

0000357301

2026-10-21

EX-99.(A) — EXHIBIT 99(A)

EX-99.(A)

Filename: ef20084125_ex99-a.htm · Sequence: 5

Exhibit 99(a)

5 Sarnowski Drive, Glenville, New York, 12302 News Release

Subsidiary: Trustco Bank Nasdaq -- TRST

Contact: Robert Leonard

Executive Vice President

(518) 381-3693

Lauren A. McCormick

Vice President, Treasurer, and

Assistant Corporate Secretary

(518) 381-3673

FOR IMMEDIATE RELEASE:

TrustCo’s Positive Momentum Yields 6.5% Net Income Increase;

$17.3 Million for Third Quarter of 2026

Executive Snapshot:

Financial results:

●

Key metrics for the third quarter of 2026 compared to the third quarter of 2025:

■

Diluted earnings per share of $1.02 increased 18.6% compared to $0.86

■

Net interest income of $47.0 million, up 9.1% from $43.1 million

■

Net interest margin of 2.95%, up 16 basis points from 2.79%

■

Net income of $17.3 million increased 6.5% compared to $16.3 million

■

Average loans increased $238.1 million, or 4.6%

■

Average deposits increased $229.6 million, or 4.2%

●

Capital allocation and Stock Repurchase Program:

■

Increased dividend 5.3% to $0.40 per share, or $1.60 per share on an annualized basis

■

Purchased 13.2% of TrustCo outstanding common stock under the 2026 and 2025 Stock Repurchase Programs through the acquisition of over 1.5 million shares in the first nine months of 2026, following the purchase of 1 million shares in 2025, reinforcing a disciplined long-term capital allocation strategy

■

On pace to complete the repurchase of a total of three million shares, or 15.8%, of TrustCo common stock by the end of 2026

Glenville, New York – October 21, 2026

TrustCo Bank Corp NY (TrustCo, NASDAQ: TRST) today announced financial results for the third quarter of 2026 highlighted by a continued increase in net interest income and sustained loan and deposit growth across core lending and deposit categories. For the three months ended September 30, 2026, net interest income increased 9.1% year over year to $47.0 million. This was driven by the ongoing asset repricing across our loan portfolio at higher yields and effective execution of deposit growth and pricing strategies. For the three months ended September 30, 2026, net interest margin expanded to 2.95% from 2.79% in the prior year period. This resulted in third quarter 2026 net income of $17.3 million, or $1.02 diluted earnings per share, compared to net income of $16.3 million, or $0.86 diluted earnings per share, for the third quarter 2025; and contributed to net income of $50.6 million, or $2.91 diluted earnings per share, for the nine months ended September 30, 2026, compared to net income of $45.6 million, or $2.41 diluted earnings per share, for the nine months ended September 30, 2025.

Page | 1

Overview

Chairman, President, and CEO, Robert J. McCormick, said “Another quarter of solid financial performance is the product of TrustCo’s continued execution of tried and true banking principles that, quarter after quarter, continue to build positive momentum. Steady growth in both loans and deposits, coupled with favorable repricing of the Bank’s nearly $5.5 billion loan portfolio, have boosted net interest income to $47 million for the quarter, increased margin by 16 basis points, and driven return on average equity up 1.28% year over year, a 14% increase. Our management team has built a resilient balance sheet that can perform well in the current dynamic interest-rate environment, which efforts are supported by the entire organization’s focus on our relationship-based banking strategy. The ongoing repurchase of shares and regular payment of our recently-increased quarterly dividend work together to enhance shareholder value. With all of these factors coming together and trending favorably, we are optimistic about the Company’s ability to maintain positive momentum into 2027.”

Details

We have continued to see meaningful net income and net interest income improvement. The loan and investment portfolios of Trustco Bank (the “Bank”) continue to reprice upward as lower yielding assets mature and are replaced with higher rate loan originations and investment purchases, driving steady improvement in overall asset yields. We believe that this ongoing repricing reflects disciplined loan production aligned with current market conditions. Complementing this, the Bank maintains a strong liquidity position, driven by deposit growth while decreasing funding costs which underscores the Bank's disciplined relationship banking strategy and the value customers place on stability and service. We believe that these factors position the Bank to generate continued net income and net interest income growth in the coming quarters and deliver long-term value to shareholders. Net interest income was $47.0 million for the third quarter of 2026, an increase of $3.9 million, or 9.1%, compared to the third quarter of 2025, driven by loan growth at higher interest rates and a decrease in interest expense. The net interest margin for the third quarter of 2026 was 2.95%, up 16 basis points from 2.79% in the third quarter of 2025. The yield on interest-earning assets increased to 4.35% in the third quarter of 2026, up 10 basis points from 4.25% in the third quarter of 2025. The cost of interest bearing liabilities decreased to 1.79% in the third quarter of 2026, down 11 basis points from 1.90% in the third quarter of 2025.

Average loans were up $238.1 million, or 4.6%, in the third quarter of 2026 over the same period in 2025. Average residential loans and Home Equity Credit Lines (HECLs), our primary lending focus, were up $177.3 million, or 4.0%, and $50.0 million, or 11.4%, respectively, in the third quarter of 2026 over the same period in 2025. Average commercial loans also increased $13.5 million, or 4.3%, in the third quarter of 2026 over the same period in 2025. Loan growth in the third quarter of 2026 remained steady, driven by continued strength in core relationship lending. Credit quality metrics were stable. Following this period of sustained growth, TrustCo remains confident in the quality of its loan portfolio amid broader market concerns. We believe that our continued focus on strong underwriting within our loan portfolio and conservative lending standards positions us to manage credit risk effectively in the current environment. The consistent growth in the loan portfolio will likely enhance net interest income in the quarters ahead. Average deposits were up $229.6 million, or 4.2%, for the third quarter of 2026 compared to the third quarter of 2025, primarily as a result of an increase in time deposits, interest bearing checking accounts, and demand deposits. The Bank’s ongoing emphasis on relationship banking, combined with competitive product offerings and digital capabilities, has contributed to a broadening deposit base that supports ongoing loan growth and expansion.

Page | 2

During the third quarter of 2026, the Bank remained focused on capital deployment and allocation, guided by a disciplined framework, with a dividend increase, and share repurchases, these serve as key tools to enhance shareholder value. This reflects our confidence in the long-term strength of the franchise and our focus on capital optimization. During the third quarter, the Bank declared an increased quarterly cash dividend of $0.40 per share, or $1.60 per share on an annualized basis. The declared dividend represents an increase of 5.3% over the prior dividend amount which continues the Banks commitment in paying dividends for over a century. For the three and nine months ended September 30, 2026, TrustCo repurchased 500 thousand and 1.5 million shares, or 2.9% and 8.3%, respectively, of TrustCo’s outstanding common stock under its previously announced stock repurchase program, which authorizes TrustCo to repurchase up to two million shares, or 11.1%, of TrustCo’s outstanding common stock in 2026. We continue to believe that our approach ensures every dollar of capital is working to generate solid returns, strengthen customer relationships, and enhance shareholder value. As of September 30, 2026, our equity to asset ratio was 9.72%, compared to 10.90% as of September 30, 2025. Book value per share as of September 30, 2026 was $38.20, up 2.4% compared to $37.30 as of a year earlier.

Asset quality remains strong and has been consistent over the past twelve months. TrustCo recorded a provision for credit losses of $850 thousand in the third quarter of 2026, an increase of $600 thousand compared to the same period in 2025. For the three months ended September 30, 2026, the provision for credit losses was the result of a provision for credit losses on loans of $1.05 million due to loan growth and changes in forward looking economic assumptions, and a benefit for credit losses on unfunded commitments of $200 thousand due to the seasonal decrease in the loan pipeline. Accordingly, increases in the overall provision expense are being driven by loan growth and changes in economic forecasts rather than the deterioration in underlying credit performance. The ratio of allowance for credit losses on loans to total loans was 1.01% and 1.00% as of September 30, 2026 and September 30, 2025, respectively. The allowance for credit losses on loans was $55.2 million as of September 30, 2026, compared to $51.9 million as of September 30, 2025. Nonperforming loans (NPLs) were $21.1 million as of September 30, 2026, compared to $18.5 million as of September 30, 2025. NPLs were 0.39% and 0.36% of total loans as of September 30, 2026 and September 30, 2025, respectively. The coverage ratio, or allowance for credit losses on loans to NPLs, was 261.8% as of September 30, 2026, compared to 280.8% as of September 30, 2025. Nonperforming assets (NPAs) were $22.3 million as of September 30, 2026, compared to $19.7 million as of September 30, 2025. Asset quality metrics remain stable and well covered by reserves, reflecting the Bank’s conservative underwriting standards.

A conference call to discuss third quarter 2026 results will be held at 9:00 a.m. Eastern Time on October 22, 2026. Those wishing to participate in the call may dial toll-free for North America 1-833-461-5787, Meeting ID 638 789 515. The call will also be audio webcast at https://events.q4inc.com/attendee/638789515. The webcast replay will be available for one year at the same link.

About TrustCo Bank Corp NY

TrustCo Bank Corp NY is a $6.5 billion savings and loan holding company and through its subsidiary, Trustco Bank, operated 133 offices in New York, New Jersey, Vermont, Massachusetts, and Florida as of September 30, 2026.

In addition, the Bank’s Wealth Management Department offers a full range of investment services, retirement planning and trust and estate administration services. The common shares of TrustCo are traded on the NASDAQ Global Select Market under the symbol TRST.

Page | 3

Forward-Looking Statements

All statements in this news release and the related earnings call that are not historical are forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by words such as "anticipate," "intend," "plan," "goal," "seek," "believe," "project," "estimate," "expect," "strategy," "future," "likely," "may," "should," "will," “can” and similar references to future development, results or periods. Examples of forward-looking statements include, among others, statements we make regarding our expectations for our future performance, including our expectations regarding net income, net interest income and shareholder value for future quarters; expectations regarding our future momentum; the anticipated impact of our focus on underwriting within our loan portfolio and conservative lending standards; the expected impact of the continued repricing of our loan and investment portfolios, as well as our liquidity position, on our future net interest and net interest income; our balance sheet’s performance in future interest-rate environments; future overall asset yields; the amount of shares that we expect to repurchase in 2026; and the anticipated effects of our capital management strategy, including our stock repurchase program. Forward-looking statements are based on management’s current expectations, as well as certain assumptions and estimates made by, and information available to, management at the time the statements are made. Such forward-looking statements are subject to factors and uncertainties that could cause TrustCo’s actual results to differ materially from the views, beliefs and projections expressed in such statements. TrustCo wishes to caution readers not to place undue reliance on any such forward-looking statements, which speak only as of the date made. The following important factors, among others, in some cases have affected and in the future could affect TrustCo’s actual results and could cause TrustCo’s actual financial performance to differ materially from that expressed in any forward-looking statement: future changes in interest rates; external economic factors, such as changes in monetary policy, ongoing inflationary pressures and continued elevated prices; exposure to credit risk in our lending activities; the risk of weakness in residential real estate markets; our increasing commercial loan portfolio; the sufficiency of our allowance for credit losses on loans to cover actual loan losses; our ability to meet the cash flow requirements of our depositors or borrowers or to meet our operating cash needs to fund corporate expansion and other activities; claims and litigation pertaining to fiduciary responsibility and lender liability; the enforcement of federal cannabis laws and regulations and its impact on our ability to provide services in the cannabis industry; our dependency upon the services of the management team; our disclosure controls and procedures’ ability to prevent or detect errors or acts of fraud; the adequacy of our business continuity and disaster recovery plans; the effectiveness of our risk management framework; the impact of any expansion by us into new lines of business or new products and services; the rising popularity of alternative financial products, including fintech platforms, cryptocurrencies, money market funds, and digital wallets; an increase in the prevalence of fraud and other financial crimes; the impact of severe weather events and climate change on us and the communities we serve, including societal responses to climate change; environmental, social and governance risks and their impact on our reputation and relationships; the chance of a prolonged economic downturn, especially one affecting our geographic market area; instability in global economic conditions and geopolitical matters, including as a result of the conflict between the United States (U.S.) and Iran, as well as volatility in financial markets; the chance of a downgrade in the credit rating of the U.S. government or a default by the U.S. government; the soundness of other financial institutions; U.S. government shutdowns; fluctuations in the trust wealth management fees we receive as a result of investment performance; the impact of regulatory capital rules on our growth; changes in laws and regulations, including changes in cybersecurity or privacy regulations; our compliance with laws designed to protect consumers, including the Community Reinvestment Act and fair lending laws; restrictions on data collection and use; our compliance with the USA PATRIOT Act, Bank Secrecy Act, and other laws and regulations that could result in material fines or sanctions; changes in tax laws; limitations on our ability to pay dividends; TrustCo Realty Corp.’s ability to qualify as a real estate investment trust; changes in accounting standards; competition within our market areas; consumers and businesses’ use of non-banks to complete financial transactions; our reliance on third-party service providers; the impact of data breaches and cyber-attacks; the development and use of artificial intelligence; the impact of a failure in or breach of our operational or security systems or infrastructure, or those of third parties; the impact of an unauthorized disclosure of sensitive or confidential client or customer information; the impact of interruptions in the effective operation of our computer systems; the impact of anti-takeover provisions in our organizational documents; the impact of the manner in which we allocate capital; the impact of the actions of activist shareholders; and other risks and uncertainties set forth in our public filings made with the Securities and Exchange Commission (the “SEC”), including our Annual Report on Form 10-K for the year ended December 31, 2025, our Quarterly Report on Form 10-Q for the first and second quarters of 2026, our upcoming quarterly report on Form 10-Q for the third quarter of 2026, and future reports to be filed with the SEC. The forward-looking statements contained in this news release represent TrustCo management’s judgment as of the date of this news release. TrustCo disclaims, however, any intent or obligation to update forward-looking statements, either as a result of future developments, new information or otherwise, except as may be required by law.

Page | 4

TRUSTCO BANK CORP NY

GLENVILLE, NY

FINANCIAL HIGHLIGHTS

(dollars in thousands, except per share data)

(Unaudited)

Three

months ended

9/30/2026

6/30/2026

9/30/2025

Summary

of operations

Net

interest income

$ 47,039

$ 45,590

$ 43,119

Provision

for credit losses

850

650

250

Net

gains on equity securities

844

Noninterest

income, excluding net gains on equity securities

4,762

5,068

4,689

Noninterest

expense

28,019

28,333

26,242

Net

income

17,318

16,965

16,258

Per

Net

income per share:

Basic

$ 1.03

$ 0.98

$ 0.87

Diluted

1.02

0.98

0.86

Cash

dividends

0.40

0.38

Book

value at period end

38.20

38.53

37.30

Market

price at period end

54.29

54.91

36.30

period end

Full

time equivalent employees

740

742

738

Full

service banking offices

133

132

136

Performance

ratios

Return

on average assets

1.05 %

1.04 %

1.02 %

Return

on average equity

10.57

10.22

9.29

Efficiency

ratio (GAAP)

54.03

55.01

54.89

Adjusted

Efficiency ratio (1)

54.11

55.71

54.87

Net

interest spread

2.56

2.48

2.35

Net

interest margin

2.95

2.87

2.79

Dividend

payout ratio

38.58

38.36

43.68

Capital

ratios at period end

Consolidated

equity to assets (GAAP)

9.72 %

10.05 %

10.90 %

Consolidated

tangible equity to tangible assets (1)

9.71 %

10.05 %

10.89 %

Asset

quality analysis at period end

Nonperforming

loans to total loans

0.39 %

0.40 %

0.36 %

Nonperforming

assets to total assets

0.34

0.35

0.31

Allowance

for credit losses on loans to total loans

1.01

1.00

Coverage

ratio (2)

2.6 x

2.5 x

2.8 x

(1)

Non-GAAP Financial Measure, see Non-GAAP Financial Measures Reconciliation.

(2)

Calculated as allowance for credit losses on loans divided by total nonperforming loans.

Page | 5

FINANCIAL HIGHLIGHTS, Continued

(dollars in thousands, except per share data)

(Unaudited)

Nine months ended

09/30/26

09/30/25

Summary

of operations

Net

interest income

$ 137,337

$ 125,238

Provision

for credit losses

2,450

1,200

Net

gains on equity securities

900

Noninterest

income, excluding net gains on equity securities

14,671

14,515

Noninterest

expense

83,334

78,794

Net

income

50,568

45,572

Per

Net

income per share:

Basic

$ 2.92

$ 2.41

Diluted

2.91

2.41

Cash

dividends

1.16

1.10

Book

value at period end

38.20

37.30

Market

price at period end

54.29

36.30

Performance

ratios

Return

on average assets

1.04 %

0.97 %

Return

on average equity

10.15

8.84

Efficiency

ratio (GAAP)

54.50

56.38

Adjusted

Efficiency ratio (1)

54.72

55.98

Net

interest spread

2.49

2.28

Net

interest margin

2.89

2.71

Dividend

payout ratio

39.41

45.55

(1)

Non-GAAP Financial Measure, see Non-GAAP Financial Measures Reconciliation.

Page | 6

CONSOLIDATED STATEMENTS OF INCOME

(dollars in thousands, except per share data)

(Unaudited)

Three

months ended

9/30/2026

6/30/2026

3/31/2026

12/31/2025

9/30/2025

Interest

and dividend income:

Interest

and fees on loans

$ 60,875

$ 58,757

$ 57,565

$ 56,886

$ 55,953

Interest

and dividends on securities available for sale:

S. government sponsored enterprises

111

149

350

599

State

and political subdivisions

Mortgage-backed securities and collateralized mortgage obligations

- residential

1,509

1,486

1,469

1,490

1,583

Corporate

bonds

820

776

694

536

265

Small

Business Administration - guaranteed

participation

securities

Other

securities

Total

interest and dividends on securities available for sale

2,479

2,439

2,383

2,452

2,527

Interest

on held to maturity securities:

Mortgage-backed securities and collateralized mortgage obligations

- residential

Total

interest on held to maturity securities

Federal

Home Loan Bank stock

112

123

126

125

Interest

on federal funds sold and other short-term investments

6,098

6,344

6,105

6,580

7,376

Total

interest income

69,607

67,707

66,226

66,094

66,033

Interest

expense:

Interest

on deposits:

Interest-bearing

checking

642

551

533

501

483

Savings

730

703

675

715

741

Money

market deposit accounts

1,597

1,631

1,552

1,810

2,065

Time

deposits

19,245

18,863

18,357

18,993

19,427

Interest

on short-term borrowings

354

369

401

340

198

Total

interest expense

22,568

22,117

21,518

22,359

22,914

Net

interest income

47,039

45,590

44,708

43,735

43,119

Less:

Provision for credit losses

850

650

950

400

250

Net

interest income after provision for credit losses

46,189

44,940

43,758

43,335

42,869

Noninterest

income:

Trustco

Financial Services income

2,059

1,980

2,135

1,950

1,967

Fees

for services to customers

2,409

2,487

2,340

2,192

2,429

Net

gains on equity securities

844

Other

294

601

366

288

293

Total

noninterest income

4,818

5,912

4,841

4,430

4,689

Noninterest

expenses:

Salaries

and employee benefits

12,776

13,047

12,219

12,242

12,727

Net

occupancy expense

4,526

4,381

4,542

4,592

4,470

Equipment

expense

2,306

2,082

2,022

2,219

1,938

Professional

services

1,744

1,968

1,526

1,083

1,571

Outsourced

services

2,800

2,704

2,700

2,100

2,492

Advertising

expense

468

586

394

629

290

FDIC

and other insurance

1,104

1,101

1,153

1,135

1,052

Other

real estate (income) expense, net

(12 )

112

161

Other

2,307

2,352

2,376

2,549

1,694

Total

noninterest expenses

28,019

28,333

26,982

26,710

26,242

Income

before taxes

22,988

22,519

21,617

21,055

21,316

Income

taxes

5,670

5,554

5,332

5,490

5,058

Net

income

$ 17,318

$ 16,965

$ 16,285

$ 15,565

$ 16,258

Net

income per common share:

Basic

$ 1.03

$ 0.98

$ 0.91

$ 0.85

$ 0.87

Diluted

1.02

0.98

0.91

0.85

0.86

Weighted

average basic shares (in thousands)

16,842

17,304

17,813

18,275

18,755

Weighted

average diluted shares (in thousands)

16,939

17,386

17,876

18,327

18,805

Page | 7

CONSOLIDATED STATEMENTS OF INCOME, Continued

(dollars in thousands, except per share data)

(Unaudited)

Nine months ended

09/30/26

09/30/25

Interest and dividend income:

Interest and fees on loans

$ 177,197

$ 163,960

Interest and dividends on securities

available for sale:

U. S. government sponsored enterprises

346

1,809

State and political subdivisions

Mortgage-backed securities and collateralized mortgage obligations - residential

4,464

4,679

Corporate bonds

2,290

735

Small Business Administration - guaranteed participation securities

178

228

Other securities

Total interest and dividends on securities

available for sale

7,301

7,474

Interest on held to maturity securities:

Mortgage-backed securities-residential

134

163

Total interest on held to maturity

securities

134

163

Federal Home Loan Bank stock

361

405

Interest on federal funds sold and other

short-term investments

18,547

21,320

Total interest income

203,540

193,322

Interest expense:

Interest on deposits:

Interest-bearing checking

1,726

1,577

Savings

2,108

2,208

Money market deposit accounts

4,780

6,140

Time deposits

56,465

57,605

Interest on short-term borrowings

1,124

554

Total interest expense

66,203

68,084

Net interest income

137,337

125,238

Less: Provision for credit losses

2,450

1,200

Net interest income after provision for

credit losses

134,887

124,038

Noninterest income:

Trustco Financial Services income

6,174

5,905

Fees for services to customers

7,236

7,340

Net gains on equity securities

900

Other

1,261

1,270

Total noninterest income

15,571

14,515

Noninterest expenses:

Salaries and employee benefits

38,042

36,497

Net occupancy expense

13,449

13,542

Equipment expense

6,410

5,800

Professional services

5,238

5,183

Outsourced services

8,204

7,652

Advertising expense

1,448

955

FDIC and other insurance

3,358

3,376

Other real estate expense, net

150

558

Other

7,035

5,231

Total noninterest expenses

83,334

78,794

Income before taxes

67,124

59,759

Income taxes

16,556

14,187

Net income

$ 50,568

$ 45,572

Net income per common

- Basic

$ 2.92

$ 2.41

- Diluted

2.91

2.41

Weighted average basic

shares (in thousands)

17,317

18,912

Weighted average diluted

shares (in thousands)

17,398

18,947

Page | 8

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(dollars in thousands)

(Unaudited)

9/30/2026

6/30/2026

3/31/2026

12/31/2025

9/30/2025

ASSETS:

Cash and due from banks

$ 42,914

$ 44,503

$ 43,165

$ 50,569

$ 42,026

Federal funds sold and other

short term investments

554,402

652,136

724,943

679,858

653,530

Total cash and cash

equivalents

597,316

696,639

768,108

730,427

695,556

Securities available for

sale:

U. S. government sponsored

enterprises

9,873

14,956

14,887

31,772

51,557

States and political

subdivisions

Mortgage-backed securities and collateralized mortgage obligations - residential

196,688

203,601

205,209

206,290

215,466

Small Business Administration - guaranteed participation securities

9,306

10,153

10,796

11,710

12,330

Corporate bonds

77,434

73,804

69,137

59,932

39,800

Other securities

713

718

708

705

701

Total securities

available for sale

294,023

303,241

300,746

310,418

319,872

Held to maturity

securities:

Mortgage-backed securities and collateralized mortgage obligations-residential

3,640

3,842

4,097

4,339

4,593

Total held to

maturity securities

3,640

3,842

4,097

4,339

4,593

Federal Reserve Bank

and Federal Home Loan Bank stock

6,756

6,601

Loans:

Commercial

332,406

322,439

316,763

313,443

311,491

Residential mortgage

loans

4,614,353

4,560,717

4,497,911

4,463,260

4,420,813

Home equity line of

credit

498,088

484,197

464,887

464,201

447,235

Installment loans

9,439

9,882

10,617

11,556

12,231

Loans, net of

deferred net costs

5,454,286

5,377,235

5,290,178

5,252,460

5,191,770

Less: Allowance for

credit losses on loans

55,162

54,082

52,994

52,205

51,891

Net loans

5,399,124

5,323,153

5,237,184

5,200,255

5,139,879

Bank premises and

equipment, net

42,266

42,273

41,071

40,707

39,718

Operating lease

right-of-use assets

32,715

33,872

33,305

33,638

35,291

Other assets

118,220

115,137

116,767

114,315

107,514

Total assets

$ 6,494,060

$ 6,524,913

$ 6,507,879

$ 6,440,700

$ 6,349,024

LIABILITIES:

Deposits:

Demand

$ 817,555

$ 824,717

$ 811,637

$ 814,908

$ 795,508

Interest-bearing

checking

1,077,289

1,089,746

1,078,520

1,077,141

1,025,582

Savings accounts

1,060,493

1,076,934

1,070,319

1,069,564

1,063,763

Money market deposit

accounts

429,555

438,799

442,760

457,389

455,488

Time deposits

2,299,326

2,251,370

2,249,117

2,138,415

2,140,932

Total deposits

5,684,218

5,681,566

5,652,353

5,557,417

5,481,273

Short-term borrowings

98,108

108,382

112,930

120,054

97,749

Operating lease

liabilities

35,075

36,361

35,920

36,391

38,180

Accrued expenses and

other liabilities

45,334

42,595

35,756

40,249

39,809

Total liabilities

5,862,735

5,868,904

5,836,959

5,754,111

5,657,011

SHAREHOLDERS' EQUITY:

Capital stock

20,119

20,103

Surplus

261,758

261,283

260,808

260,333

259,980

Undivided profits

510,684

499,997

489,540

479,996

471,314

Accumulated other

comprehensive income, net of tax

6,967

8,241

10,024

2,955

Treasury stock at

cost

(161,312 )

(132,357 )

(107,788 )

(83,883 )

(62,339 )

Total shareholders'

equity

631,325

656,009

670,920

686,589

692,013

Total liabilities and

shareholders' equity

$ 6,494,060

$ 6,524,913

$ 6,507,879

$ 6,440,700

$ 6,349,024

Outstanding shares

(in thousands)

16,528

17,028

17,507

18,029

18,554

Page | 9

NONPERFORMING ASSETS

(dollars in thousands)

(Unaudited)

9/30/2026

6/30/2026

3/31/2026

12/31/2025

9/30/2025

Nonperforming Assets

New York and other states*

Loans

in nonaccrual status:

Commercial

$ 2,008

$ 1,964

$ 1,968

$ 1,990

$ 292

Real

estate mortgage - 1 to 4 family

14,053

15,343

15,212

14,584

14,568

Installment

Total

nonperforming loans

16,080

17,344

17,223

16,603

14,890

Other

real estate owned

1,183

1,234

1,364

1,394

1,234

Total

nonperforming assets

$ 17,263

$ 18,578

$ 18,587

$ 17,997

$ 16,124

Florida

Loans

in nonaccrual status:

Commercial

$ -

Real

estate mortgage - 1 to 4 family

4,968

4,392

4,222

4,047

3,574

Installment

Total

nonperforming loans

4,987

4,408

4,242

4,069

3,587

Other

real estate owned

Total

nonperforming assets

$ 4,987

$ 4,408

$ 4,242

$ 4,069

$ 3,587

Total

Loans

in nonaccrual status:

Commercial

$ 2,008

$ 1,964

$ 1,968

$ 1,990

$ 292

Real

estate mortgage - 1 to 4 family

19,021

19,735

19,434

18,631

18,142

Installment

Total

nonperforming loans

21,067

21,752

21,465

20,672

18,477

Other

real estate owned

1,183

1,234

1,364

1,394

1,234

Total nonperforming assets

$ 22,250

$ 22,986

$ 22,829

$ 22,066

$ 19,711

Quarterly Net (Recoveries)

Chargeoffs

New York and other states*

Commercial

$ -

$ 19

$ -

Real estate mortgage - 1 to 4

family

(44 )

(72 )

(43 )

(33 )

(194 )

Installment

(1 )

(21 )

(13 )

(2 )

Total net chargeoffs (recoveries)

$ (45 )

$ (93 )

$ (13 )

$ (46 )

$ (196 )

Florida

Commercial

$ -

$ (40 )

$ -

Real estate mortgage - 1 to 4

family

Installment

Total net (recoveries) chargeoffs

$ 15

$ 5

$ (26 )

$ 32

$ 20

Total

Commercial

$ -

$ (21 )

$ -

Real estate mortgage - 1 to 4

family

(44 )

(72 )

(43 )

(33 )

(194 )

Installment

(16 )

Total net (recoveries) chargeoffs

$ (30 )

$ (88 )

$ (39 )

$ (14 )

$ (176 )

Asset Quality Ratios

Total nonperforming loans (1)

$ 21,067

$ 21,752

$ 21,465

$ 20,672

$ 18,477

Total nonperforming assets (1)

22,250

22,986

22,829

22,066

19,711

Total net (recoveries) chargeoffs

(2)

(30 )

(88 )

(39 )

(14 )

(176 )

Allowance for credit losses on

loans (1)

55,162

54,082

52,994

52,205

51,891

Nonperforming loans to total

loans

0.39 %

0.40 %

0.41 %

0.39 %

0.36 %

Nonperforming assets to total

assets

0.34 %

0.35 %

0.34 %

0.31 %

Allowance for credit losses on

loans to total loans

1.01 %

1.00 %

0.99 %

1.00 %

Coverage ratio (1)

261.8 %

248.6 %

246.9 %

252.5 %

280.8 %

Annualized net (recoveries)

chargeoffs to average loans (2)

0.00 %

-0.01 %

0.00 %

-0.01 %

Allowance for credit losses on

loans to annualized net chargeoffs (2)

N/A

Includes New York, New Jersey, Vermont and Massachusetts.

(1)

At period-end

(2)

For the three-month period ended

Page | 10

DISTRIBUTION OF ASSETS, LIABILITIES AND SHAREHOLDERS' EQUITY -

INTEREST RATES AND INTEREST DIFFERENTIAL

(dollars in thousands)

(Unaudited)

Three months ended

September 30, 2026

September 30, 2025

Average

Interest

Average

Interest

Average

Balance

Rate

Assets

Securities

available for sale:

S. government sponsored enterprises

$ 10,977

$ 86

3.13 %

$ 69,294

$ 599

3.46 %

Mortgage backed securities and collateralized mortgage obligations

- residential

217,254

1,509

2.75

237,092

1,583

2.65

State

and political subdivisions

6.77

Corporate

bonds

75,681

820

4.33

26,512

265

4.00

Small Business Administration - guaranteed participation

securities

10,440

2.14

13,385

2.15

Other

717

4.46

700

4.00

Total

securities available for sale

315,078

2,479

3.15

347,001

2,527

2.91

Federal

funds sold and other short-term Investments

649,823

6,098

3.72

662,737

7,376

4.42

Held

to maturity securities:

Mortgage backed securities and collateralized mortgage obligations

- residential

3,740

4.53

4,709

4.40

Total

held to maturity securities

3,740

4.53

4,709

4.40

Federal

Home Loan Bank stock

6,756

112

6.63

6,601

125

7.57

Commercial

loans

327,267

4,654

5.69

313,800

4,426

5.64

Residential

mortgage loans

4,586,955

48,286

4.21

4,409,645

44,089

4.00

Home

equity lines of credit

490,310

7,739

6.26

440,288

7,215

6.50

Installment

loans

9,182

196

8.46

11,842

223

7.48

Loans, net of unearned income

5,413,714

60,875

4.49

5,175,575

55,953

4.32

Total interest earning assets

6,389,111

$ 69,607

4.35

6,196,623

$ 66,033

4.25

Allowance for credit losses on loans

(54,467 )

(51,706 )

Cash & non-interest earning assets

219,106

208,701

Total assets

$ 6,553,750

$ 6,353,618

Liabilities and shareholders' equity

Deposits:

Interest bearing checking accounts

$ 1,092,564

$ 642

0.23 %

$ 1,035,366

$ 483

0.18 %

Money market accounts

442,480

1,597

1.43

464,334

2,065

1.76

Savings

1,076,926

730

0.27

1,077,441

741

0.27

Time deposits

2,288,063

19,245

3.34

2,125,920

19,427

3.63

Total interest bearing deposits

4,900,033

22,214

1.80

4,703,061

22,716

1.92

Short-term borrowings

102,386

354

1.37

87,348

198

0.90

Total interest bearing liabilities

5,002,419

$ 22,568

1.79

4,790,409

$ 22,914

1.90

Demand deposits

825,203

792,621

Other liabilities

75,989

76,502

Shareholders' equity

650,139

694,086

Total liabilities and shareholders' equity

$ 6,553,750

$ 6,353,618

Net interest income

$ 47,039

$ 43,119

Net interest spread

2.56 %

2.35 %

Net interest margin (net interest income to total interest earning assets)

2.95 %

2.79 %

Page | 11

DISTRIBUTION OF ASSETS, LIABILITIES AND SHAREHOLDERS' EQUITY -

INTEREST RATES AND INTEREST DIFFERENTIAL, Continued

(dollars in thousands)

(Unaudited)

Nine months ended

Nine months Ended

September 30,2026

September 30,2025

Average

Interest

Average

Interest

Average

Balance

Rate

Balance

Rate

Assets

Securities

available for sale:

S. government sponsored enterprises

$ 17,681

346

2.61 %

$ 72,461

1,809

3.33 %

Mortgage backed securities and collateralized mortgage obligations

- residential

219,451

4,464

2.71

240,401

4,679

2.59

State

and political subdivisions

6.77

Corporate

bonds

70,395

2,290

4.34

30,696

735

3.19

Small Business Administration - guaranteed participation securities

11,098

178

2.14

14,151

228

2.15

Other

712

6.46

698

4.20

Total securities available for sale

319,346

7,301

4.57

358,425

7,474

2.78

Federal funds sold and other short-term Investments

668,926

18,547

3.71

641,793

21,320

4.44

Held to maturity securities:

Mortgage backed securities and collateralized mortgage obligations - residential

3,972

134

4.50

4,969

163

4.37

Total held to maturity securities

3,972

134

4.50

4,969

163

4.37

Federal Home Loan Bank stock

6,704

361

10.77

6,567

405

8.22

Commercial loans

320,738

13,565

5.64

306,091

12,851

5.60

Residential mortgage loans

4,532,068

140,718

4.14

4,394,245

129,940

3.94

Home equity lines of credit

476,358

22,297

6.26

427,830

20,480

6.40

Installment loans

9,923

617

8.32

12,440

689

7.40

Loans, net of unearned income

5,339,087

177,197

4.43

5,140,606

163,960

4.25

Total interest earning assets

6,338,035

203,540

4.28

6,152,360

193,322

4.19

Allowance for credit losses on loans

(53,483 )

(50,991 )

Cash & non-interest earning assets

220,871

204,651

Total assets

$ 6,505,423

$ 6,306,020

Liabilities and shareholders' equity

Deposits:

Interest bearing checking accounts

$ 1,079,452

1,726

0.21 %

$ 1,037,598

1,577

0.20 %

Money market accounts

445,015

4,780

1.44

468,059

6,140

1.75

Savings

1,072,414

2,108

0.26

1,084,712

2,208

0.27

Time deposits

2,244,343

56,465

3.36

2,088,844

57,605

3.69

Total interest bearing deposits

4,841,224

65,079

1.80

4,679,213

67,530

1.93

Short-term borrowings

109,206

1,124

1.38

83,885

554

0.88

Total interest bearing liabilities

4,950,430

66,203

1.79

4,763,098

68,084

1.91

Demand deposits

814,465

777,573

Other liabilities

74,106

76,372

Shareholders' equity

666,422

688,977

Total liabilities and shareholders' equity

$ 6,505,423

$ 6,306,020

Net interest income

137,337

125,238

Net interest spread

2.49 %

2.28 %

Net interest margin (net interest income to total interest earning assets)

2.89 %

2.71 %

Page | 12

Non-GAAP Financial Measures Reconciliation

Tangible equity as a percentage of tangible assets at period end is a non-GAAP financial measure derived from GAAP-based amounts. We calculate tangible equity and tangible assets by excluding the balance of intangible assets from total shareholders’ equity and total assets, respectively. We calculate tangible equity as a percentage of tangible assets at period end by dividing tangible equity by tangible assets at period end. We believe that this is consistent with the treatment by bank regulatory agencies, which exclude intangible assets from the calculation of risk-based capital ratios. Additionally, we believe that this measure is important to many investors in the marketplace who are interested in relative changes from period to period in equity and total assets, each exclusive of changes in intangible assets.

Adjusted efficiency ratio is a non-GAAP measure of expense control relative to revenue from net interest income and non-interest income. We calculate the efficiency ratio by dividing total non-interest expense as determined under GAAP by the sum of net interest income and total non-interest income as determined under GAAP. We calculate the adjusted efficiency ratio by dividing total non-interest expenses as determined under GAAP, excluding other real estate expense, net, by the sum of net interest income and total non-interest income as determined under GAAP, excluding net gains on equity securities. We believe that this provides a reasonable measure of primary banking expenses relative to primary banking revenue. Additionally, we believe this measure is important to investors looking for a measure of efficiency in our productivity measured by the amount of revenue generated for each dollar spent.

We believe that these non-GAAP financial measures provide information that is important to investors and that is useful in understanding our financial results. Our management internally assesses our performance based, in part, on these measures. However, these non-GAAP financial measures are supplemental and not a substitute for an analysis based on GAAP measures. As other companies may use different calculations for these measures, this presentation may not be comparable to other similarly titled measures reported by other companies. A reconciliation of the non-GAAP measures of tangible equity as a percentage of tangible assets, and adjusted efficiency ratio to the most directly comparable GAAP measures is set forth below.

NON-GAAP FINANCIAL MEASURES RECONCILIATION

(dollars in thousands)

(Unaudited)

9/30/2026

6/30/2026

9/30/2025

Tangible Equity to Tangible Assets

Equity

(GAAP)

$ 631,325

$ 656,009

$ 692,013

Less:

Intangible assets

553

Tangible

equity (Non-GAAP)

$ 630,772

$ 655,456

$ 691,460

Total

Assets (GAAP)

$ 6,494,060

$ 6,524,913

$ 6,349,024

Less:

Intangible assets

553

Tangible

assets (Non-GAAP)

$ 6,493,507

$ 6,524,360

$ 6,348,471

Consolidated

Equity to Assets (GAAP)

9.72 %

10.05 %

10.90 %

Consolidated

Tangible Equity to Tangible Assets (Non-GAAP)

9.71 %

10.05 %

10.89 %

Three months ended

Nine months ended

Efficiency and Adjusted Efficiency

Ratios

9/30/2026

6/30/2026

9/30/2025

9/30/2026

9/30/2025

Net

interest income (GAAP)

$ 47,039

$ 45,590

$ 43,119

$ 137,337

$ 125,238

Non-interest

income (GAAP)

4,818

5,912

4,689

15,571

14,515

Less: Net gains on equity securities

844

900

Revenue

used for efficiency ratio (Non-GAAP)

$ 51,801

$ 50,658

$ 47,808

$ 152,008

$ 139,753

Total

noninterest expense (GAAP)

$ 28,019

$ 28,333

$ 26,242

$ 83,334

$ 78,794

Less: Other real estate expense, net

(12 )

112

150

558

Expense

used for efficiency ratio (Non-GAAP)

$ 28,031

$ 28,221

$ 26,234

$ 83,184

$ 78,236

Efficiency

Ratio (GAAP)

E/(A+B)

54.03 %

55.01 %

54.89 %

54.50 %

56.38 %

Adjusted

Efficiency Ratio (Non-GAAP)

G/D

54.11 %

55.71 %

54.87 %

54.72 %

55.98 %

Page | 13

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dei:centralIndexKeyItemType

Balance Type:

Period Type:

duration

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

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Data Type:

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Balance Type:

Period Type:

duration

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

Period Type:

duration

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

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Data Type:

dei:edgarStateCountryItemType

Balance Type:

Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

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Data Type:

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Balance Type:

Period Type:

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- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

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Data Type:

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Balance Type:

Period Type:

duration

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

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Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

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Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

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Data Type:

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Balance Type:

Period Type:

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- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

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Data Type:

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Balance Type:

Period Type:

duration

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

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Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

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