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TrustCo Bank


ACH Number: 63192450

TrustCo Bank is an FDIC insured institution headquartered at 1 Sarnowski Dr, Glenville, NY 12302.
It was founded in 1925 and has approximately $6 billion in assets. Customers can open an account at one of its 147 branches.

Deposit Rates - August 07, 2026

SAVINGS RATES APY MIN
SAV
0.95% $20,000 Compare
CD RATES APY MIN
6 Mo CD
3.50% $500 Compare
9 Mo CD
3.75% $500 Compare
12 Mo CD
1.25% $500 Compare
18 Mo CD
0.20% $500 Compare
36 Mo CD
1.25% $500 Compare
48 Mo CD
0.73% $500 Compare
60 Mo CD
0.80% $500 Compare
MM RATES APY MIN
Money Market
0.00% $20,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.35% $20,000




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 31945
Date Established 1925
Assets $ 6.44 billion
Loans $ 5.20 billion
Deposits $ 5.56 billion
Capital $ 524.30 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 730.48 million
Interest-bearing balances $ 679.86 million
Total securities $ 314.70 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 5.20 billion
Loan loss allowance $ 52.21 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.39 million
Goodwill and other intangibles $ 0.55 million
All other assets $ 92.67 million
     Total Assets $ 5.92 billion

LIABILITIES
Total deposits $ 5.56 billion
      Interest-bearing deposits $ 4.74 billion
      Deposits held in domestic offices $ 5.56 billion
      % insured (estimated)" 78.09%
Federal funds purchased and repurchase agreements $ 287.26 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 78.86 millionn
      Total Liabilities $ 5.92 billion
      Shareholders’ Equity $ 524.30 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 259.41 million
Total Interest Expense $ 90.78 million
Net interest income $ 168.63 million
Provision for loan and lease losses $ 1.60 million
Total non interest income $ 20.32 million
Total non interest expense $ 105.71 million
Pre-tax Net Operating Income $ 47.03 million

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