TrustCo Bank is an FDIC insured institution headquartered at
1 Sarnowski Dr, Glenville, NY 12302.
Deposit Rates -
June 09, 2025
SAVINGS RATES
APY
MIN
SAV
0.06% $20,000
Compare
MM RATES
APY
MIN
Money Market
0.05% $20,000
Compare
INT CHECKING RATES
APY
MIN
INTCK
1.00% $20,000
Loan Rates -
June 09, 2025
MORTGAGE PURCHASE
APR(%)
MONTHLY PAYMENT
15 Year Fixed Conforming
6.35%
$2,743.75
30 Year Fixed Conforming
5.74%
$1,865.40
30 Year Fixed Jumbo
6.26%
$1,970.30
MORTGAGE REFINANCE
APR(%)
MONTHLY PAYMENT
15 Year Fixed Conforming
6.35%
$2,743.75
30 Year Fixed Jumbo
6.26%
$1,970.30
30 Year Fixed Conforming
6.43%
$1,996.38
AUTO LOAN RATES
APR(%)
MONTHLY PAYMENT
4 Year
3.49%
$558.79
5 Year
3.99%
$460.30
Overview 2025
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 31945
Date Established
1925
Assets
$ 6.24 billion
Loans
$ 5.05 billion
Deposits
$ 5.39 billion
Capital
$ 649.36 million
Summary Balance Sheet as of December 31, 2024
ASSETS
Cash & Balances due from depository institutions
$ 643.40 million
Interest-bearing balances
$ 594.45 million
Total securities
$ 363.50 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 5.05 billion
Loan loss allowance
$ 50.25 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
$ 2.18 million
Goodwill and other intangibles
$ 0.55 million
All other assets
$ 92.67 million
Total Assets $ 5.59 billion
LIABILITIES
Total deposits
$ 5.39 billion
Interest-bearing deposits
$ 4.63 billion
Deposits held in domestic offices
$ 5.39 billion
% insured (estimated)" 79.42%
Federal funds purchased and repurchase agreements
$ 116.86 million
Trading liabilities
N.A.
Other borrowed funds
N.A.
Subordinated debt
N.A.
All other liabilities
$ 78.86 millionn
Total Liabilities $ 5.59 billion
Shareholders’ Equity $ 649.36 million
Summary Income Statement as of December 31, 2024
INCOME AND EXPENSES
Total Interest Income
$ 243.32 million
Total Interest Expense
$ 91.62 million
Net interest income
$ 151.70 million
Provision for loan and lease losses
$ 2.00 million
Total non interest income
$ 19.92 million
Total non interest expense
$ 105.93 million
Pre-tax Net Operating Income
$ 47.03 million
Customer Reviews for TrustCo Bank
Branches
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