TRUSTCO BANK CORP N Y (TRST) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	245.2M	278.3M	263.1M	244.5M	205.9M
Cost of Revenue	90.7M	91.6M	93.4M	55.6M	6.1M
Gross Profit	154.4M	186.7M	169.8M	188.9M	199.7M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	88.9M	65.3M	54.1M	57.4M	51.1M
General & Admin Expense	87.2M	63.7M	52.3M	55.5M	49.1M
Selling & Marketing Expense	1.7M	1.6M	1.8M	1.9M	2.0M
Other Expenses	21.1M	40.2M	51.7M	53.9M	49.2M
Total Operating Expenses	110.0M	105.5M	105.7M	111.3M	100.3M
Cost and Expenses	200.7M	197.1M	199.1M	166.9M	106.4M
Operating Income (EBIT)	44.4M	81.2M	64.0M	77.6M	99.4M
Non-Operating
Interest Income	269.6M	259.4M	243.3M	226.2M	186.6M
Interest Expense	88.6M	90.4M	91.4M	54.4M	6.5M
Net Interest Income	181.1M	169.0M	151.9M	171.8M	180.1M
Other Non-Op Income/Expense	43.7M	(400.0K)	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	88.2M	80.8M	64.0M	77.6M	99.4M
Income Tax Expense	22.0M	19.7M	15.2M	19.0M	24.2M
Bottom Line
Net Income	66.1M	61.1M	48.8M	58.6M	75.2M
Earnings from Cont. Ops	66.1M	61.1M	48.8M	58.6M	75.2M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	66.1M	61.1M	48.8M	58.6M	75.2M
Per Share
Basic EPS	$3.77	$3.25	$2.57	$3.08	$3.93
Diluted EPS	$3.76	$3.25	$2.57	$3.08	$3.93
Revenue Per Share	$14.56	$15.23	$13.84	$12.85	$10.76
Shares
Basic Shares Outstanding	16.8M	18.3M	19.0M	19.0M	19.1M
Diluted Shares Outstanding	16.9M	18.3M	19.0M	19.0M	19.1M
Profitability Metrics
EBITDA	53.2M	92.7M	75.5M	88.4M	110.0M
D&A	8.7M	11.5M	11.4M	10.8M	10.6M
EBIT	44.4M	81.2M	64.0M	77.6M	99.4M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026