Trustco Bank (FDIC #31945): Bank Stress & Real-Estate Credit Exposure
Trustco Bank (FDIC Cert #31945): bank stress 75/100, severe, STABLE over 7 days; parent TRUSTCO BANK CORP NY.
Trustco Bank (#31945) lends in 33 counties across 5 states; Trustco Bank (#31945) reaches 960 ZIP codes: New York 15 counties, 445 ZIPs; Florida 15 counties, 391 ZIPs; New Jersey 1 county, 66 ZIPs; Massachusetts 1 county, 36 ZIPs; Vermont 1 county, 22 ZIPs.
Trustco Bank (#31945) largest markets: Westchester County, NY (624 branches, 78 ZIPs) (#31945), Bergen County, NJ (66 branches, 66 ZIPs) (#31945), Hillsborough County, FL (58 branches, 58 ZIPs) (#31945), Palm Beach County, FL (53 branches, 53 ZIPs) (#31945), Orange County, NY (52 branches, 52 ZIPs) (#31945), Orange County, FL (686 branches, 49 ZIPs) (#31945).
Trustco Bank (#31945) reports $6.52 billion in total assets; Trustco Bank (#31945) equity $555.8 million (8.5% of Trustco Bank (#31945) assets); Trustco Bank (#31945) domestic deposits $5.68 billion; Trustco Bank (#31945) net income $33.6 million; Trustco Bank (#31945) return on assets 1.04%; Trustco Bank (#31945) return on equity 12.45%; Trustco Bank (#31945) net interest income $89.6 million; Trustco Bank (#31945) call report June 30, 2026.
Trustco Bank (#31945) noncurrent real-estate loans: none reported; Trustco Bank (#31945) residential -0.03%; Trustco Bank (#31945) net charge-offs on real estate 0.41%; Trustco Bank (#31945) residential charge-offs 1.20%.
Trustco Bank (#31945) net interest margin 2.87% against an eight-quarter Trustco Bank (#31945) average of 2.71% (Trustco Bank (#31945) compression -0.16 points); Trustco Bank (#31945) non-residential real estate 120.3% of equity; Trustco Bank (#31945) rate-exposure score 40/100, Trustco Bank (#31945) fixed-rate trap 40/100; Trustco Bank (#31945) risk type credit driven; Trustco Bank (#31945) rate regime rates elevated, Trustco Bank (#31945) snapshot October 19, 2026.
Trustco Bank (#31945) stress score moved from 74.7 on June 22, 2026 to 75 on October 19, 2026; Trustco Bank (#31945) ranged 74.7 to 75 over 116 snapshots.
Trustco Bank (#31945) alerts: 33 counties; top Trustco Bank (#31945) alert scores: Schenectady County, NY 51 (elevated); Monroe County, NY 45 (moderate); Amsterdam County, NY 26 (low); Bennington County, NY 26 (low); Bradenton County, NY 26 (low).