| Metric | TrustCo Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +5.5% | -2.7 pts |
| Deposit growth (YoY) | +3.5% | +5.1% | -1.6 pts |
| Loan growth (YoY) | +4.3% | +5.9% | -1.7 pts |
| ROA | 1.04% | 1.26% | -0.2 pts |
| ROE | 12.4% | 12.2% | +0.3 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.52B | $5.68B | $5.32B | $555.8M | $33.6M | 1.04% | 2.87% | 0.35% |
| Q1 2026 | $6.51B | $5.65B | $5.24B | $539.5M | $16.5M | 1.02% | 2.85% | 0.35% |
| Q4 2025 | $6.44B | $5.56B | $5.20B | $524.3M | $61.8M | 0.97% | 2.76% | 0.34% |
| Q3 2025 | $6.35B | $5.48B | $5.14B | $675.8M | $46.1M | 0.97% | 2.74% | 0.31% |
| Q2 2025 | $6.35B | $5.49B | $5.11B | $668.3M | $29.8M | 0.94% | 2.70% | 0.30% |
| Q1 2025 | $6.34B | $5.50B | $5.07B | $659.3M | $14.4M | 0.92% | 2.66% | 0.33% |
| Q4 2024 | $6.24B | $5.39B | $5.05B | $649.4M | $49.6M | 0.81% | 2.56% | 0.34% |
| Q3 2024 | $6.11B | $5.26B | $5.02B | $643.4M | $38.2M | 0.83% | 2.54% | 0.36% |
Loan mix (Q2 2026): real estate $5.35B · commercial $17.2M · consumer $9.8M · securities $307.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | TrustCo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.26% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 12.2% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.8% | 59.0% | 37th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | TrustCo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | TrustCo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | TrustCo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | TrustCo Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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