What is TrustCo Bank's financial health grade?

TrustCo Bank has a TFS Financial Health Grade of C (score: 74.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does TrustCo Bank have?

TrustCo Bank has 134 branch locations across the United States.

Is TrustCo Bank FDIC insured?

Yes, TrustCo Bank is FDIC insured (Certificate #31945).

What are the total assets of TrustCo Bank?

TrustCo Bank has total assets of $6.4B as reported in its most recent FDIC filing.

TrustCo Bank

BankGlenville, New York

www.trustcobank.com

Total Assets

$6.4B

Total Deposits

$5.6B

Branches

135

Established

1925

TFS Health Grade

74.0 / 100

Average financial health

How we grade

TrustCo Bank is a bank headquartered in Glenville, New York, established in 1925. With $6.4B in total assets and 135 branch locations, it has a TFS Financial Health Grade of C (74.0/100).

Capital & Safety

Tier 1 Capital Ratio

8.13%(8%)

Total Capital Ratio

15.23%(10%)

Non-Performing Loan Ratio

0.39%

Profitability

Return on Assets (ROA)

0.97%(1%)

Return on Equity (ROE)

9.73%(10%)

Net Interest Margin

2.76%

Efficiency Ratio

55.94%(60%)

Lending & Liquidity

Total Loans

$5.3B

Loan-to-Deposit Ratio

93.57%

Net Charge-Off Ratio

-0.01%

Growth

Asset Growth (YoY)

+3.22%

Deposit Growth (YoY)

+3.09%

Net Income

$61.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
TrustCo BankHQ	1 Sarnowski Dr	Glenville	NY	11
TrustCo Bank	909 West State Rd 434	Altamonte Springs	FL	11
TrustCo Bank	1134 Rock Springs Rd	Apopka	FL	11
TrustCo Bank	5858 Cortez Rd W	Bradenton	FL	11
TrustCo Bank	12305 Us Rt 27	Clermont	FL	11
TrustCo Bank	16908 High Grove Blvd	Clermont	FL	11
TrustCo Bank	42755 Rt27	Davenport	FL	11
TrustCo Bank	2930 S Mccall Rd	Englewood	FL	11
TrustCo Bank	14051 Us Highway 1	Juno Beach	FL	11
TrustCo Bank	3307 S Orange Blossom Trl	Kissimmee	FL	11
TrustCo Bank	1525 E Osceola Pkwy	Kissimmee	FL	11
TrustCo Bank	873 N Us Highway 27/441	Lady Lake	FL	11
TrustCo Bank	1330 Citizens Blvd	Leesburg	FL	11
TrustCo Bank	10105 Route 441	Leesburg	FL	11
TrustCo Bank	671 N Hunt Club Blvd	Longwood	FL	11
TrustCo Bank	9400 S Us Highway 17/92	Maitland	FL	11
TrustCo Bank	2481 Croton Rd	Melbourne	FL	11
TrustCo Bank	2390 9th St N	Naples	FL	24
TrustCo Bank	902 Saxon Blvd	Orange City	FL	11
TrustCo Bank	12901 E Colonial Dr	Orlando	FL	11
TrustCo Bank	400 E Pine St	Orlando	FL	11
TrustCo Bank	10249 S John Young Pkwy	Orlando	FL	11
TrustCo Bank	2838 Curry Ford Rd	Orlando	FL	11
TrustCo Bank	8288 Lee Vista Blvd	Orlando	FL	11
TrustCo Bank	3662 Avalon Park East Blvd	Orlando	FL	11
TrustCo Bank	6084 S Apopka Vineland Rd	Orlando	FL	11
TrustCo Bank	9360 Narcoossee Rd	Orlando	FL	11
TrustCo Bank	4301 E Colonial Dr	Orlando	FL	11
TrustCo Bank	2619 S Hiawassee Rd	Orlando	FL	11
TrustCo Bank	3920 N Dean Rd	Orlando	FL	11
TrustCo Bank	115 N Nova Rd	Ormond Beach	FL	11
TrustCo Bank	1300 S Tamiami Trial	Osprey	FL	11
TrustCo Bank	1500 Alafaya Trl	Oviedo	FL	11
TrustCo Bank	1875 W County Road 419	Oviedo	FL	11
TrustCo Bank	120 Belle Terre Pkwy	Palm Coast	FL	11
TrustCo Bank	3751 Clyde Morris Blvd	Port Orange	FL	11
TrustCo Bank	4942 Sr 46	Sanford	FL	11
TrustCo Bank	1185 Rinehart Rd	Sanford	FL	11
TrustCo Bank	350 W Lake Mary Blvd	Sanford	FL	11
TrustCo Bank	2704 Bee Ridge Rd	Sarasota	FL	11
TrustCo Bank	5950 Beneva Rd	Sarasota	FL	11
TrustCo Bank	951 Se Federal Hwy	Stuart	FL	11
TrustCo Bank	4441 Sun City Center Blvd	Sun City Center	FL	11
TrustCo Bank	2057 S Tamiami Trl	Venice	FL	11
TrustCo Bank	4125 20th St	Vero Beach	FL	11
TrustCo Bank	2899 Maguire Rd	Windermere	FL	11
TrustCo Bank	16118 Marsh Rd	Winter Garden	FL	11
TrustCo Bank	7476 Cypress Gardens Blvd	Winter Haven	FL	11
TrustCo Bank	4070 Aloma Ave	Winter Park	FL	11
TrustCo Bank	851 E State Road 434	Winter Springs	FL	11

Showing 50 of 134 branches

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.