TRST FINANCIAL STATEMENTS

TrustCo Bank Corp NY — balance sheet, income statement and cash flow trends

TRSTTrustCo Bank Corp NY

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue281.6 M $+5.7%

Gross Profit190.2 M $+9.3%

Operating Income84.1 M $+25.8%

EBITDA92.7 M $+18.4%

Net Income63.1 M $+23.9%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
TRST	—	—	—	22.4%
SKBNK	—	—	—	14.2%
LLOY	—	—	—	25.9%
LB	—	—	—	1.4%
NWG	—	—	—	20.1%
TSKB	—	—	—	54.9%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity670.9 M $10%
Current Liabilities119 M $2%
Long-term Liabilities5.7 B $88%

Key Figures

YoY change

Total Assets6.5 B $+2.7%

Total Liabilities5.8 B $+3.3%

Total Equity670.9 M $-2.5%

Cash & ST Investments43.2 M $-88.4%

Total Debt148.9 M $+23.4%

Net Debt105.7 M $+47.2%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
TRST	0.49	22.2%	1.14	10.3%
SKBNK	—	0.0%	-13.41	5.9%
LLOY	0.12	209.8%	5.39	5.0%
LB	0.01	744.5%	280.57	5.3%
NWG	0.25	17.0%	-14.68	5.2%
TSKB	—	0.0%	-0.47	13.4%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
TRST	0.49	22.2%	1.14	10.3%
HAFC	0.06	16.3%	-2.59	10.2%
CCNE	0.67	37.2%	2.49	10.4%
MBWM	0.22	95.4%	5.89	10.6%
BFST	0.17	38.8%	-6.73	11.1%
EQBK	0.26	59.3%	-13.51	10.7%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow68.1 M $+34.1%

Capital Expenditures9 M $+0.3%

Free Cash Flow59.2 M $+41.3%

Dividends Paid-27.5 M $-200.4%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
TRST	24.2%	21.0%	3.2%	107.9%
SKBNK	14.2%	31.2%	17.0%	100.0%
LLOY	—	—	0.0%	—
LB	-1.8%	-3.5%	1.7%	-134.2%
NWG	—	—	0.0%	—
TSKB	54.9%	71.9%	17.0%	100.0%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
TRST	24.2%	21.0%	3.2%	107.9%
HAFC	46.4%	45.8%	0.6%	252.0%
CCNE	16.6%	15.5%	1.1%	88.8%
MBWM	13.0%	11.4%	1.6%	53.6%
BFST	17.3%	16.7%	0.6%	99.1%
EQBK	13.1%	8.6%	4.5%	184.3%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 8, 26. This content is for informational purposes only and is not investment advice.