BlastPoint's Banking Scorecard
TrustCo Bank
Mid-Market
Specialty: Mortgage
NY
FDIC cert 31945
Glenville, NY
201
banks in Mid-Market tier nationally
22 in NY
View Mid-Market leaderboard (NY) →
TrustCo Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 8% in Mid-Market
- - Credit Quality Pressure: Bottom 13% in Mid-Market
- - Liquidity Strain: Bottom 22% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.4B
+3.2% YoY
+1.5% QoQ
|
-$4.0B |
$10.5B
+2.9% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$5.2B
+3.0% YoY
+1.2% QoQ
|
-$1.9B |
$7.1B
+4.5% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$5.6B
+3.1% YoY
+1.4% QoQ
|
-$3.0B |
$8.5B
+3.0% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
0.97%
+20.9% YoY
+0.0% QoQ
|
-0.19% |
1.16%
+9.4% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
2.76%
+8.0% YoY
+0.8% QoQ
|
-0.63% |
3.40%
+7.9% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
55.94%
-9.4% YoY
-0.3% QoQ
|
-0.66% |
56.60%
-3.2% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
0.40%
+7.1% YoY
+10.9% QoQ
|
-0.29% |
0.68%
+12.0% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
93.57%
-0.1% YoY
-0.2% QoQ
|
+8.10% |
85.47%
+1.1% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
14.66%
+3.7% YoY
+1.0% QoQ
|
-5.98% |
20.64%
-0.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.34%
+2.2% YoY
+10.7% QoQ
|
-0.15% |
0.50%
+7.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
13.98%
-24.6% YoY
-25.1% QoQ
|
+0.43% |
13.55%
+1.8% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.32%
-1.2% YoY
+29.2% QoQ
|
-0.64% |
0.96%
+7.1% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Risk Growth
risk
#8 of 87 · Bottom 8% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
Credit Quality Pressure
risk
#16 of 113 · Bottom 13% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.40%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
Liquidity Strain
risk
#18 of 80 · Bottom 22% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
93.57%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
70
70th pctile
Tier 1 Capital Ratio
Current: 13.98% · Tier avg: 13.55%
67
67th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.68%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.50%
55
55th pctile
Efficiency Ratio
Current: 55.94% · Tier avg: 56.60%
42
42th pctile
Total Loans
Current: $5.2B · Tier avg: $7.1B
36
36th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
32
32th pctile
Total Deposits
Current: $5.6B · Tier avg: $8.5B
29
29th pctile
Loan-to-Deposit Ratio
Current: 93.57% · Tier avg: 85.47%
26
26th pctile
Total Assets
Current: $6.4B · Tier avg: $10.5B
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 14.66% · Tier avg: 20.64%
20
20th pctile
Net Interest Margin
Current: 2.76% · Tier avg: 3.40%
18
18th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.96%
Top Weaknesses
18
18th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.96%
20
20th pctile
Net Interest Margin
Current: 2.76% · Tier avg: 3.40%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 14.66% · Tier avg: 20.64%
26
26th pctile
Total Assets
Current: $6.4B · Tier avg: $10.5B
29
29th pctile
Loan-to-Deposit Ratio
Current: 93.57% · Tier avg: 85.47%
32
32th pctile
Total Deposits
Current: $5.6B · Tier avg: $8.5B
36
36th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
42
42th pctile
Total Loans
Current: $5.2B · Tier avg: $7.1B
55
55th pctile
Efficiency Ratio
Current: 55.94% · Tier avg: 56.60%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.50%
67
67th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.68%
70
70th pctile
Tier 1 Capital Ratio
Current: 13.98% · Tier avg: 13.55%