--- title: TrustCo Bank url: https://lender.report/lender/trustco-bank-ny/ as_of: 2026-06-30 data_version: 2026-11-12.1 license: https://lender.report/license/ is_paid: false label: Unverified listing listing_state: unverified status: operating ids: {fdic: 31945, rssd: 677176, ncua: null, lei: 549300GCEP3NM7A1X491} --- # TrustCo Bank > Unverified listing. Built from public records. The lender has not reviewed the page. Every lender starts this way, and it says nothing about the lender itself. Claiming is free. **Cite this:** Source: The Lender Report, TrustCo Bank, https://lender.report/lender/trustco-bank-ny/, data as of June 30, 2026. Savings institution, Glenville, NY. Regulator: Office of the Comptroller of the Currency. Identifiers: FDIC certificate 31945; RSSD 677176; LEI 549300GCEP3NM7A1X491. ## Facts, each with its source and date - Reported $6.5B in total assets as of June 30, 2026 (FDIC call report). - Held $251.2M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report). - Held $74.8M of non-owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report). - Held $66.7M of owner-occupied commercial real estate loans as of June 30, 2026, up 2.1% from a year earlier (FDIC call report). - Held $46.6M of construction and land loans as of June 30, 2026, up 22.2% from a year earlier (FDIC call report). - Originated 7 multifamily loans totaling $16M in 2025 (HMDA). - Originated 14 multifamily loans totaling $12M in 2024 (HMDA). - Originated 49 1-4 unit investor or business-purpose loans totaling $11.3M in 2025 (HMDA). - Estimated legal lending limit of about $90.4M (estimate, 15% of tier 1 capital plus allowance, June 30, 2026 FDIC call report). - Listed 134 offices in 5 states (FDIC). - Reported making 88 small business loans totaling $23.1M in 2024, in its Community Reinvestment Act filing (FFIEC). - Held 165 commercial and industrial loans that were $1 million or less when made, with a balance of $12M as of June 30, 2026 (FDIC call report). These are loans held, not loans made. - Held 151 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $48.2M as of June 30, 2026 (FDIC call report). These are loans held, not loans made. - Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $16.4M for 1-4 family and $40.2M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made. ## What it holds (June 30, 2026) Balances held as filed. Not loans made. | Book | Holds | Of its loans | Year over year | | --- | --- | --- | --- | | Multifamily | $45.9M | 0.85% | +20.8% | | Construction and land development | $46.6M | 0.87% | +22.2% | | Owner-occupied CRE | $66.7M | 1.24% | +2.1% | | Non-owner-occupied CRE | $74.8M | 1.39% | -1.6% | | Farmland | $0 | 0% | not reported | | Commercial and industrial | $17.2M | 0.32% | -21.2% | ## Loans on record | Kind of loan | Period | Loans made | Dollars | Source | | --- | --- | --- | --- | --- | | Multifamily, 5 or more units | 2025 | 7 | $16.0M | CFPB HMDA | | Multifamily, 5 or more units | 2024 | 14 | $12.0M | CFPB HMDA | | 1-4 unit investor or business purpose | 2025 | 49 | $11.3M | CFPB HMDA | ## Recent recorded loans, coarsened Place is the county or the state, amounts are rounded to 2 significant figures, and no borrower is named. | When | Place | Loan | Amount | Rate | Term (months) | Source | | --- | --- | --- | --- | --- | --- | --- | | 2025 | Saratoga County, NY | purchase, 50-99 units | $9.00M | 6.625% | 120 | CFPB HMDA | | 2025 | Rensselaer County, NY | purchase, 25-49 units | $4.60M | 7% | 120 | CFPB HMDA | | 2025 | Warren County, NY | cash_out_refinance, 25-49 units | $820K | 6.875% | 120 | CFPB HMDA | | 2025 | Schenectady County, NY | refinance, 5-24 units | $800K | 6.875% | 120 | CFPB HMDA | | 2025 | Schenectady County, NY | purchase, 5-24 units | $380K | 7.5% | 120 | CFPB HMDA | | 2025 | Columbia County, NY | improvement, 5-24 units | $300K | 7% | 120 | CFPB HMDA | | 2025 | Rensselaer County, NY | cash_out_refinance, 5-24 units | $120K | 6.99% | 120 | CFPB HMDA | | 2024 | Albany County, NY | cash_out_refinance, 5-24 units | $2.60M | 6.75% | 120 | CFPB HMDA | | 2024 | Rensselaer County, NY | purchase, 5-24 units | $1.60M | 6.75% | 60 | CFPB HMDA | | 2024 | Schenectady County, NY | cash_out_refinance, 25-49 units | $1.30M | 6.75% | 60 | CFPB HMDA | ## Where it lends 134 offices in 5 states (October 28, 2026). ## Not a rating Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits. | Measure | Value | How it is worked out | | --- | --- | --- | | Estimated largest single loan | $90.4M | Estimate from reported capital, not a limit the lender has stated. | | Loans to assets | 82.42% | Total loans divided by total assets | | Loans to deposits | 94.64% | Total loans divided by total deposits | ## What we do not know - Whether this lender is taking new loans today. - Its underwriting limits and fees, unless it has told us. - Whether it takes brokers, beyond what the public record shows. - A balance is what a lender holds as filed. It is not a loan made. ## How to reach them - Website: https://www.trustcobank.com (from the regulator record or the lender's own site) - Phone: (800) 670-3110 - Regulator record: https://banks.data.fdic.gov/bankfind-suite/bankfind/details/31945 ## For the record Data as of June 30, 2026. Data release 2026-11-12.1. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan. The Lender Report is not affiliated with, endorsed by or acting for the FDIC, NCUA, FFIEC, CFPB, SBA, HUD or any government agency. Certificate and charter numbers identify institutions only. The Lender Report is operated by JPro Labs LLC. The Lender Report is not a bank or a lender. It does not make loans or credit decisions. Listings are built from public records. Page: https://lender.report/lender/trustco-bank-ny/ License: https://lender.report/license/