Risk factors

Trustco Bank Corp. N y (TRST) risk factors

Item 1A of every Trustco Bank Corp. N y 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    43 risks, 6 new, 2 dropped, 5 reworded since the prior year. Trustco Bank added risks regarding digital deposit competition, fraud, privacy rules, and activist shareholder pressure. Tax and residential mortgage portfolio concentration risks were updated.

    Filed Mar 16, 2026
  • FY2024 10-K risk factors

    39 risks. TrustCo Bank Corp is heavily exposed to residential real estate loans, which comprise 94.1% of its portfolio. The risk section is dominated by macroeconomic factors, credit risk, regulatory compliance, and cybersecurity threats.

    Filed Mar 14, 2025