🏦Bank Scorer

TRUSTCO BANK

GLENVILLE, NY · Supervised by OTS

Est. 1925FDIC #31,945
Satisfactory Same

Current rating · Exam: January 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.02%

Institution Profile

FDIC BankFind

Address

1 Sarnowski Dr, GLENVILLE, NY

County

Schenectady County

Established

January 1, 1925

Total Assets

$6.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 5, 2010

Exam Type

Large Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 16 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$6.5B

Total Deposits

$5.7B

Net Loans

$5.2B

Net Income

$16M

ROA

1.02%

ROE

12.39%

Risk-Based Capital

15.51%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate25.69%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

136

Branch Deposits

$5.5B

1-Year Change

-2

5-year net change: -12 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244,51654.32%25.69%
20235,71956.13%26.75%
20227,28158.54%24.46%
20219,39763.51%20.41%
20208,88861.39%22.04%
20196,45960.04%25.25%
20185,72664.18%21.69%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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