TRST

EX-99.(A)

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EXHIBIT 99(A)

Exhibit 99(a)

5 Sarnowski Drive, Glenville, New York, 12302News Release

Subsidiary: Trustco BankNasdaq -- TRST

Contact:Robert Leonard

Executive Vice President

(518) 381-3693

Lauren A. McCormick

Vice President, Treasurer, and

Assistant Corporate Secretary

(518) 381-3673

FOR IMMEDIATE RELEASE:

TrustCo’s Positive Momentum Yields 6.5% Net Income Increase;

$17.3 Million for Third Quarter of 2026

Executive Snapshot:

Financial results:

●

Key metrics for the third quarter of 2026 compared to the third quarter of 2025:

■

Diluted earnings per share of $1.02 increased 18.6% compared to $0.86

■

Net interest income of $47.0 million, up 9.1% from $43.1 million

■

Net interest margin of 2.95%, up 16 basis points from 2.79%

■

Net income of $17.3 million increased 6.5% compared to $16.3 million

■

Average loans increased $238.1 million, or 4.6%

■

Average deposits increased $229.6 million, or 4.2%

●

Capital allocation and Stock Repurchase Program:

■

Increased dividend 5.3% to $0.40 per share, or $1.60 per share on an annualized basis

■

Purchased 13.2% of TrustCo outstanding common stock under the 2026 and 2025 Stock Repurchase Programs through the acquisition of over 1.5 million shares in the first nine months of 2026, following the purchase of 1 million shares in 2025, reinforcing a disciplined long-term capital allocation strategy

■

On pace to complete the repurchase of a total of three million shares, or 15.8%, of TrustCo common stock by the end of 2026

Glenville, New York – October 21, 2026

TrustCo Bank Corp NY (TrustCo, NASDAQ: TRST) today announced financial results for the third quarter of 2026 highlighted by a continued increase in net interest income and sustained loan and deposit growth across core lending and deposit categories. For the three months ended September 30, 2026, net interest income increased 9.1% year over year to $47.0 million. This was driven by the ongoing asset repricing across our loan portfolio at higher yields and effective execution of deposit growth and pricing strategies. For the three months ended September 30, 2026, net interest margin expanded to 2.95% from 2.79% in the prior year period. This resulted in third quarter 2026 net income of $17.3 million, or $1.02 diluted earnings per share, compared to net income of $16.3 million, or $0.86 diluted earnings per share, for the third quarter 2025; and contributed to net income of $50.6 million, or $2.91 diluted earnings per share, for the nine months ended September 30, 2026, compared to net income of $45.6 million, or $2.41 diluted earnings per share, for the nine months ended September 30, 2025.

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1

Overview

Chairman, President, and CEO, Robert J. McCormick, said “Another quarter of solid financial performance is the product of TrustCo’s continued execution of tried and true banking principles that, quarter after quarter, continue to build positive momentum. Steady growth in both loans and deposits, coupled with favorable repricing of the Bank’s nearly $5.5 billion loan portfolio, have boosted net interest income to $47 million for the quarter, increased margin by 16 basis points, and driven return on average equity up 1.28% year over year, a 14% increase. Our management team has built a resilient balance sheet that can perform well in the current dynamic interest-rate environment, which efforts are supported by the entire organization’s focus on our relationship-based banking strategy. The ongoing repurchase of shares and regular payment of our recently-increased quarterly dividend work together to enhance shareholder value. With all of these factors coming together and trending favorably, we are optimistic about the Company’s ability to maintain positive momentum into 2027.”

Details

We have continued to see meaningful net income and net interest income improvement. The loan and investment portfolios of Trustco Bank (the “Bank”) continue to reprice upward as lower yielding assets mature and are replaced with higher rate loan originations and investment purchases, driving steady improvement in overall asset yields. We believe that this ongoing repricing reflects disciplined loan production aligned with current market conditions. Complementing this, the Bank maintains a strong liquidity position, driven by deposit growth while decreasing funding costs which underscores the Bank's disciplined relationship banking strategy and the value customers place on stability and service. We believe that these factors position the Bank to generate continued net income and net interest income growth in the coming quarters and deliver long-term value to shareholders. Net interest income was $47.0 million for the third quarter of 2026, an increase of $3.9 million, or 9.1%, compared to the third quarter of 2025, driven by loan growth at higher interest rates and a decrease in interest expense. The net interest margin for the third quarter of 2026 was 2.95%, up 16

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EX-99.A

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EXHIBIT 99(A)

Exhibit 99(a)

5 Sarnowski Drive, Glenville, New York, 12302

News Release

Subsidiary:        Trustco Bank

Nasdaq -- TRST

Contact:

Robert Leonard

Executive Vice President

(518) 381-3693

Lauren A. McCormick

Vice President, Treasurer, and

Assistant Corporate Secretary

(518) 381-3673

FOR IMMEDIATE RELEASE:

TrustCo Reports First Quarter 2026 Net Income of $16.3 Million;

Notes Loan Portfolio Repricing

Executive Snapshot:

•

Financial results:

o

Key metrics for the first quarter 2026 compared to the first quarter of 2025:

◾

Net income of $16.3 million increased 14.1% compared to $14.3 million

◾

Diluted earnings per share of $0.91 increased 21.3% compared to $0.75

◾

Net interest margin of 2.84%, up 20 basis points from 2.64%

◾

Return on Average Assets of 1.02%, up 9.7% from 0.93%

◾

Return on Average Equity of 9.66%, up 13.8% from 8.49%

◾

Net interest income of $44.7 million, up 10.7% from $40.4 million

•

Capital position and Stock Repurchase Program:

o

Book value per share as of March 31, 2026 was $38.32, up from $36.16 as of March 31, 2025

o

More than a half million shares (522,226), or 2.9%, of TrustCo common stock were purchased under the Stock Repurchase Program during the first quarter of 2026

o

On pace to complete the repurchase of two million shares or 11.1% of TrustCo common stock during 2026

Glenville, New York – April 21, 2026

TrustCo Bank Corp NY (TrustCo, NASDAQ: TRST) today announced strong financial results for the first quarter of 2026 highlighted by a substantial increase in net interest income, continued margin expansion, and sustained loan and deposit growth across core lending and deposit categories.  For the three months ended March 31, 2026, net interest income increased 10.7% year over year to $44.7 million, supported by the ongoing asset repricing across our loan portfolio at higher yields and effective execution of deposit pricing strategies, which together more than offset competitive pressures on deposit pricing.  For the three months ended March 31, 2026, net interest margin expanded to 2.84% from 2.64% in the prior year period, driven by enhanced asset yields and disciplined deposit pricing strategies.  This resulted in first quarter 2026 net income of $16.3 million, or $0.91 diluted earnings per share, compared to net income of $14.3 million, or $0.75 diluted earnings per share, for the first quarter 2025.  Loan balances expanded throughout the quarter, with total average loans increasing $158.9 million for the first quarter 2026 over the same period in 2025.  Following this period of sustained growth, TrustCo remains confident in the quality of its loan portfolio amid broader market concerns.  We believe that our continued focus on solid underwriting within our loan portfolio and conservative lending standards positions us to manage credit risk effectively in the current environment.

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Overview

Chairman, President, and CEO, Robert J. McCormick said “Our shareholders can be proud of the net income of $16.3 million we posted for the quarter, a 14% increase year-over-year.  As expected, this performance is due in significant part to repricing in our loan portfolio, which now exceeds $5.29 billion.  Our trademark discipline with respect to deposit pricing resulted in a 4% year-over-year improvement in interest expense.  Together, these successes contributed to margin expansion of 7.6% over the year.  Nonperforming loans remain immaterial as we continue to prioritize high-quality credit and maintain a clean asset profile, while reaching another all-time high in our loan portfolio.  Over the latest one-year period, our share price is up $13 and while we realize that market valuation is always a moving target, delivering a 49% total return with dividends reinvested represents substantial value creation for our owners and is a testament to the effectiveness our team’s strategy.”

Details

We have continued to see meaningful net interest income improvement, and management expects net interest income improvement to remain sustainable.  The Bank’s loan and investment portfolios continue to reprice upward as lower yielding assets mature and are replaced with higher rate loan originations and investment purchases, driving steady improvement in overall asset yields.  We believe that this ongoing repricing reflects disciplined loan production aligned with current market conditions. Complementing this, the Bank maintains a strong liquidity position, providing flexibility to support future growth as funding conditions continue to evolve.  We believe that, together, these factors position the Bank to continue net interest income growth in the coming quarters and deliver long-term value to shareholders.  Net interest income was $44.7 million for the first quarter of 2026, an increase of $4.3 million, or 10.7%, compared to the first quarter of 2025, driven by loan growth at higher interest rates, and a decrease