UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT PURSUANT
TO SECTION 13 OR 15(D) OF THE
SECURITIES EXCHANGE ACT OF 1934

Date of Report (date of earliest event reported):  July 10, 2025

TrustCo Bank Corp NY
(Exact name of registrant as specified in its charter)

New York
0-10592
14-1630287
State or Other Jurisdiction of Incorporation or Organization
Commission File No.
I.R.S. Employer Identification
 Number

5 SARNOWSKI DRIVE, GLENVILLE, NEW YORK 12302
(Address of principal executive offices)

(518) 377-3311
(Registrant’s Telephone Number,
Including Area Code)

NOT APPLICABLE
(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

  ☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

  ☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

  ☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

  ☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

 
Title of each class
  
Trading Symbol(s)
  
Name of each exchange on which registered
  Common Stock, $1.00 par value
   TRST
   Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

TrustCo Bank Corp NY
 
Item 8.01.
Other Events
 
A press release was issued on July 10, 2025 announcing that TrustCo Bank Corp NY would be releasing second quarter 2025 financial results on July 21, 2025 and holding a conference call to discuss the results on July 22, 2025.  Attached is a copy of the press release labeled as Exhibit 99(a).
 
Item 9.01.
Financial Statements and Exhibits
 
 
(d)
Exhibits
 
Reg S-K Exhibit No.
Description
   
Press release dated July 10, 2025 announcing that TrustCo Bank Corp NY would be releasing second quarter 2025 financial results on July 21, 2025 and holding a conference call to discuss the results on July 22, 2025.
   
104
Cover Page Interactive Data File – the cover page XBRL tags are embedded within the Inline XBRL document.

-2-
SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

Dated: July 10, 2025
  
   
 
TrustCo Bank Corp NY
 
(Registrant)
   
 
By: 
/s/ Michael M. Ozimek
 
Michael M. Ozimek
 

Executive Vice President and
 
Chief Financial Officer


-3-
Exhibit 99(a)


News Release

5 Sarnowski Drive, Glenville, New York, 12302  
     
 
 Subsidiary:  Trustco Bank   
NASDAQ -- TRST
       
  Contact: Robert Leonard  
    Executive Vice President  
    (518) 381-3693  

 TrustCo to Release Second Quarter
2025 Results on July 21, 2025;
Conference Call on July 22, 2025
 
FOR IMMEDIATE RELEASE:
 
Glenville, New York – July 10, 2025
 
TrustCo Bank Corp NY (TrustCo, Nasdaq: TRST) today announced that it will release second quarter 2025 results after the market close on July 21, 2025.  Results are released on the 21st of the reporting months (January, April, July and October), or on the next day that equity markets are open if the 21st falls on a Friday, weekend or holiday.  A conference call to discuss the results will be held at 9:00 a.m. Eastern Time on July 22, 2025.  Those wishing to participate in the call may dial toll-free for the United States at 1-833-470-1428, and for Canada at 1-833-950-0062, Access code 258501.  A replay of the call will be available for thirty days by dialing toll-free for the United States at 1-866-813-9403, Access code 410483.
 
The call will also be audio webcast at https://events.q4inc.com/attendee/979003710, and will be available for one year.  The earnings press release will be posted on the Company’s Investor Relations website at: https://trustcobank.q4ir.com/corporate-overview/corporate-profile/default.aspx.  Other information, including the Company’s most recent annual report, proxy statement and filings with the Securities and Exchange Commission can also be found at this website.
 
TrustCo Bank Corp NY is a $6.3 billion savings and loan holding company and through its subsidiary, Trustco Bank, operates 136 offices in New York, New Jersey, Vermont, Massachusetts, and Florida.  For more information, visit www.trustcobank.com.
 
In addition, the Bank’s Wealth Management Department offers a full range of investment services, retirement planning and trust and estate administration services.
 
The common shares of TrustCo are traded on The NASDAQ Global Select Market under the symbol TRST.
 
Forward-Looking Statements
 
All statements in this news release that are not historical are forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995.  Forward-looking statements can be identified by words such as "anticipate," "intend," "plan," "goal," "seek," "believe," "project," "estimate," "expect," "strategy," "future," "likely," "may," "should," "will" and similar references to future developments, results or periods. TrustCo wishes to caution readers not to place undue reliance on any such forward-looking statements, which speak only as of the date made, and such forward-looking statements are subject to factors and uncertainties that could cause actual results to differ materially for TrustCo from the views, beliefs and projections expressed in such statements. Examples of these include, but are not limited to: volatility in financial markets and the soundness of other financial institutions; U.S. government shutdowns, credit rating downgrades, or failure to increase the debt ceiling; changes in interest rates; the effects of inflation and inflationary pressures and changes in monetary and fiscal policies and laws, including changes in the Federal funds target rate by, and interest rate policies of, the Federal Reserve Board; ongoing armed conflicts (including the Russia/Ukraine conflict and the conflict in Israel and surrounding areas); the risks and uncertainties under the heading “Risk Factors” in our most recent annual report on Form 10-K and, if any, in our subsequent quarterly reports on Form 10-Q; the other financial, operational and legal risks and uncertainties detailed from time to time in TrustCo’s cautionary statements contained in its filings with the Securities and Exchange Commission; and the effect of all of such items on our operations, liquidity and capital position, and on the financial condition of our borrowers and other customers.  The forward-looking statements contained in this news release represent TrustCo management’s judgment as of the date of this news release. TrustCo disclaims, however, any intent or obligation to update forward-looking statements, either as a result of future developments, new information or otherwise, except as may be required by law.