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{"created_at":"2026-04-22T03:03:32.063 {"created_at":"2026-04-22T03:03:32.063787+00:00","dedupe_key":"signal_enriched:discovery_sec_filing_delta:b9a00a0f10b15ece","evidence_event_ids":["evt_f850eee4d6f9"],"signal_type":"discovery_sec_filing_delta","source":"discovery_sec_filings","value":{"aggregator_url":"https://www.sec.gov/Archives/edgar/data/357301/0001140361-26-015892.txt","as_of":"2026-04-22T03:03:32.063787+00:00","canonical_url":"https://www.sec.gov/Archives/edgar/data/357301/0001140361-26-015892.txt","company":"TRUSTCO BANK CORP N Y","enrichment":{"aggregator_url":"https://www.sec.gov/Archives/edgar/data/357301/0001140361-26-015892.txt","article_chars":5000,"article_truncated":true,"blocked_reason":null,"candidate_id":"sc_938d16faa1646c79","canonical_host":"sec.gov","canonical_is_aggregator":false,"canonical_url":"https://www.sec.gov/Archives/edgar/data/357301/0001140361-26-015892.txt","content_type":"text/plain","enriched_at":"2026-04-22T03:18:22.320654+00:00","extraction_method":"trafilatura","fetched_description":"","fetched_title":"","final_url":"https://www.sec.gov/Archives/edgar/data/357301/0001140361-26-015892.txt","html_truncated":true,"paywall_likely":false,"publisher_domain":"sec.gov","publisher_resolution":"canonical_url","requested_url":"https://www.sec.gov/Archives/edgar/data/357301/0001140361-26-015892.txt","source_event_id":"evt_f850eee4d6f9","source_quality":"high","status_code":200,"version":"signal_enrichment_v2"},"form_type":"8-K","fp":"5ba71e2f9a7dcf37","kind":"sec_filing","published_at":"20260421","publisher_domain":"sec.gov","signal_understanding":{"analysis_basis":"article","claim_confidence":0.86,"dates_mentioned":["2026-04-21","2026-04-22","2026-03-31","2025-03-31"],"entities":[{"asset_class":"equity","name":"TrustCo Bank Corp NY","relevance":"high","symbol":"TRST","type":"issuer"},{"asset_class":"other","name":"NASDAQ","relevance":"medium","symbol":"TRST","type":"exchange"},{"asset_class":"other","name":"Robert J. McCormick","relevance":"medium","symbol":"","type":"person"},{"asset_class":"other","name":"Lauren A. McCormick","relevance":"low","symbol":"","type":"person"}],"event_type":"earnings","information_gaps":["The provided text does not specify which exact 8-K Item(s) were triggered (item_hints/material_items are empty).","The excerpt includes a truncated phrase near the end: \"Interest rates and sel\"; any additional disclosures after that are not present.","The signal context mentions loan and deposit growth, but the excerpt does not provide specific deposit growth figures.","No prior-known state is included in the prompt, so the exact delta versus previously known disclosures cannot be determined from the provided information alone."],"key_facts":["Form 8-K filed for TrustCo Bank Corp NY with Exhibit 99(a) containing an executive/press release dated April 21, 2026.","For the three months ended March 31, 2026, net interest income increased 10.7% year over year to $44.7 million.","Net interest margin expanded to 2.84% from 2.64% in the prior-year period.","First quarter 2026 net income was $16.3 million, or $0.91 diluted earnings per share, compared with $14.3 million, or $0.75 diluted EPS, for first quarter 2025.","Average loans increased $158.9 million (3.1%) in first quarter 2026 vs. the same period in 2025.","Average residential loans increased $93.2 million (2.1%) and average HECLs increased $50.8 million (12.3%) in first quarter 2026 vs. the same period in 2025.","Average commercial loans increased $17.1 million (5.8%) in first quarter 2026 vs. the same period in 2025.","The yield on interest earning assets increased to 4.23% in first quarter 2026 from 4.13% in first quarter 2025.","The cost of interest bearing liabilities decreased to 1.79% in first quarter 2026 from 1.92% in first quarter 2025.","The release states nonperforming loans remain immaterial.","The release states the Bank increased reserves modestly to reflect a more cautious economic outlook.","Management states it expects net interest income improvement to remain sustainable and attributes this to ongoing repricing as lower-yielding assets mature and are replaced with higher-rate originations/purchases."],"numeric_claims":[{"label":"Net interest income (Q1 2026)","value":"$44.7 million"},{"label":"Net interest income YoY change","value":"10.7%"},{"label":"Net interest margin (Q1 2026)","value":"2.84%"},{"label":"Net interest margin prior-year (Q1 2025)","value":"2.64%"},{"label":"Net income (Q1 2026)","value":"$16.3 million"},{"label":"Diluted EPS (Q1 2026)","value":"$0.91"},{"label":"Net income (Q1 2025)","value":"$14.3 million"},{"label":"Diluted EPS (Q1 2025)","value":"$0.75"},{"label":"Average loans increase (Q1 2026 vs Q1 2025)","value":"$158.9 million (3.1%)"},{"label":"Average residential loans increase","value":"$93.2 million (2.1%)"},{"label":"Average HECLs increase","value":"$50.8 million (12.3%)"},{"label":"Average commercial loans increase","value":"$17.1 million (5.8%)"},{"label":"Interest earnings asset yield (Q1 2026)","value":"4.23%"},{"label":"Interest earnings asset yield (Q1 2025)","value":"4.13%"},{"label":"Cost of interest bearing liabilities (Q1 2026)","value":"1.79%"},{"label":"Cost of interest bearing liabilities (Q1 2025)","value":"1.92%"}],"primary_claim":"For the three months ended March 31, 2026, TrustCo reported net income of $16.3 million ($0.91 diluted EPS) and net interest income of $44.7 million (+10.7% YoY) with net interest margin expanding to 2.84% from 2.64%.","relevance_score":0.78,"sentiment":"positive","source_quality":"high","summary":"TrustCo Bank Corp NY (TRST) filed an 8-K on April 21, 2026 (filed on SEC April 22 UTC) with an exhibit containing a press release reporting first-quarter 2026 results. The release highlights higher net interest income and margin expansion driven by loan portfolio repricing and deposit pricing discipline, alongside loan/deposit growth and stable (immaterial) nonperforming loans.","topics":["first quarter 2026 results","net interest income","net interest margin","loan portfolio repricing","deposit pricing","loan and deposit growth","credit quality/reserves","liquidity"]},"source":"sec_edgar","source_domain":"sec.gov","summary":"Form 8-K \u00b7 TRUSTCO BANK CORP N Y \u00b7 Filed 20260421","ticker":"TRST","tickers":["TRST"],"title":"TRST filed 8-K","url":"https://www.sec.gov/Archives/edgar/data/357301/0001140361-26-015892.txt"}}... |