Regulatory Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2023

Regulatory Capital Requirements [Abstract]

Summary of Actual Capital Amounts and Ratios

The following is a summary of actual capital amounts and ratios as of December 31, 2023 and 2022, for Trustco Bank:

	As of December 31, 2023					Well			Minimum for Capital Adequacy plus Capital Conservation
(dollars in thousands)	Amount		Ratio			Capitalized(1)			Buffer(1)(2)
Tier 1 leverage ratio	$	636,327		10.428	%		5.000	%		4.000	%
Common equity Tier 1 capital		636,327		18.280			6.500			7.000
Tier 1 risk-based capital		636,327		18.280			8.000			8.500
Total risk-based capital		679,924		19.532			10.000			10.500

	As of December 31, 2022					Well			Minimum for Capital Adequacy plus Capital Conservation
(dollars in thousands)	Amount		Ratio			Capitalized(1)			Buffer(1)(2)
Tier 1 leverage ratio	$	609,998		10.116	%		5.000	%		4.000	%
Common equity Tier 1 capital		609,998		18.431			6.500			7.000
Tier 1 risk-based capital		609,998		18.431			8.000			8.500
Total risk-based capital		651,462		19.684			10.000			10.500

The following is a summary of actual capital amounts and ratios as of December 31, 2023 and 2022 for TrustCo on a consolidated basis.

	As of December 31, 2023					Minimum for Capital Adequacy plus Capital Conservation
(dollars in thousands)	Amount		Ratio			Buffer(1)(2)
Tier 1 leverage ratio	$	657,968		10.780	%		4.000	%
Common equity Tier 1 capital		657,968		18.896			7.000
Tier 1 risk-based capital		657,968		18.896			8.500
Total risk-based capital		701,577		20.149			10.500

	As of December 31, 2022					Minimum for Capital Adequacy plus Capital Conservation
(dollars in thousands)	Amount		Ratio			Buffer(1)(2)
Tier 1 leverage ratio	$	626,628		10.390	%		4.000	%
Common equity Tier 1 capital		626,628		18.929			7.000
Tier 1 risk-based capital		626,628		18.929			8.500
Total risk-based capital		668,102		20.182			10.500

(1) Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized.

(2) The December 31, 2023 and 2022 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent.