Regulatory Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2024

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, 2024 and 2023, for Trustco Bank:

	As of December 31, 2024						Well			Minimum for Capital Adequacy plus Capital Conservation
(dollars in thousands)	Amount			Ratio			Capitalized(1)			Buffer(1)(2)
Tier 1 leverage ratio		$	652,668		10.618	%		5.000	%		4.000	%
Common equity Tier 1 capital			652,668		18.542			6.500			7.000
Tier 1 risk-based capital			652,668		18.542			8.000			8.500
Total risk-based capital			696,767		19.795			10.000			10.500

	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

The following is a summary of actual capital amounts and ratios as of December 31, 2024 and 2023 for TrustCo on a consolidated basis.

	As of December 31, 2024						Minimum for Capital Adequacy plus Capital Conservation
(dollars in thousands)	Amount			Ratio			Buffer(1)(2)
Tier 1 leverage ratio		$	679,651		11.054	%		4.000	%
Common equity Tier 1 capital			679,651		19.303			7.000
Tier 1 risk-based capital			679,651		19.303			8.500
Total risk-based capital			723,762		20.556			10.500

	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

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

(2) The December 31, 2024 and 2023 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent.