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Consolidated Statements of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Interest and dividend income:      
Interest and fees on loans $ 220,846 $ 205,600 $ 187,456
Interest and dividends on securities available for sale:      
U. S. government sponsored enterprises 2,159 3,213 2,805
State and political subdivisions 1 1 2
Mortgage-backed securities and collateralized mortgage obligations-residential 6,169 5,760 6,146
Corporate bonds 1,271 1,557 1,987
Small Business Administration-guaranteed participation securities 296 368 437
Other 30 13 10
Total interest and dividends on securities available for sale 9,926 10,912 11,387
Interest on held to maturity securities:      
Mortgage-backed securities and collateralized mortgage obligations-residential 213 254 296
Total interest on held to maturity securities 213 254 296
Federal Home Loan Bank stock 531 604 500
Interest on federal funds sold and other short-term investments 27,900 25,946 26,567
Total interest and dividend income 259,416 243,316 226,206
Interest expense:      
Interest on deposits 89,549 90,586 53,352
Interest on short-term borrowings 894 791 1,009
Total interest expense 90,443 91,377 54,361
Net interest income 168,973 151,939 171,845
Provision for credit losses 1,600 2,000 1,250
Net interest income after provision for credit losses 167,373 149,939 170,595
Noninterest income:      
Trustco Financial Services income 7,855 7,247 6,425
Fees for services to customers 9,532 9,852 10,648
Net gain on equity securities [1] 0 1,383 0
Other 1,558 1,352 1,242
Total noninterest income 18,945 19,834 18,315
Noninterest expense:      
Salaries and employee benefits 48,739 48,149 51,242
Net occupancy expense 18,134 17,820 17,427
Equipment expense 8,019 7,889 7,610
Professional services 6,266 6,675 6,245
Outsourced services 9,752 10,858 10,039
Advertising expense 1,584 1,803 1,878
FDIC and other insurance expense 4,511 4,116 4,300
Other real estate expense, net 719 770 524
Other 7,780 7,647 12,032
Total noninterest expense 105,504 105,727 111,297
Income before income taxes 80,814 64,046 77,613
Income taxes 19,677 15,213 18,967
Net income $ 61,137 $ 48,833 $ 58,646
Earnings per share:      
Basic (in Dollars per share) $ 3.26 $ 2.57 $ 3.08
Diluted (in Dollars per share) $ 3.25 $ 2.57 $ 3.08
[1] Not within the scope of ASC 606.