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Regulatory Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2025

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, 2025 and 2024, for Trustco Bank:

														Minimum for
														Capital Adequacy plus
		As of December 31, 2025								Well				Capital Conservation
(dollars in thousands)		Amount				Ratio				Capitalized⁽¹⁾				Buffer⁽¹⁾⁽²⁾

Tier 1 leverage ratio		$	513,719				8.058	%			5.000	%			4.000	%
Common equity Tier 1 capital			513,719				13.981				6.500				7.000
Tier 1 risk-based capital			513,719				13.981				8.000				8.500
Total risk-based capital			559,750				15.234				10.000				10.500

														Minimum for
														Capital Adequacy plus
		As of December 31, 2024								Well				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

The following is a summary of actual capital amounts and ratios as of December 31, 2025 and 2024 for TrustCo on a consolidated basis.

										Minimum for
										Capital Adequacy plus
		As of December 31, 2025								Capital Conservation
(dollars in thousands)		Amount				Ratio				Buffer⁽¹⁾⁽²⁾

Tier 1 leverage ratio		$	676,012				10.601	%			4.000	%
Common equity Tier 1 capital			676,012				18.393				7.000
Tier 1 risk-based capital			676,012				18.393				8.500
Total risk-based capital			722,055				19.646				10.500

										Minimum for
										Capital Adequacy plus
		As of December 31, 2024								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

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

(2)	The December 31, 2025 and 2024 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent.