TrustCo Bank Corp NY
TrustCo Bank Corp NY operates as the holding company for Trustco Bank that provides personal and business banking services to individuals and businesses. It accepts deposits; and offers loans and investments. The company also operates as a real estate investment trust that acquires, holds, and manages real estate mortgage assets, including residential mortgage loans and mortgage-backed securities… Read more
TrustCo Bank Corp NY - Asset Resilience Ratio
TrustCo Bank Corp NY (TRST) has an Asset Resilience Ratio of 4.82% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how TrustCo Bank Corp NY's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down TrustCo Bank Corp NY's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $310.42 Million | 4.82% |
| Total Liquid Assets | $310.42 Million | 4.82% |
Asset Resilience Insights
- Limited Liquidity: TrustCo Bank Corp NY maintains only 4.82% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
TrustCo Bank Corp NY Industry Peers by Asset Resilience Ratio
Compare TrustCo Bank Corp NY's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for TrustCo Bank Corp NY (2000–2025)
The table below shows the annual Asset Resilience Ratio data for TrustCo Bank Corp NY.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 4.82% | $310.42 Million | $6.44 Billion | +0.06pp |
| 2024-12-31 | 4.76% | $297.16 Million | $6.24 Billion | -2.57pp |
| 2023-12-31 | 7.33% | $452.29 Million | $6.17 Billion | -0.69pp |
| 2022-12-31 | 8.03% | $481.51 Million | $6.00 Billion | +1.45pp |
| 2021-12-31 | 6.58% | $407.71 Million | $6.20 Billion | -0.86pp |
| 2020-12-31 | 7.44% | $439.07 Million | $5.90 Billion | -3.55pp |
| 2019-12-31 | 10.99% | $573.82 Million | $5.22 Billion | +0.88pp |
| 2018-12-31 | 10.11% | $501.46 Million | $4.96 Billion | -1.54pp |
| 2017-12-31 | 11.65% | $571.97 Million | $4.91 Billion | -1.09pp |
| 2016-12-31 | 12.74% | $620.36 Million | $4.87 Billion | +0.05pp |
| 2015-12-31 | 12.69% | $601.04 Million | $4.73 Billion | -1.88pp |
| 2014-12-31 | 14.57% | $676.76 Million | $4.64 Billion | -4.53pp |
| 2013-12-31 | 19.10% | $863.75 Million | $4.52 Billion | -1.88pp |
| 2012-12-31 | 20.98% | $912.09 Million | $4.35 Billion | -0.43pp |
| 2011-12-31 | 21.41% | $908.72 Million | $4.24 Billion | +11.29pp |
| 2010-12-31 | 10.12% | $400.18 Million | $3.95 Billion | +7.38pp |
| 2009-12-31 | 2.73% | $100.64 Million | $3.68 Billion | -3.19pp |
| 2008-12-31 | 5.92% | $207.68 Million | $3.51 Billion | -2.57pp |
| 2007-12-31 | 8.49% | $286.76 Million | $3.38 Billion | +0.79pp |
| 2006-12-31 | 7.70% | $243.45 Million | $3.16 Billion | -1.13pp |
| 2005-12-31 | 8.83% | $257.20 Million | $2.91 Billion | -13.59pp |
| 2004-12-31 | 22.42% | $642.21 Million | $2.86 Billion | +9.64pp |
| 2003-12-31 | 12.79% | $355.26 Million | $2.78 Billion | -7.32pp |
| 2002-12-31 | 20.11% | $542.12 Million | $2.70 Billion | +6.98pp |
| 2001-12-31 | 13.13% | $338.45 Million | $2.58 Billion | +0.93pp |
| 2000-12-31 | 12.19% | $299.49 Million | $2.46 Billion | -- |