TrustCo Bank Corp NY (TRST) — Defensive Interval Ratio
TrustCo Bank Corp NY (TRST) has a Defensive Interval Ratio of 1019 days as of March 2026. Defensive assets of $315.43 Million (cash $-, short-term investments $300.75 Million, receivables $14.68 Million) cover 1019 days of daily cash needs of $309.40K/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
TrustCo Bank Corp NY Defensive Interval Ratio (2000–2025)
This chart shows how TrustCo Bank Corp NY's Defensive Interval Ratio has evolved across 26 annual periods from 2000 to 2025. As of March 2026, the ratio stands at 1019 days, meaning defensive assets of $315.43 Million can fund 1019 days of operations without new revenue. For the complete balance sheet picture, see TrustCo Bank Corp NY balance sheet assets.
Annual Defensive Interval Ratio for TrustCo Bank Corp NY (2000–2025)
The table below presents the year-by-year Defensive Interval Ratio for TrustCo Bank Corp NY from 2000 to 2025, covering 26 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See TrustCo Bank Corp NY current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 17 days | $256.73 Million | $15.55 Million/day | $- | $242.90 Million | ▼ -3 days |
| 2024 | 20 days | $297.16 Million | $15.00 Million/day | $- | $297.16 Million | ▼ -11 days |
| 2023 | 30 days | $452.29 Million | $14.90 Million/day | $- | $452.29 Million | ▼ -314 days |
| 2022 | 345 days | $5.17 Billion | $15.00 Million/day | $- | $481.51 Million | ▲ +318 days |
| 2021 | 27 days | $407.71 Million | $15.19 Million/day | $- | $407.71 Million | ▼ -3 days |
| 2020 | 30 days | $439.07 Million | $14.47 Million/day | $- | $439.07 Million | ▼ -15 days |
| 2019 | 45 days | $573.82 Million | $12.68 Million/day | $- | $573.82 Million | ▲ +4 days |
| 2018 | 41 days | $501.46 Million | $12.24 Million/day | $- | $501.46 Million | ▼ -6 days |
| 2017 | 47 days | $571.97 Million | $12.19 Million/day | $- | $571.97 Million | ▼ -4 days |
| 2016 | 51 days | $620.36 Million | $12.15 Million/day | $- | $620.36 Million | ▲ +0 days |
| 2015 | 51 days | $601.04 Million | $11.84 Million/day | $- | $601.04 Million | ▼ -7 days |
| 2014 | 58 days | $676.76 Million | $11.65 Million/day | $- | $676.76 Million | ▼ -18 days |
| 2013 | 76 days | $863.75 Million | $11.40 Million/day | $- | $863.75 Million | ▼ -8 days |
| 2012 | 83 days | $912.09 Million | $10.93 Million/day | $- | $912.09 Million | ▼ -1 days |
| 2011 | 85 days | $908.72 Million | $10.70 Million/day | $- | $908.72 Million | ▲ +45 days |
| 2010 | 39 days | $400.18 Million | $10.14 Million/day | $- | $400.18 Million | ▲ +29 days |
| 2009 | 11 days | $100.64 Million | $9.41 Million/day | $- | $100.64 Million | ▼ -12 days |
| 2008 | 23 days | $207.68 Million | $8.96 Million/day | $- | $207.68 Million | ▼ -10 days |
| 2007 | 34 days | $286.76 Million | $8.53 Million/day | $- | $286.76 Million | ▲ +3 days |
| 2006 | 31 days | $243.45 Million | $7.93 Million/day | $- | $243.45 Million | ▼ -5 days |
| 2005 | 35 days | $257.20 Million | $7.26 Million/day | $- | $257.20 Million | ▼ -55 days |
| 2004 | 90 days | $642.21 Million | $7.14 Million/day | $- | $642.21 Million | ▲ +38 days |
| 2003 | 52 days | $355.26 Million | $6.88 Million/day | $- | $355.26 Million | ▼ -30 days |
| 2002 | 82 days | $542.12 Million | $6.62 Million/day | $- | $542.12 Million | ▲ +28 days |
| 2001 | 53 days | $338.45 Million | $6.33 Million/day | $- | $338.45 Million | ▲ +4 days |
| 2000 | 50 days | $299.49 Million | $6.04 Million/day | $- | $299.49 Million | — |