Revenue: As of FY2025 Q3, the actual value is USD 70.72 M.EPS: As of FY2025 Q3, the actual value is USD 0.86.EBIT: As of FY2025 Q3, the actual value is USD -21.8 M.<h3>Segment Revenue</h3><ul><li>Interest and fees on loans: $55,953 thousand for the three months ended September 30, 2025, compared to $52,112 thousand for the same period in 2024. For the nine months ended September 30, 2025, it was $163,960 thousand, compared to $152,576 thousand in 2024.</li><li>Interest and dividends on securities available for sale: $2,527 thousand for the three months ended September 30, 2025, compared to $2,568 thousand for the same period in 2024. For the nine months ended September 30, 2025, it was $7,474 thousand, compared to $8,366 thousand in 2024.</li><li>Interest on federal funds sold and other short-term investments: $7,376 thousand for the three months ended September 30, 2025, compared to $6,174 thousand for the same period in 2024. For the nine months ended September 30, 2025, it was $21,320 thousand, compared to $19,818 thousand in 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net interest income: $43,119 thousand for the three months ended September 30, 2025, compared to $38,671 thousand for the same period in 2024. For the nine months ended September 30, 2025, it was $125,238 thousand, compared to $113,037 thousand in 2024.</li><li>Provision for credit losses: $250 thousand for the three months ended September 30, 2025, compared to $500 thousand for the same period in 2024. For the nine months ended September 30, 2025, it was $1,200 thousand, compared to $1,600 thousand in 2024.</li><li>Net income: $16,258 thousand for the three months ended September 30, 2025, compared to $12,875 thousand for the same period in 2024. For the nine months ended September 30, 2025, it was $45,572 thousand, compared to $37,552 thousand in 2024.</li></ul><h3>Cash Flow</h3><ul><li>Net cash provided by operating activities: $41,133 thousand for the nine months ended September 30, 2025, compared to $45,103 thousand for the same period in 2024.</li><li>Net cash used in investing activities: -$53,258 thousand for the nine months ended September 30, 2025, compared to $4,907 thousand provided by investing activities for the same period in 2024.</li><li>Net cash provided by financing activities: $65,869 thousand for the nine months ended September 30, 2025, compared to -$105,049 thousand used in financing activities for the same period in 2024.</li></ul><h3>Unique Metrics</h3><ul><li>Allowance for credit losses on loans: $51,891 thousand as of September 30, 2025, compared to $50,248 thousand as of December 31, 2024.</li><li>Total loans, net: $5,191,770 thousand as of September 30, 2025, compared to $5,098,058 thousand as of December 31, 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: TrustCo Bank Corp NY aims to maintain a strong focus on its core banking operations, including managing interest rate risks and maintaining a robust loan portfolio. The company plans to continue its efforts in managing credit quality and maintaining a strong allowance for credit losses.</li><li>Non-Core Business: The company does not have significant non-core business activities mentioned in the report. The primary focus remains on traditional banking operations and managing the associated risks.</li></ul>

TrustCo Bank NY | 10-Q: FY2025 Q3 Revenue: USD 70.72 M