HIGHBuilt-inLoan_portfolio
93.8%
consumer residential real estate loans
“10-K Item 1A: 'consumer residential real estate loans represented approximately 93.8% of our total loan portfolio'”
TRST · Concentration risk · 10-K extracted
TrustCo Bank Corp NY (TRST) concentration risks
Updated
The most significant concentration TrustCo Bank Corp NY discloses is consumer residential real estate loans at 93.8%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: TrustCo Bank Corp NY’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 1 disclosed concentration
HIGH1
MEDIUM0
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06TrustCo's concentration is singular but substantial: consumer residential real estate loans make up approximately 93.8% of the bank's total loan portfolio, a share the filing discloses at a high level and characterizes as structural. This is not a customer- or counterparty-specific dependency — it reflects the fundamental composition of TrustCo's lending business rather than reliance on any particular borrower, geography, or single credit relationship. Because residential real estate lending is TrustCo's core business rather than an incidental exposure, this concentration is best understood as a description of the bank's business model rather than an idiosyncratic risk that could be diversified away without changing what TrustCo is. That said, a loan book this heavily weighted toward one asset class means TrustCo's credit performance is closely tied to the health of the residential real estate market and consumer borrower conditions more broadly; a downturn in housing values or consumer credit quality would have a meaningful effect on the portfolio given how little diversification exists elsewhere. With only this single disclosed exposure, TrustCo's concentration profile is straightforward: high share, structural in character, and centered entirely on one asset class.
For the engine’s reasoning on TRST’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| TRST● | TrustCo Bank Corp NY | 1 | 0 | 0 | 1 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.