Form 8-K

8-K — TRUSTCO BANK CORP N Y

Accession: 0001140361-26-033567

Filed: 2026-08-18

Period: 2026-08-18

CIK: 0000357301

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Other Events

Item: Financial Statements and Exhibits

Documents

8-K — ef20080589_8k.htm (Primary)

EX-99.(A) — EXHIBIT 99(A) (ef20080589_ex99a.htm)

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8-K

8-K (Primary)

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT PURSUANT

TO SECTION 13 OR 15(D) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): August 18, 2026

TrustCo Bank Corp NY

(Exact name of registrant as specified in its charter)

NEW YORK

000-10592

14-1630287

(State or Other Jurisdiction of Incorporation)

(Commission File No.)

(IRS Employer Identification No.)

5 SARNOWSKI DRIVE,

GLENVILLE, NEW YORK

12302

(Address of Principal Executive Offices)

(Zip Code)

(518) 377-3311

(Registrant’s telephone number, including area code)

NOT APPLICABLE

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following

provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $1.00 par value

TRST

Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2

of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised

financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

TrustCo Bank Corp NY

Item 8.01.

Other Events

On August 18, 2026, TrustCo Bank Corp NY (“TrustCo”) issued a press release announcing that its Board of Directors declared an increased quarterly cash dividend of $0.40

per share, or $1.60 per share on an annualized basis. The declared dividend represents an increase of 5.3% over the prior dividend amount. The dividend will be payable on October 1, 2026 to shareholders of record at the close of business on

September 4, 2026.

A copy of the press release announcing the dividend declaration is attached as Exhibit 99(a) to this report and is incorporated herein by reference.

Item 9.01.

Financial Statements and Exhibits

(c)

Exhibits

Reg S-K Exhibit No.

Description

99(a)

Press release dated August 18, 2026 announcing that the Board of Directors of TrustCo declared a quarterly cash dividend of $0.40 per share.

104

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the

undersigned thereunto duly authorized.

Dated: August 18, 2026

TRUSTCO BANK CORP NY

(Registrant)

By:

/s/ Michael M. Ozimek

Michael M. Ozimek

Executive Vice President and

Chief Financial Officer

EX-99.(A) — EXHIBIT 99(A)

EX-99.(A)

Filename: ef20080589_ex99a.htm · Sequence: 2

Exhibit 99(a)

News Release

5 Sarnowski Drive, Glenville, New York 12302

(518) 377-3311 Fax: (518) 381-3668

Subsidiary: Trustco Bank

Contact:

Robert M. Leonard

Executive Vice President and Chief Operating Officer

(518) 381-3693

TrustCo Increases Dividend 5.3%: Long-Term Commitment to Payouts Supported by

Solid Earnings and Strong Capital Position

More Great News For Our Shareholders

Glenville, New York – August 18, 2026

The Board of Directors of TrustCo Bank Corp NY (TrustCo, Nasdaq: TRST) on August 18, 2026 declared an increased quarterly cash dividend of $0.40 per share, or $1.60 per

share on an annualized basis. The declared dividend represents an increase of 5.3% over the prior dividend amount. The dividend will be payable on October 1, 2026 to shareholders of record at the close of business on September 4, 2026.

Chairman, President, and Chief Executive Officer Robert J. McCormick said: “TrustCo’s commitment to paying a meaningful dividend is legendary – it spans more than a

century. We are very pleased to announce that the company’s earnings and balance sheet management support a capital deployment strategy that simultaneously enables a robust repurchase program and an increase in the already-meaningful quarterly

dividend. Our dividend payout no doubt has played a role in the growth in the company’s share price that we have seen over the past two years and the increase announced today will boost the dividend yield, making the stock even more attractive to

investors. We are optimistic that these factors will work together to further increase our market capitalization.”

About TrustCo Bank Corp NY

TrustCo Bank Corp NY is a $6.5 billion savings and loan holding company and through its subsidiary, Trustco Bank, operated 133 offices in New York, New Jersey, Vermont,

Massachusetts, and Florida as of July 31, 2026.

In addition, the Bank’s Wealth Management Department offers a full range of investment services, retirement planning and trust and estate administration services. The

common shares of TrustCo are traded on the NASDAQ Global Select Market under the symbol TRST.

Forward-Looking Statements

All statements in this news release that are not historical are forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities

Litigation Reform Act of 1995. Forward-looking statements can be identified by words such as “anticipate,” “intend,” “plan,” “goal,” “seek,” “believe,” “project,” “estimate,” “expect,” “strategy,” “future,” “likely,” “may,” “should,” “will” and

similar references to future developments, results or periods. Examples of forward-looking statements include, among others, statements we make regarding our expectations with respect to the impact of the change in dividend yield on the

attractiveness of TrustCo’s stock to investors, as well as the impact of TrustCo’s capital deployment strategy, dividend yield and other factors on its future market capitalization. Forward-looking statements are based on management’s current

expectations as well as certain assumptions and estimates made by, and information available to, management at the time the statements are made. TrustCo wishes to caution readers not to place undue reliance on any such forward-looking statements,

which speak only as of the date made and which are subject to factors and uncertainties that could cause actual results to differ materially for TrustCo from the views, beliefs and projections expressed in or implied by such statements, including but

not limited to, risks and uncertainties relating to future changes in interest rates; external economic factors, such as changes the interest rate policies of the Federal Reserve Board and other changes in monetary policy, as well as ongoing

inflationary pressures and continued elevated prices; exposure to credit risk in our lending activities; the risk of weakness in residential real estate markets; limitations on our ability to pay dividends; the impact of the manner in which we

allocate capital; the risks and uncertainties set forth under the heading “Risk Factors” in our most recent Annual Report on Form 10-K for the year ended December 31, 2025, and, if any, our subsequent Quarterly Reports on Form 10-Q; the financial,

operational and legal risks and uncertainties detailed from time to time in TrustCo’s filings with the Securities and Exchange Commission, including within the cautionary statements contained in such filings; and the effect of all of such items on

our operations, liquidity and capital position, and on the financial condition of our borrowers and other customers. The forward-looking statements contained in this news release represent TrustCo management’s judgment as of the date of this news

release. TrustCo disclaims, however, any intent or obligation to update forward-looking statements, either as a result of future developments, new information or otherwise, except as may be required by law.

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