TrustCo Bank vs Capital City Bank Group
This page compares TrustCo Bank and Capital City Bank Group across business models, financial performance, and market context, presenting neutral, accessible information to help readers understand how the two institutions differ. Educational content, not financial advice.
This page compares TrustCo Bank and Capital City Bank Group across business models, financial performance, and market context, presenting neutral, accessible information to help readers understand how...
Investment Analysis
TrustCo Bank
TRST
Pros
- Reported a 26.3% year-over-year increase in Q3 2025 net income, signalling strong profitability growth.
- Net interest income grew 11.5% year over year in Q3 2025, with net interest margin expanding to 2.79%, reflecting improved asset yields and deposit cost management.
- Continuing share repurchase program with 467,000 shares bought back year-to-date, indicating confidence in valuation and capital allocation.
Considerations
- Future growth score rated low, suggesting potential challenges in sustaining growth momentum.
- Market cap has shown minimal compound annual growth rate over decades, indicating limited long-term market value expansion.
- Revenue growth appears modest with only slight quarterly increases, potentially signalling slower top-line expansion.
Pros
- Capital City Bank Group reported steady revenue growth driven by diversified banking services to both individuals and businesses.
- Maintains a solid capital base and liquidity profile supporting stable operations amid economic fluctuations.
- Focus on regional expansion and loan portfolio diversification positions the bank for incremental growth opportunities.
Considerations
- Exposed to regional economic cyclicality due to concentration in specific markets, increasing sensitivity to local downturns.
- Profitability metrics have shown variability, reflecting execution risks in balancing loan growth with credit quality.
- Faces competitive pressures from larger banks and fintech firms, possibly limiting margin improvement and market share gains.
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Trusted & Regulated
Part of Exinity Group 2015, serving over a million customers globally.
6% Interest on Cash
Earn 6% AER on uninvested cash with daily interest payments.
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