TrustCo Bank Corp NY2026 Annual Meeting of Shareholders Robert J. McCormick Chairman, President, and CEO

State of the Bank Highly Profitable and Effectively Managed Debt Free Deploying Capital Efficient Liquid Valuable Engaged Your Home Town Bank is:

Highly Profitable and Effectively Managed TrustCo’s Increasing NIM since Q1 2024 has been driven by effective loan repricing at higher yields and disciplined management of deposit costs 2025 Net Income: $61 Million

Deploying Capital TrustCo Share Repurchases: Current repurchase program began in 2019 One-million shares, or 5.3% of the outstanding shares in 2025 Two-million shares, or 11.1% of the outstanding shares, approved for 2026 Total shares repurchased since 2019 = 1,994,667 Dividends: TrustCo increased its dividend to shareholders by 5.6%, to $1.52 per share annually, during 2025 Dividends per share have increased 15.8% since 2016

Efficient Holding expense nearly flat while the loan portfolio reprices upward yields increasing net interest income

Investment Portfolio Mix Liquidity Strategy: TrustCo maintains a high level of federal funds and short-term investments, which generated $6.6 million in interest income in Q4 2025 alone, reflecting a strategy of keeping capital ready for its primary focus: residential lending Residential Mortgage-Backed Securities (MBS) & CMOs: Represents the largest segment of the portfolio, generating approximately $1.5 million in quarterly interest income U.S. Government-Sponsored Enterprises (Agency Bonds): A core component providing safety and liquidity, yielding about $350,000 in interest income Corporate Bonds: A smaller, diversifying segment of the portfolio contributing $536,000 in quarterly interest Asset Quality: The investment portfolio is strictly investment grade *Balances and income as of December 31, 2025 Liquid 69% CASH

TRST’s share price grew 51.58% outpacing the KBW Nasdaq Regional Bank Index by over 25%, and the S&P 600 Banks Index by 20% from April 2025 to April 2026. Valuable TRST Stock Performance versus Bank Indices April 2025 May June July August September October November December January February March April 2026 Source – S&P

We are engaged and listening! 25 Top holders invited 35 Percent of Shares Reached 100 Percent of Owners Expressing Interest Engaged 90+ Average Percent of Owners Voting to Support Board and Management 2026 Annual Meeting Results: A Literal Vote of Confidence!

Bob Leonard to Retire after 40 Years Corporate Secretary: 2003-2006 and 2009-2016

Questions? Thank you for attending!

11 Peer Group Institution Ticker City State Arrow Financial Corp. AROW Glens Falls NY BCB Bancorp Inc. BCBP Bayonne NJ Capital City Bank Group Inc. CCBG Tallahassee FL CNB Financial CCNE Clearfield PA Columbia Financial CLBK Fair Lawn NJ ConnectOne Bancorp Inc. CNOB Englewood Cliffs NJ Financial Institutions Inc. FISI Warsaw NY FineMark Holdings, Inc. FNBT Fort Myers FL First Commonwealth Financial FCF Indiana PA Flushing Financial Corp. FFIC Uniondale NY HarborOne Bancorp Inc HONE Brockton MA Kearny Financial Corp. KRNY Fairfield NJ Mid Penn Bancrop MPB Millersburg PA NBT Bancorp Inc. NBTB Norwich NY Northfield Bancorp NFBK Woodbridge NJ S&T Bancorp STBA Indiana PA The First Long Island Corp. FLIC Glen Head NY Tompkins Financial Corporation TMP Ithaca NY Univest Financial Corp. UVSP Souderton PA

Appendix A Forward-Looking Statements All statements in this presentation 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 development, results or periods. Examples of forward-looking statements include, among others, statements we make regarding our expectations for our future performance, including our expectations regarding future profitability, future management, future share repurchases, and future investment strategy. 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. Such forward-looking statements are subject to factors and uncertainties that could cause actual results to differ materially for TrustCo from the views, beliefs and projections expressed in such statements. TrustCo wishes to caution readers not to place undue reliance on any such forward-looking statements, which speak only as of the date made. The following important factors, among others, in some cases have affected and in the future could affect TrustCo’s actual results and could cause TrustCo’s actual financial performance to differ materially from that expressed in any forward-looking statement: future changes in interest rates; external economic factors, such as changes in monetary policy, ongoing inflationary pressures and continued elevated prices; exposure to credit risk in our lending activities; the risk of weakness in residential real estate markets; our increasing commercial loan portfolio; the sufficiency of our allowance for credit losses on loans to cover actual loan losses; our ability to meet the cash flow requirements of our depositors or borrowers or meet our operating cash needs to fund corporate expansion and other activities; claims and litigation pertaining to fiduciary responsibility and lender liability; the enforcement of federal cannabis laws and regulations and its impact on our ability to provide services in the cannabis industry; our dependency upon the services of the management team; our disclosure controls and procedures’ ability to prevent or detect errors or acts of fraud; the adequacy of our business continuity and disaster recovery plans; the effectiveness of our risk management framework; the impact of any expansion by us into new lines of business or new products and services; the rising popularity of alternative financial products, including fintech platforms, cryptocurrencies, money market funds, and digital wallets; an increase in the prevalence of fraud and other financial crimes; the impact of severe weather events and climate change on us and the communities we serve, including societal responses to climate change; environmental, social and governance risks and their impact on our reputation and relationships; the chance of a prolonged economic downturn, especially one affecting our geographic market area; instability in global economic conditions and geopolitical matters, including as a result of the conflict between the United States (U.S.) and Iran, as well as volatility in financial markets; the chance of a downgrade in the credit rating of the U.S. government or a default by the U.S. government; the soundness of other financial institutions; U.S. government shutdowns; fluctuations in the trust wealth management fees we receive as a result of investment performance; the impact of regulatory capital rules on our growth; changes in laws and regulations, including changes in cybersecurity or privacy regulations; our compliance with laws designed to protect consumers, including the CRA and fair lending laws; restrictions on data collection and use; our compliance with the USA PATRIOT Act, Bank Secrecy Act, and other laws and regulations that could result in material fines or sanctions; changes in tax laws; limitations on our ability to pay dividends; TrustCo Realty Corp.’s ability to qualify as a real estate investment trust; changes in accounting standards; competition within our market areas; consumers and businesses’ use of non-banks to complete financial transactions; our reliance on third-party service providers; the impact of data breaches and cyber-attacks; the development and use of artificial intelligence; the impact of a failure in or breach of our operational or security systems or infrastructure, or those of third parties; the impact of an unauthorized disclosure of sensitive or confidential client or customer information; the impact of interruptions in the effective operation of our computer systems; the impact of anti-takeover provisions in our organizational documents; the impact of the manner in which we allocate capital; the impact of the actions of activist shareholders; and other risks and uncertainties set forth in our public filings made with the Securities and Exchange Commission (the “SEC”), including our Annual Report on Form 10-K for the year ended December 31, 2025, our Quarterly Report on Form 10-Q for the quarter ended March 31, 2026, and future reports to be filed with the SEC. The forward-looking statements contained in this presentation represent TrustCo management’s judgment as of the date of this presentation. 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.