TrustCo Bank Corp NY (TRST) 10-K 28 Feb 20 2019 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Feb. 24, 2020	Jun. 28, 2019
Cover [Abstract]
Entity Registrant Name	TRUSTCO BANK CORP NY
Entity Central Index Key	0000357301
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Shell Company	false
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Public Float			$ 749
Entity Common Stock, Shares Outstanding		96,801,657
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Document Annual Report	true
Document Transition Report	false
Entity File Number	0-10592
Entity Tax Identification Number	14-1630287
Entity Incorporation, State or Country Code	NY
Entity Address, Address Line One	5 Sarnowski Drive
Entity Address, City or Town	Glenville
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	12302
City Area Code	518
Local Phone Number	377-3311
Title of 12(b) Security	Common Stock, $1.00 Par Value
Trading Symbol	TRST
Security Exchange Name	NASDAQ

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Interest and dividend income:
Interest and fees on loans	$ 166,610	$ 158,304	$ 148,133
Interest and dividends on securities available for sale:
U. S. government sponsored enterprises	3,209	3,112	2,281
State and political subdivisions	8	22	39
Mortgage-backed securities and collateralized mortgage obligations-residential	8,219	6,593	7,447
Corporate bonds	1,096	687	606
Small Business Administration-guaranteed participation securities	1,121	1,339	1,547
Mortgage-backed securities and collateralized mortgage obligations-commercial	0	37	109
Other	22	18	16
Total interest and dividends on securities available for sale	13,675	11,808	12,045
Interest on held to maturity securities:
Mortgage-backed securities and collateralized mortgage obligations-residential	797	962	1,149
Corporate bonds	0	0	410
Total interest on held to maturity securities	797	962	1,559
Federal Reserve Bank and Federal Home Loan Bank stock	568	564	544
Interest on federal funds sold and other short-term investments	10,478	9,276	6,679
Total interest and dividend income	192,128	180,914	168,960
Interest expense:
Interest on deposits	34,853	18,958	13,190
Interest on short-term borrowings	1,468	1,270	1,402
Total interest expense	36,321	20,228	14,592
Net interest income	155,807	160,686	154,368
Provision for loan losses	159	1,400	2,000
Net interest income after provision for loan losses	155,648	159,286	152,368
Noninterest income:
Trustco Financial Services income	6,387	6,283	6,584
Fees for services to customers	10,110	10,912	10,798
Other	2,094	886	991
Total noninterest income	18,591	18,081	18,373
Noninterest expense:
Salaries and employee benefits	46,630	42,107	40,665
Net occupancy expense	16,666	17,213	16,543
Equipment expense	7,068	7,068	6,118
Professional services	6,174	6,555	6,895
Outsourced services	7,600	7,500	6,410
Advertising expense	2,521	3,020	2,578
FDIC and other insurance expense	1,787	2,741	4,179
Other real estate (income) expense, net	(166)	1,231	1,171
Other	9,450	10,278	9,435
Total noninterest expense	97,730	97,713	93,994
Income before income taxes	76,509	79,654	76,747
Income taxes	18,669	18,209	33,602
Net income	$ 57,840	$ 61,445	$ 43,145
Earnings per share:
Basic (in dollars per share)	$ 0.597	$ 0.637	$ 0.449
Diluted (in dollars per share)	$ 0.597	$ 0.636	$ 0.448

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Consolidated Statements of Comprehensive Income [Abstract]
Net income	$ 57,840	$ 61,445	$ 43,145
Net unrealized holding gain (loss) on securities available for sale	14,459	(5,328)	2,524
Tax effect	(3,757)	1,384	(792)
Net unrealized gain (loss) on securities available for sale, net of tax	10,702	(3,944)	1,732
Change in overfunded position in pension and postretirement plans arising during the year	5,967	(3,684)	3,824
Tax effect	(1,550)	957	(812)
Change in overfunded position in pension and postretirement plans arising during the year, net of tax	4,417	(2,727)	3,012
Amortization of net actuarial gain	(274)	(556)	(289)
Amortization of prior service (benefit) cost	(197)	(100)	90
Tax effect	122	170	(100)
Amortization of net actuarial gain and prior service credit on pension and postretirement plans, net of tax	(349)	(486)	(299)
Other comprehensive income (loss), net of tax	14,770	(7,157)	4,445
Comprehensive income	$ 72,610	$ 54,288	$ 47,590

Consolidated Statements of Cond

Consolidated Statements of Condition - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 48,198	$ 49,260
Federal funds sold and other short term investments	408,648	454,449
Total cash and cash equivalents	456,846	503,709
Securities available for sale	573,823	501,463
Held to maturity securities ($19,680 and $22,924 fair value at December 31, 2019 and 2018, respectively)	18,618	22,501
Federal Reserve Bank and Federal Home Loan Bank stock	9,183	8,953
Loans, net of deferred net costs	4,062,196	3,874,096
Less: Allowance for loan losses	44,317	44,766
Net loans	4,017,879	3,829,330
Bank premises and equipment, net	34,622	34,694
Operating lease right-of-use assets	51,475	0
Other assets	58,876	58,263
Total assets	5,221,322	4,958,913
Deposits:
Demand	463,858	405,069
Savings accounts	1,113,146	1,182,683
Interest-bearing checking	875,672	904,678
Money market deposit accounts	599,163	507,311
Time accounts	1,398,177	1,274,506
Total deposits	4,450,016	4,274,247
Short-term borrowings	148,666	161,893
Operating lease liabilities	56,553	0
Accrued expenses and other liabilities	27,830	32,902
Total liabilities	4,683,065	4,469,042
Commitments and contingent liabilities
SHAREHOLDERS' EQUITY:
Capital stock: $1 par value; 150,000,000 shares authorized, 100,204,832 and 100,175,032 shares issued at December 31, 2019 and 2018, respectively	100,205	100,175
Surplus	176,427	176,710
Undivided profits	288,067	256,397
Accumulated other comprehensive income (loss), net of tax	4,461	(10,309)
Treasury stock: 3,283,175 and 3,516,440 shares, at cost, at December 31, 2019 and 2018, respectively	(30,903)	(33,102)
Total shareholders' equity	538,257	489,871
Total liabilities and shareholders' equity	$ 5,221,322	$ 4,958,913

Consolidated Statements of Co_2

Consolidated Statements of Condition (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Held to maturity securities, fair value	$ 19,680	$ 22,924
SHAREHOLDERS' EQUITY:
Capital stock, par value (in dollars per share)	$ 1	$ 1
Capital stock, shares authorized (in shares)	150,000,000	150,000,000
Capital stock, shares issued (in shares)	100,204,832	100,175,032
Treasury stock, at cost (in shares)	3,283,175	3,516,440

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Capital Stock [Member]	Surplus [Member]	Undivided Profits [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2016	$ 99,214	$ 171,425	$ 201,517	$ (6,251)	$ (33,219)	$ 432,686
Net Income	0	0	43,145	0	0	43,145
Change in other comprehensive income (loss), net of tax	0	0	0	4,445	0	4,445
Stock options exercises	784	4,452	0	0	0	5,236
Cash dividend declared	0	0	(25,226)	0	0	(25,226)
Purchase of treasury stock	0	0	0	0	(4,608)	(4,608)
Sale of treasury stock	0	(376)	0	0	2,856	2,480
Stock based compensation expense	0	150	0	0	0	150
Balance at Dec. 31, 2017	99,998	175,651	219,436	(1,806)	(34,971)	458,308
Net Income	0	0	61,445	0	0	61,445
Tax Cuts and Jobs Act of 2017, Reclassification from AOCI to Retained Earnings, Tax Effect	0	0	1,346	(1,346)	0	0
Change in other comprehensive income (loss), net of tax	0	0	0	(7,157)	0	(7,157)
Stock options exercises	177	1,082	0	0	0	1,259
Cash dividend declared	0	0	(25,830)	0	0	(25,830)
Purchase of treasury stock	0	0	0	0	(718)	(718)
Sale of treasury stock	0	(196)	0	0	2,587	2,391
Stock based compensation expense	0	173	0	0	0	173
Balance at Dec. 31, 2018	100,175	176,710	256,397	(10,309)	(33,102)	489,871
Net Income	0	0	57,840	0	0	57,840
Change in other comprehensive income (loss), net of tax	0	0	0	14,770	0	14,770
Stock options exercises	30	155	0	0	0	185
Cash dividend declared	0	0	(26,170)	0	0	(26,170)
Purchase of treasury stock	0	0	0	0	(35)	(35)
Sale of treasury stock	0	(443)	0	0	2,234	1,791
Stock based compensation expense	0	5	0	0	0	5
Balance at Dec. 31, 2019	$ 100,205	$ 176,427	$ 288,067	$ 4,461	$ (30,903)	$ 538,257

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Consolidated Statements of Changes in Shareholders' Equity [Abstract]
Cash dividend declared (in dollars per share)	$ 0.2725	$ 0.2675	$ 0.2625
Purchase of treasury stock (in shares)	4,131	81,940	574,256
Sale of treasury stock (in shares)	237,396	274,671	299,290

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash flows from operating activities:
Net income	$ 57,840	$ 61,445	$ 43,145
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	3,954	4,109	3,816
Amortization of right-of-use asset	5,989	0	0
Net gain on sale of other real estate owned	(1,316)	(613)	(924)
Writedown of other real estate owned	366	769	1,071
Provision for loan losses	159	1,400	2,000
Deferred tax expense (benefit)	1,139	2,556	(183)
Net amortization of securities	2,971	3,147	4,326
Stock based compensation expense	5	173	150
Net (gain) loss on sale of bank premises and equipment	(3)	(1)	43
Decrease in taxes receivable	2,049	1,683	6,124
Decrease (increase) in interest receivable	426	100	(371)
Increase in interest payable	435	487	11
Increase in other assets	(4,013)	(6,386)	(310)
Decrease in operating lease liabilities	(6,093)	0	0
(Increase) decrease in accrued expenses and other liabilities	(110)	(1,229)	2,792
Total adjustments	5,958	6,195	18,545
Net cash provided by operating activities	63,798	67,640	61,690
Cash flows from investing activities:
Proceeds from sales, paydowns and calls of securities available for sale	192,003	78,230	124,624
Purchases of securities available for sale	(262,754)	(61,807)	(83,031)
Proceeds from maturities of securities available for sale	10,052	45,604	5,000
Proceeds from calls and maturities of held to maturity securities	3,710	5,050	17,939
Purchases of Federal Reserve Bank and Federal Home Loan Bank stock	(230)	(174)	(143)
Proceeds from redemptions of Federal Reserve Bank and Federal Home Loan Bank stock	0	0	943
Net increase in loans	(193,283)	(241,149)	(212,028)
Proceeds from dispositions of other real estate owned	5,622	4,071	5,362
Proceeds from dispositions of bank premises and equipment	15	1	63
Purchases of bank premises and equipment	(3,894)	(3,646)	(3,613)
Net cash used in investing activities	(248,759)	(173,820)	(144,884)
Cash flows from financing activities:
Net increase (decrease) in deposits	175,769	100,921	(22,837)
Net change in short-term borrowings	(13,227)	(81,098)	33,585
Proceeds from exercise of stock options and related tax benefits	185	1,259	5,237
Stock based award tax withholding payments	0	(37)	0
Proceeds from sales of treasury stock	1,791	2,391	2,480
Purchases of treasury stock	(35)	(718)	(4,608)
Dividends paid	(26,385)	(25,569)	(25,197)
Net cash provided by (used in) financing activities	138,098	(2,851)	(11,340)
Net decrease in cash and cash equivalents	(46,863)	(109,031)	(94,534)
Cash and cash equivalents at beginning of period	503,709	612,740	707,274
Cash and cash equivalents at end of period	456,846	503,709	612,740
Cash paid during the year for:
Interest paid	35,886	19,741	14,581
Income taxes paid	16,806	16,359	26,127
Non cash investing and financing activities:
Transfer of loans to real estate owned	4,575	2,656	4,487
(Decrease) increase in dividends payable	(215)	261	29
Change in unrealized gain (loss) on securities available for sale - gross of deferred taxes	14,459	(5,328)	2,524
Change in deferred tax effect on unrealized (gain) loss on securities available for sale, net of reclassification adjustment	(3,757)	1,384	(792)
Amortization of net actuarial loss and prior service credit on pension and post retirement plans, gross of deferred taxes	(471)	(656)	(199)
Change in deferred tax effect of amortization of net actuarial loss and prior service credit on pension and post retirement plans	122	170	(100)
Change in overfunded portion of pension and post retirement benefit plans (ASC 715) - gross of deferred taxes	5,967	(3,684)	3,824
Deferred tax effect of change in overfunded portion of pension and post retirement benefit plans (ASC 715)	$ (1,550)	$ 957	$ (812)

Basis of Presentation

Basis of Presentation	12 Months Ended
	Dec. 31, 2019
Basis of Presentation [Abstract]
Basis of Presentation	(1) Basis of Presentation The accounting and financial reporting policies of TrustCo Bank Corp NY (the Company or TrustCo), ORE Subsidiary Corp., Trustco Bank (referred to as Trustco Bank or the Bank), and its wholly owned subsidiaries, Trustco Realty Corporation, Trustco Insurance Agency, Inc., ORE Property, Inc. and its subsidiaries ORE Property One, Inc. and ORE Property Two, Inc. conform to general practices within the banking industry and are in conformity with U.S. generally accepted accounting principles. A description of the more significant policies follows. Consolidation The consolidated financial statements of the Company include the accounts of the subsidiaries after elimination of all significant intercompany accounts and transactions. Use of Estimates The preparation of consolidated financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Securities Available for Sale and Held to Maturity (Debt Securities) Securities available for sale are carried at fair value with any unrealized appreciation or depreciation of value, net of tax, included as an element of accumulated other comprehensive income or loss in shareholders’ equity. Management maintains an available for sale portfolio in order to provide maximum flexibility in balance sheet management. The designation of available for sale is made at the time of purchase based upon management’s intent to hold the securities for an indefinite period of time. These securities, however, are available for sale in response to changes in market interest rates, related changes in liquidity needs, or changes in the availability of and yield on alternative investments. Unrealized losses on securities that reflect a decline in value which is other ‑ ‑ Debt securities that management has the positive intent and ability to hold until maturity are classified as held to maturity and are carried at their remaining unpaid principal balance, net of unamortized premiums or unaccreted discounts. The cost of debt securities is adjusted for amortization of premium and accretion of discount using the interest method. Premiums and discounts on securities are amortized on the interest method over the estimated remaining term of the underlying security without anticipating prepayments, except for mortgage backed securities where prepayments are anticipated. Gains and losses on the sale of securities available for sale are recorded at trade date and determined using the specific identification method. Other-Than-Temporary-Impairment (“OTTI”) A decline in the fair value of any available for sale or held to maturity debt security below cost that is deemed to be other than temporary is charged to earnings and/or accumulated other comprehensive income (loss), resulting in the establishment of a new cost basis of the security. Management evaluates these types of securities for OTTI at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. Additional discussion of OTTI is included in Note 3 of the consolidated financial statements. Federal Reserve Bank (FRB) and Federal Home Loan Bank (FHLB) stock The Bank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Dividends are reported as income. The Bank is also a member of its regional Federal Reserve Bank. FRB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Any dividends received are reported as income. Loans Loans are carried at the principal amount outstanding net of unearned income and unamortized loan fees and costs, which are recognized as adjustments to interest income over the applicable loan term. Interest income on loans is accrued based on the principal amount outstanding. Nonperforming loans include non ‑ ‑ ‑ ‑ ‑ Loan origination fees, net of certain direct origination costs, are deferred and recognized using the level yield method without anticipating prepayments. Allowance for Loan Losses The allowance for loan losses is maintained at a level considered adequate by management to provide for probable incurred loan losses. The allowance is increased by provisions charged against income, while loan losses are charged against the allowance when management deems a loan balance to be uncollectible. Subsequent recoveries, if any, are credited to the allowance. The Company performs an analysis of the adequacy of the allowance on at least a quarterly basis. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations, current economic conditions, past due and charge ‑ A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Additionally, loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings (TDR’s) and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case ‑ ‑ TDR’s are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a TDR is considered to be a collateral dependent loan, the loan is reported at the fair value of the collateral with any charge ‑ ‑ Commercial and commercial real estate loans in non ‑ ‑ The general component of the allowance covers non ‑ ‑ ‑ ‑ The Company’s allowance methodology also includes additional allocation percentages for residential and installment loans in non ‑ ‑ ‑ ‑ The following portfolio segments have been identified: commercial loans, residential real estate loans, and installment loans: Commercial: ‑ Residential real estate: ‑ ‑ Installment: In 2019, the company sold its credit card portfolio. Bank Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed on either the straight ‑ Other Real Estate Owned Assets that are acquired through or instead of foreclosure are initially recorded at fair value less costs to sell. These assets are subsequently accounted for at the lower of cost or fair value less costs to sell. Subsequent write downs and gains and losses on sale are included in noninterest expense. Operating costs after acquisition are also included in noninterest expense. At December 31, 2019 and 2018, there were $1.6 million and $1.7 million, respectively, of other real estate owned included in the category of Other Assets in the accompanying Consolidated Statements of Condition. Income Taxes Deferred taxes are recorded for the future tax consequences of events that have been recognized in the financial statements or tax returns based upon enacted tax laws and rates. Deferred tax assets are recognized subject to management’s judgment that realization is more likely than not. The amount recognized is the largest amount of tax benefit that has a greater than 50% likelihood of being realized on examination. For tax positions not meeting the “more likely than not” test, no benefit is recorded. Dividend Restrictions The Company’s ability to pay dividends to its shareholders is dependent upon the ability of the Bank to pay dividends to the Company. The payment of dividends by the Bank to the Company is subject to continued compliance with minimum regulatory capital requirements and the filing of notices with the Bank’s and the Company’s regulators. The Bank’s primary regulator may disapprove a dividend if: the Bank would be undercapitalized following the distribution; the proposed capital distribution raises safety and soundness concerns; or the capital distribution would violate a prohibition contained in any statue, regulation or agreement between the Bank and a regulator or a condition imposed in a previously approved application or notice. Currently the Bank meets the regulatory definition of a well-capitalized institution. During 2020, the Bank could declare dividends of approximately $96.7 million plus any 2020 net profits retained to the date of the dividend declaration. Benefit Plans The Company has a defined benefit pension plan covering substantially all of its employees. The benefits are based on years of service and the employee’s compensation. This plan was frozen as of December 31, 2006. The Company has a postretirement benefit plan that permits retirees under age 65 to participate in the Company’s medical plan by which retirees pay all of their premiums. Under certain employment contracts with selected executive officers, the Company is obligated to provide postretirement benefits to these individuals once they attain certain vesting requirements. The Company recognized in the Consolidated Statement of Condition the funded status of the pension plan and postretirement benefit plan with an offset, net of tax, recorded in accumulated other comprehensive income (loss). Stock-Based Compensation Plans The Company has stock-based compensation plans for employees and directors. Compensation cost is recognized for stock options and restricted stock awards issued to employees and directors based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options while, for restricted stock awards, the fair value of the Company’s common stock at the date of grant is used. Compensation cost for stock options and restricted stock awards to be settled in stock are recognized over the required service period generally defined as the vesting period. The expense is recognized over the shorter of each award’s vesting period or the retirement date for any awards that vest immediately upon eligible retirement. Awards to be settled in cash based on the fair value of the Company’s stock at vesting are treated as liability based awards. Compensation costs for liability based awards are re ‑ Earnings Per Share Basic earnings per common share is net income divided by the weighted average number of common shares outstanding during the period. All outstanding unvested share ‑ ‑ Segment Reporting The Company’s operations are exclusively in the financial services industry and include the provision of traditional banking services. Management evaluates the performance of the Company based on only one business segment, that of community banking. The Company operates primarily in the geographical region of Upstate New York with branches also in Florida and the mid ‑ Cash and Cash Equivalents The Company classifies cash on hand, cash due from banks, Federal Funds sold, and other short-term investments as cash and cash equivalents for disclosure purposes. Trust Assets Assets under management with the Trustco Financial Services Department are not included in the Company’s consolidated financial statements because Trustco Financial Services holds these assets in a fiduciary capacity. Comprehensive Income (Loss) Comprehensive income (loss) represents the sum of net income and items of other comprehensive income or loss, which are reported directly in shareholders’ equity, net of tax, such as the change in net unrealized gain or loss on securities available for sale and changes in the funded position of the pension and postretirement benefit plans. Accumulated other comprehensive income or loss, which is a component of shareholders’ equity, represents the net unrealized gain or loss on securities available for sale, net of tax and the funded position in the Company’s pension plan and postretirement benefit plans, net of tax. Fair Value of Financial Instruments Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 13. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates.

Balances at Other Banks

Balances at Other Banks	12 Months Ended
	Dec. 31, 2019
Balances at Other Banks [Abstract]
Balances at Other Banks	(2) Balances at Other Banks The Company is required to maintain certain reserves of vault cash and/or deposits with the Federal Reserve Bank. The amount of this reserve requirement, included in cash and due from banks and federal funds sold and other short ‑

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2019
Investment Securities [Abstract]
Investment Securities	(3) Investment Securities (a) Securities available for sale The amortized cost and fair value of the securities available for sale are as follows: (dollars in thousands) December 31, 2019 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 104,895 36 419 104,512 State and political subdivisions 160 2 - 162 Mortgage backed securities and collateralized mortgage obligations - residential 388,537 2,406 1,426 389,517 Corporate bonds 30,164 367 95 30,436 Small Business Administration - guaranteed participation securities 48,991 - 480 48,511 Other 685 - - 685 Total securities available for sale $ 573,432 2,811 2,420 573,823 (dollars in thousands) December 31, 2018 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 154,868 - 2,708 152,160 State and political subdivisions 168 5 - 173 Mortgage backed securities and collateralized mortgage obligations - residential 271,386 53 9,407 262,032 Corporate bonds 30,048 - 110 29,938 Small Business Administration - guaranteed participation securities 58,376 - 1,901 56,475 Other 685 - - 685 Total securities available for sale $ 515,531 58 14,126 501,463 The following table distributes the amortized cost and fair value of debt securities included in the available for sale portfolio as of December 31, 2019, based on the securities’ final maturity. Actual maturities may differ because of securities prepayments and the right of certain issuers to call or prepay their obligations without penalty. Securities not due at a single maturity are shown separately: (dollars in thousands) Amortized Cost Fair Value Due in one year or less $ 10,032 10,081 Due in one year through five years 105,854 105,837 Due after five years through ten years 20,018 19,877 Mortgage backed securities and collateralized mortgage obligations - residential 388,537 389,517 Small Business Administration - guaranteed participation securities 48,991 48,511 $ 573,432 573,823 Gross unrealized losses on securities available for sale and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: (dollars in thousands) December 31, 2019 Less than 12 months 12 months or more Total Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss U.S. government sponsored enterprises $ 19,820 180 74,656 239 94,476 419 Mortgage backed securities and collateralized mortgage obligations - residential 67,322 446 169,169 980 236,491 1,426 Corporate bonds 4,905 95 - - 4,905 95 Small Business Administration - guaranteed participation securities 48,510 480 - - 48,510 480 Total $ 140,557 1,201 243,825 1,219 384,382 2,420 (dollars in thousands) December 31, 2018 Less than 12 months 12 months or more Total Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss U.S. government sponsored enterprises $ 29,870 106 112,291 2,602 142,161 2,708 Mortgage backed securities and collateralized mortgage obligations - residential 1,102 11 259,729 9,396 260,831 9,407 Corporate bonds 14,943 98 9,995 12 24,938 110 Small Business Administration - guaranteed participation securities - - 56,475 1,901 56,475 1,901 Total $ 45,915 215 438,490 13,911 484,405 14,126 The proceeds from calls/paydowns of securities available for sale during 2019, 2018 and 2017 are as follows: (dollars in thousands) Years ended December 31, 2019 2018 2017 Proceeds from calls/paydowns 192,003 78,230 124,624 There were sales or realized gains or losses of available for sale securities in 2019, 2018 and 2017. The amount of securities that have been pledged to secure short-term borrowings and for other purposes amounted to $207.5 million and $205.5 million at December 31, 2019 and 2018, respectively. (b) Held to maturity securities The amortized cost and fair value of the held to maturity securities are as follows: December 31, 2019 (dollars in thousands) Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 18,618 1,062 - 19,680 Total held to maturity $ 18,618 1,062 - 19,680 December 31, 2018 (dollars in thousands) Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 22,501 577 154 22,924 Total held to maturity $ 22,501 577 154 22,924 The following table distributes the debt securities included in the held to maturity portfolio as of December 31, 2019, based on the securities’ final maturity. Actual maturities may differ because of securities prepayments and the right of certain issuers to call or prepay their obligations without penalty. Securities not due at a single maturity date are shown separately. (dollars in thousands) Amortized Cost Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 18,618 19,680 $ 18,618 19,680 There were held to maturity securities in an unrecognized loss position as of December 31, 2019. There were held to maturity securities with a fair value of $ million and a loss of $ thousand, all of which were in a loss position under 12 months as of December 31, 2018. (c) Concentrations The Company has the following balances of securities held in the available for sale and held to maturity portfolios as of December 31, 2019 that represent greater than 10% of shareholders’ equity: (dollars in thousands) Amortized Cost Fair Value Federal National Mortgage Association $ 240,324 239,846 Federal Home Loan Mortgage Corporation 96,989 97,177 Government National Mortgage Association 99,742 101,927 Federal Farm Credit Bureau 54,995 54,757 (d) Other-Than-Temporary-Impairment Management evaluates securities for other-than-temporary impairment (“OTTI”) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. The investment securities portfolio is evaluated for OTTI by segregating the portfolio by type and applying the appropriate OTTI model. In determining OTTI for debt securities, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the Company has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether any other ‑ ‑ When OTTI occurs, the amount of the OTTI recognized in earnings depends on whether management intends to sell the security or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis. If management intends to sell or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis, the OTTI shall be recognized in earnings equal to the entire difference between the investment’s amortized cost basis and its fair value at the balance sheet date. If management does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before recovery of its amortized cost basis, the OTTI on debt securities shall be separated into the amount representing the credit loss and the amount related to all other factors. The amount of the total OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings. The amount of the total OTTI related to other factors is recognized in other comprehensive income, net of applicable taxes. The previous amortized cost basis less the OTTI recognized in earnings becomes the new amortized cost basis of the investment. As of December 31, 2019, the Company’s security portfolio included certain securities which were in an unrealized loss position, and are discussed below. U.S. government sponsored enterprises In the case of unrealized losses on U.S. government sponsored enterprises, because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at December 31, 2019. Mortgage backed securities and collateralized mortgage obligations – residential At December 31, 2019, all mortgage backed securities and collateralized mortgage obligations held by the Company were issued by U.S. government sponsored entities and agencies, primarily Ginnie Mae, Fannie Mae and Freddie Mac, institutions which the government has affirmed its commitment to support. Because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other ‑ ‑ Corporate Bonds At December 31, 2019, corporate bonds held by the Company are investment grade quality. Because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at December 31, 2019. Small Business Administration (SBA) - guaranteed participation securities At December 31, 2019, all of the SBA securities held by the Company were issued and guaranteed by U.S. Small Business Administration. Because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at December 31, 2019. As a result of the above analysis, for the year ended December 31, 2019, the Company did not recognize any other ‑ ‑

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2019
Loans and Allowance for Loan Losses [Abstract]
Loans and Allowance for Loan Losses	(4) Loans and Allowance for Loan Losses The following tables present the recorded investment in loans by loan class: December 31, 2019 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 162,186 17,752 179,938 Other 19,326 235 19,561 Real estate mortgage - 1 to 4 family: First mortgages 2,541,440 953,995 3,495,435 Home equity loans 69,791 18,548 88,339 Home equity lines of credit 221,487 46,435 267,922 Installment 8,706 2,295 11,001 Total loans, net $ 3,022,936 1,039,260 4,062,196 Less: Allowance for loan losses 44,317 Net loans $ 4,017,879 December 31, 2018 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 156,278 15,275 171,553 Other 24,330 263 24,593 Real estate mortgage - 1 to 4 family: First mortgages 2,442,711 845,166 3,287,877 Home equity loans 71,523 17,308 88,831 Home equity lines of credit 243,765 45,775 289,540 Installment 9,462 2,240 11,702 Total loans, net $ 2,948,069 926,027 3,874,096 Less: Allowance for loan losses 44,766 Net loans $ 3,829,330 * Includes New York, New Jersey, Vermont and Massachusetts. At December and the Company had approximately and of real estate construction loans, respectively. Of the in real estate construction loans at December approximately were secured by mortgages to residential borrowers with the remaining were to commercial borrowers for residential construction projects. Of the in real estate construction loans at December approximately were secured by mortgages to residential borrowers with the remaining were to commercial borrowers for residential construction projects. The vast majority of construction loans are in the Company’s New York market. At December and loans to executive officers, directors, and to associates of such persons aggregated and , respectively. During approximately of new loans were made and repayments of loans totaled approximately . The composition of related parties did not change at December All loans are current according to their terms TrustCo lends in the geographic territory of its branch locations in New York, Florida, Massachusetts, New Jersey and Vermont. Although the loan portfolio is diversified, a portion of its debtors’ ability to repay depends significantly on the economic conditions prevailing in the respective geographic territory. The following tables present the recorded investment in non-accrual loans by loan class: December 31, 2019 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 733 - 733 Other 83 - 83 Real estate mortgage - 1 to 4 family: First mortgages 15,385 1,468 16,853 Home equity loans 218 48 266 Home equity lines of credit 2,804 98 2,902 Installment 3 - 3 Total non-accrual loans 19,226 1,614 20,840 Restructured real estate mortgages - 1 to 4 family 29 - 29 Total nonperforming loans $ 19,255 1,614 20,869 December 31, 2018 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 639 - 639 Other 6 - 6 Real estate mortgage - 1 to 4 family: First mortgages 18,202 1,812 20,014 Home equity loans 247 - 247 Home equity lines of credit 3,924 103 4,027 Installment 4 15 19 Total non-accrual loans 23,022 1,930 24,952 Restructured real estate mortgages - 1 to 4 family 34 - 34 Total nonperforming loans $ 23,056 1,930 24,986 * Includes New York, New Jersey, Vermont and Massachusetts. The Company transfers loans to other real estate owned, at fair value less cost to sell, in the period the Company obtains physical possession of the property (through legal title or through a deed in lieu). As of December 31, 2019 and 2018, other real estate owned included $1.2 million and $1.1 million, respectively, of residential foreclosed properties. In addition, non ‑ The following tables present the aging of the recorded investment in past due loans by loan class and by region as of December 31, 2019 and 2018: The following table presents the aging of the recorded investment in past due loans by loan class and by region: December 31, 2019 New York and other states*: 30-59 Days 60-89 Days 90 + Days Total 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ 141 - 617 758 161,428 162,186 Other 80 - 33 113 19,213 19,326 Real estate mortgage - 1 to 4 family: First mortgages 3,444 292 11,328 15,064 2,526,376 2,541,440 Home equity loans 183 7 133 323 69,468 69,791 Home equity lines of credit 232 149 1,141 1,522 219,965 221,487 Installment 37 8 3 48 8,658 8,706 Total $ 4,117 456 13,255 17,828 3,005,108 3,022,936 Florida: 30-59 Days 60-89 Days 90 + Days Total 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - - - - 17,752 17,752 Other - - - - 235 235 Real estate mortgage - 1 to 4 family: First mortgages 542 - 617 1,159 952,836 953,995 Home equity loans 63 - - 63 18,485 18,548 Home equity lines of credit 80 - 50 130 46,305 46,435 Installment - - - - 2,295 2,295 Total $ 685 - 667 1,352 1,037,908 1,039,260 Total: 30-59 Days 60-89 Days 90 + Days Total 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ 141 - 617 758 179,180 179,938 Other 80 - 33 113 19,448 19,561 Real estate mortgage - 1 to 4 family: First mortgages 3,986 292 11,945 16,223 3,479,212 3,495,435 Home equity loans 246 7 133 386 87,953 88,339 Home equity lines of credit 312 149 1,191 1,652 266,270 267,922 Installment 37 8 3 48 10,953 11,001 Total $ 4,802 456 13,922 19,180 4,043,016 4,062,196 * Includes New York, New Jersey, Vermont and Massachusetts. December 31, 2018 New York and other states*: 30-59 Days 60-89 Days 90 + Days Total 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ 198 - 370 568 155,710 156,278 Other - - - - 24,330 24,330 Real estate mortgage - 1 to 4 family: First mortgages 3,276 898 13,267 17,441 2,425,270 2,442,711 Home equity loans 158 94 212 464 71,059 71,523 Home equity lines of credit 963 348 1,691 3,002 240,763 243,765 Installment 44 29 2 75 9,387 9,462 Total $ 4,639 1,369 15,542 21,550 2,926,519 2,948,069 Florida: 30-59 Days 60-89 Days 90 + Days Total 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - - - - 15,275 15,275 Other - - - - 263 263 Real estate mortgage - 1 to 4 family: First mortgages 417 407 721 1,545 843,621 845,166 Home equity loans 50 - - 50 17,258 17,308 Home equity lines of credit 40 - 50 90 45,685 45,775 Installment 12 7 15 34 2,206 2,240 Total $ 519 414 786 1,719 924,308 926,027 Total: 30-59 Days 60-89 Days 90 + Days Total 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ 198 - 370 568 170,985 171,553 Other - - - - 24,593 24,593 Real estate mortgage - 1 to 4 family: First mortgages 3,693 1,305 13,988 18,986 3,268,891 3,287,877 Home equity loans 208 94 212 514 88,317 88,831 Home equity lines of credit 1,003 348 1,741 3,092 286,448 289,540 Installment 56 36 17 109 11,593 11,702 Total $ 5,158 1,783 16,328 23,269 3,850,827 3,874,096 * Includes New York, New Jersey, Vermont and Massachusetts. At December 31, 2019 and 2018, there were no loans that are 90 days past due and still accruing interest. As a result, non ‑ ‑ Activity in the allowance for loan losses by portfolio segment is summarized as follows: For the year ended December 31, 2019 (dollars in thousands) Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 4,048 39,772 946 44,766 Loans charged off: New York and other states* 20 945 165 1,130 Florida - 29 48 77 Total loan chargeoffs 20 974 213 1,207 Recoveries of loans previously charged off: New York and other states* 46 496 21 563 Florida - 36 - 36 Total recoveries 46 532 21 599 Net loans charged off (recoveries) (26 ) 442 192 608 Provision (recoveries) for loan losses (75 ) 418 (184 ) 159 Balance at end of period $ 3,999 39,748 570 44,317 For the year ended December 31, 2018 (dollars in thousands) Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 4,324 39,077 769 44,170 Loans charged off: New York and other states* 100 846 224 1,170 Florida - - 33 33 Total loan chargeoffs 100 846 257 1,203 Recoveries of loans previously charged off: New York and other states* 10 348 32 390 Florida - 3 6 9 Total recoveries 10 351 38 399 Net loans charged off (recoveries) 90 495 219 804 Provision (recoveries) for loan losses (186 ) 1,190 396 1,400 Balance at end of period $ 4,048 39,772 946 44,766 For the year ended December 31, 2017 (dollars in thousands) Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 4,929 38,231 730 43,890 Loans charged off: New York and other states* 72 2,053 200 2,325 Florida - 167 19 186 Total loan chargeoffs 72 2,220 219 2,511 Recoveries of loans previously charged off: New York and other states* 96 596 26 718 Florida - 73 - 73 Total recoveries 96 669 26 791 Net loans charged off (recoveries) (24 ) 1,551 193 1,720 Provision (recoveries) for loan losses (629 ) 2,397 232 2,000 Balance at end of period $ 4,324 39,077 769 44,170 * Includes New York, New Jersey, Vermont and Massachusetts. The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2019 and 2018: December 31, 2019 (dollars in thousands) Commercial Loans 1-to-4 Family Residential Real Estate Installment Loans Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - - - - Collectively evaluated for impairment 3,999 39,748 570 44,317 Total ending allowance balance $ 3,999 39,748 570 44,317 Loans: Individually evaluated for impairment $ 1,437 19,539 - 20,976 Collectively evaluated for impairment 198,062 3,832,157 11,001 4,041,220 Total ending loans balance $ 199,499 3,851,696 11,001 4,062,196 December 31, 2018 (dollars in thousands) Commercial Loans 1-to-4 Family Residential Real Estate Installment Loans Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - - - - Collectively evaluated for impairment 4,048 39,772 946 44,766 Total ending allowance balance $ 4,048 39,772 946 44,766 Loans: Individually evaluated for impairment $ 1,424 20,864 - 22,288 Collectively evaluated for impairment 194,722 3,645,384 11,702 3,851,808 Total ending loans balance $ 196,146 3,666,248 11,702 3,874,096 The Company has identified nonaccrual commercial and commercial real estate loans, as well as all loans restructured under a troubled debt restructuring (TDR), as impaired loans. A loan is considered impaired when it is probable that the borrower will be unable to repay the loan according to the original contractual terms of the loan agreement or the loan is restructured in a TDR. A loan for which the terms have been modified, and for which the borrower is experiencing financial difficulties, is considered a TDR and is classified as impaired. TDR’s at December 31, 2019 and 2018 are measured at the present value of estimated future cash flows using the loan’s effective rate at inception or the fair value of the underlying collateral if the loan is considered collateral dependent. The following tables present impaired loans by loan class as of December 31, 2019 and 2018: December 31, 2019 New York and other states*: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 1,217 1,359 - 1,385 Other 115 115 - 38 Real estate mortgage - 1 to 4 family: First mortgages 14,414 14,714 - 14,358 Home equity loans 235 255 - 241 Home equity lines of credit 2,160 2,300 - 2,274 Total $ 18,141 18,743 - 18,296 Florida: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 105 105 - 82 Other - - - 26 Real estate mortgage - 1 to 4 family: First mortgages 2,486 2,486 - 2,259 Home equity loans - - - 51 Home equity lines of credit 244 244 - 249 Total $ 2,835 2,835 - 2,667 Total: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 1,322 1,464 - 1,467 Other 115 115 - 64 Real estate mortgage - 1 to 4 family: First mortgages 16,900 17,200 - 16,617 Home equity loans 235 255 - 292 Home equity lines of credit 2,404 2,544 - 2,523 Total $ 20,976 21,578 - 20,963 * Includes New York, New Jersey, Vermont and Massachusetts. December 31, 2018 New York and other states*: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 1,274 1,444 - 1,503 Other 38 88 - 123 Real estate mortgage - 1 to 4 family: First mortgages 15,210 15,661 - 15,577 Home equity loans 252 272 - 262 Home equity lines of credit 2,772 2,996 - 2,772 Total $ 19,546 20,461 - 20,237 Florida: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 112 112 - 57 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 2,293 2,399 - 2,455 Home equity loans 84 84 - 86 Home equity lines of credit 253 253 - 326 Total $ 2,742 2,848 - 2,924 Total: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 1,386 1,556 - 1,560 Other 38 88 - 123 Real estate mortgage - 1 to 4 family: First mortgages 17,503 18,060 - 18,032 Home equity loans 336 356 - 348 Home equity lines of credit 3,025 3,249 - 3,098 Total $ 22,288 23,309 - 23,161 * Includes New York, New Jersey, Vermont and Massachusetts. The Company has not committed to lend additional amounts to customers with outstanding loans that are classified as impaired. Interest income recognized on impaired loans was not material in 2019, 2018, and 2017. Included in impaired loans are approximately $11.1 million of loans in accruing status that were identified as TDR’s as of December 31, 2019 and 2018. Management evaluates impairment on impaired loans on a quarterly basis. If, during this evaluation, impairment of the loan is identified, a charge ‑ ‑ The following table presents modified loans by class that were determined to be TDR’s that occurred during the years ended December 31, 2019, 2018 and 2017: Year ended 12/31/2019 Year ended 12/31/2018 Year ended 12/31/2017 New York and other states*: (dollars in thousands) Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Commercial: Commercial real estate 1 $ 125 125 6 $ 747 747 4 $ 426 426 Real estate mortgage - 1 to 4 family: First mortgages 18 2,621 2,621 18 2,349 2,349 44 5,653 5,653 Home equity loans - - - 1 6 6 3 56 56 Home equity lines of credit 2 235 235 5 325 325 18 868 868 Total 21 $ 2,981 2,981 30 $ 3,427 3,427 69 $ 7,003 7,003 Florida: (dollars in thousands) Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Real estate mortgage - 1 to 4 family: First mortgages 6 $ 632 632 1 $ 35 35 10 $ 1,076 1,076 Home equity loans - - - - - - - - - Home equity lines of credit - - - - - - 2 95 95 Total 6 $ 632 632 1 $ 35 35 12 $ 1,171 1,171 * Includes New York, New Jersey, Vermont and Massachusetts. The addition of these TDR’s did not have a significant impact on the allowance for loan losses. The following table presents loans by class modified as TDR’s that occurred during the years ended December 31, 2019, 2018 and 2017 for which there was a payment default within 12 months of modification: Year ended 12/31/2019 Year ended 12/31/2018 Year ended 12/31/2017 New York and other states*: (dollars in thousands) Number of Contracts Recorded Investment Number of Contracts Recorded Investment Number of Contracts Recorded Investment Real estate mortgage - 1 to 4 family: First mortgages 2 $ 418 1 $ 101 1 $ 72 Home equity loans - - - - - - Home equity lines of credit - - - - 1 3 Total 2 $ 418 1 $ 101 2 $ 75 Florida: (dollars in thousands) Number of Contracts Recorded Investment Number of Contracts Recorded Investment Number of Contracts Recorded Investment Real estate mortgage - 1 to 4 family: First mortgages - $ - - $ - - $ - Home equity lines of credit - - - - - - Total - $ - - $ - - $ - * Includes New York, New Jersey, Vermont and Massachusetts. In situations where the Bank considers a loan modification, management determines whether the borrower is experiencing financial difficulty by performing an evaluation of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s underwriting policy. Generally, the modification of the terms of loans was the result of the borrower filing for bankruptcy protection. Chapter 13 bankruptcies generally include the deferral of all past due amounts for a period of generally 60 months in accordance with the bankruptcy court order. In the case of Chapter 7 bankruptcies, even though there is no modification of terms, the borrowers’ debt to the Company was discharged and they may not reaffirm the debt. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. In situations involving a borrower filing for Chapter 13 bankruptcy protection, however, a loan is considered to be in payment default once it is 30 days contractually past due, consistent with the treatment by the bankruptcy court. The TDR’s that subsequently defaulted described above did not have a material impact on the allowance for loan losses as the underlying collateral was evaluated at the time these loans were identified as TDR’s, and a charge ‑ The Company categorizes non-homogenous loans such as commercial and commercial real estate loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. On at least an annual basis, in accordance with the Company’s Loan Policy, the Company analyzes non-homogeneous loans, individually by grading the loans based on credit risk. The loan grades assigned to all loan types are also tested by the Company’s external loan review firm in accordance with the Company’s loan review policy. The Company uses the following definitions for classified loans: Special Mention Substandard Doubtful: Loans not meeting the criteria above that are analyzed individually as part of the above-described process are considered to be pass rated loans. As of December 31, 2019 and 2018, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: December 31, 2019 New York and other states*: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 157,280 4,906 162,186 Other 18,384 942 19,326 $ 175,664 5,848 181,512 Florida: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 17,752 - 17,752 Other 235 - 235 $ 17,987 - 17,987 Total: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 175,032 4,906 179,938 Other 18,619 942 19,561 $ 193,651 5,848 199,499 * Includes New York, New Jersey and Massachusetts. December 31, 2018 New York and other states*: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 151,405 4,873 156,278 Other 23,325 1,005 24,330 $ 174,730 5,878 180,608 Florida: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 15,163 112 15,275 Other 263 - 263 $ 15,426 112 15,538 Total: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 166,568 4,985 171,553 Other 23,588 1,005 24,593 $ 190,156 5,990 196,146 * Includes New York, New Jersey and Massachusetts. Included in classified loans in the above tables are impaired loans of $816 thousand and $645 thousand at December 31, 2019 and 2018, respectively. For homogeneous loan pools, such as residential mortgages, home equity lines of credit, and installment loans, the Company uses payment status to identify the credit risk in these loan portfolios. Payment status is reviewed on a daily basis by the Bank’s collection area and on a monthly basis with respect to determining the adequacy of the allowance for loan losses. The payment status of these homogeneous pools at December 31, 2019 and 2018 is included in the aging of the recorded investment of past due loans table. In addition, the total nonperforming portion of these homogeneous loan pools at December 31, 2019 and 2018 is presented in the recorded investment in non-accrual loans table.

Bank Premises and Equipment

Bank Premises and Equipment	12 Months Ended
	Dec. 31, 2019
Bank Premises and Equipment [Abstract]
Bank Premises and Equipment	(5) Bank Premises and Equipment A summary of premises and equipment at December 31, 2019 and 2018 follows: (dollars in thousands) 2019 2018 Land $ 2,337 $ 2,308 Buildings 36,245 34,969 Furniture, fixtures and equipment 54,245 52,153 Leasehold improvements 32,176 31,906 Total bank premises and equipment 125,003 121,336 Accumulated depreciation and amortization (90,381 ) (86,642 ) Total $ 34,622 $ 34,694 Depreciation and amortization expense was approximately $4.0 million, $4.1 million, and $3.8 million for the years 2019, 2018, and 2017, respectively. Occupancy expense of the Bank’s premises included rental expense of $7.8 million in 2019, $8.0 million in 2018, and $7.8 million in 2017.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2019
Deposits [Abstract]
Deposits	(6) Deposits Interest expense on deposits was as follows: (dollars in thousands) For the year ended December 31, 2019 2018 2017 Interest bearing checking accounts $ 288 442 478 Savings accounts 1,338 1,657 1,729 Time deposits and money market accounts 33,227 16,859 10,983 Total $ 34,853 18,958 13,190 At December 31, 2019, the maturity of total time deposits is as follows: (dollars in thousands) Under 1 year $ 1,268,816 1 to 2 years 114,098 2 to 3 years 8,706 3 to 4 years 3,619 4 to 5 years 2,741 Over 5 years 197 $ 1,398,177 Included in total time deposits as of December 31, 2019 and 2018 is $ 227.6 million and $182.2 million in time deposits with balances in excess of $250,000.

Short-Term Borrowings

Short-Term Borrowings	12 Months Ended
	Dec. 31, 2019
Short-Term Borrowings [Abstract]
Short-Term Borrowings	(7) Short-Term Borrowings Short-term borrowings of the Company were cash management accounts as follows: (dollars in thousands) 2019 2018 2017 Amount outstanding at December 31, $ 148,666 161,893 242,991 Maximum amount outstanding at any month end 169,214 233,522 252,996 Average amount outstanding 159,220 194,810 228,086 Weighted average interest rate: For the year 0.92 % 0.65 0.61 As of year end 0.90 0.95 0.62 Cash management accounts represent retail accounts with customers for which the Bank has pledged certain assets as collateral. Trustco Bank also has an available line of credit with the Federal Home Loan Bank of New York which approximates the balance of securities and/or loans pledged against such borrowings. The line of credit requires securities and/or loans to be pledged as collateral for the amount borrowed. As of December 31, 2019 and 2018, the Company had no outstanding borrowings with the Federal Home Loan Bank of New York. Trustco Bank is approved to borrow on a short-term basis from the Federal Reserve Bank of New York. The Bank can pledge certain securities to the Federal Reserve Bank to support this arrangement. As of December 31, 2019 and 2018, the Bank had no outstanding borrowings and loans with the Federal Reserve Bank of New York.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2019
Income Taxes [Abstract]
Income Taxes	(8) Income Taxes A summary of income tax expense included in the Consolidated Statements of Income follows: (dollars in thousands) For the year ended December 31, 2019 2018 2017 Current tax expense: Federal $ 15,171 13,897 26,510 State 2,359 1,756 2,221 Total current tax expense 17,530 15,653 28,731 Enactment of Federal Tax Reform - - 5,054 Deferred tax expense (benefit) 1,139 2,556 (183 ) Total income tax expense $ 18,669 18,209 33,602 The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2019 and 2018, are as follows: December 31, (dollars in thousands) 2019 2018 Deductible temporary differences Deductible temporary differences Benefits and deferred remuneration $ (5,156 ) $ (5,204 ) Difference in reporting the allowance for loan losses, net 11,385 12,082 Other income or expense not yet reported for tax purposes (314 ) (210 ) Depreciable assets (2,347 ) (1,961 ) Net deferred tax asset at end of year 3,568 4,707 Net deferred tax asset at beginning of year 4,707 7,263 Deferred tax expense $ 1,139 $ 2,556 Deferred tax assets are recognized subject to management’s judgment that realization is more likely than not. Based primarily on the sufficiency of expected future taxable income, management believes it is more likely than not that the remaining deferred tax asset of $3.6 million and $4.7 million at December 31, 2019 and 2018, respectively, will be realized. In addition to the deferred tax items described in the preceding table, the Company has deferred tax assets (liabilities) of ($101) thousand and $3.7 million at December 31, 2019 and 2018, respectively, relating to the net unrealized losses on securities available for sale and deferred tax (liabilities) assets of approximately ($1.4) million and ($200) thousand at December 31, 2019 and 2018, respectively, as a result of changes in the unrecognized overfunded position in the Company’s pension and postretirement benefit plans recorded, net of tax, as an adjustment to accumulated other comprehensive loss. The effective tax rates differ from the statutory federal income tax rate. The reasons for these differences are as follows: For the years ended December 31, 2019 2018 2017 Statutory federal income tax rate 21.0 % 21.0 35.0 Increase/(decrease) in taxes resulting from: Tax exempt income - (0.1 ) (0.1 ) State income tax, net of federal tax benefit 2.6 2.4 1.6 Enactment of Federal Tax Reform - - 6.6 Other items 0.8 (0.4 ) 0.7 Effective income tax rate 24.4 % 22.9 43.8 On a periodic basis, the Company evaluates its income tax positions based on tax laws and regulations and financial reporting considerations, and records adjustments as appropriate. This evaluation takes into consideration the status of taxing authorities’ current examinations of the Company’s tax returns, recent positions taken by the taxing authorities on similar transactions, if any, and the overall tax environment in relation to uncertain tax positions. The Company does not anticipate a material charge to the amount of unrecognized tax benefits in the next twelve months. The Company recognizes interest and/or penalties related to income tax matters in noninterest expense. For the years 2019, 2018, and 2017, these amounts were not material. The Company and its subsidiaries file income tax returns in the U.S. federal jurisdiction as well as in various states. In the normal course of business, the Company is subject to U.S. federal, state, and local income tax examinations by tax authorities. The Company's federal and state income tax returns for the years 2016 2019 Company’s On December 22, 2017 H.R.1, commonly known as the Tax Cuts and Jobs Act (the “Act”), was signed into law. The Act included many provisions that affect our income tax expense, including reducing our federal tax rate from 35% to 21%, effective January 1, 2018. As a result of this rate reduction, we were required to re-measure, through income tax expense in the period of enactment, our deferred tax assets and liabilities using the enacted rate at which we expect them to be recovered or settled. The re ‑ Also on December 22, 2017, the U.S. Securities and Exchange Commission (“SEC”) released Staff Accounting Bulletin No. 118 (“SAB 118”) to address any uncertainty or diversity of views in practice in accounting for the income tax effect of the Act in situations where a registrant did not have the necessary information available, prepared, or analyzed in reasonable detail to complete this accounting in the reporting period that included the enactment date. SAB 118 allowed for a measurement period, not to extend beyond one year of the Act’s enactment date, to complete the necessary accounting. As of December 31, 2018, the Company’s deferred tax liability for temporary differences between the tax and financial reporting bases of fixed assets and the implementation of software updates to process the calculations associated with the Act’s provisions has been completed. This Act’s provision allows for 100% bonus depreciation on fixed assets placed in service after September 27, 2017. The adjustment to the temporary difference between the tax and financial reporting bases of fixed assets resulted in a one-time benefit of $880 thousand. The Company made no adjustments to deferred tax assets representing future deductions for accrued compensation that may be subject to new limitations under Internal Revenue Code Section 162(m) which, generally, limits, the annual deduction for certain compensation paid to certain employees to $1 million. As of December 31, 2017, there was uncertainty regarding how the newly-enacted rules in this area apply to existing contracts. These matters were finalized in 2018 with no material impact to Income tax expense.

Benefit Plans

Benefit Plans	12 Months Ended
	Dec. 31, 2019
Benefit Plans [Abstract]
Benefit Plans	(9) Benefit Plans (a) Retirement Plan The Company maintains a trusteed non-contributory pension plan covering employees that have completed one year of employment and 1,000 hours of service. The benefits are based on the sum of (a) a benefit equal to a prior service benefit plus the average of the employees’ highest five The following tables set forth the plan’s funded status and amounts recognized in the Company’s consolidated statements of condition at December 31, 2019 and 2018: Change in Projected Benefit Obligation: December 31, (dollars in thousands) 2019 2018 Projected benefit obligation at beginning of year $ 28,518 31,219 Service cost 42 34 Interest cost 1,244 1,197 Benefit payments and expected expenses (1,798 ) (1,937 ) Net actuarial loss (gain) 2,818 (1,995 ) Projected benefit obligation at end of year $ 30,824 28,518 Change in Plan Assets and Reconciliation of Funded Status: December 31, (dollars in thousands) 2019 2018 Fair Value of plan assets at beginning of year $ 44,157 47,227 Actual gain (loss) on plan assets 8,902 (1,126 ) Benefit payments and actual expenses (1,795 ) (1,944 ) Fair value of plan assets at end of year 51,264 44,157 Funded status at end of year $ 20,440 15,639 Amounts recognized in accumulated other comprehensive loss consist of the following as of: December 31, 2019 2018 Net actuarial loss $ 1,787 5,122 The accumulated benefit obligation was $30.8 million and $28.5 million at December 31, 2019 and 2018, respectively. Components of Net Periodic Pension Income and Other Amounts Recognized in Other Comprehensive (Loss) Income: For the years ended December 31, (dollars in thousands) 2019 2018 2017 Service cost $ 42 34 42 Interest cost 1,244 1,197 1,303 Expected return on plan assets (2,811 ) (3,012 ) (2,742 ) Amortization of net loss 59 - 67 Net periodic pension credit (1,466 ) (1,781 ) (1,330 ) Amortization of net loss (59 ) - (67 ) Net actuarial (gain) loss included in other comprehensive (loss) income (3,275 ) 2,149 (2,240 ) Total recognized in other comprehensive (loss) income (3,334 ) 2,149 (2,307 ) Total recognized in net periodic benefit (credit) cost and other comprehensive (loss) income $ (4,800 ) 368 (3,637 ) The estimated net loss for the plan that will be amortized from accumulated other comprehensive loss into net periodic benefit income over the next fiscal year is $77 thousand. Estimated Future Benefit Payments The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid: (dollars in thousands) Year Pension Benefits 2020 $ 1,762 2021 1,810 2022 1,793 2023 1,781 2024 1,790 2025 - 2029 9,002 The assumptions used to determine benefit obligations at December 31 are as follows: 2019 2018 2017 Discount rate 3.56 % 4.53 3.93 The assumptions used to determine net periodic pension expense (benefit) for the years ended December 31 are as follows: 2019 2018 2017 Discount rate 4.53 % 3.93 4.41 Expected long-term rate of return on assets 6.50 6.50 6.50 The annual rate assumption used for purposes of computing the service and interest costs components is determined based upon factors including the yields on high quality corporate bonds and other appropriate yield curves along with analysis prepared by the Company’s actuaries. (b) Supplemental Retirement Plan The Company also has a supplementary pension plan under which additional retirement benefits are accrued for eligible executive officers. This plan supplements the defined benefit retirement plan for eligible employees that exceed the Internal Revenue Service limit on the amount of pension payments that are allowed from a retirement plan. The supplemental plan provides eligible employees with total benefit payments as calculated by the retirement plan without regard to this limitation. Benefits under this plan are calculated using the same actuarial assumptions and interest rates as used for the retirement plan calculations. The accumulated benefits under this supplementary pension plan was approximately $2.3 million as of December 31, 2019 and 2018. Effective as of December 31, 2008, this plan has been frozen and no additional benefits will accrue. Instead, the amount of the Company’s annual contribution to the plan plus interest is paid directly to each eligible employee. The expense recorded for this plan was $1.9 million, $1.4 million, and $1.1 million, in 2019, 2018, and 2017, respectively. Rabbi trusts have been established for this plan. These trust accounts are administered by the Trustco Financial Services Department and invest primarily in bonds issued by government-sponsored enterprises and money market instruments. These assets are recorded at their fair value and are included in short-term investments in the Consolidated Statements of Condition. As of December 31, 2019 and 2018, the trusts had assets totaling $2.4 and $2.5 million, respectively. (c) Postretirement Benefits The Company permits retirees under age 65 to participate in the Company’s medical plan by making certain payments. In addition, the plan provides a death benefit to certain eligible employees and retirees. In 2003, the Company amended the medical plan to reflect changes to the retiree medical insurance coverage portion. The Company’s subsidy of the retiree medical insurance premiums was eliminated at that time. The Company continues to provide postretirement medical benefits for a limited number of executives in accordance with their employment contracts. The following tables show the plan’s funded status and amounts recognized in the Company’s Consolidated Statements of Condition at December 31, 2019 and 2018: Change in Accumulated Benefit Obligation: (dollars in thousands) December 31, 2019 2018 Accumulated benefit obligation at beginning of year $ 5,400 5,613 Service cost 65 53 Interest cost 239 202 Benefits paid (173 ) (178 ) Net actuarial loss (gain) 603 (290 ) Accumulated benefit obligation at end of year $ 6,134 5,400 Change in Plan Assets and Reconciliation of Funded Status: (dollars in thousands) December 31, 2019 2018 Fair value of plan assets at beginning of year $ 22,091 22,922 Actual gain (loss) on plan assets 4,285 (798 ) Company contributions 155 145 Benefits paid (173 ) (178 ) Fair value of plan assets at end of year 26,358 22,091 Funded status at end of year $ 20,224 16,691 The accumulated benefit obligation was $6.1 million and $5.4 million at December 31, 2019 and 2018, respectively. Components of Net Periodic Benefit Income and Other Amounts Recognized in Other Comprehensive Income (Loss): (dollars in thousands) For the years ended December 31, 2019 2018 2017 Service cost $ 65 53 103 Interest cost 239 202 218 Expected return on plan assets (990 ) (1,028 ) (761 ) Amortization of net actuarial gain (333 ) (556 ) (356 ) Amortization of prior service (credit) cost (197 ) (100 ) 90 Net periodic benefit credit (1,216 ) (1,429 ) (706 ) Net (gain) loss (2,692 ) 830 (1,584 ) Amortization of prior service credit (cost) 197 100 (90 ) Prior service cost - 705 - Amortization of net gain 333 556 356 Total amount recognized in other comprehensive (loss) income (2,162 ) 2,191 (1,318 ) Total amount recognized in net periodic benefit cost and other comprehensive (loss) income $ (3,378 ) 762 (2,024 ) The estimated amount of net gain that will be amortized from accumulated other comprehensive loss into net periodic benefit income over the next fiscal year is approximately $663 thousand while the estimated amount of prior service credit that will be amortized from accumulated other comprehensive loss into net periodic benefit loss over the next fiscal year is approximately $196 thousand. Expected Future Benefit Payments The following benefit payments are expected to be paid: (dollars in thousands) Year Postretirement Benefits 2020 $ 161 2021 134 2022 147 2023 163 2024 181 2025 - 2029 1,295 The discount rate assumption used to determine benefit obligations at December 31 is as follows: 2019 2018 2017 Discount rate 3.56 % 4.53 3.93 The assumptions used to determine net periodic pension expense (benefit) for the years ended December 31 are as follows: 2019 2018 2017 Discount rate 4.53 % 3.93 4.41 Expected long-term rate of return on assets, net of tax 4.50 4.50 3.75 The annual rate assumption used for purposes of computing the service and interest costs components is determined based upon factors including the yields on high quality corporate bonds and other appropriate yield curves along with analysis prepared by the Company’s actuaries. For measurement purposes, a graded annual rate of increase in the per capita cost of covered benefits (i.e., health care cost trend rate) was assumed for 2019 and thereafter. A one percentage point increase in the assumed health care cost in each year would have an approximate $1.0 million impact on the accumulated postretirement benefit obligation as of December 31, 2019, while a 1% decrease would have an approximate ($954) thousand impact. The impact on the interest and service components of net periodic postretirement benefit credit for the year ended December 31, 2019 would be $61 thousand for a one percentage point increase and ($48) thousand for a one percentage point decrease. (d) Components of Accumulated Other Comprehensive Loss Related to Retirement and Postretirement Benefit Plans The following table details the change in the components of other comprehensive (loss) income related to the retirement plan and the postretirement benefit plan, at December 31, 2019 and 2018, respectively: (dollars in thousands) December 31, 2019 Retirement Plan Post- Retirement Benefit Plan Total Change in overfunded position of pension and postretirement benefits $ (3,275 ) (2,692 ) (5,967 ) Amortization of net actuarial (loss) gain (59 ) 333 274 Amortization of prior service credit - 197 197 Total $ (3,334 ) (2,162 ) (5,496 ) December 31, 2018 Retirement Plan Post- Retirement Benefit Plan Total Change in overfunded position of pension and postretirement benefits $ 2,149 830 2,979 Prior service cost - 705 705 Amortization of net actuarial gain - 556 556 Amortization of prior service credit - 100 100 Total $ 2,149 2,191 4,340 (e) Major Categories of Pension and Postretirement Benefit Plan Assets: The asset allocations of the Company’s pension and postretirement benefit plans at December 31, were as follows: Pension Benefit Plan Assets Postretirement Benefit Plan Assets 2019 2018 2019 2018 Debt Securities 33 % 31 34 29 Equity Securities 63 62 63 62 Other 4 7 3 9 Total 100 % 100 100 100 The expected long-term rate-of-return on plan assets, noted in sections (a) and (b) above, reflects long-term earnings expectations on existing plan assets. In estimating that rate, appropriate consideration was given to historical returns earned by plan assets and the rates of return expected to be available for reinvestment. Rates of return were adjusted to reflect current capital market assumptions and changes in investment allocations. The Company’s investment policies and strategies for the pension benefit and postretirement benefit plans prescribe a target allocation of 50% to 70% equity securities, 25% to 40% debt securities, and 0% to 10% for other securities for the asset categories. The Company’s investment goals are to maximize returns subject to specific risk management policies. Its risk management policies permit direct investments in equity and debt securities and mutual funds while prohibiting direct investment in derivative financial instruments. The Company addresses diversification by the use of mutual fund investments whose underlying investments are in domestic and international debt and equity securities. These mutual funds are readily marketable and can be sold to fund benefit payment obligations as they become payable. Fair Value of Plan Assets: Fair value is the exchange price that would be received for an asset in the principal or most advantageous market for the asset in an orderly transaction between market participants on the measurement date. The Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument: Equity mutual funds, Fixed Income mutual funds and Debt Securities The fair value of the plan assets at December 31, 2019 and 2018, by asset category, is as follows: Fair Value Measurements at December 31, 2019 Using: Retirement Plan (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Plan Assets Cash and cash equivalents $ 2,165 2,165 - - Equity mutual funds 32,411 32,411 - - U.S. government sponsored enterprises 4,434 - 4,434 - Corporate bonds 11,646 - 11,646 - Fixed income mutual funds 608 608 - - Total Plan Assets $ 51,264 35,184 16,080 - Fair Value Measurements at December 31, 2019 Using: Postretirement Benefits (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Plan Assets Cash and cash equivalents $ 677 677 - - Equity mutual funds 16,794 16,794 - - U.S. government sponsored enterprises 2,560 - 2,560 - Corporate bonds 6,327 - 6,327 - State and political subdivisions - - - - Total Plan Assets $ 26,358 17,471 8,887 - Fair Value Measurements at December 31, 2018 Using: Retirement Plan (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Plan Assets Cash and cash equivalents $ 3,147 3,147 - - Equity mutual funds 27,420 27,420 - - U.S. government sponsored enterprises 9,376 - 9,376 - Corporate bonds 3,638 - 3,638 - Fixed income mutual funds 576 576 - - Total Plan Assets $ 44,157 31,143 13,014 - Fair Value Measurements at December 31, 2018 Using: Postretirement Benefits (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Plan Assets Cash and cash equivalents $ 2,046 2,046 - - Equity mutual funds 13,590 13,590 - - U.S. government sponsored enterprises 3,111 - 3,111 - Corporate bonds 3,118 - 3,118 - State and political subdivisions 226 - 226 - Total Plan Assets $ 22,091 15,636 6,455 - At December 31, 2019 and 2018, the majority of the equity mutual funds included in the plan assets of the retirement plan and postretirement benefit plan consist of large-cap index funds, while the remainder of the equity mutual funds consists of mid ‑ ‑ There were no transfers between Level 1 and Level 2 in 2019 and 2018. The Company made no contributions to its pension and postretirement benefit plans in 2019 or 2018. The Company does not expect to make any contributions to its pension and postretirement benefit plans in 2020. (f) Incentive and Bonus Plans During 2006, the Company amended its profit sharing plan to include a 401(k) feature. Under the 401(k) feature, the Company matches 100% of the aggregate salary contribution up to the first 3% of compensation and 50% of the aggregate contribution of the next 3%. No profit sharing contributions were made in 2019, 2018 or 2017 but were replaced with Company contributions to the 401(k) feature of the plan. Expenses related to the plan aggregated $1.2 million for 2019, $1.1 million in 2018 and $1.0 million in 2017. The Company also has an officers and executive incentive plan. The expense of these plans generally are based on the Company’s performance and estimated distributions to participants are accrued during the year and generally paid in the following year. The expense recorded for this plan was $2.9 million, $2.7 million and $1.9 million in 2019, 2018 and 2017, respectively. The Company has also awarded 1.5 million performance bonus units to the executive officers and directors. These units become vested and exercisable only under a change of control as defined in the plan. The units were awarded based upon the stock price at the time of grant and, if exercised under a change of control, allow the holder to receive the increase in value offered in the exchange over the stock price at the date of grant for each unit, if any. As of December 31, 2019, the weighted average strike price of each unit was $8.81. (g) Stock-Based Compensation Plans-Equity Awards Equity awards are types of stock-based compensation that are to be settled in shares. As such, the amount of compensation expense to be paid at the time of settlement is included in surplus in the Consolidated Statement of Condition. In May 2019, shareholders of the Company approved the TrustCo Bank Corp NY 2019 Equity Incentive Plan (2019 Equity Incentive Plan) which replaced and combined into one plan both the Amended and Restated TrustCo Bank Corp NY 2010 Equity Incentive Plan (2010 Equity Incentive Plan) and the Amended and Restated TrustCo Bank Corp NY 2010 Directors Equity Incentive Plan (Directors Plan), and all remaining shares eligible for issuance thereunder were canceled. Under the 2019 Equity Incentive Plan the Company may provide for the issuance of shares of our common stock which is available for issuance pursuant to options, SARs, restricted stock, and restricted stock units (both time based and performance based), to eligible employees and directors. This allotment of shares includes the authorized but unissued shares remaining available for issuance under the 2010 Equity Incentive Plan and the Directors Plan. As of December 31, 2019, the Company may issue approximately million shares of our common stock pursuant to options, SARs, restricted stock, and restricted stock units (both time based and performance based). Under the 2019 Equity Incentive Plan, the exercise price of each option shall not be less than of the fair value of the Company’s stock on the date of grant, and for an Incentive Stock Option (ISO) granted to a ten percent shareholder the option price shall not be less than of the fair value of the Company’s stock on the date of the ISO grant. The vesting period and term of the option will be determined at the time of the option grant as set forth in the Award Agreement. Options granted under the 2010 Equity Incentive Plan and the Directors Plan will continue to expire ten years , and vest over , from the date the options were granted. A summary of the status of TrustCo’s stock option awards as of December 31, 2019 and changes during the year then ended, are as follows: Outstanding Options Number of Options Weighted Average Exercise Price Weighted Average Remaining Contractual Life Balance, January 1, 2019 554,641 $ 6.65 New options awarded - 2019 - - Expired options - 2019 (5,750 ) - Options forfeited - 2019 - - Exercised options - 2019 (29,800 ) 6.21 Balance, December 31, 2019 519,091 $ 6.67 4.5 Years Exercisable Options Balance, December 31, 2019 486,791 $ 6.69 4.5 Years At December 31, 2019, the intrinsic value of outstanding stock options and vested stock options was approximately $1.02 million and $952 thousand, respectively. The Company expects all unvested options to vest according to plan provisions. During 2019, 2018 and 2017, options for 0 thousand, 177 thousand and 784 thousand shares of stock were exercised, respectively. The intrinsic value and related tax benefits of stock options exercised in these years was not material. It is the Company’s policy to generally issue stock upon stock option exercises from previously unissued shares of common stock or treasury shares. Unrecognized stock-based compensation expense related to non-vested stock options totaled $12 thousand at December 31, 2019. At such date, the weighted-average period over which this unrecognized expense was expected to be recognized was 10 months. Income tax benefits recognized in the accompanying Consolidated Statements of Income related to stock-based compensation were not material. Valuation of Stock-Based Compensation: The fair value of the Company’s employee and director stock options granted is estimated on the measurement date, which, for the Company, is the date of grant. The Company did not grant new stock option awards in 2019, 2018, or 2017. During 2019, 2018 and 2017, the Company recognized $5 thousand, $173 thousand and $150 thousand in stock-based compensation expense related to the equity awards, respectively. (h) Stock-Based Compensation Plans-Liability Awards Liability awards are types of stock-based compensation that can be settled in cash (not shares). As such, the amount of compensation expense to be paid at the time of settlement is included in accrued expenses and other liabilities in the Consolidated Statement of Condition. The Company granted both service-based and performance based liability awards in 2019, 2018 and 2017. The activity for service-based awards during 2019 was as follows: Restricted share units Outstanding Units Balance, December 31, 2018 218,427 New awards granted 151,668 Forfeited awards - Awards settled (125,822 ) Balance, December 31, 2019 244,273 Service-Based Awards: During 2019 and 2018, the Company issued restricted share units to certain eligible officers, executives and its board of directors. The restricted share units do not hold voting powers, and are not eligible for common stock dividends. Depending on the year of the grant the awards either become 100% vested after three years based upon a cliff-vesting schedule, 100% vested after one year, or vest in whole units in equal installments from the first through the third year following the award date. Upon issuance, the fair value of these awards is the fair value of the Company’s common stock on the grant date. Thereafter, the amount of compensation expense recognized is based on the fair value of the Company’s stock. During 2019, 2018 and 2017, the Company recognized $743 thousand, $458 thousand and $633 thousand, respectively, in stock ‑ and one third of the awards granted in 2017 and 2018 became vested and settled. The liability related to service-based liability awards was approximately $170 thousand and $526 thousand at December 31, 2019 and 2018, respectively. The activity for performance-based awards during 2019 was as follows: Performance share units Outstanding Units Balance, December 31, 2018 408,893 New awards granted 172,006 Forfeited awards - Awards settled (102,348 ) Balance, December 31, 2019 478,551 Performance Based Awards: During 2019, 2018 and 2017, the Company issued performance share units to certain eligible officers and executives. These units do not hold voting powers, are not eligible for common stock dividends, and become 100% vested after three years based upon a cliff-vesting schedule and the satisfaction of performance metrics. Upon issuance, fair value of these units was the fair value of the Company’s common stock on the grant date. Thereafter, the amount of compensation expense recognized is based upon the Company’s achievement of certain performance criteria in accordance with Plan provisions as well as the fair value of the Company’s stock. For units granted in 2016, those have been fully vested and unpaid. For units granted subsequent to 2016, all of the units are unvested as of December 31, 2019, and the Company expects to meet the required performance criteria of the awards. During 2019, 2018 and 2017, the Company recognized approximately $1.6 million, $644 thousand and $1.2 million, respectively, in stock based compensation expense related to these units. Unrecognized stock-based compensation expense related to the outstanding performance share units totaled $2.8 million at December 31, 2019. The weighted average period over which the unrecognized expense is expected to be recognized was approximately 26 months as of December 31, 2019. The liability related to performance based liability awards totaled $2.6 million and $1.7 million at December 31, 2019 and 2018, respectively.

Commitments and Contingent Liab

Commitments and Contingent Liabilities	12 Months Ended
	Dec. 31, 2019
Commitments and Contingent Liabilities [Abstract]
Commitments and Contingent Liabilities	(10) Commitments and Contingent Liabilities (a) Litigation Existing litigation arising in the normal course of business is not expected to result in any material loss to the Company. (b) Outsourced Services The Company contracted with third-party service providers to perform certain banking functions. The outsourced services include data and item processing for the Bank and trust operations. The service expense can vary based upon the volume and nature of transactions processed. Outsourced service expense was $7.6 million for 2019, $7.5 million for 2018 and $6.4 million in 2017. The Company is contractually obligated to pay these third-party service providers approximately $7 to $8 million per year through 2025.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2019
Earnings Per Share [Abstract]
Earnings Per Share	(11) Earnings Per Share The Company computes earnings per share in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) Topic 260, Earnings Per Share Determining Whether Instruments Granted in Share-Based Payment Transactions Are Participating Securities, A reconciliation of the component parts of earnings per share for 2019, 2018 and 2017 follows: (dollars in thousands, except per share data) For the years ended December 31 2019 2018 2017 Net income $ 57,840 61,445 43,145 Weighted average common shares 96,849 96,505 96,111 Effect of dilutive common stock options 78 141 111 Weighted average common shares including potential dilutive shares 96,927 96,646 96,222 Basic EPS $ 0.597 0.637 0.449 Diluted EPS $ 0.597 0.636 0.448 For the year ended December 31, 2019, there were antidilutive stock options excluded from diluted earnings per share. thousand

Off-Balance Sheet Financial Ins

Off-Balance Sheet Financial Instruments	12 Months Ended
	Dec. 31, 2019
Off Balance Sheet Financial Instruments [Abstract]
Off-Balance Sheet Financial Instruments	(12) Off-Balance Sheet Financial Instruments Loan commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require a fee. Commitments sometimes expire without being drawn upon. Therefore, the total commitment amounts do not necessarily represent future cash requirements. These arrangements have credit risk essentially the same as that involved in extending loans to customers and are subject to the Bank’s normal credit policies, including obtaining collateral. The Bank’s maximum exposure to credit loss for loan commitments, including unused lines of credit, at December 31, 2019 and 2018, was $424.0 million and $432.6 million, respectively. Approximately 85% and 80% of these commitments were for variable rate products at the end of 2019 and 2018, respectively. The Company does not issue any guarantees that require liability-recognition or disclosure, other than its standby letters of credit. The Company has issued conditional commitments in the form of standby letters of credit to guarantee payment on behalf of a customer and guarantee the performance of a customer to a third party. Standby letters of credit generally arise in connection with lending relationships. The credit risk involved in issuing these instruments is essentially the same as that involved in extending loans to customers. Contingent obligations under standby letters of credit totaled approximately $9.6 million and $6.6 million at December 31, 2019 and 2018, respectively, and represent the maximum potential future payments the Company could be required to make. Typically, these instruments have terms of 12 months or less and expire unused; therefore, the total amounts do not necessarily represent future cash requirements. Each customer is evaluated individually for creditworthiness under the same underwriting standards used for commitments to extend credit and on-balance sheet instruments. Company policies governing loan collateral apply to standby letters of credit at the time of credit extension. Loan ‑ ‑ ‑ ‑ No losses are anticipated as a result of loan commitments or standby letters of credit.

Fair Value

Fair Value	12 Months Ended
	Dec. 31, 2019
Fair Value [Abstract]
Fair Value	(13) Fair Value Fair value measurements (ASC 820) defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. ASC 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair values: Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity can access as of the measurement date. Level 2 – Significant other observable inputs other than Level 1 prices such as quoted prices or similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3 – Significant unobservable inputs that reflect a company’s own assumptions about the value that market participants would use in pricing an asset or liability. The Company used the following methods and significant assumptions to estimate the fair value of assets and liabilities: Securities Available for Sale Other Real Estate Owned Impaired Loans Assets and liabilities measured at fair value under ASC 820 on a recurring basis are summarized below: Fair Value Measurements at December 31, 2019 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) U.S. government sponsored enterprises $ 104,512 $ - $ 104,512 $ - State and political subdivisions 162 - 162 - Mortgage backed securities and collateralized mortgage obligations - residential 389,517 - 389,517 - Corporate bonds 30,436 - 30,436 - Small Business Administration - guaranteed participation securities 48,511 - 48,511 - Other 685 - 685 - $ 573,823 $ - $ 573,823 $ - Fair Value Measurements at December 31, 2018 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) U.S. government sponsored enterprises $ 152,160 $ - $ 152,160 $ - State and political subdivisions 173 - 173 - Mortgage backed securities and collateralized mortgage obligations - residential 262,032 - 262,032 - Corporate bonds 29,938 - 29,938 - Small Business Administration - guaranteed participation securities 56,475 - 56,475 - Other 685 - 685 - Total securities available for sale $ 501,463 $ - $ 501,463 $ - There were no transfers between Level 1 and Level 2 in 2019 and 2018. Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements at December 31, 2019 Using: (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Valuation technique Unobservable inputs Range (Weighted Average) Other real estate owned $ 1,579 $ - $ - $ 1,579 Sales comparison approach Adjustments for differences between comparable sales 1% - 21% (2 %) Impaired loans: Real estate mortgage - 1 to 4 family 120 - - 120 Sales comparison approach Adjustments for differences between comparable sales 1% - 17% (9 %) Fair Value Measurements at December 31, 2018 Using: (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Valuation technique Unobservable inputs Range (Weighted Average) Other real estate owned $ 1,675 $ - $ - $ 1,675 Sales comparison approach Adjustments for differences between comparable sales 1% - 14% (7 %) Impaired loans: Real estate mortgage - 1 to 4 family 459 - - 459 Sales comparison approach Adjustments for differences between comparable sales 5% - 14% (10 %) Other real estate owned, which is carried at fair value less costs to sell, was approximately $1.6 million at December 31, 2019, and consisted of $358 thousand of commercial real estate and $1.2 million of residential real estate properties. A valuation charge of $366 thousand is included in earnings for the year ended December 31, 2019. Of the total impaired loans of $21.0 million at December 31, 2019, $120 thousand are collateral dependent and are carried at fair value measured on a non-recurring basis. Due to the sufficiency of charge-offs taken on these loans and the adequacy of the underlying collateral, there were no specific valuation allowances for these loans at December 31, 2019. Gross charge-offs related to residential impaired loans included in the table above amounted to $22 thousand. Other real estate owned, which is carried at fair value less costs to sell, was approximately $1.7 million at December 31, 2018, and consisted of $560 thousand of commercial real estate and $1.1 million of residential real estate properties. A valuation charge of $769 thousand is included in earnings for the year ended December 31, 2018. Of the total impaired loans of $22.3 million at December 31, 2018, $459 thousand are collateral dependent and are carried at fair value measured on a non-recurring basis. Due to the sufficiency of charge-offs taken on these loans and the adequacy of the underlying collateral, there were no specific valuation allowances for these loans at December 31, 2018. Gross charge-offs related to residential impaired loans included in the table above amounted to $67 thousand. In accordance with ASC 825, the carrying amounts and estimated fair values (exit price) of financial instruments at December 31, 2019 and 2018 are as follows: (dollars in thousands) Carrying Fair Value Measurements at December 31, 2019 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 456,846 456,846 - - 456,846 Securities available for sale 573,823 - 573,823 - 573,823 Held to maturity securities 18,618 - 19,680 - 19,680 Federal Reserve Bank and Federal Home Loan Bank stock 9,183 N/A N/A N/A N/A Net loans 4,017,879 - - 4,078,210 4,078,210 Accrued interest receivable 10,915 216 2,221 8,478 10,915 Financial liabilities: Demand deposits 463,858 463,858 - - 463,858 Interest bearing deposits 3,986,158 2,587,981 1,397,271 - 3,985,252 Short-term borrowings 148,666 - 148,666 - 148,666 Accrued interest payable 1,459 174 1,285 - 1,459 (dollars in thousands) Carrying Fair Value Measurements at December 31, 2018 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 503,709 503,709 - - 503,709 Securities available for sale 501,463 - 501,463 - 501,463 Held to maturity securities 22,501 - 22,924 - 22,924 Federal Reserve Bank and Federal Home Loan Bank stock 8,953 N/A N/A N/A N/A Net loans 3,829,330 - - 3,753,966 3,753,966 Accrued interest receivable 11,341 353 2,371 8,617 11,341 Financial liabilities: Demand deposits 405,069 405,069 - - 405,069 Interest bearing deposits 3,869,178 2,594,672 1,264,772 - 3,859,444 Short-term borrowings 161,893 - 161,893 - 161,893 Accrued interest payable 1,024 104 920 - 1,024

Regulatory Capital Requirements

Regulatory Capital Requirements	12 Months Ended
	Dec. 31, 2019
Regulatory Capital Requirements [Abstract]
Regulatory Capital Requirements	(14) Regulatory Capital Requirements Banks and thrifts and their holding companies are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy regulations involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet capital requirements can result in regulatory action. The final rules implementing Basel Committee on Banking Supervision’s capital guidelines for U.S. banks (Basel III rules) became effective for the Company on January 1, 2015 with full compliance with all of the requirements being phased in over a multi-year schedule, and became fully phased in on January 1, 2019. The capital rules include a capital conservation buffer that is designed to absorb losses during periods of economic stress and to require increased capital levels before capital distributions and certain other payments can be made. Failure to meet the full amount of the buffer will result in restrictions on the Company’s ability to make capital distributions, including dividend payments and stock repurchases, and to pay discretionary bonuses to executive officers. The buffer was fully implemented at 2.5% as of January 1, 2019. As of December 31, 2019, the Company and Bank meet all capital adequacy requirements to which they are subject. Prompt corrective action regulations, to which banks, but not their holding companies, are subject, provide five classifications: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. If a bank is not classified as well capitalized, regulatory approval is required to accept brokered deposits. If a bank is undercapitalized, capital distributions are limited, as is asset growth and expansion, and capital restoration plans are required. The federal banking agencies are required to take certain supervisory actions (and may take additional discretionary actions) with respect to an undercapitalized institution or its holding company. Such actions could have a direct material effect on an institution’s or its holding company’s financial statements. As of December 31, 2019 and December 31, 2018, the most recent regulatory notifications categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since that notification that management believes have changed the Bank’s category. The following is a summary of actual capital amounts and ratios as of December 31, 2019 and 2018, for Trustco Bank: As of December 31, 2019 Well Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio $ 516,775 9.940 % 5.000 % 4.000 % Common equity Tier 1 capital 516,775 18.412 6.500 7.000 Tier 1 risk-based capital 516,775 18.412 8.000 8.500 Total risk-based capital 551,975 19.666 10.000 10.500 As of December 31, 2018 Well Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio $ 484,581 9.767 % 5.000 % 4.000 % Common equity Tier 1 capital 484,581 18.233 6.500 6.380 Tier 1 risk-based capital 484,581 18.233 8.000 7.880 Total risk-based capital 517,948 19.489 10.000 9.880 The following is a summary of actual capital amounts and ratios as of December 31, 2019 and 2018 for TrustCo on a consolidated basis. As of December 31, 2019 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio $ 533,243 10.254 % 4.000 % Common equity Tier 1 capital 533,243 18.988 7.000 Tier 1 risk-based capital 533,243 18.988 8.500 Total risk-based capital 568,463 20.242 10.500 As of December 31, 2018 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio $ 499,626 10.129 % 4.000 % Common equity Tier 1 capital 499,626 18.790 6.380 Tier 1 risk-based capital 499,626 18.790 7.880 Total risk-based capital 533,009 20.046 9.880 (1) Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized (2) The December 31, 2019 and 2018 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent, and 1.88 percent repectively.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	12 Months Ended
	Dec. 31, 2019
Accumulated Other Comprehensive Loss [Abstract]
Accumulated Other Comprehensive Loss	(15) Accumulated Other Comprehensive Loss The following is a summary of the accumulated other comprehensive loss balances, net of tax: Year ended 12/31/2019 (dollars in thousands) Balance at 12/31/2018 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- year ended 12/31/2019 Balance at 12/31/2019 Net unrealized holding loss on securities available for sale, net of tax $ (10,416 ) 10,702 - 10,702 286 Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 423 4,417 - 4,417 4,840 Net change in net actuarial loss and prior service cost on pension and pension and postretirement benefit plans, net of tax (316 ) - (349 ) (349 ) (665 ) Accumulated other comprehensive income (loss), net of tax $ (10,309 ) 15,119 (349 ) 14,770 4,461 Year ended 12/31/2018 (dollars in thousands) Balance at 12/31/2017 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- year ended 12/31/2018 Balance at 12/31/2018 Net unrealized holding loss on securities available for sale, net of tax $ (5,030 ) (3,944 ) - (3,944 ) (8,974 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 3,054 (2,727 ) - (2,727 ) 327 Net change in net actuarial loss and prior service cost on pension and pension and postretirement benefit plans, net of tax 170 - (486 ) (486 ) (316 ) Tax Cuts and Jobs Act of 2017, - - (1,346 ) - (1,346 ) Accumulated other comprehensive loss, net of tax $ (1,806 ) (6,671 ) (1,832 ) (7,157 ) (10,309 ) Year ended 12/31/2017 (dollars in thousands) Balance at 12/31/2016 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- year ended 12/31/2017 Balance at 12/31/2017 Net unrealized holding loss on securities available for sale, net of tax $ (6,762 ) 1,732 - 1,732 (5,030 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 42 3,012 - 3,012 3,054 Net change in net actuarial loss and prior service cost on pension and pension and postretirement benefit plans, net of tax 469 - (299 ) (299 ) 170 Accumulated other comprehensive loss, net of tax $ (6,251 ) 4,744 (299 ) 4,445 (1,806 ) The following represents the reclassifications out of accumulated other comprehensive loss for the years ended December 31, 2019, 2018 and 2017: (dollars in thousands) Years ended December 31, 2019 2018 2017 Affected Line Item in Financial Statements Amortization of pension and postretirement benefit items: Amortization of net actuarial gain (loss) 274 556 289 Salaries and employee benefits Amortization of prior service cost 197 100 (90 ) Salaries and employee benefits Income tax benefit (122 ) (170 ) 100 Income taxes Net of tax 349 486 299 Total reclassifications, net of tax $ 349 486 299

Revenue from Contracts with Cus

Revenue from Contracts with Customers	12 Months Ended
	Dec. 31, 2019
Revenue from Contracts with Customers [Abstract]
Revenue from Contracts with Customers	(16) Revenue from Contracts with Customers All of the Company’s revenue from contracts with customers in the scope of ASC 606 is recognized within Non-Interest Income. The following table presents the Company’s sources of Non-Interest Income for the years ended December 31, 2019 and 2018. Items outside the scope of ASC 606 are noted as such. (dollars in thousands) For the years ended December 31, 2019 2018 Non-interest income Service Charges on Deposits Overdraft fees $ 3,571 3,543 Other 459 455 Interchange Income 4,065 4,822 Wealth management fees 6,387 6,283 Other (a) 4,109 2,978 Total non-interest income $ 18,591 18,081 (a) Not within the scope of ASC 606. A description of the Company’s revenue streams accounted in accordance with ASC 606 as follows: Service charges on Deposit Accounts Interchange Income: Wealth Management fees: Gains/Losses on Sales of Other real Estate Owned “OREO”:

Operating leases

Operating leases	12 Months Ended
	Dec. 31, 2019
Operating leases [Abstract]
Operating leases	(17) Operating leases The Company adopted Topic 842 “Leases” effective January 1, 2019 and has applied the guidance to all operating leases within the scope of Topic 842 at that date. The company elected to adopt practical expedients, which among other things, does not require reassessment of lease classification. The Company has committed to rent premises used in business operations under non-cancelable operating leases and determines if an arrangement meets the definition of a lease upon inception. Operating leases are included in operating lease right-of-use (“ROU”) assets and operating lease liabilities on the Company’s balance sheets. Operating lease ROU assets represent the Company’s right to use an underlying asset for the lease term and lease liabilities represent the Company’s obligation to make lease payments arising from the lease. Operating lease ROU assets and lease liabilities are recognized at the commencement date based on the present value of lease payments over the lease term. The Company’s leases do not provide an implicit rate, therefore the Company used its incremental collateralized borrowing rates commensurate with the underlying lease terms to determine present value of operating lease liabilities. Additionally, the Company does allocate the consideration between lease and non-lease components. The Company’s lease terms may include options to extend when it is reasonably certain that the Company will exercise that option. Lease expense for lease payments is recognized on a straight-line basis over the lease term. Variable lease components, such as fair market value adjustments, are expensed as incurred and not included in ROU assets and operating lease liabilities. Leases with an initial term of 12 months or less are not recorded on the balance sheet; we recognize lease expense for these leases on a straight-line basis over the lease term. As of January 1, 2019 the Company did not have any leases with terms of twelve months or less. As of December 31, 2019 the Company does not have leases that have not yet commenced. At December 31, 2019 lease expiration dates ranged from eleven months to 25.8 years and have a weighted average remaining lease term of 9.4 years. Certain leases provide for increases in future minimum annual rental payments as defined in the lease agreements. As mentioned above the leases generally also include variable lease components which include real estate taxes, insurance, and common area maintenance (“CAM”) charges in the annual rental payments. Other information related to leases was as follows: (dollars in thousands) 2019 2018 2017 Operating lease cost $ 7,808 7,988 7,889 Variable lease cost 1,968 2,000 1,889 Total Lease costs $ 9,776 $ 9,988 $ 9,778 Supplemental cash flows information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 7,839 Right-of-use assets obtained in exchange for lease obligations: $ 57,464 Weighted average remaining lease term 9.4 Weighted average discount rate 3.3 % Future minimum lease payments under non-cancellable leases as of December 31, 2019 were as follows: (dollars in thousands) Year ending December 31, 2020 $ 8,039 2021 8,033 2022 7,533 2023 7,227 2024 7,100 Thereafter 28,361 Total lease payments $ 66,293 Less: Interest 9,740 Present value of lease liabilities $ 56,553 As of December 31, 2019, the operating lease right-of-use asset was $51.5 million.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	12 Months Ended
	Dec. 31, 2019
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	(18) Recent Accounting Pronouncements In February the FASB issued ASU Leases (Topic (“ASU ”). ASU is intended to improve financial reporting of leasing transactions by requiring organizations that lease assets to recognize assets and liabilities for the rights and obligations created by leases that extend more than months on the balance sheet. This accounting update also requires additional disclosures surrounding the amount, timing, and uncertainty of cash flows arising from leases. ASU is effective for financial statements issued for annual and interim periods beginning after December for public business entities. Early adoption is permitted. The Company elected to adopt ASU as of January The Company has elected the package of practical expedients permitted in ASC Topic Accordingly, the Company accounted for its existing operating leases as operating leases under the new guidance, without reassessing (a) whether the contracts contain a lease under ASC Topic (b) whether classification of the operating leases would be different in accordance with ASC Topic or (c) whether the unamortized initial direct costs before transition adjustments (as of December would have met the definition of initial direct costs in ASC Topic at lease commencement. The company has also elected the practical expedient to use hindsight in determining the lease term. As a result of the adoption of the new lease accounting guidance, the Company recognized on January (a) a lease liability of approximately , which represents the present value of the remaining lease payments of approximately , discounted using the Company’s incremental borrowing rate, and (b) a ROU asset of approximately which represents the lease liability of adjusted for accrued rent of approximately . This standard did not have a material impact on the Company’s key performance metrics and had no impact on the Company’s operating results. The most significant impact was the recognition of ROU assets and lease liabilities for operating leases. In September 2016, the FASB released ASU 2016-13, “Financial Instruments – Credit Losses” which amended existing guidance to replace current generally accepted accounting principles used to measure a reporting entity’s credit losses. The main objective of this update is to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments and other commitments to extend credit held by a reporting entity at each reporting date. To achieve this objective, the amendments in this update replace the incurred loss impairment methodology in current GAAP with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. The standard will also expand credit quality disclosures. While the standard changes the measurement of the allowance for credit losses, it does not change the Banks’s credit risk of its lending portfolios. The standard is effective January 1, 2020. The Company has selected the Discounted Cash Flow modeling method and is running parallel processes encompassing the functionality of the models, governance activities, as well as continuing to review and refine its models and methodologies. The Bank is currently undergoing model validation and working to finalize its operating and financial control procedures and processes.

Parent Company Only

Parent Company Only	12 Months Ended
	Dec. 31, 2019
Parent Company Only [Abstract]
Parent Company Only	(19) Parent Company Only The following statements pertain to TrustCo Bank Corp NY (Parent Company): Statements of Comprehensive Income (dollars in thousands) Years ended December 31, 2019 2018 2017 Income: Dividends and interest from subsidiaries $ 28,340 24,920 24,510 Net gain on securities transactions - - - Miscellaneous income - - - Total income 28,340 24,920 24,510 Expense: Operating supplies 82 122 26 Professional services 651 438 122 Miscellaneous expense 2,811 1,755 2,573 Total expense 3,544 2,315 2,721 Income before income taxes and subsidiaries’ undistributed earnings 24,796 22,605 21,789 Income tax benefit (837 ) (523 ) (1,171 ) Income before subsidiaries’ undistributed earnings 25,633 23,128 22,960 Equity in undistributed earnings of subsidiaries 32,207 38,317 20,185 Net income $ 57,840 61,445 43,145 Change in other comprehensive income (loss) 14,770 (7,157 ) 4,445 Comprehensive income $ 72,610 54,288 47,590 Statements of Condition (dollars in thousands) December 31, 2019 2018 Assets: Cash in subsidiary bank $ 24,118 22,665 Investments in subsidiaries 521,802 474,838 Securities available for sale 35 35 Other assets 558 683 Total assets 546,513 498,221 Liabilities and shareholders’ equity: Accrued expenses and other liabilities 8,256 8,350 Total liabilities 8,256 8,350 Shareholders’ equity 538,257 489,871 Total liabilities and shareholders’ equity $ 546,513 498,221 Statements of Cash Flows (dollars in thousands) Years ended December 31, 2019 2018 2017 Increase/(decrease) in cash and cash equivalents: Cash flows from operating activities: Net income $ 57,840 61,445 43,145 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of subsidiaries (32,207 ) (38,317 ) (20,185 ) Stock based compensation expense 5 173 150 Net change in other assets and accrued expenses 246 214 853 Total adjustments (31,956 ) (37,930 ) (19,182 ) Net cash provided by operating activities 25,884 23,515 23,963 Cash flows from financing activities: Proceeds from exercise of stock options 185 1,259 5,236 Dividends paid (26,372 ) (25,555 ) (25,184 ) Payments to acquire treasury stock (35 ) (718 ) (4,608 ) Proceeds from sales of treasury stock 1,791 2,391 2,480 Net cash used in financing activities (24,431 ) (22,623 ) (22,076 ) Net increase in cash and cash equivalents 1,453 892 1,887 Cash and cash equivalents at beginning of year 22,665 21,773 19,886 Cash and cash equivalents at end of year $ 24,118 22,665 21,773

Basis of Presentation (Policies

Basis of Presentation (Policies)	12 Months Ended
	Dec. 31, 2019
Basis of Presentation [Abstract]
Consolidation	Consolidation The consolidated financial statements of the Company include the accounts of the subsidiaries after elimination of all significant intercompany accounts and transactions.
Use of Estimates	Use of Estimates The preparation of consolidated financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.
Securities Available for Sale and Held to Maturity (Debt Securities)	Securities Available for Sale and Held to Maturity (Debt Securities) Securities available for sale are carried at fair value with any unrealized appreciation or depreciation of value, net of tax, included as an element of accumulated other comprehensive income or loss in shareholders’ equity. Management maintains an available for sale portfolio in order to provide maximum flexibility in balance sheet management. The designation of available for sale is made at the time of purchase based upon management’s intent to hold the securities for an indefinite period of time. These securities, however, are available for sale in response to changes in market interest rates, related changes in liquidity needs, or changes in the availability of and yield on alternative investments. Unrealized losses on securities that reflect a decline in value which is other ‑ ‑ Debt securities that management has the positive intent and ability to hold until maturity are classified as held to maturity and are carried at their remaining unpaid principal balance, net of unamortized premiums or unaccreted discounts. The cost of debt securities is adjusted for amortization of premium and accretion of discount using the interest method. Premiums and discounts on securities are amortized on the interest method over the estimated remaining term of the underlying security without anticipating prepayments, except for mortgage backed securities where prepayments are anticipated. Gains and losses on the sale of securities available for sale are recorded at trade date and determined using the specific identification method.
Other-Than-Temporary-Impairment ("OTTI")	Other-Than-Temporary-Impairment (“OTTI”) A decline in the fair value of any available for sale or held to maturity debt security below cost that is deemed to be other than temporary is charged to earnings and/or accumulated other comprehensive income (loss), resulting in the establishment of a new cost basis of the security. Management evaluates these types of securities for OTTI at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. Additional discussion of OTTI is included in Note 3 of the consolidated financial statements.
Federal Reserve Bank (FRB) and Federal Home Loan Bank (FHLB) stock	Federal Reserve Bank (FRB) and Federal Home Loan Bank (FHLB) stock The Bank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Dividends are reported as income. The Bank is also a member of its regional Federal Reserve Bank. FRB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Any dividends received are reported as income.
Loans	Loans Loans are carried at the principal amount outstanding net of unearned income and unamortized loan fees and costs, which are recognized as adjustments to interest income over the applicable loan term. Interest income on loans is accrued based on the principal amount outstanding. Nonperforming loans include non ‑ ‑ ‑ ‑ ‑ Loan origination fees, net of certain direct origination costs, are deferred and recognized using the level yield method without anticipating prepayments.
Allowance for Loan Losses	Allowance for Loan Losses The allowance for loan losses is maintained at a level considered adequate by management to provide for probable incurred loan losses. The allowance is increased by provisions charged against income, while loan losses are charged against the allowance when management deems a loan balance to be uncollectible. Subsequent recoveries, if any, are credited to the allowance. The Company performs an analysis of the adequacy of the allowance on at least a quarterly basis. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations, current economic conditions, past due and charge ‑ A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Additionally, loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings (TDR’s) and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case ‑ ‑ TDR’s are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a TDR is considered to be a collateral dependent loan, the loan is reported at the fair value of the collateral with any charge ‑ ‑ Commercial and commercial real estate loans in non ‑ ‑ The general component of the allowance covers non ‑ ‑ ‑ ‑ The Company’s allowance methodology also includes additional allocation percentages for residential and installment loans in non ‑ ‑ ‑ ‑ The following portfolio segments have been identified: commercial loans, residential real estate loans, and installment loans: Commercial: ‑ Residential real estate: ‑ ‑ Installment: In 2019, the company sold its credit card portfolio.
Bank Premises and Equipment	Bank Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed on either the straight ‑
Other Real Estate Owned	Other Real Estate Owned Assets that are acquired through or instead of foreclosure are initially recorded at fair value less costs to sell. These assets are subsequently accounted for at the lower of cost or fair value less costs to sell. Subsequent write downs and gains and losses on sale are included in noninterest expense. Operating costs after acquisition are also included in noninterest expense. At December 31, 2019 and 2018, there were $1.6 million and $1.7 million, respectively, of other real estate owned included in the category of Other Assets in the accompanying Consolidated Statements of Condition.
Income Taxes	Income Taxes Deferred taxes are recorded for the future tax consequences of events that have been recognized in the financial statements or tax returns based upon enacted tax laws and rates. Deferred tax assets are recognized subject to management’s judgment that realization is more likely than not. The amount recognized is the largest amount of tax benefit that has a greater than 50% likelihood of being realized on examination. For tax positions not meeting the “more likely than not” test, no benefit is recorded.
Dividend Restrictions	Dividend Restrictions The Company’s ability to pay dividends to its shareholders is dependent upon the ability of the Bank to pay dividends to the Company. The payment of dividends by the Bank to the Company is subject to continued compliance with minimum regulatory capital requirements and the filing of notices with the Bank’s and the Company’s regulators. The Bank’s primary regulator may disapprove a dividend if: the Bank would be undercapitalized following the distribution; the proposed capital distribution raises safety and soundness concerns; or the capital distribution would violate a prohibition contained in any statue, regulation or agreement between the Bank and a regulator or a condition imposed in a previously approved application or notice. Currently the Bank meets the regulatory definition of a well-capitalized institution. During 2020, the Bank could declare dividends of approximately $96.7 million plus any 2020 net profits retained to the date of the dividend declaration.
Benefit Plans	Benefit Plans The Company has a defined benefit pension plan covering substantially all of its employees. The benefits are based on years of service and the employee’s compensation. This plan was frozen as of December 31, 2006. The Company has a postretirement benefit plan that permits retirees under age 65 to participate in the Company’s medical plan by which retirees pay all of their premiums. Under certain employment contracts with selected executive officers, the Company is obligated to provide postretirement benefits to these individuals once they attain certain vesting requirements. The Company recognized in the Consolidated Statement of Condition the funded status of the pension plan and postretirement benefit plan with an offset, net of tax, recorded in accumulated other comprehensive income (loss).
Stock-Based Compensation Plans	Stock-Based Compensation Plans The Company has stock-based compensation plans for employees and directors. Compensation cost is recognized for stock options and restricted stock awards issued to employees and directors based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options while, for restricted stock awards, the fair value of the Company’s common stock at the date of grant is used. Compensation cost for stock options and restricted stock awards to be settled in stock are recognized over the required service period generally defined as the vesting period. The expense is recognized over the shorter of each award’s vesting period or the retirement date for any awards that vest immediately upon eligible retirement. Awards to be settled in cash based on the fair value of the Company’s stock at vesting are treated as liability based awards. Compensation costs for liability based awards are re ‑
Earnings Per Share	Earnings Per Share Basic earnings per common share is net income divided by the weighted average number of common shares outstanding during the period. All outstanding unvested share ‑ ‑
Segment Reporting	Segment Reporting The Company’s operations are exclusively in the financial services industry and include the provision of traditional banking services. Management evaluates the performance of the Company based on only one business segment, that of community banking. The Company operates primarily in the geographical region of Upstate New York with branches also in Florida and the mid ‑
Cash and Cash Equivalents	Cash and Cash Equivalents The Company classifies cash on hand, cash due from banks, Federal Funds sold, and other short-term investments as cash and cash equivalents for disclosure purposes.
Trust Assets	Trust Assets Assets under management with the Trustco Financial Services Department are not included in the Company’s consolidated financial statements because Trustco Financial Services holds these assets in a fiduciary capacity.
Comprehensive Income (Loss)	Comprehensive Income (Loss) Comprehensive income (loss) represents the sum of net income and items of other comprehensive income or loss, which are reported directly in shareholders’ equity, net of tax, such as the change in net unrealized gain or loss on securities available for sale and changes in the funded position of the pension and postretirement benefit plans. Accumulated other comprehensive income or loss, which is a component of shareholders’ equity, represents the net unrealized gain or loss on securities available for sale, net of tax and the funded position in the Company’s pension plan and postretirement benefit plans, net of tax.
Fair Value of Financial Instruments	Fair Value of Financial Instruments Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 13. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates.

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2019
Investment Securities [Abstract]
Amortized Cost and Fair Value of Securities Available For Sale	The amortized cost and fair value of the securities available for sale are as follows: (dollars in thousands) December 31, 2019 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 104,895 36 419 104,512 State and political subdivisions 160 2 - 162 Mortgage backed securities and collateralized mortgage obligations - residential 388,537 2,406 1,426 389,517 Corporate bonds 30,164 367 95 30,436 Small Business Administration - guaranteed participation securities 48,991 - 480 48,511 Other 685 - - 685 Total securities available for sale $ 573,432 2,811 2,420 573,823 (dollars in thousands) December 31, 2018 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 154,868 - 2,708 152,160 State and political subdivisions 168 5 - 173 Mortgage backed securities and collateralized mortgage obligations - residential 271,386 53 9,407 262,032 Corporate bonds 30,048 - 110 29,938 Small Business Administration - guaranteed participation securities 58,376 - 1,901 56,475 Other 685 - - 685 Total securities available for sale $ 515,531 58 14,126 501,463
Securities, Available-for-sale and Held-to-maturity [Abstract]
Proceeds from Calls/Paydowns of Securities Available for Sale	The proceeds from calls/paydowns of securities available for sale during 2019, 2018 and 2017 are as follows: (dollars in thousands) Years ended December 31, 2019 2018 2017 Proceeds from calls/paydowns 192,003 78,230 124,624
Amortized Cost and Fair Value of Held to Maturity Securities	The amortized cost and fair value of the held to maturity securities are as follows: December 31, 2019 (dollars in thousands) Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 18,618 1,062 - 19,680 Total held to maturity $ 18,618 1,062 - 19,680 December 31, 2018 (dollars in thousands) Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 22,501 577 154 22,924 Total held to maturity $ 22,501 577 154 22,924
Securities Held in Available For Sale and Held to Maturity Greater Than 10% of Shareholders Equity	The Company has the following balances of securities held in the available for sale and held to maturity portfolios as of December 31, 2019 that represent greater than 10% of shareholders’ equity: (dollars in thousands) Amortized Cost Fair Value Federal National Mortgage Association $ 240,324 239,846 Federal Home Loan Mortgage Corporation 96,989 97,177 Government National Mortgage Association 99,742 101,927 Federal Farm Credit Bureau 54,995 54,757
Securities Available for Sale [Member]
Securities, Available-for-sale and Held-to-maturity [Abstract]
Debt Securities Based on Securities Contractual Maturity	The following table distributes the amortized cost and fair value of debt securities included in the available for sale portfolio as of December 31, 2019, based on the securities’ final maturity. Actual maturities may differ because of securities prepayments and the right of certain issuers to call or prepay their obligations without penalty. Securities not due at a single maturity are shown separately: (dollars in thousands) Amortized Cost Fair Value Due in one year or less $ 10,032 10,081 Due in one year through five years 105,854 105,837 Due after five years through ten years 20,018 19,877 Mortgage backed securities and collateralized mortgage obligations - residential 388,537 389,517 Small Business Administration - guaranteed participation securities 48,991 48,511 $ 573,432 573,823
Gross Unrealized Losses on Investment Securities and Related Fair Values in Unrealized Loss Position	Gross unrealized losses on securities available for sale and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: (dollars in thousands) December 31, 2019 Less than 12 months 12 months or more Total Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss U.S. government sponsored enterprises $ 19,820 180 74,656 239 94,476 419 Mortgage backed securities and collateralized mortgage obligations - residential 67,322 446 169,169 980 236,491 1,426 Corporate bonds 4,905 95 - - 4,905 95 Small Business Administration - guaranteed participation securities 48,510 480 - - 48,510 480 Total $ 140,557 1,201 243,825 1,219 384,382 2,420 (dollars in thousands) December 31, 2018 Less than 12 months 12 months or more Total Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss U.S. government sponsored enterprises $ 29,870 106 112,291 2,602 142,161 2,708 Mortgage backed securities and collateralized mortgage obligations - residential 1,102 11 259,729 9,396 260,831 9,407 Corporate bonds 14,943 98 9,995 12 24,938 110 Small Business Administration - guaranteed participation securities - - 56,475 1,901 56,475 1,901 Total $ 45,915 215 438,490 13,911 484,405 14,126
Held to Maturity Securities [Member]
Securities, Available-for-sale and Held-to-maturity [Abstract]
Debt Securities Based on Securities Contractual Maturity	The following table distributes the debt securities included in the held to maturity portfolio as of December 31, 2019, based on the securities’ final maturity. Actual maturities may differ because of securities prepayments and the right of certain issuers to call or prepay their obligations without penalty. Securities not due at a single maturity date are shown separately. (dollars in thousands) Amortized Cost Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 18,618 19,680 $ 18,618 19,680

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2019
Loans and Allowance for Loan Losses [Abstract]
Recorded Investment in Loans by Loan Class	The following tables present the recorded investment in loans by loan class: December 31, 2019 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 162,186 17,752 179,938 Other 19,326 235 19,561 Real estate mortgage - 1 to 4 family: First mortgages 2,541,440 953,995 3,495,435 Home equity loans 69,791 18,548 88,339 Home equity lines of credit 221,487 46,435 267,922 Installment 8,706 2,295 11,001 Total loans, net $ 3,022,936 1,039,260 4,062,196 Less: Allowance for loan losses 44,317 Net loans $ 4,017,879 December 31, 2018 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 156,278 15,275 171,553 Other 24,330 263 24,593 Real estate mortgage - 1 to 4 family: First mortgages 2,442,711 845,166 3,287,877 Home equity loans 71,523 17,308 88,831 Home equity lines of credit 243,765 45,775 289,540 Installment 9,462 2,240 11,702 Total loans, net $ 2,948,069 926,027 3,874,096 Less: Allowance for loan losses 44,766 Net loans $ 3,829,330 * Includes New York, New Jersey, Vermont and Massachusetts.
Recorded Investment in Non-Accrual Loans by Loan Class	The following tables present the recorded investment in non-accrual loans by loan class: December 31, 2019 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 733 - 733 Other 83 - 83 Real estate mortgage - 1 to 4 family: First mortgages 15,385 1,468 16,853 Home equity loans 218 48 266 Home equity lines of credit 2,804 98 2,902 Installment 3 - 3 Total non-accrual loans 19,226 1,614 20,840 Restructured real estate mortgages - 1 to 4 family 29 - 29 Total nonperforming loans $ 19,255 1,614 20,869 December 31, 2018 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 639 - 639 Other 6 - 6 Real estate mortgage - 1 to 4 family: First mortgages 18,202 1,812 20,014 Home equity loans 247 - 247 Home equity lines of credit 3,924 103 4,027 Installment 4 15 19 Total non-accrual loans 23,022 1,930 24,952 Restructured real estate mortgages - 1 to 4 family 34 - 34 Total nonperforming loans $ 23,056 1,930 24,986 * Includes New York, New Jersey, Vermont and Massachusetts.
Aging of Recorded Investment in Past Due Loans by Loan Class and by Region	The following table presents the aging of the recorded investment in past due loans by loan class and by region: December 31, 2019 New York and other states*: 30-59 Days 60-89 Days 90 + Days Total 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ 141 - 617 758 161,428 162,186 Other 80 - 33 113 19,213 19,326 Real estate mortgage - 1 to 4 family: First mortgages 3,444 292 11,328 15,064 2,526,376 2,541,440 Home equity loans 183 7 133 323 69,468 69,791 Home equity lines of credit 232 149 1,141 1,522 219,965 221,487 Installment 37 8 3 48 8,658 8,706 Total $ 4,117 456 13,255 17,828 3,005,108 3,022,936 Florida: 30-59 Days 60-89 Days 90 + Days Total 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - - - - 17,752 17,752 Other - - - - 235 235 Real estate mortgage - 1 to 4 family: First mortgages 542 - 617 1,159 952,836 953,995 Home equity loans 63 - - 63 18,485 18,548 Home equity lines of credit 80 - 50 130 46,305 46,435 Installment - - - - 2,295 2,295 Total $ 685 - 667 1,352 1,037,908 1,039,260 Total: 30-59 Days 60-89 Days 90 + Days Total 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ 141 - 617 758 179,180 179,938 Other 80 - 33 113 19,448 19,561 Real estate mortgage - 1 to 4 family: First mortgages 3,986 292 11,945 16,223 3,479,212 3,495,435 Home equity loans 246 7 133 386 87,953 88,339 Home equity lines of credit 312 149 1,191 1,652 266,270 267,922 Installment 37 8 3 48 10,953 11,001 Total $ 4,802 456 13,922 19,180 4,043,016 4,062,196 * Includes New York, New Jersey, Vermont and Massachusetts. December 31, 2018 New York and other states*: 30-59 Days 60-89 Days 90 + Days Total 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ 198 - 370 568 155,710 156,278 Other - - - - 24,330 24,330 Real estate mortgage - 1 to 4 family: First mortgages 3,276 898 13,267 17,441 2,425,270 2,442,711 Home equity loans 158 94 212 464 71,059 71,523 Home equity lines of credit 963 348 1,691 3,002 240,763 243,765 Installment 44 29 2 75 9,387 9,462 Total $ 4,639 1,369 15,542 21,550 2,926,519 2,948,069 Florida: 30-59 Days 60-89 Days 90 + Days Total 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - - - - 15,275 15,275 Other - - - - 263 263 Real estate mortgage - 1 to 4 family: First mortgages 417 407 721 1,545 843,621 845,166 Home equity loans 50 - - 50 17,258 17,308 Home equity lines of credit 40 - 50 90 45,685 45,775 Installment 12 7 15 34 2,206 2,240 Total $ 519 414 786 1,719 924,308 926,027 Total: 30-59 Days 60-89 Days 90 + Days Total 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ 198 - 370 568 170,985 171,553 Other - - - - 24,593 24,593 Real estate mortgage - 1 to 4 family: First mortgages 3,693 1,305 13,988 18,986 3,268,891 3,287,877 Home equity loans 208 94 212 514 88,317 88,831 Home equity lines of credit 1,003 348 1,741 3,092 286,448 289,540 Installment 56 36 17 109 11,593 11,702 Total $ 5,158 1,783 16,328 23,269 3,850,827 3,874,096 * Includes New York, New Jersey, Vermont and Massachusetts.
Activity in Allowance For Loan Losses by Portfolio Segment	Activity in the allowance for loan losses by portfolio segment is summarized as follows: For the year ended December 31, 2019 (dollars in thousands) Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 4,048 39,772 946 44,766 Loans charged off: New York and other states* 20 945 165 1,130 Florida - 29 48 77 Total loan chargeoffs 20 974 213 1,207 Recoveries of loans previously charged off: New York and other states* 46 496 21 563 Florida - 36 - 36 Total recoveries 46 532 21 599 Net loans charged off (recoveries) (26 ) 442 192 608 Provision (recoveries) for loan losses (75 ) 418 (184 ) 159 Balance at end of period $ 3,999 39,748 570 44,317 For the year ended December 31, 2018 (dollars in thousands) Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 4,324 39,077 769 44,170 Loans charged off: New York and other states* 100 846 224 1,170 Florida - - 33 33 Total loan chargeoffs 100 846 257 1,203 Recoveries of loans previously charged off: New York and other states* 10 348 32 390 Florida - 3 6 9 Total recoveries 10 351 38 399 Net loans charged off (recoveries) 90 495 219 804 Provision (recoveries) for loan losses (186 ) 1,190 396 1,400 Balance at end of period $ 4,048 39,772 946 44,766 For the year ended December 31, 2017 (dollars in thousands) Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 4,929 38,231 730 43,890 Loans charged off: New York and other states* 72 2,053 200 2,325 Florida - 167 19 186 Total loan chargeoffs 72 2,220 219 2,511 Recoveries of loans previously charged off: New York and other states* 96 596 26 718 Florida - 73 - 73 Total recoveries 96 669 26 791 Net loans charged off (recoveries) (24 ) 1,551 193 1,720 Provision (recoveries) for loan losses (629 ) 2,397 232 2,000 Balance at end of period $ 4,324 39,077 769 44,170 * Includes New York, New Jersey, Vermont and Massachusetts.
Allowance For Loan Losses and Recorded Investment in Loans by Portfolio Segment and Based on Impairment Method	The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2019 and 2018: December 31, 2019 (dollars in thousands) Commercial Loans 1-to-4 Family Residential Real Estate Installment Loans Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - - - - Collectively evaluated for impairment 3,999 39,748 570 44,317 Total ending allowance balance $ 3,999 39,748 570 44,317 Loans: Individually evaluated for impairment $ 1,437 19,539 - 20,976 Collectively evaluated for impairment 198,062 3,832,157 11,001 4,041,220 Total ending loans balance $ 199,499 3,851,696 11,001 4,062,196 December 31, 2018 (dollars in thousands) Commercial Loans 1-to-4 Family Residential Real Estate Installment Loans Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - - - - Collectively evaluated for impairment 4,048 39,772 946 44,766 Total ending allowance balance $ 4,048 39,772 946 44,766 Loans: Individually evaluated for impairment $ 1,424 20,864 - 22,288 Collectively evaluated for impairment 194,722 3,645,384 11,702 3,851,808 Total ending loans balance $ 196,146 3,666,248 11,702 3,874,096
Impaired Loans by Loan Class	The following tables present impaired loans by loan class as of December 31, 2019 and 2018: December 31, 2019 New York and other states*: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 1,217 1,359 - 1,385 Other 115 115 - 38 Real estate mortgage - 1 to 4 family: First mortgages 14,414 14,714 - 14,358 Home equity loans 235 255 - 241 Home equity lines of credit 2,160 2,300 - 2,274 Total $ 18,141 18,743 - 18,296 Florida: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 105 105 - 82 Other - - - 26 Real estate mortgage - 1 to 4 family: First mortgages 2,486 2,486 - 2,259 Home equity loans - - - 51 Home equity lines of credit 244 244 - 249 Total $ 2,835 2,835 - 2,667 Total: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 1,322 1,464 - 1,467 Other 115 115 - 64 Real estate mortgage - 1 to 4 family: First mortgages 16,900 17,200 - 16,617 Home equity loans 235 255 - 292 Home equity lines of credit 2,404 2,544 - 2,523 Total $ 20,976 21,578 - 20,963 * Includes New York, New Jersey, Vermont and Massachusetts. December 31, 2018 New York and other states*: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 1,274 1,444 - 1,503 Other 38 88 - 123 Real estate mortgage - 1 to 4 family: First mortgages 15,210 15,661 - 15,577 Home equity loans 252 272 - 262 Home equity lines of credit 2,772 2,996 - 2,772 Total $ 19,546 20,461 - 20,237 Florida: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 112 112 - 57 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 2,293 2,399 - 2,455 Home equity loans 84 84 - 86 Home equity lines of credit 253 253 - 326 Total $ 2,742 2,848 - 2,924 Total: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 1,386 1,556 - 1,560 Other 38 88 - 123 Real estate mortgage - 1 to 4 family: First mortgages 17,503 18,060 - 18,032 Home equity loans 336 356 - 348 Home equity lines of credit 3,025 3,249 - 3,098 Total $ 22,288 23,309 - 23,161 * Includes New York, New Jersey, Vermont and Massachusetts.
Modified Loans by Class That Were Determined to be TDR's	The following table presents modified loans by class that were determined to be TDR’s that occurred during the years ended December 31, 2019, 2018 and 2017: Year ended 12/31/2019 Year ended 12/31/2018 Year ended 12/31/2017 New York and other states*: (dollars in thousands) Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Commercial: Commercial real estate 1 $ 125 125 6 $ 747 747 4 $ 426 426 Real estate mortgage - 1 to 4 family: First mortgages 18 2,621 2,621 18 2,349 2,349 44 5,653 5,653 Home equity loans - - - 1 6 6 3 56 56 Home equity lines of credit 2 235 235 5 325 325 18 868 868 Total 21 $ 2,981 2,981 30 $ 3,427 3,427 69 $ 7,003 7,003 Florida: (dollars in thousands) Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Real estate mortgage - 1 to 4 family: First mortgages 6 $ 632 632 1 $ 35 35 10 $ 1,076 1,076 Home equity loans - - - - - - - - - Home equity lines of credit - - - - - - 2 95 95 Total 6 $ 632 632 1 $ 35 35 12 $ 1,171 1,171 * Includes New York, New Jersey, Vermont and Massachusetts.
Loans by Class Modified as TDR's For Which There was a Payment Default	The following table presents loans by class modified as TDR’s that occurred during the years ended December 31, 2019, 2018 and 2017 for which there was a payment default within 12 months of modification: Year ended 12/31/2019 Year ended 12/31/2018 Year ended 12/31/2017 New York and other states*: (dollars in thousands) Number of Contracts Recorded Investment Number of Contracts Recorded Investment Number of Contracts Recorded Investment Real estate mortgage - 1 to 4 family: First mortgages 2 $ 418 1 $ 101 1 $ 72 Home equity loans - - - - - - Home equity lines of credit - - - - 1 3 Total 2 $ 418 1 $ 101 2 $ 75 Florida: (dollars in thousands) Number of Contracts Recorded Investment Number of Contracts Recorded Investment Number of Contracts Recorded Investment Real estate mortgage - 1 to 4 family: First mortgages - $ - - $ - - $ - Home equity lines of credit - - - - - - Total - $ - - $ - - $ - * Includes New York, New Jersey, Vermont and Massachusetts.
Risk Category Loans by Class of Loans	As of December 31, 2019 and 2018, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: December 31, 2019 New York and other states*: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 157,280 4,906 162,186 Other 18,384 942 19,326 $ 175,664 5,848 181,512 Florida: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 17,752 - 17,752 Other 235 - 235 $ 17,987 - 17,987 Total: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 175,032 4,906 179,938 Other 18,619 942 19,561 $ 193,651 5,848 199,499 * Includes New York, New Jersey and Massachusetts. December 31, 2018 New York and other states*: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 151,405 4,873 156,278 Other 23,325 1,005 24,330 $ 174,730 5,878 180,608 Florida: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 15,163 112 15,275 Other 263 - 263 $ 15,426 112 15,538 Total: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 166,568 4,985 171,553 Other 23,588 1,005 24,593 $ 190,156 5,990 196,146 * Includes New York, New Jersey and Massachusetts.

Bank Premises and Equipment (Ta

Bank Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2019
Bank Premises and Equipment [Abstract]
Summary of Premises and Equipment	A summary of premises and equipment at December 31, 2019 and 2018 follows: (dollars in thousands) 2019 2018 Land $ 2,337 $ 2,308 Buildings 36,245 34,969 Furniture, fixtures and equipment 54,245 52,153 Leasehold improvements 32,176 31,906 Total bank premises and equipment 125,003 121,336 Accumulated depreciation and amortization (90,381 ) (86,642 ) Total $ 34,622 $ 34,694

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2019
Deposits [Abstract]
Interest Expense on Deposits	Interest expense on deposits was as follows: (dollars in thousands) For the year ended December 31, 2019 2018 2017 Interest bearing checking accounts $ 288 442 478 Savings accounts 1,338 1,657 1,729 Time deposits and money market accounts 33,227 16,859 10,983 Total $ 34,853 18,958 13,190
Maturity of Total Time Deposits	At December 31, 2019, the maturity of total time deposits is as follows: (dollars in thousands) Under 1 year $ 1,268,816 1 to 2 years 114,098 2 to 3 years 8,706 3 to 4 years 3,619 4 to 5 years 2,741 Over 5 years 197 $ 1,398,177

Short-Term Borrowings (Tables)

Short-Term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2019
Short-Term Borrowings [Abstract]
Short-Term Borrowings	Short-term borrowings of the Company were cash management accounts as follows: (dollars in thousands) 2019 2018 2017 Amount outstanding at December 31, $ 148,666 161,893 242,991 Maximum amount outstanding at any month end 169,214 233,522 252,996 Average amount outstanding 159,220 194,810 228,086 Weighted average interest rate: For the year 0.92 % 0.65 0.61 As of year end 0.90 0.95 0.62

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2019
Income Taxes [Abstract]
Summary of Income Tax Expense	A summary of income tax expense included in the Consolidated Statements of Income follows: (dollars in thousands) For the year ended December 31, 2019 2018 2017 Current tax expense: Federal $ 15,171 13,897 26,510 State 2,359 1,756 2,221 Total current tax expense 17,530 15,653 28,731 Enactment of Federal Tax Reform - - 5,054 Deferred tax expense (benefit) 1,139 2,556 (183 ) Total income tax expense $ 18,669 18,209 33,602
Tax Effects of Temporary Differences	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2019 and 2018, are as follows: December 31, (dollars in thousands) 2019 2018 Deductible temporary differences Deductible temporary differences Benefits and deferred remuneration $ (5,156 ) $ (5,204 ) Difference in reporting the allowance for loan losses, net 11,385 12,082 Other income or expense not yet reported for tax purposes (314 ) (210 ) Depreciable assets (2,347 ) (1,961 ) Net deferred tax asset at end of year 3,568 4,707 Net deferred tax asset at beginning of year 4,707 7,263 Deferred tax expense $ 1,139 $ 2,556
Effective Income Tax Rate	The effective tax rates differ from the statutory federal income tax rate. The reasons for these differences are as follows: For the years ended December 31, 2019 2018 2017 Statutory federal income tax rate 21.0 % 21.0 35.0 Increase/(decrease) in taxes resulting from: Tax exempt income - (0.1 ) (0.1 ) State income tax, net of federal tax benefit 2.6 2.4 1.6 Enactment of Federal Tax Reform - - 6.6 Other items 0.8 (0.4 ) 0.7 Effective income tax rate 24.4 % 22.9 43.8

Benefit Plans (Tables)

Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2019
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Change in Component of Other Comprehensive (Loss) income Related to Retirement Plan and Post-retirement Benefit Plan	The following table details the change in the components of other comprehensive (loss) income related to the retirement plan and the postretirement benefit plan, at December 31, 2019 and 2018, respectively: (dollars in thousands) December 31, 2019 Retirement Plan Post- Retirement Benefit Plan Total Change in overfunded position of pension and postretirement benefits $ (3,275 ) (2,692 ) (5,967 ) Amortization of net actuarial (loss) gain (59 ) 333 274 Amortization of prior service credit - 197 197 Total $ (3,334 ) (2,162 ) (5,496 ) December 31, 2018 Retirement Plan Post- Retirement Benefit Plan Total Change in overfunded position of pension and postretirement benefits $ 2,149 830 2,979 Prior service cost - 705 705 Amortization of net actuarial gain - 556 556 Amortization of prior service credit - 100 100 Total $ 2,149 2,191 4,340
Asset Allocation of Pension and Postretirement Benefit Plans	The asset allocations of the Company’s pension and postretirement benefit plans at December 31, were as follows: Pension Benefit Plan Assets Postretirement Benefit Plan Assets 2019 2018 2019 2018 Debt Securities 33 % 31 34 29 Equity Securities 63 62 63 62 Other 4 7 3 9 Total 100 % 100 100 100
Fair Value of Plan Assets by type of Financial Instrument and Level Hierarchy	The fair value of the plan assets at December 31, 2019 and 2018, by asset category, is as follows: Fair Value Measurements at December 31, 2019 Using: Retirement Plan (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Plan Assets Cash and cash equivalents $ 2,165 2,165 - - Equity mutual funds 32,411 32,411 - - U.S. government sponsored enterprises 4,434 - 4,434 - Corporate bonds 11,646 - 11,646 - Fixed income mutual funds 608 608 - - Total Plan Assets $ 51,264 35,184 16,080 - Fair Value Measurements at December 31, 2019 Using: Postretirement Benefits (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Plan Assets Cash and cash equivalents $ 677 677 - - Equity mutual funds 16,794 16,794 - - U.S. government sponsored enterprises 2,560 - 2,560 - Corporate bonds 6,327 - 6,327 - State and political subdivisions - - - - Total Plan Assets $ 26,358 17,471 8,887 - Fair Value Measurements at December 31, 2018 Using: Retirement Plan (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Plan Assets Cash and cash equivalents $ 3,147 3,147 - - Equity mutual funds 27,420 27,420 - - U.S. government sponsored enterprises 9,376 - 9,376 - Corporate bonds 3,638 - 3,638 - Fixed income mutual funds 576 576 - - Total Plan Assets $ 44,157 31,143 13,014 - Fair Value Measurements at December 31, 2018 Using: Postretirement Benefits (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Plan Assets Cash and cash equivalents $ 2,046 2,046 - - Equity mutual funds 13,590 13,590 - - U.S. government sponsored enterprises 3,111 - 3,111 - Corporate bonds 3,118 - 3,118 - State and political subdivisions 226 - 226 - Total Plan Assets $ 22,091 15,636 6,455 -
Summary of the Status of Stock Option Plans	Under the 2019 Equity Incentive Plan, the exercise price of each option shall not be less than of the fair value of the Company’s stock on the date of grant, and for an Incentive Stock Option (ISO) granted to a ten percent shareholder the option price shall not be less than of the fair value of the Company’s stock on the date of the ISO grant. The vesting period and term of the option will be determined at the time of the option grant as set forth in the Award Agreement. Options granted under the 2010 Equity Incentive Plan and the Directors Plan will continue to expire ten years , and vest over , from the date the options were granted. A summary of the status of TrustCo’s stock option awards as of December 31, 2019 and changes during the year then ended, are as follows: Outstanding Options Number of Options Weighted Average Exercise Price Weighted Average Remaining Contractual Life Balance, January 1, 2019 554,641 $ 6.65 New options awarded - 2019 - - Expired options - 2019 (5,750 ) - Options forfeited - 2019 - - Exercised options - 2019 (29,800 ) 6.21 Balance, December 31, 2019 519,091 $ 6.67 4.5 Years Exercisable Options Balance, December 31, 2019 486,791 $ 6.69 4.5 Years
Restricted Share Units	Restricted share units Outstanding Units Balance, December 31, 2018 218,427 New awards granted 151,668 Forfeited awards - Awards settled (125,822 ) Balance, December 31, 2019 244,273
Performance Share Units	Performance share units Outstanding Units Balance, December 31, 2018 408,893 New awards granted 172,006 Forfeited awards - Awards settled (102,348 ) Balance, December 31, 2019 478,551
Retirement Plan [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Change in Projected/Accumulated Benefit Obligation	The following tables set forth the plan’s funded status and amounts recognized in the Company’s consolidated statements of condition at December 31, 2019 and 2018: Change in Projected Benefit Obligation: December 31, (dollars in thousands) 2019 2018 Projected benefit obligation at beginning of year $ 28,518 31,219 Service cost 42 34 Interest cost 1,244 1,197 Benefit payments and expected expenses (1,798 ) (1,937 ) Net actuarial loss (gain) 2,818 (1,995 ) Projected benefit obligation at end of year $ 30,824 28,518
Change in Plan Assets and Reconciliation of Funded Status	Change in Plan Assets and Reconciliation of Funded Status: December 31, (dollars in thousands) 2019 2018 Fair Value of plan assets at beginning of year $ 44,157 47,227 Actual gain (loss) on plan assets 8,902 (1,126 ) Benefit payments and actual expenses (1,795 ) (1,944 ) Fair value of plan assets at end of year 51,264 44,157 Funded status at end of year $ 20,440 15,639
Amounts Recognized in Accumulated Other Comprehensive Income	Amounts recognized in accumulated other comprehensive loss consist of the following as of: December 31, 2019 2018 Net actuarial loss $ 1,787 5,122
Components of Net Periodic Pension Income and Other Amounts Recognized in Other Comprehensive (Loss) Income	Components of Net Periodic Pension Income and Other Amounts Recognized in Other Comprehensive (Loss) Income: For the years ended December 31, (dollars in thousands) 2019 2018 2017 Service cost $ 42 34 42 Interest cost 1,244 1,197 1,303 Expected return on plan assets (2,811 ) (3,012 ) (2,742 ) Amortization of net loss 59 - 67 Net periodic pension credit (1,466 ) (1,781 ) (1,330 ) Amortization of net loss (59 ) - (67 ) Net actuarial (gain) loss included in other comprehensive (loss) income (3,275 ) 2,149 (2,240 ) Total recognized in other comprehensive (loss) income (3,334 ) 2,149 (2,307 ) Total recognized in net periodic benefit (credit) cost and other comprehensive (loss) income $ (4,800 ) 368 (3,637 )
Estimated Future Benefit Payments	Estimated Future Benefit Payments The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid: (dollars in thousands) Year Pension Benefits 2020 $ 1,762 2021 1,810 2022 1,793 2023 1,781 2024 1,790 2025 - 2029 9,002 The assumptions used to determine benefit obligations at December 31 are as follows: 2019 2018 2017 Discount rate 3.56 % 4.53 3.93 The assumptions used to determine net periodic pension expense (benefit) for the years ended December 31 are as follows: 2019 2018 2017 Discount rate 4.53 % 3.93 4.41 Expected long-term rate of return on assets 6.50 6.50 6.50
Postretirement Benefits [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Change in Projected/Accumulated Benefit Obligation	Change in Accumulated Benefit Obligation: (dollars in thousands) December 31, 2019 2018 Accumulated benefit obligation at beginning of year $ 5,400 5,613 Service cost 65 53 Interest cost 239 202 Benefits paid (173 ) (178 ) Net actuarial loss (gain) 603 (290 ) Accumulated benefit obligation at end of year $ 6,134 5,400
Change in Plan Assets and Reconciliation of Funded Status	Change in Plan Assets and Reconciliation of Funded Status: (dollars in thousands) December 31, 2019 2018 Fair value of plan assets at beginning of year $ 22,091 22,922 Actual gain (loss) on plan assets 4,285 (798 ) Company contributions 155 145 Benefits paid (173 ) (178 ) Fair value of plan assets at end of year 26,358 22,091 Funded status at end of year $ 20,224 16,691
Components of Net Periodic Pension Income and Other Amounts Recognized in Other Comprehensive (Loss) Income	Components of Net Periodic Benefit Income and Other Amounts Recognized in Other Comprehensive Income (Loss): (dollars in thousands) For the years ended December 31, 2019 2018 2017 Service cost $ 65 53 103 Interest cost 239 202 218 Expected return on plan assets (990 ) (1,028 ) (761 ) Amortization of net actuarial gain (333 ) (556 ) (356 ) Amortization of prior service (credit) cost (197 ) (100 ) 90 Net periodic benefit credit (1,216 ) (1,429 ) (706 ) Net (gain) loss (2,692 ) 830 (1,584 ) Amortization of prior service credit (cost) 197 100 (90 ) Prior service cost - 705 - Amortization of net gain 333 556 356 Total amount recognized in other comprehensive (loss) income (2,162 ) 2,191 (1,318 ) Total amount recognized in net periodic benefit cost and other comprehensive (loss) income $ (3,378 ) 762 (2,024 )
Estimated Future Benefit Payments	Expected Future Benefit Payments The following benefit payments are expected to be paid: (dollars in thousands) Year Postretirement Benefits 2020 $ 161 2021 134 2022 147 2023 163 2024 181 2025 - 2029 1,295
Assumptions used to Determine Benefit Obligation and Net Periodic Expense	The discount rate assumption used to determine benefit obligations at December 31 is as follows: 2019 2018 2017 Discount rate 3.56 % 4.53 3.93 The assumptions used to determine net periodic pension expense (benefit) for the years ended December 31 are as follows: 2019 2018 2017 Discount rate 4.53 % 3.93 4.41 Expected long-term rate of return on assets, net of tax 4.50 4.50 3.75

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2019
Earnings Per Share [Abstract]
Reconciliation of the Component Parts of Earnings per Share	A reconciliation of the component parts of earnings per share for 2019, 2018 and 2017 follows: (dollars in thousands, except per share data) For the years ended December 31 2019 2018 2017 Net income $ 57,840 61,445 43,145 Weighted average common shares 96,849 96,505 96,111 Effect of dilutive common stock options 78 141 111 Weighted average common shares including potential dilutive shares 96,927 96,646 96,222 Basic EPS $ 0.597 0.637 0.449 Diluted EPS $ 0.597 0.636 0.448

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
	Dec. 31, 2019
Fair Value [Abstract]
Assets and Liabilities Measured at Fair Value on Recurring Basis	Assets and liabilities measured at fair value under ASC 820 on a recurring basis are summarized below: Fair Value Measurements at December 31, 2019 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) U.S. government sponsored enterprises $ 104,512 $ - $ 104,512 $ - State and political subdivisions 162 - 162 - Mortgage backed securities and collateralized mortgage obligations - residential 389,517 - 389,517 - Corporate bonds 30,436 - 30,436 - Small Business Administration - guaranteed participation securities 48,511 - 48,511 - Other 685 - 685 - $ 573,823 $ - $ 573,823 $ - Fair Value Measurements at December 31, 2018 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) U.S. government sponsored enterprises $ 152,160 $ - $ 152,160 $ - State and political subdivisions 173 - 173 - Mortgage backed securities and collateralized mortgage obligations - residential 262,032 - 262,032 - Corporate bonds 29,938 - 29,938 - Small Business Administration - guaranteed participation securities 56,475 - 56,475 - Other 685 - 685 - Total securities available for sale $ 501,463 $ - $ 501,463 $ -
Assets Measured at Fair Value on Non-Recurring Basis	Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements at December 31, 2019 Using: (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Valuation technique Unobservable inputs Range (Weighted Average) Other real estate owned $ 1,579 $ - $ - $ 1,579 Sales comparison approach Adjustments for differences between comparable sales 1% - 21% (2 %) Impaired loans: Real estate mortgage - 1 to 4 family 120 - - 120 Sales comparison approach Adjustments for differences between comparable sales 1% - 17% (9 %) Fair Value Measurements at December 31, 2018 Using: (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Valuation technique Unobservable inputs Range (Weighted Average) Other real estate owned $ 1,675 $ - $ - $ 1,675 Sales comparison approach Adjustments for differences between comparable sales 1% - 14% (7 %) Impaired loans: Real estate mortgage - 1 to 4 family 459 - - 459 Sales comparison approach Adjustments for differences between comparable sales 5% - 14% (10 %)
Carrying Amounts and Estimated Fair Values of Financial Instruments	In accordance with ASC 825, the carrying amounts and estimated fair values (exit price) of financial instruments at December 31, 2019 and 2018 are as follows: (dollars in thousands) Carrying Fair Value Measurements at December 31, 2019 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 456,846 456,846 - - 456,846 Securities available for sale 573,823 - 573,823 - 573,823 Held to maturity securities 18,618 - 19,680 - 19,680 Federal Reserve Bank and Federal Home Loan Bank stock 9,183 N/A N/A N/A N/A Net loans 4,017,879 - - 4,078,210 4,078,210 Accrued interest receivable 10,915 216 2,221 8,478 10,915 Financial liabilities: Demand deposits 463,858 463,858 - - 463,858 Interest bearing deposits 3,986,158 2,587,981 1,397,271 - 3,985,252 Short-term borrowings 148,666 - 148,666 - 148,666 Accrued interest payable 1,459 174 1,285 - 1,459 (dollars in thousands) Carrying Fair Value Measurements at December 31, 2018 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 503,709 503,709 - - 503,709 Securities available for sale 501,463 - 501,463 - 501,463 Held to maturity securities 22,501 - 22,924 - 22,924 Federal Reserve Bank and Federal Home Loan Bank stock 8,953 N/A N/A N/A N/A Net loans 3,829,330 - - 3,753,966 3,753,966 Accrued interest receivable 11,341 353 2,371 8,617 11,341 Financial liabilities: Demand deposits 405,069 405,069 - - 405,069 Interest bearing deposits 3,869,178 2,594,672 1,264,772 - 3,859,444 Short-term borrowings 161,893 - 161,893 - 161,893 Accrued interest payable 1,024 104 920 - 1,024

Regulatory Capital Requiremen_2

Regulatory Capital Requirements (Tables)	12 Months Ended
	Dec. 31, 2019
Regulatory Capital Requirements [Abstract]
Summary of Actual Capital Amounts and Ratios	The following is a summary of actual capital amounts and ratios as of December 31, 2019 and 2018, for Trustco Bank: As of December 31, 2019 Well Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio $ 516,775 9.940 % 5.000 % 4.000 % Common equity Tier 1 capital 516,775 18.412 6.500 7.000 Tier 1 risk-based capital 516,775 18.412 8.000 8.500 Total risk-based capital 551,975 19.666 10.000 10.500 As of December 31, 2018 Well Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio $ 484,581 9.767 % 5.000 % 4.000 % Common equity Tier 1 capital 484,581 18.233 6.500 6.380 Tier 1 risk-based capital 484,581 18.233 8.000 7.880 Total risk-based capital 517,948 19.489 10.000 9.880 The following is a summary of actual capital amounts and ratios as of December 31, 2019 and 2018 for TrustCo on a consolidated basis. As of December 31, 2019 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio $ 533,243 10.254 % 4.000 % Common equity Tier 1 capital 533,243 18.988 7.000 Tier 1 risk-based capital 533,243 18.988 8.500 Total risk-based capital 568,463 20.242 10.500 As of December 31, 2018 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio $ 499,626 10.129 % 4.000 % Common equity Tier 1 capital 499,626 18.790 6.380 Tier 1 risk-based capital 499,626 18.790 7.880 Total risk-based capital 533,009 20.046 9.880 (1) Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized (2) The December 31, 2019 and 2018 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent, and 1.88 percent repectively.

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss (Tables)	12 Months Ended
	Dec. 31, 2019
Accumulated Other Comprehensive Loss [Abstract]
Accumulated Other Comprehensive Loss Balances, Net of Tax	The following is a summary of the accumulated other comprehensive loss balances, net of tax: Year ended 12/31/2019 (dollars in thousands) Balance at 12/31/2018 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- year ended 12/31/2019 Balance at 12/31/2019 Net unrealized holding loss on securities available for sale, net of tax $ (10,416 ) 10,702 - 10,702 286 Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 423 4,417 - 4,417 4,840 Net change in net actuarial loss and prior service cost on pension and pension and postretirement benefit plans, net of tax (316 ) - (349 ) (349 ) (665 ) Accumulated other comprehensive income (loss), net of tax $ (10,309 ) 15,119 (349 ) 14,770 4,461 Year ended 12/31/2018 (dollars in thousands) Balance at 12/31/2017 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- year ended 12/31/2018 Balance at 12/31/2018 Net unrealized holding loss on securities available for sale, net of tax $ (5,030 ) (3,944 ) - (3,944 ) (8,974 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 3,054 (2,727 ) - (2,727 ) 327 Net change in net actuarial loss and prior service cost on pension and pension and postretirement benefit plans, net of tax 170 - (486 ) (486 ) (316 ) Tax Cuts and Jobs Act of 2017, - - (1,346 ) - (1,346 ) Accumulated other comprehensive loss, net of tax $ (1,806 ) (6,671 ) (1,832 ) (7,157 ) (10,309 ) Year ended 12/31/2017 (dollars in thousands) Balance at 12/31/2016 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- year ended 12/31/2017 Balance at 12/31/2017 Net unrealized holding loss on securities available for sale, net of tax $ (6,762 ) 1,732 - 1,732 (5,030 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 42 3,012 - 3,012 3,054 Net change in net actuarial loss and prior service cost on pension and pension and postretirement benefit plans, net of tax 469 - (299 ) (299 ) 170 Accumulated other comprehensive loss, net of tax $ (6,251 ) 4,744 (299 ) 4,445 (1,806 )
Reclassifications out of Accumulated Other Comprehensive Loss	The following represents the reclassifications out of accumulated other comprehensive loss for the years ended December 31, 2019, 2018 and 2017: (dollars in thousands) Years ended December 31, 2019 2018 2017 Affected Line Item in Financial Statements Amortization of pension and postretirement benefit items: Amortization of net actuarial gain (loss) 274 556 289 Salaries and employee benefits Amortization of prior service cost 197 100 (90 ) Salaries and employee benefits Income tax benefit (122 ) (170 ) 100 Income taxes Net of tax 349 486 299 Total reclassifications, net of tax $ 349 486 299

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	12 Months Ended
	Dec. 31, 2019
Revenue from Contracts with Customers [Abstract]
Source of Non-Interest Income	All of the Company’s revenue from contracts with customers in the scope of ASC 606 is recognized within Non-Interest Income. The following table presents the Company’s sources of Non-Interest Income for the years ended December 31, 2019 and 2018. Items outside the scope of ASC 606 are noted as such. (dollars in thousands) For the years ended December 31, 2019 2018 Non-interest income Service Charges on Deposits Overdraft fees $ 3,571 3,543 Other 459 455 Interchange Income 4,065 4,822 Wealth management fees 6,387 6,283 Other (a) 4,109 2,978 Total non-interest income $ 18,591 18,081 (a) Not within the scope of ASC 606.

Operating leases (Tables)

Operating leases (Tables)	12 Months Ended
	Dec. 31, 2019
Operating leases [Abstract]
Other Information Related to Leases	Other information related to leases was as follows: (dollars in thousands) 2019 2018 2017 Operating lease cost $ 7,808 7,988 7,889 Variable lease cost 1,968 2,000 1,889 Total Lease costs $ 9,776 $ 9,988 $ 9,778
Supplemental Cash Flows Information	Supplemental cash flows information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 7,839 Right-of-use assets obtained in exchange for lease obligations: $ 57,464 Weighted average remaining lease term 9.4 Weighted average discount rate 3.3 %
Future Minimum Lease Payments	Future minimum lease payments under non-cancellable leases as of December 31, 2019 were as follows: (dollars in thousands) Year ending December 31, 2020 $ 8,039 2021 8,033 2022 7,533 2023 7,227 2024 7,100 Thereafter 28,361 Total lease payments $ 66,293 Less: Interest 9,740 Present value of lease liabilities $ 56,553

Parent Company Only (Tables)

Parent Company Only (Tables)	12 Months Ended
	Dec. 31, 2019
Parent Company Only [Abstract]
Statements of Comprehensive Income	Statements of Comprehensive Income (dollars in thousands) Years ended December 31, 2019 2018 2017 Income: Dividends and interest from subsidiaries $ 28,340 24,920 24,510 Net gain on securities transactions - - - Miscellaneous income - - - Total income 28,340 24,920 24,510 Expense: Operating supplies 82 122 26 Professional services 651 438 122 Miscellaneous expense 2,811 1,755 2,573 Total expense 3,544 2,315 2,721 Income before income taxes and subsidiaries’ undistributed earnings 24,796 22,605 21,789 Income tax benefit (837 ) (523 ) (1,171 ) Income before subsidiaries’ undistributed earnings 25,633 23,128 22,960 Equity in undistributed earnings of subsidiaries 32,207 38,317 20,185 Net income $ 57,840 61,445 43,145 Change in other comprehensive income (loss) 14,770 (7,157 ) 4,445 Comprehensive income $ 72,610 54,288 47,590
Statements of Condition	Statements of Condition (dollars in thousands) December 31, 2019 2018 Assets: Cash in subsidiary bank $ 24,118 22,665 Investments in subsidiaries 521,802 474,838 Securities available for sale 35 35 Other assets 558 683 Total assets 546,513 498,221 Liabilities and shareholders’ equity: Accrued expenses and other liabilities 8,256 8,350 Total liabilities 8,256 8,350 Shareholders’ equity 538,257 489,871 Total liabilities and shareholders’ equity $ 546,513 498,221
Statements of Cash Flows	Statements of Cash Flows (dollars in thousands) Years ended December 31, 2019 2018 2017 Increase/(decrease) in cash and cash equivalents: Cash flows from operating activities: Net income $ 57,840 61,445 43,145 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of subsidiaries (32,207 ) (38,317 ) (20,185 ) Stock based compensation expense 5 173 150 Net change in other assets and accrued expenses 246 214 853 Total adjustments (31,956 ) (37,930 ) (19,182 ) Net cash provided by operating activities 25,884 23,515 23,963 Cash flows from financing activities: Proceeds from exercise of stock options 185 1,259 5,236 Dividends paid (26,372 ) (25,555 ) (25,184 ) Payments to acquire treasury stock (35 ) (718 ) (4,608 ) Proceeds from sales of treasury stock 1,791 2,391 2,480 Net cash used in financing activities (24,431 ) (22,623 ) (22,076 ) Net increase in cash and cash equivalents 1,453 892 1,887 Cash and cash equivalents at beginning of year 22,665 21,773 19,886 Cash and cash equivalents at end of year $ 24,118 22,665 21,773

Basis of Presentation (Details)

Basis of Presentation (Details) $ in Millions	12 Months Ended
	Dec. 31, 2019USD ($)PaymentSegment	Dec. 31, 2018USD ($)
Loans [Abstract]
Number of past due payments on loans classified as nonperforming | Payment	3
Non-payment period of loans moved to non-accrual status	90 days
Allowance for Loan Losses [Abstract]
Loan-to-value ratio applicable to additional allowance	90.00%
Other Real Estate Owned [Abstract]
Other real estate owned	$ 1.6	$ 1.7
Dividend Restrictions [Abstract]
Statutory amount available for dividend payments with regulatory approval	$ 96.7
Benefit Plans [Abstract]
Age at which company provides access to Medicare Supplemental program for retirees	65 years
Segment Reporting [Abstract]
Number of reportable segment | Segment	1
Buildings [Member] | Minimum [Member]
Bank Premises and Equipment [Abstract]
Premises and equipment, useful life	20 years
Buildings [Member] | Maximum [Member]
Bank Premises and Equipment [Abstract]
Premises and equipment, useful life	40 years
Furniture and Equipment [Member] | Minimum [Member]
Bank Premises and Equipment [Abstract]
Premises and equipment, useful life	3 years
Furniture and Equipment [Member] | Maximum [Member]
Bank Premises and Equipment [Abstract]
Premises and equipment, useful life	7 years

Balances at Other Banks (Detail

Balances at Other Banks (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Balances at Other Banks [Abstract]
Balances at other banks	$ 41.5	$ 35.8

Investment Securities, Availabl

Investment Securities, Available-for-sale Securities, Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	$ 573,432	$ 515,531
Gross Unrealized Gains	2,811	58
Gross Unrealized Losses	2,420	14,126
Fair Value	573,823	501,463
U. S. Government Sponsored Enterprises [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	104,895	154,868
Gross Unrealized Gains	36	0
Gross Unrealized Losses	419	2,708
Fair Value	104,512	152,160
State and Political Subdivisions [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	160	168
Gross Unrealized Gains	2	5
Gross Unrealized Losses	0	0
Fair Value	162	173
Mortgage-Backed Securities and Collateralized Mortgage Obligations-Residential [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	388,537	271,386
Gross Unrealized Gains	2,406	53
Gross Unrealized Losses	1,426	9,407
Fair Value	389,517	262,032
Corporate Bonds [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	30,164	30,048
Gross Unrealized Gains	367	0
Gross Unrealized Losses	95	110
Fair Value	30,436	29,938
Small Business Administration-Guaranteed Participation Securities [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	48,991	58,376
Gross Unrealized Gains	0	0
Gross Unrealized Losses	480	1,901
Fair Value	48,511	56,475
Other [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	685	685
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Fair Value	$ 685	$ 685

Investment Securities, Availa_2

Investment Securities, Available-for-sale Securities, Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Amortized Cost [Abstract]
Due in one year or less	$ 10,032
Due in one year through five years	105,854
Due after five years through ten years	20,018
Amortized Cost	573,432	$ 515,531
Fair Value [Abstract]
Due in one year or less	10,081
Due in one year through five years	105,837
Due after five years through ten years	19,877
Total securities available for sale	573,823	501,463
Mortgage-Backed Securities and Collateralized Mortgage Obligations-Residential [Member]
Amortized Cost [Abstract]
Securities, amortized cost	388,537
Amortized Cost	388,537	271,386
Fair Value [Abstract]
Securities, fair value	389,517
Total securities available for sale	389,517	262,032
Small Business Administration-Guaranteed Participation Securities [Member]
Amortized Cost [Abstract]
Securities, amortized cost	48,991
Amortized Cost	48,991	58,376
Fair Value [Abstract]
Securities, fair value	48,511
Total securities available for sale	$ 48,511	$ 56,475

Investment Securities, Availa_3

Investment Securities, Available-for-sale Securities, Gross Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	$ 140,557	$ 45,915
12 months or more - Fair Value	243,825	438,490
Total - Fair Value	384,382	484,405
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	1,201	215
12 months or more - Gross Unrealized Loss	1,219	13,911
Total - Gross Unrealized Loss	2,420	14,126
U. S. Government Sponsored Enterprises [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	19,820	29,870
12 months or more - Fair Value	74,656	112,291
Total - Fair Value	94,476	142,161
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	180	106
12 months or more - Gross Unrealized Loss	239	2,602
Total - Gross Unrealized Loss	419	2,708
Mortgage-Backed Securities and Collateralized Mortgage Obligations-Residential [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	67,322	1,102
12 months or more - Fair Value	169,169	259,729
Total - Fair Value	236,491	260,831
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	446	11
12 months or more - Gross Unrealized Loss	980	9,396
Total - Gross Unrealized Loss	1,426	9,407
Corporate Bonds [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	4,905	14,943
12 months or more - Fair Value	0	9,995
Total - Fair Value	4,905	24,938
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	95	98
12 months or more - Gross Unrealized Loss	0	12
Total - Gross Unrealized Loss	95	110
Small Business Administration-Guaranteed Participation Securities [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	48,510	0
12 months or more - Fair Value	0	56,475
Total - Fair Value	48,510	56,475
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	480	0
12 months or more - Gross Unrealized Loss	0	1,901
Total - Gross Unrealized Loss	$ 480	$ 1,901

Investment Securities, Availa_4

Investment Securities, Available-for-sale Securities, Transaction Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Proceeds from calls/paydowns of securities available for sale [Abstract]
Proceeds from calls/paydowns	$ 192,003	$ 78,230	$ 124,624
Proceeds from sales	0	0	0
Realized gains	0	0	0
Realized losses	0	0	$ 0
Securities available for sale pledged to secure short-term borrowings and for other purposes	$ 207,500	$ 205,500

Investment Securities, Held-to-

Investment Securities, Held-to-maturity Securities, Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	$ 18,618	$ 22,501
Gross Unrecognized Gains	1,062	577
Gross Unrecognized Losses	0	154
Fair Value	19,680	22,924
Mortgage-Backed Securities and Collateralized Mortgage Obligations-Residential [Member]
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	18,618	22,501
Gross Unrecognized Gains	1,062	577
Gross Unrecognized Losses	0	154
Fair Value	$ 19,680	$ 22,924

Investment Securities, Held-t_2

Investment Securities, Held-to-maturity Securities, Maturity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Amortized Cost [Abstract]
Amortized Cost	$ 18,618	$ 22,501
Fair Value [Abstract]
Fair Value	19,680	22,924
Held-to-maturity, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months - Fair value	0	11,000
Less than 12 months - Gross unrealized Loss		154
Sales and transfers of held to maturity securities	0	0
Other-than-temporary impairment losses recognized	0
Mortgage-Backed Securities and Collateralized Mortgage Obligations-Residential [Member]
Amortized Cost [Abstract]
Securities, amortized cost	18,618
Amortized Cost	18,618	22,501
Fair Value [Abstract]
Securities, fair value	19,680
Fair Value	$ 19,680	$ 22,924

Investment Securities, Concentr

Investment Securities, Concentrations (Details) - Stockholders' Equity [Member] $ in Thousands	Dec. 31, 2019USD ($)
Federal National Mortgage Association [Member]
Securities Held in Available for Sale and Held to Maturity Portfolios that Represent Greater than 10% of Shareholders Equity [Abstract]
Amortized cost	$ 240,324
Fair value	239,846
Federal Home Loan Mortgage Corporation [Member]
Securities Held in Available for Sale and Held to Maturity Portfolios that Represent Greater than 10% of Shareholders Equity [Abstract]
Amortized cost	96,989
Fair value	97,177
Government National Mortgage Association [Member]
Securities Held in Available for Sale and Held to Maturity Portfolios that Represent Greater than 10% of Shareholders Equity [Abstract]
Amortized cost	99,742
Fair value	101,927
Federal Farm Credit Bureau [Member]
Securities Held in Available for Sale and Held to Maturity Portfolios that Represent Greater than 10% of Shareholders Equity [Abstract]
Amortized cost	54,995
Fair value	$ 54,757

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses, Recorded Investment in Loans (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Loans and Leases Receivable [Abstract]
Total loans, net		$ 4,062,196	$ 3,874,096
Less: Allowance for loan losses		44,317	44,766	$ 44,170	$ 43,890
Net loans		4,017,879	3,829,330
Due from officers		4,400	5,500
New loans		1,000
Repayments of loans		2,100
New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1]	3,022,936	2,948,069
Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		1,039,260	926,027
Real Estate Construction Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		28,500	26,700
Residential Borrowers [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		10,700	14,200
Commercial Borrowers Residential Purpose [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		17,800	12,500
Commercial [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		199,499	196,146
Less: Allowance for loan losses		3,999	4,048	4,324	4,929
Commercial [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[2]	181,512	180,608
Commercial [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		17,987	15,538
Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		179,938	171,553
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1],[2]	162,186	156,278
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		17,752	15,275
Commercial [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		19,561	24,593
Commercial [Member] | Other [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1],[2]	19,326	24,330
Commercial [Member] | Other [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		235	263
Real Estate Mortgage - 1 to 4 Family [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		3,851,696	3,666,248
Less: Allowance for loan losses		39,748	39,772	39,077	38,231
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		3,495,435	3,287,877
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1]	2,541,440	2,442,711
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		953,995	845,166
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		88,339	88,831
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1]	69,791	71,523
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		18,548	17,308
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		267,922	289,540
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1]	221,487	243,765
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		46,435	45,775
Installment [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		11,001	11,702
Less: Allowance for loan losses		570	946	$ 769	$ 730
Installment [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1]	8,706	9,462
Installment [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		$ 2,295	$ 2,240
[1]	Includes New York, New Jersey, Vermont and Massachusetts.
[2]	Includes New York, New Jersey and Massachusetts.

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses, Non-accrual Loans, by Loan Class (Details) - USD ($) $ in Thousands		Dec. 31, 2019	Dec. 31, 2018
Non accrual loans by loan class [Abstract]
Total non-accrual loans		$ 20,840	$ 24,952
Restructured real estate mortgages - 1 to 4 family		29	34
Total nonperforming loans		20,869	24,986
Other real estate owned		1,200	1,100
New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	19,226	23,022
Restructured real estate mortgages - 1 to 4 family	[1]	29	34
Total nonperforming loans	[1]	19,255	23,056
Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		1,614	1,930
Restructured real estate mortgages - 1 to 4 family		0	0
Total nonperforming loans		1,614	1,930
Residential Real Estate [Member]
Non accrual loans by loan class [Abstract]
Non accrual residential mortgage loans in the process of foreclosure		8,700	12,400
Commercial [Member] | Commercial Real Estate [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		733	639
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	733	639
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		0	0
Commercial [Member] | Other [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		83	6
Commercial [Member] | Other [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	83	6
Commercial [Member] | Other [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		0	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		16,853	20,014
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	15,385	18,202
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		1,468	1,812
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		266	247
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	218	247
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		48	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		2,902	4,027
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	2,804	3,924
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		98	103
Installment [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		3	19
Installment [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	3	4
Installment [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		$ 0	$ 15
[1]	Includes New York, New Jersey, Vermont and Massachusetts.

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses, Past Due (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		$ 19,180	$ 23,269
Current		4,043,016	3,850,827
Total loans		4,062,196	3,874,096
Loans that are 90 days past due and still accruing interest		$ 0	$ 0
Number of days past due		90 days	90 days
New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	$ 17,828	$ 21,550
Current	[1]	3,005,108	2,926,519
Total loans	[1]	3,022,936	2,948,069
Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,352	1,719
Current		1,037,908	924,308
Total loans		1,039,260	926,027
30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		4,802	5,158
30 to 59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	4,117	4,639
30 to 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		685	519
60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		456	1,783
60 to 89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	456	1,369
60 to 89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	414
90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		13,922	16,328
90+ Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	13,255	15,542
90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		667	786
Commercial [Member]
Aging of the recorded investment in past due loans [Abstract]
Total loans		199,499	196,146
Commercial [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total loans	[2]	181,512	180,608
Commercial [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total loans		17,987	15,538
Commercial [Member] | Commercial Real Estate [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		758	568
Current		179,180	170,985
Total loans		179,938	171,553
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	758	568
Current	[1]	161,428	155,710
Total loans	[1],[2]	162,186	156,278
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Current		17,752	15,275
Total loans		17,752	15,275
Commercial [Member] | Commercial Real Estate [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		141	198
Commercial [Member] | Commercial Real Estate [Member] | 30 to 59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	141	198
Commercial [Member] | Commercial Real Estate [Member] | 30 to 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Commercial [Member] | Commercial Real Estate [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Commercial [Member] | Commercial Real Estate [Member] | 60 to 89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	0	0
Commercial [Member] | Commercial Real Estate [Member] | 60 to 89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Commercial [Member] | Commercial Real Estate [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		617	370
Commercial [Member] | Commercial Real Estate [Member] | 90+ Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	617	370
Commercial [Member] | Commercial Real Estate [Member] | 90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Commercial [Member] | Other [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		113	0
Current		19,448	24,593
Total loans		19,561	24,593
Commercial [Member] | Other [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	113	0
Current	[1]	19,213	24,330
Total loans	[1],[2]	19,326	24,330
Commercial [Member] | Other [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Current		235	263
Total loans		235	263
Commercial [Member] | Other [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		80	0
Commercial [Member] | Other [Member] | 30 to 59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	80	0
Commercial [Member] | Other [Member] | 30 to 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Commercial [Member] | Other [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Commercial [Member] | Other [Member] | 60 to 89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	0	0
Commercial [Member] | Other [Member] | 60 to 89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Commercial [Member] | Other [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		33	0
Commercial [Member] | Other [Member] | 90+ Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	33	0
Commercial [Member] | Other [Member] | 90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Real Estate Mortgage - 1 to 4 Family [Member]
Aging of the recorded investment in past due loans [Abstract]
Total loans		3,851,696	3,666,248
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		16,223	18,986
Current		3,479,212	3,268,891
Total loans		3,495,435	3,287,877
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	15,064	17,441
Current	[1]	2,526,376	2,425,270
Total loans	[1]	2,541,440	2,442,711
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,159	1,545
Current		952,836	843,621
Total loans		953,995	845,166
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		3,986	3,693
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30 to 59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	3,444	3,276
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30 to 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		542	417
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		292	1,305
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60 to 89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	292	898
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60 to 89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	407
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		11,945	13,988
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 90+ Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	11,328	13,267
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		617	721
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		386	514
Current		87,953	88,317
Total loans		88,339	88,831
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	323	464
Current	[1]	69,468	71,059
Total loans	[1]	69,791	71,523
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		63	50
Current		18,485	17,258
Total loans		18,548	17,308
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		246	208
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30 to 59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	183	158
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30 to 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		63	50
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		7	94
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 60 to 89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	7	94
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 60 to 89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		133	212
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 90+ Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	133	212
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,652	3,092
Current		266,270	286,448
Total loans		267,922	289,540
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	1,522	3,002
Current	[1]	219,965	240,763
Total loans	[1]	221,487	243,765
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		130	90
Current		46,305	45,685
Total loans		46,435	45,775
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		312	1,003
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 30 to 59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	232	963
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 30 to 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		80	40
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		149	348
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60 to 89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	149	348
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60 to 89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,191	1,741
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 90+ Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	1,141	1,691
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		50	50
Installment [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		48	109
Current		10,953	11,593
Total loans		11,001	11,702
Installment [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	48	75
Current	[1]	8,658	9,387
Total loans	[1]	8,706	9,462
Installment [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	34
Current		2,295	2,206
Total loans		2,295	2,240
Installment [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		37	56
Installment [Member] | 30 to 59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	37	44
Installment [Member] | 30 to 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	12
Installment [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		8	36
Installment [Member] | 60 to 89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	8	29
Installment [Member] | 60 to 89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	7
Installment [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		3	17
Installment [Member] | 90+ Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due	[1]	3	2
Installment [Member] | 90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		$ 0	$ 15
[1]	Includes New York, New Jersey, Vermont and Massachusetts.
[2]	Includes New York, New Jersey and Massachusetts.

Loans and Allowance for Loan _6

Loans and Allowance for Loan Losses, Allowance for Loan Losses (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		$ 44,766	$ 44,170	$ 43,890
Loans charged off [Abstract]
Total loan charge offs		1,207	1,203	2,511
Recoveries of loans previously charged off [Abstract]
Total recoveries		599	399	791
Net loans charged off (recoveries)		608	804	1,720
Provision (recoveries) for loan losses		159	1,400	2,000
Balance at end of period		44,317	44,766	44,170
New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	1,130	1,170	2,325
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	563	390	718
Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		77	33	186
Recoveries of loans previously charged off [Abstract]
Total recoveries		36	9	73
Commercial [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		4,048	4,324	4,929
Loans charged off [Abstract]
Total loan charge offs		20	100	72
Recoveries of loans previously charged off [Abstract]
Total recoveries		46	10	96
Net loans charged off (recoveries)		(26)	90	(24)
Provision (recoveries) for loan losses		(75)	(186)	(629)
Balance at end of period		3,999	4,048	4,324
Commercial [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	20	100	72
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	46	10	96
Commercial [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		0	0	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	0	0
Real Estate Mortgage - 1 to 4 Family [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		39,772	39,077	38,231
Loans charged off [Abstract]
Total loan charge offs		974	846	2,220
Recoveries of loans previously charged off [Abstract]
Total recoveries		532	351	669
Net loans charged off (recoveries)		442	495	1,551
Provision (recoveries) for loan losses		418	1,190	2,397
Balance at end of period		39,748	39,772	39,077
Real Estate Mortgage - 1 to 4 Family [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	945	846	2,053
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	496	348	596
Real Estate Mortgage - 1 to 4 Family [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		29	0	167
Recoveries of loans previously charged off [Abstract]
Total recoveries		36	3	73
Installment [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		946	769	730
Loans charged off [Abstract]
Total loan charge offs		213	257	219
Recoveries of loans previously charged off [Abstract]
Total recoveries		21	38	26
Net loans charged off (recoveries)		192	219	193
Provision (recoveries) for loan losses		(184)	396	232
Balance at end of period		570	946	769
Installment [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	165	224	200
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	21	32	26
Installment [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		48	33	19
Recoveries of loans previously charged off [Abstract]
Total recoveries		$ 0	$ 6	$ 0
[1]	Includes New York, New Jersey, Vermont and Massachusetts.

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses, Based on Impairment Review Method (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	$ 0	$ 0
Collectively evaluated for impairment	44,317	44,766
Total ending allowance balance	44,317	44,766	$ 44,170	$ 43,890
Loans [Abstract]
Individually evaluated for impairment	20,976	22,288
Collectively evaluated for impairment	4,041,220	3,851,808
Total ending loans balance	4,062,196	3,874,096
Commercial [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	3,999	4,048
Total ending allowance balance	3,999	4,048	4,324	4,929
Loans [Abstract]
Individually evaluated for impairment	1,437	1,424
Collectively evaluated for impairment	198,062	194,722
Total ending loans balance	199,499	196,146
1 to 4 Family Residential Real Estate [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	39,748	39,772
Total ending allowance balance	39,748	39,772	39,077	38,231
Loans [Abstract]
Individually evaluated for impairment	19,539	20,864
Collectively evaluated for impairment	3,832,157	3,645,384
Total ending loans balance	3,851,696	3,666,248
Installment [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	570	946
Total ending allowance balance	570	946	$ 769	$ 730
Loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	11,001	11,702
Total ending loans balance	$ 11,001	$ 11,702

Loans and Allowance for Loan _8

Loans and Allowance for Loan Losses, Impaired Receivables (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
Impaired loans by loans class [Abstract]
Recorded Investment		$ 20,976	$ 22,288
Unpaid Principal Balance		21,578	23,309
Related Allowance		0	0
Average Recorded Investment		20,963	23,161
New York and Other States [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	[1]	18,141	19,546
Unpaid Principal Balance	[1]	18,743	20,461
Related Allowance	[1]	0	0
Average Recorded Investment	[1]	18,296	20,237
Florida [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		2,835	2,742
Unpaid Principal Balance		2,835	2,848
Related Allowance		0	0
Average Recorded Investment		2,667	2,924
Commercial [Member] | Commercial Real Estate [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		1,322	1,386
Unpaid Principal Balance		1,464	1,556
Related Allowance		0	0
Average Recorded Investment		1,467	1,560
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	[1]	1,217	1,274
Unpaid Principal Balance	[1]	1,359	1,444
Related Allowance	[1]	0	0
Average Recorded Investment	[1]	1,385	1,503
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		105	112
Unpaid Principal Balance		105	112
Related Allowance		0	0
Average Recorded Investment		82	57
Commercial [Member] | Other [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		115	38
Unpaid Principal Balance		115	88
Related Allowance		0	0
Average Recorded Investment		64	123
Commercial [Member] | Other [Member] | New York and Other States [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	[1]	115	38
Unpaid Principal Balance	[1]	115	88
Related Allowance	[1]	0	0
Average Recorded Investment	[1]	38	123
Commercial [Member] | Other [Member] | Florida [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		0	0
Unpaid Principal Balance		0	0
Related Allowance		0	0
Average Recorded Investment		26	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		16,900	17,503
Unpaid Principal Balance		17,200	18,060
Related Allowance		0	0
Average Recorded Investment		16,617	18,032
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	[1]	14,414	15,210
Unpaid Principal Balance	[1]	14,714	15,661
Related Allowance	[1]	0	0
Average Recorded Investment	[1]	14,358	15,577
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		2,486	2,293
Unpaid Principal Balance		2,486	2,399
Related Allowance		0	0
Average Recorded Investment		2,259	2,455
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		235	336
Unpaid Principal Balance		255	356
Related Allowance		0	0
Average Recorded Investment		292	348
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | New York and Other States [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	[1]	235	252
Unpaid Principal Balance	[1]	255	272
Related Allowance	[1]	0	0
Average Recorded Investment	[1]	241	262
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		0	84
Unpaid Principal Balance		0	84
Related Allowance		0	0
Average Recorded Investment		51	86
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		2,404	3,025
Unpaid Principal Balance		2,544	3,249
Related Allowance		0	0
Average Recorded Investment		2,523	3,098
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	[1]	2,160	2,772
Unpaid Principal Balance	[1]	2,300	2,996
Related Allowance	[1]	0	0
Average Recorded Investment	[1]	2,274	2,772
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		244	253
Unpaid Principal Balance		244	253
Related Allowance		0	0
Average Recorded Investment		$ 249	$ 326
[1]	Includes New York, New Jersey, Vermont and Massachusetts.

Loans and Allowance for Loan _9

Loans and Allowance for Loan Losses, Troubled Debt Restructurings (Details) $ in Thousands		12 Months Ended
		Dec. 31, 2019USD ($)Contract	Dec. 31, 2018USD ($)Contract	Dec. 31, 2017USD ($)Contract
Financing Receivable Modifications Information [Abstract]
TDR's classifications from previously performing loans		$ 11,100	$ 11,100
New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	[1]	21	30	69
Pre-Modification Outstanding Recorded Investment	[1]	$ 2,981	$ 3,427	$ 7,003
Post-Modification Outstanding Recorded Investment	[1]	$ 2,981	$ 3,427	$ 7,003
Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract		6	1	12
Pre-Modification Outstanding Recorded Investment		$ 632	$ 35	$ 1,171
Post-Modification Outstanding Recorded Investment		$ 632	$ 35	$ 1,171
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	[1]	1	6	4
Pre-Modification Outstanding Recorded Investment	[1]	$ 125	$ 747	$ 426
Post-Modification Outstanding Recorded Investment	[1]	$ 125	$ 747	$ 426
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	[1]	18	18	44
Pre-Modification Outstanding Recorded Investment	[1]	$ 2,621	$ 2,349	$ 5,653
Post-Modification Outstanding Recorded Investment	[1]	$ 2,621	$ 2,349	$ 5,653
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract		6	1	10
Pre-Modification Outstanding Recorded Investment		$ 632	$ 35	$ 1,076
Post-Modification Outstanding Recorded Investment		$ 632	$ 35	$ 1,076
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	[1]	0	1	3
Pre-Modification Outstanding Recorded Investment	[1]	$ 0	$ 6	$ 56
Post-Modification Outstanding Recorded Investment	[1]	$ 0	$ 6	$ 56
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract		0	0	0
Pre-Modification Outstanding Recorded Investment		$ 0	$ 0	$ 0
Post-Modification Outstanding Recorded Investment		$ 0	$ 0	$ 0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	[1]	2	5	18
Pre-Modification Outstanding Recorded Investment	[1]	$ 235	$ 325	$ 868
Post-Modification Outstanding Recorded Investment	[1]	$ 235	$ 325	$ 868
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract		0	0	2
Pre-Modification Outstanding Recorded Investment		$ 0	$ 0	$ 95
Post-Modification Outstanding Recorded Investment		$ 0	$ 0	$ 95
[1]	Includes New York, New Jersey, Vermont and Massachusetts.

Loans and Allowance for Loan_10

Loans and Allowance for Loan Losses, Modified Loans Payment Status (Details) $ in Thousands		12 Months Ended
		Dec. 31, 2019USD ($)Contract	Dec. 31, 2018USD ($)Contract	Dec. 31, 2017USD ($)Contract
Loans modified for which there was payment default [Abstract]
Deferral period of chapter 13 bankruptcies		60 months
Number of days past due when loans are considered to be in payment default		90 days
Contractual past due period for loans to be in payment default		30 days
New York and Other States [Member]
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract	[1]	2	1	2
Recorded Investment | $	[1]	$ 418	$ 101	$ 75
Florida [Member]
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract		0	0	0
Recorded Investment | $		$ 0	$ 0	$ 0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract	[1]	2	1	1
Recorded Investment | $	[1]	$ 418	$ 101	$ 72
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract		0	0	0
Recorded Investment | $		$ 0	$ 0	$ 0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | New York and Other States [Member]
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract	[1]	0	0	0
Recorded Investment | $	[1]	$ 0	$ 0	$ 0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract	[1]	0	0	1
Recorded Investment | $	[1]	$ 0	$ 0	$ 3
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract		0	0	0
Recorded Investment | $		$ 0	$ 0	$ 0
[1]	Includes New York, New Jersey, Vermont and Massachusetts.

Loans and Allowance for Loan_11

Loans and Allowance for Loan Losses, Risk Category of Loans (Details) - USD ($) $ in Thousands		Dec. 31, 2019	Dec. 31, 2018
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		$ 4,062,196	$ 3,874,096
Impaired loans included in classified loans		816	645
New York and Other States [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net	[1]	3,022,936	2,948,069
Florida [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		1,039,260	926,027
Commercial [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		199,499	196,146
Commercial [Member] | New York and Other States [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net	[2]	181,512	180,608
Commercial [Member] | Florida [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		17,987	15,538
Commercial [Member] | Pass [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		193,651	190,156
Commercial [Member] | Pass [Member] | New York and Other States [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net	[2]	175,664	174,730
Commercial [Member] | Pass [Member] | Florida [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		17,987	15,426
Commercial [Member] | Classified [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		5,848	5,990
Commercial [Member] | Classified [Member] | New York and Other States [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net	[2]	5,848	5,878
Commercial [Member] | Classified [Member] | Florida [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		0	112
Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		179,938	171,553
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net	[1],[2]	162,186	156,278
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		17,752	15,275
Commercial [Member] | Commercial Real Estate [Member] | Pass [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		175,032	166,568
Commercial [Member] | Commercial Real Estate [Member] | Pass [Member] | New York and Other States [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net	[2]	157,280	151,405
Commercial [Member] | Commercial Real Estate [Member] | Pass [Member] | Florida [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		17,752	15,163
Commercial [Member] | Commercial Real Estate [Member] | Classified [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		4,906	4,985
Commercial [Member] | Commercial Real Estate [Member] | Classified [Member] | New York and Other States [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net	[2]	4,906	4,873
Commercial [Member] | Commercial Real Estate [Member] | Classified [Member] | Florida [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		0	112
Commercial [Member] | Other [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		19,561	24,593
Commercial [Member] | Other [Member] | New York and Other States [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net	[1],[2]	19,326	24,330
Commercial [Member] | Other [Member] | Florida [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		235	263
Commercial [Member] | Other [Member] | Pass [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		18,619	23,588
Commercial [Member] | Other [Member] | Pass [Member] | New York and Other States [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net	[2]	18,384	23,325
Commercial [Member] | Other [Member] | Pass [Member] | Florida [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		235	263
Commercial [Member] | Other [Member] | Classified [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		942	1,005
Commercial [Member] | Other [Member] | Classified [Member] | New York and Other States [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net	[2]	942	1,005
Commercial [Member] | Other [Member] | Classified [Member] | Florida [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		$ 0	$ 0
[1]	Includes New York, New Jersey, Vermont and Massachusetts.
[2]	Includes New York, New Jersey and Massachusetts.

Bank Premises and Equipment (De

Bank Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Property Plant and Equipment Information [Abstract]
Total bank premises and equipment	$ 125,003	$ 121,336
Accumulated depreciation and amortization	(90,381)	(86,642)
Total	34,622	34,694
Depreciation and amortization expense	4,000	4,100	$ 3,800
Occupancy expense of the Bank's premises included rental expense	7,800	8,000	$ 7,800
Land [Member]
Property Plant and Equipment Information [Abstract]
Total bank premises and equipment	2,337	2,308
Buildings [Member]
Property Plant and Equipment Information [Abstract]
Total bank premises and equipment	36,245	34,969
Furniture, Fixtures and Equipment [Member]
Property Plant and Equipment Information [Abstract]
Total bank premises and equipment	54,245	52,153
Leasehold Improvements [Member]
Property Plant and Equipment Information [Abstract]
Total bank premises and equipment	$ 32,176	$ 31,906

Deposits (Details)

Deposits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Interest Expense, Deposits [Abstract]
Interest bearing checking accounts	$ 288	$ 442	$ 478
Savings accounts	1,338	1,657	1,729
Time deposits and money market accounts	33,227	16,859	10,983
Total	34,853	18,958	$ 13,190
Maturity of Time Deposits [Abstract]
Under 1 year	1,268,816
1 to 2 years	114,098
2 to 3 years	8,706
3 to 4 years	3,619
4 to 5 years	2,741
Over 5 years	197
Total time deposits	1,398,177	1,274,506
Amount included in time deposits with balance in excess of $250,000	$ 227,600	$ 182,200

Short-Term Borrowings (Details)

Short-Term Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Short-term Debt [Abstract]
Amount outstanding	$ 148,666	$ 161,893
Federal Home Loan Bank of New York [Member]
Short-term Debt [Abstract]
Amount outstanding	0	0
Federal Reserve Bank of New York [Member]
Short-term Debt [Abstract]
Amount outstanding	0	0
Cash Management [Member]
Short-term Debt [Abstract]
Amount outstanding	148,666	161,893	$ 242,991
Maximum amount outstanding at any month end	169,214	233,522	252,996
Average amount outstanding	$ 159,220	$ 194,810	$ 228,086
Weighted average interest rate, For the year	0.92%	0.65%	0.61%
Weighted average interest rate, As of year end	0.90%	0.95%	0.62%

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Current tax expense [Abstract]
Federal	$ 15,171	$ 13,897	$ 26,510
State	2,359	1,756	2,221
Total current tax expense	17,530	15,653	28,731
Enactment of Federal Tax Reform	0	0	5,054
Deferred tax expense (benefit)	1,139	2,556	(183)
Total income tax expense	18,669	18,209	33,602
Components of deferred tax assets and liabilities [Abstract]
Benefits and deferred remuneration	(5,156)	(5,204)
Difference in reporting the allowance for loan losses, net	11,385	12,082
Other income or expense not yet reported for tax purposes	(314)	(210)
Depreciable assets	(2,347)	(1,961)
Net deferred tax asset at end of year	3,568	4,707	7,263
Net deferred tax asset at beginning of year	4,707	7,263
Deferred tax expense	1,139	2,556	$ (183)
Deferred tax assets, unrealized losses on available-for-sale securities		3,700
Deferred tax liabilities, unrealized losses on available-for-sale securities	(101)
Deferred tax liabilities, unrecognized overfunded position in company's pension and postretirement benefit plans	(1,400)	$ (200)
Tax Cuts and Jobs Act [Abstract]
Re-measurement of deferred tax asset, Provisional income tax expense	$ 5,100
Reconciliation from statutory federal income tax rate to effective tax rate [Abstract]
Statutory federal income tax rate	21.00%	21.00%	35.00%
Increase/(decrease) in taxes resulting from [Abstract]
Tax exempt income	0.00%	(0.10%)	(0.10%)
State income tax, net of federal tax benefit	2.60%	2.40%	1.60%
Enactment of Federal Tax Reform	0.00%	0.00%	6.60%
Other items	0.80%	(0.40%)	0.70%
Effective income tax rate	24.40%	22.90%	43.80%
Deferred tax assets temporary differences [Abstract]
Deferred tax liabilities, fixed assets temporary differences	$ 880
Annual deduction for compensation paid to employee	$ 1,000
Federal [Member] | Minimum [Member]
Open Tax Years [Abstract]
Open tax year	2016
Federal [Member] | Maximum [Member]
Open Tax Years [Abstract]
Open tax year	2019
New York State [Member] | Minimum [Member]
Open Tax Years [Abstract]
Open tax year	2016
New York State [Member] | Maximum [Member]
Open Tax Years [Abstract]
Open tax year	2019

Benefit Plans, Change in Projec

Benefit Plans, Change in Projected Benefit Obligation, Plan Assets and Funded Status Reconciliation (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)h	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Retirement Plan [Member]
Defined benefit plan [Abstract]
Requisite minimum period of employment	1 year
Requisite minimum hours of service | h	1,000
Number of consecutive years in highest compensation preceding retirement	5 years
Period preceding retirement considered in calculating benefits	10 years
Change in benefit obligation [Roll Forward]
Projected benefit obligation at beginning of year	$ 28,518	$ 31,219
Service cost	42	34	$ 42
Interest cost	1,244	1,197	1,303
Benefit payments and expected expenses	(1,798)	(1,937)
Net actuarial loss (gain)	2,818	(1,995)
Projected benefit obligation at end of year	30,824	28,518	31,219
Change in plan assets and reconciliation of funded status [Roll Forward]
Fair Value of plan assets at beginning of year	44,157	47,227
Actual (loss) gain on plan assets	8,902	(1,126)
Benefit payments and actual expenses	(1,795)	(1,944)
Fair value of plan assets at end of year	51,264	44,157	47,227
Funded status at end of year	20,440	15,639
Postretirement Benefits [Member]
Change in benefit obligation [Roll Forward]
Service cost	65	53	103
Interest cost	239	202	218
Net actuarial loss (gain)	603	(290)
Change in plan assets and reconciliation of funded status [Roll Forward]
Fair Value of plan assets at beginning of year	22,091	22,922
Actual (loss) gain on plan assets	4,285	(798)
Company contributions	155	145
Benefits paid	(173)	(178)
Fair value of plan assets at end of year	26,358	22,091	$ 22,922
Funded status at end of year	$ 20,224	$ 16,691

Benefit Plans, Plan Disclosures

Benefit Plans, Plan Disclosures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Components of the net periodic pension income and other amounts recognized in other comprehensive (loss) income [Abstract]
Amortization of prior service credit (cost)	$ 197	$ 100	$ (90)
Prior service cost		705
Retirement Plan [Member]
Amounts recognized in accumulated other comprehensive loss [Abstract]
Net actuarial loss	1,787	5,122
Accumulated benefit obligation for pension benefits	30,800	28,500
Components of the net periodic pension income and other amounts recognized in other comprehensive (loss) income [Abstract]
Service cost	42	34	42
Interest cost	1,244	1,197	1,303
Expected return on plan assets	(2,811)	(3,012)	(2,742)
Amortization of net loss (gain)	59	0	67
Net periodic pension credit	(1,466)	(1,781)	(1,330)
Net actuarial (gain) loss included in other comprehensive (loss) income	(3,275)	2,149	(2,240)
Amortization of prior service credit (cost)	0	0
Prior service cost		0
Amortization of net (loss)	(59)	0	(67)
Total recognized in other comprehensive (loss) income	(3,334)	2,149	(2,307)
Total amount recognized in net periodic benefit (credit) cost and other comprehensive (loss) income	(4,800)	368	(3,637)
Amounts of Net Gain that will be amortized from accumulated other comprehensive income (loss) in next fiscal year	77
Postretirement Benefits [Member]
Amounts recognized in accumulated other comprehensive loss [Abstract]
Accumulated benefit obligation for pension benefits	6,134	5,400	5,613
Components of the net periodic pension income and other amounts recognized in other comprehensive (loss) income [Abstract]
Service cost	65	53	103
Interest cost	239	202	218
Expected return on plan assets	(990)	(1,028)	(761)
Amortization of net loss (gain)	(333)	(556)	(356)
Amortization of prior service (credit) cost	(197)	(100)	90
Net periodic pension credit	(1,216)	(1,429)	(706)
Net actuarial (gain) loss included in other comprehensive (loss) income	(2,692)	830	(1,584)
Amortization of prior service credit (cost)	197	100	(90)
Prior service cost	0	705	0
Amortization of net gain	333	556	356
Total recognized in other comprehensive (loss) income	(2,162)	2,191	(1,318)
Total amount recognized in net periodic benefit (credit) cost and other comprehensive (loss) income	(3,378)	$ 762	$ (2,024)
Amounts of Net Gain that will be amortized from accumulated other comprehensive income (loss) in next fiscal year	663
Amount of prior service credit that will be amortized from accumulated other comprehensive income (loss) in next fiscal year	$ 196

Benefit Plans, Estimated Future

Benefit Plans, Estimated Future Benefit Payments, Assumptions and Change in Obligation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Retirement Plan [Member]
Estimated future benefit payments [Abstract]
2020	$ 1,762
2021	1,810
2022	1,793
2023	1,781
2024	1,790
2025 - 2029	$ 9,002
Assumptions used to determine benefit obligation [Abstract]
Discount rate	3.56%	4.53%	3.93%
Assumptions used to determine net periodic pension expense [Abstract]
Discount rate	4.53%	3.93%	4.41%
Expected long-term rate of return on assets	6.50%	6.50%	6.50%
Change in benefit obligation [Rollforward]
Accumulated benefit obligation at beginning of year	$ 28,500
Service cost	42	$ 34	$ 42
Interest cost	1,244	1,197	$ 1,303
Net actuarial loss (gain)	2,818	(1,995)
Accumulated benefit obligation at end of year	30,800	$ 28,500
Postretirement Benefits [Member]
Estimated future benefit payments [Abstract]
2020	161
2021	134
2022	147
2023	163
2024	181
2025 - 2029	$ 1,295
Assumptions used to determine benefit obligation [Abstract]
Discount rate	3.56%	4.53%	3.93%
Assumptions used to determine net periodic pension expense [Abstract]
Discount rate	4.53%	3.93%	4.41%
Expected long-term rate of return on assets	4.50%	4.50%	3.75%
Change in benefit obligation [Rollforward]
Accumulated benefit obligation at beginning of year	$ 5,400	$ 5,613
Service cost	65	53	$ 103
Interest cost	239	202	218
Benefits paid	(173)	(178)
Net actuarial loss (gain)	603	(290)
Accumulated benefit obligation at end of year	6,134	5,400	5,613
Supplementary Pension Plan [Member]
Pension and Other Postretirement Benefits Cost [Abstract]
Plan expense	1,900	1,400	$ 1,100
Assets Held-in-trust [Abstract]
Assets held in trust	2,400	2,500
Change in benefit obligation [Rollforward]
Accumulated benefit obligation at beginning of year	2,300
Accumulated benefit obligation at end of year	$ 2,300	$ 2,300

Benefit Plans, Health Care Cost

Benefit Plans, Health Care Cost Trend Rate and Other Comprehensive Income Disclosures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Change in component of other comprehensive (loss) income related to the retirement plan or the post-retirement benefit plan [Abstract]
Change in overfunded position of pension and postretirement benefits	$ (5,967)	$ 2,979
Prior service cost		705
Amortization of net actuarial (loss) gain	274	556	$ 289
Amortization of prior service credit	197	100	(90)
Total	(5,496)	4,340
Retirement Plan [Member]
Change in component of other comprehensive (loss) income related to the retirement plan or the post-retirement benefit plan [Abstract]
Change in overfunded position of pension and postretirement benefits	(3,275)	2,149
Prior service cost		0
Amortization of net actuarial (loss) gain	(59)	0
Amortization of prior service credit	0	0
Total	(3,334)	2,149
Postretirement Benefits [Member]
Effect of one-percentage point change in assumed health care cost trend rates [Abstract]
Effect of one percentage point increase on in assumed health care cost	1,000
Effect of one percentage point decrease on in assumed health care cost	(954)
Effect of one percentage point increase on in interest and service components	61
Effect of one percentage point decrease on in interest and service components	(48)
Change in component of other comprehensive (loss) income related to the retirement plan or the post-retirement benefit plan [Abstract]
Change in overfunded position of pension and postretirement benefits	(2,692)	830
Prior service cost	0	705	0
Amortization of net actuarial (loss) gain	333	556
Amortization of prior service credit	197	100	$ (90)
Total	$ (2,162)	$ 2,191

Benefit Plans, Allocation of Pl

Benefit Plans, Allocation of Plan Assets (Details)	Dec. 31, 2019	Dec. 31, 2018
Retirement Plan [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	100.00%	100.00%
Retirement Plan [Member] | Debt Securities [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	33.00%	31.00%
Retirement Plan [Member] | Equity Securities [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	63.00%	62.00%
Retirement Plan [Member] | Other [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	4.00%	7.00%
Postretirement Benefits [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	100.00%	100.00%
Postretirement Benefits [Member] | Debt Securities [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	34.00%	29.00%
Postretirement Benefits [Member] | Equity Securities [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	63.00%	62.00%
Postretirement Benefits [Member] | Other [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	3.00%	9.00%
Pension and Postretirement Plans [Member] | Debt Securities [Member] | Minimum [Member]
Assets target allocations [Abstract]
Target allocations range	25.00%
Pension and Postretirement Plans [Member] | Debt Securities [Member] | Maximum [Member]
Assets target allocations [Abstract]
Target allocations range	40.00%
Pension and Postretirement Plans [Member] | Equity Securities [Member] | Minimum [Member]
Assets target allocations [Abstract]
Target allocations range	50.00%
Pension and Postretirement Plans [Member] | Equity Securities [Member] | Maximum [Member]
Assets target allocations [Abstract]
Target allocations range	70.00%
Pension and Postretirement Plans [Member] | Other [Member] | Minimum [Member]
Assets target allocations [Abstract]
Target allocations range	0.00%
Pension and Postretirement Plans [Member] | Other [Member] | Maximum [Member]
Assets target allocations [Abstract]
Target allocations range	10.00%

Benefit Plans, Fair Value of Pl

Benefit Plans, Fair Value of Plan Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Retirement Plan [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	$ 51,264	$ 44,157	$ 47,227
Retirement Plan [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	35,184	31,143
Retirement Plan [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	16,080	13,014
Retirement Plan [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	51,264	44,157
Retirement Plan [Member] | Cash and Cash Equivalents [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	2,165	3,147
Retirement Plan [Member] | Cash and Cash Equivalents [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Cash and Cash Equivalents [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Cash and Cash Equivalents [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	2,165	3,147
Retirement Plan [Member] | Equity Mutual Funds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	32,411	27,420
Retirement Plan [Member] | Equity Mutual Funds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Equity Mutual Funds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Equity Mutual Funds [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	32,411	27,420
Retirement Plan [Member] | U. S. Government Sponsored Enterprises [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | U. S. Government Sponsored Enterprises [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	4,434	9,376
Retirement Plan [Member] | U. S. Government Sponsored Enterprises [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | U. S. Government Sponsored Enterprises [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	4,434	9,376
Retirement Plan [Member] | Corporate Bonds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Corporate Bonds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	11,646	3,638
Retirement Plan [Member] | Corporate Bonds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Corporate Bonds [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	11,646	3,638
Retirement Plan [Member] | Fixed Income Mutual Funds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	608	576
Retirement Plan [Member] | Fixed Income Mutual Funds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Fixed Income Mutual Funds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Fixed Income Mutual Funds [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	608	576
Postretirement Benefits [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	26,358	22,091	$ 22,922
Postretirement Benefits [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	17,471	15,636
Postretirement Benefits [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	8,887	6,455
Postretirement Benefits [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	26,358	22,091
Postretirement Benefits [Member] | Cash and Cash Equivalents [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	677	2,046
Postretirement Benefits [Member] | Cash and Cash Equivalents [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | Cash and Cash Equivalents [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | Cash and Cash Equivalents [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	677	2,046
Postretirement Benefits [Member] | Equity Mutual Funds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	16,794	13,590
Postretirement Benefits [Member] | Equity Mutual Funds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | Equity Mutual Funds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | Equity Mutual Funds [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	16,794	13,590
Postretirement Benefits [Member] | U. S. Government Sponsored Enterprises [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | U. S. Government Sponsored Enterprises [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	2,560	3,111
Postretirement Benefits [Member] | U. S. Government Sponsored Enterprises [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | U. S. Government Sponsored Enterprises [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	2,560	3,111
Postretirement Benefits [Member] | Corporate Bonds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | Corporate Bonds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	6,327	3,118
Postretirement Benefits [Member] | Corporate Bonds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | Corporate Bonds [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	6,327	3,118
Postretirement Benefits [Member] | State and Political Subdivisions [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | State and Political Subdivisions [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	226
Postretirement Benefits [Member] | State and Political Subdivisions [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | State and Political Subdivisions [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	$ 0	$ 226

Benefit Plans, Incentive and Bo

Benefit Plans, Incentive and Bonus Plans (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Incentive and Bonus Plans [Abstract]
Number of awards (in shares)	1.5
Weighted average strike price (in dollars per share)	$ 8.81
401(k) Plan [Member]
Incentive and Bonus Plans [Abstract]
Employer matching contribution, first match	100.00%
Aggregate salary contribution matched by employer, first match	3.00%
Employer matching contribution, next matched	50.00%
Aggregate salary contribution matched by employer, next match	3.00%
Profit sharing contribution	$ 0	$ 0	$ 0
Expense related to 401(k) plan	1.2	1.1	1
Executive Incentive Plan [Member]
Incentive and Bonus Plans [Abstract]
Expense for officers and executive incentive plan	$ 2.9	$ 2.7	$ 1.9

Benefit Plans, Stock Based Comp

Benefit Plans, Stock Based Compensation Plans - Equity Awards (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	May 31, 2019
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Stock based compensation expense	$ 5	$ 173	$ 150
Stock Options [Member]
Summary of Changes in Stock Option Awards [Roll Forward]
Beginning balance (in shares)	554,641
New options awarded (in shares)	0
Expired options (in shares)	(5,750)
Options forfeited (in shares)	0
Exercised options (in shares)	(29,800)	(177,000)	(784,000)
Ending balance (in shares)	519,091	554,641
Stock Option Awards, Exercisable [Roll Forward]
Ending balance (in shares)	486,791
Weighted Average Exercise Price [Roll Forward]
Beginning balance (in dollars per share)	$ 6.65
New options awarded (in dollars per share)	0
Expired options (in dollars per share)	0
Options forfeited (in dollars per share)	0
Exercised options (in dollars per share)	6.21
Ending balance (in dollars per share)	$ 6.67	$ 6.65
Additional Disclosures [Abstract]
Weighted average remaining contractual life, options outstanding	4 years 6 months
Exercisable options, weighted average exercise price (in dollars per share)	$ 6.69
Weighted average remaining contractual life, exercisable outstanding	4 years 6 months
Intrinsic value of outstanding stock options	$ 1,020
Intrinsic value of vested stock options	952
Restricted Common Shares [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Stock based compensation expense	$ 5	$ 173	$ 150
2010 Directors Stock Option Plan [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Shares available for grant (in shares)				2,000,000
2010 Directors Stock Option Plan [Member] | Stock Options [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Options maximum term	10 years
Options maximum term	5 years
2019 Equity Incentive Plan [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Shares available for grant (in shares)	1,700,000			2,000,000
Exercise price as percentage of fair value	100.00%
Shareholding percentage for grant of stock options	10.00%
Option price as percentage of fair value	110.00%

Benefit Plans, Valuation, Stock

Benefit Plans, Valuation, Stock-Based Compensation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Employee Service Share-based Compensation, Non-vested Awards, Total Compensation Cost Not yet Recognized [Abstract]
Stock based compensation expense	$ 5	$ 173	$ 150
Stock Options [Member]
Employee Service Share-based Compensation, Non-vested Awards, Total Compensation Cost Not yet Recognized [Abstract]
Unrecognized stock-based compensation expense related to non-vested stock options	$ 12
Unrecognized compensation expense, period of recognition	10 months
Restricted Shares Units [Member]
Activity for Performance Based Awards [Roll Forward]
Balance, Beginning of period (in shares)	218,427
New awards granted (in shares)	151,668
Forfeited awards (in shares)	0
Awards settled (in shares)	(125,822)
Balance, End of period (in shares)	244,273	218,427
Employee Service Share-based Compensation, Non-vested Awards, Total Compensation Cost Not yet Recognized [Abstract]
Stock based compensation expense	$ 743	$ 458	633
Options maximum term	3 years
Unrecognized stock-based compensation expense	$ 2,100
Unrecognized compensation expense, period of recognition	27 months
Additional Disclosures [Abstract]
Shares vested after term	100.00%
Liability related to awards	$ 170	$ 526
Performance Share Units [Member]
Activity for Performance Based Awards [Roll Forward]
Balance, Beginning of period (in shares)	408,893
New awards granted (in shares)	172,006
Forfeited awards (in shares)	0
Awards settled (in shares)	(102,348)
Balance, End of period (in shares)	478,551	408,893
Employee Service Share-based Compensation, Non-vested Awards, Total Compensation Cost Not yet Recognized [Abstract]
Stock based compensation expense	$ 1,600	$ 644	$ 1,200
Options maximum term	3 years	1 year
Unrecognized stock-based compensation expense	$ 2,800
Unrecognized compensation expense, period of recognition	26 months
Additional Disclosures [Abstract]
Shares vested after term	100.00%	100.00%
Liability related to awards	$ 2,600	$ 1,700

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Commitments and Contingent Liabilities [Abstract]
Outsourced service expense	$ 7,600	$ 7,500	$ 6,410
Third-Party Service Agreement [Member] | Minimum [Member]
Long Term Purchase Commitment [Abstract]
Outsource service expense	7,000
Third-Party Service Agreement [Member] | Maximum [Member]
Long Term Purchase Commitment [Abstract]
Outsource service expense	$ 8,000

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Reconciliation of the component parts of earnings per share [Abstract]
Net income	$ 57,840	$ 61,445	$ 43,145
Weighted average common shares (in shares)	96,849	96,505	96,111
Effect of dilutive common stock options (in shares)	78	141	111
Weighted average common shares including potential dilutive shares (in shares)	96,927	96,646	96,222
Basic EPS (in dollars per share)	$ 0.597	$ 0.637	$ 0.449
Diluted EPS (in dollars per share)	$ 0.597	$ 0.636	$ 0.448
Stock Options [Member]
Antidilutive Securities [Abstract]
Antidilutive stock options excluded from diluted earnings per share (in shares)	0	319,000

Off-Balance Sheet Financial I_2

Off-Balance Sheet Financial Instruments (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Commitments to Extend Credit [Member]
Off-Balance Sheet Risks [Abstract]
Off-balance sheet risks, amount	$ 424	$ 432.6
Variable rate product commitments	85.00%	80.00%
Standby Letters of Credit [Member]
Off-Balance Sheet Risks [Abstract]
Off-balance sheet risks, amount	$ 9.6	$ 6.6
Off balance sheet instrument term	12 months

Fair Value, Assets and Liabilit

Fair Value, Assets and Liabilities Measured at Fair Value Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Securities available for sale [Abstract]
Total securities available for sale	$ 573,823	$ 501,463
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Securities available for sale [Abstract]
Total securities available for sale	0	0
Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale [Abstract]
Total securities available for sale	573,823	501,463
Significant Unobservable Inputs (Level 3) [Member]
Securities available for sale [Abstract]
Total securities available for sale	0	0
Carrying Value [Member]
Securities available for sale [Abstract]
Total securities available for sale	573,823	501,463
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Securities available for sale [Abstract]
U.S. government sponsored enterprises	0	0
State and political subdivisions	0	0
Mortgage backed securities and collateralized mortgage obligations - residential	0	0
Corporate bonds	0	0
Small Business Administration - guaranteed participation securities	0	0
Other	0	0
Total securities available for sale	0	0
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale [Abstract]
U.S. government sponsored enterprises	104,512	152,160
State and political subdivisions	162	173
Mortgage backed securities and collateralized mortgage obligations - residential	389,517	262,032
Corporate bonds	30,436	29,938
Small Business Administration - guaranteed participation securities	48,511	56,475
Other	685	685
Total securities available for sale	573,823	501,463
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Securities available for sale [Abstract]
U.S. government sponsored enterprises	0	0
State and political subdivisions	0	0
Mortgage backed securities and collateralized mortgage obligations - residential	0	0
Corporate bonds	0	0
Small Business Administration - guaranteed participation securities	0	0
Other	0	0
Total securities available for sale	0	0
Recurring [Member] | Carrying Value [Member]
Securities available for sale [Abstract]
U.S. government sponsored enterprises	104,512	152,160
State and political subdivisions	162	173
Mortgage backed securities and collateralized mortgage obligations - residential	389,517	262,032
Corporate bonds	30,436	29,938
Small Business Administration - guaranteed participation securities	48,511	56,475
Other	685	685
Total securities available for sale	$ 573,823	$ 501,463

Fair Value, Assets Measured at

Fair Value, Assets Measured at Fair Value Non-recurring (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Assets measured at fair value on a non-recurring basis [Abstract]
Other Real Estate Owned, Valuation Technique [Extensible List]	us-gaap:OtherRealEstateOwnedTypeExtensibleList	us-gaap:OtherRealEstateOwnedTypeExtensibleList
Other Real Estate Owned, Measurement Input [Extensible List]	us-gaap:OtherRealEstateOwnedTypeExtensibleList	us-gaap:OtherRealEstateOwnedTypeExtensibleList
Impaired loans [Abstract]
Fair value assets transfers from Level 1 to Level 2	$ 0	$ 0
Fair value assets transfers from Level 2 to Level 1	0	0
Other real estate owned, commercial real estate	358	560
Other real estate owned, residential real estate properties	1,200	1,100
Valuation charge on other real estate owned	366	769
Impaired loans	20,976	22,288
Collateral dependent impaired loans	120	459
Gross charge offs, residential impaired loans	22	67
Nonrecurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	0	0
Impaired loans [Abstract]
Real estate mortgage - 1 to 4 family	0	0
Nonrecurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	0	0
Impaired loans [Abstract]
Real estate mortgage - 1 to 4 family	0	0
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	1,579	1,675
Impaired loans [Abstract]
Real estate mortgage - 1 to 4 family	$ 120	$ 459
Nonrecurring [Member] | Minimum [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.01	0.01
Nonrecurring [Member] | Maximum [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.21	0.14
Nonrecurring [Member] | Weighted Average [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.02	0.07
Nonrecurring [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Minimum [Member] | Sales Comparison Approach [Member] | Adjustments for Differences Between Comparable Sales [Member]
Impaired loans [Abstract]
Impaired loans, unobservable inputs	0.01	0.05
Nonrecurring [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Maximum [Member] | Sales Comparison Approach [Member] | Adjustments for Differences Between Comparable Sales [Member]
Impaired loans [Abstract]
Impaired loans, unobservable inputs	0.17	0.14
Nonrecurring [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Weighted Average [Member] | Sales Comparison Approach [Member] | Adjustments for Differences Between Comparable Sales [Member]
Impaired loans [Abstract]
Impaired loans, unobservable inputs	0.09	0.10
Nonrecurring [Member] | Carrying Value [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	$ 1,579	$ 1,675
Impaired loans [Abstract]
Real estate mortgage - 1 to 4 family	$ 120	$ 459

Fair Value, Carrying Amounts an

Fair Value, Carrying Amounts and Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Financial assets [Abstract]
Cash and cash equivalents	$ 456,846	$ 503,709
Securities available for sale	573,823	501,463
Held to maturity securities	19,680	22,924
Net loans	4,078,210	3,753,966
Accrued interest receivable	10,915	11,341
Financial liabilities [Abstract]
Demand deposits	463,858	405,069
Interest bearing deposits	3,985,252	3,859,444
Short-term borrowings	148,666	161,893
Accrued interest payable	1,459	1,024
Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	456,846	503,709
Securities available for sale	0	0
Held to maturity securities	0	0
Net loans	0	0
Accrued interest receivable	216	353
Financial liabilities [Abstract]
Demand deposits	463,858	405,069
Interest bearing deposits	2,587,981	2,594,672
Short-term borrowings	0	0
Accrued interest payable	174	104
Level 2 [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Securities available for sale	573,823	501,463
Held to maturity securities	19,680	22,924
Net loans	0	0
Accrued interest receivable	2,221	2,371
Financial liabilities [Abstract]
Demand deposits	0	0
Interest bearing deposits	1,397,271	1,264,772
Short-term borrowings	148,666	161,893
Accrued interest payable	1,285	920
Level 3 [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Securities available for sale	0	0
Held to maturity securities	0	0
Net loans	4,078,210	3,753,966
Accrued interest receivable	8,478	8,617
Financial liabilities [Abstract]
Demand deposits	0	0
Interest bearing deposits	0	0
Short-term borrowings	0	0
Accrued interest payable	0	0
Carrying Value [Member]
Financial assets [Abstract]
Cash and cash equivalents	456,846	503,709
Securities available for sale	573,823	501,463
Held to maturity securities	18,618	22,501
Federal Reserve Bank and Federal Home Loan Bank stock	9,183	8,953
Net loans	4,017,879	3,829,330
Accrued interest receivable	10,915	11,341
Financial liabilities [Abstract]
Demand deposits	463,858	405,069
Interest bearing deposits	3,986,158	3,869,178
Short-term borrowings	148,666	161,893
Accrued interest payable	$ 1,459	$ 1,024

Regulatory Capital Requiremen_3

Regulatory Capital Requirements (Details) $ in Thousands		Dec. 31, 2019USD ($)Classification	Dec. 31, 2018USD ($)
Trustco Bank [Member]
Compliance With Regulatory Capital Requirements Under Banking Regulations Information [Abstract]
Number of classifications for prompt corrective action regulations provide | Classification		5
Tier One Risk Based Capital [Abstract]
Tier 1 leverage capital		$ 516,775	$ 484,581
Common equity Tier 1 capital		516,775	484,581
Tier 1 risk-based capital		516,775	484,581
Total risk-based capital		$ 551,975	$ 517,948
Risk Based Ratios [Abstract]
Tier 1 leverage ratio, ratio		9.94%	9.767%
Common equity Tier 1 capital, ratio		18.412%	18.233%
Tier 1 risk-based capital, ratio		18.412%	18.233%
Total risk-based capital, ratio		19.666%	19.489%
Leverage Ratios [Abstract]
Tier 1 leverage ratio, well capitalized	[1]	5.00%	5.00%
Tier 1 leverage ratio, minimum for capital adequacy plus capital conservation	[1],[2]	4.00%	4.00%
Common equity Tier 1 capital, well capitalized	[1]	6.50%	6.50%
Common equity Tier 1 capital, minimum for capital adequacy plus capital conservation	[1],[2]	7.00%	6.38%
Tier 1 risk-based capital, well capitalized	[1]	8.00%	8.00%
Tier 1 risk-based capital, minimum for capital adequacy plus capital conservation	[1],[2]	8.50%	7.88%
Total risk-based capital, well capitalized	[1]	10.00%	10.00%
Total risk-based capital, minimum for capital adequacy plus capital conservation	[1],[2]	10.50%	9.88%
Common equity Tier 1 capital conservation buffer		2.50%	1.88%
Tier 1 risk based capital ratio, capital conservation buffer		2.50%	1.88%
Total risk based capital ratio, capital conservation buffer		2.50%	1.88%
TrustCo Bank Corp NY [Member]
Tier One Risk Based Capital [Abstract]
Tier 1 leverage capital		$ 533,243	$ 499,626
Common equity Tier 1 capital		533,243	499,626
Tier 1 risk-based capital		533,243	499,626
Total risk-based capital		$ 568,463	$ 533,009
Risk Based Ratios [Abstract]
Tier 1 leverage ratio, ratio		10.254%	10.129%
Common equity Tier 1 capital, ratio		18.988%	18.79%
Tier 1 risk-based capital, ratio		18.988%	18.79%
Total risk-based capital, ratio		20.242%	20.046%
Leverage Ratios [Abstract]
Tier 1 leverage ratio, minimum for capital adequacy plus capital conservation	[1],[2]	4.00%	4.00%
Common equity Tier 1 capital, minimum for capital adequacy plus capital conservation	[1],[2]	7.00%	6.38%
Tier 1 risk-based capital, minimum for capital adequacy plus capital conservation	[1],[2]	8.50%	7.88%
Total risk-based capital, minimum for capital adequacy plus capital conservation	[1],[2]	10.50%	9.88%
Common equity Tier 1 capital conservation buffer		2.50%	1.88%
Tier 1 risk based capital ratio, capital conservation buffer		2.50%	1.88%
Total risk based capital ratio, capital conservation buffer		2.50%	1.88%
[1]	Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized
[2]	The December 31, 2019 and 2018 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent, and 1.88 percent repectively.

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	$ 489,871	$ 458,308	$ 432,686
Other comprehensive income (loss) - before reclassifications	15,119	(6,671)	4,744
Amount reclassified from accumulated other comprehensive income	(349)	(1,832)	(299)
Other comprehensive income (loss), net of tax	14,770	(7,157)	4,445
Tax Cuts and Jobs Act of 2017, Reclassification from AOCI to Retained Earnings, Tax Effect		(1,346)	0
Tax Cuts and Jobs Act of 2017, Reclassification from AOCI to Retained Earnings, Tax Effect		0
Tax Cuts and Jobs Act of 2017, Other comprehensive income (loss), Tax Effect		0
Balance	538,257	489,871	458,308
Accumulated Other Comprehensive Income (Loss) [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(10,309)	(1,806)	(6,251)
Other comprehensive income (loss), net of tax	14,770	(7,157)	4,445
Tax Cuts and Jobs Act of 2017, Reclassification from AOCI to Retained Earnings, Tax Effect		(1,346)
Balance	4,461	(10,309)	(1,806)
Net Unrealized Holding Loss on Securities Available for Sale, Net of Tax [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(10,416)	(5,030)	(6,762)
Other comprehensive income (loss) - before reclassifications	10,702	(3,944)	1,732
Amount reclassified from accumulated other comprehensive income	0	0	0
Other comprehensive income (loss), net of tax	10,702	(3,944)	1,732
Balance	286	(10,416)	(5,030)
Net Unrealized Holding Loss on Securities Available for Sale, Net of Tax [Member] | Previously Reported [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(8,974)
Balance		(8,974)
Net Change in Overfunded Position in Pension and Postretirement Plans Arising During the Year, Net of Tax [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	423	3,054	42
Other comprehensive income (loss) - before reclassifications	4,417	(2,727)	3,012
Amount reclassified from accumulated other comprehensive income	0	0	0
Other comprehensive income (loss), net of tax	4,417	(2,727)	3,012
Balance	4,840	423	3,054
Net Change in Overfunded Position in Pension and Postretirement Plans Arising During the Year, Net of Tax [Member] | Previously Reported [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	327
Balance		327
Net Change in Net Actuarial Loss and Prior Service Credit/Cost on Pension and Postretirement Benefit Plans, Net of Tax [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(316)	170	469
Other comprehensive income (loss) - before reclassifications	0	0	0
Amount reclassified from accumulated other comprehensive income	(349)	(486)	(299)
Other comprehensive income (loss), net of tax	(349)	(486)	(299)
Balance	$ (665)	$ (316)	$ 170

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Loss, Reclassifications out of Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Abstract]
Salaries and employee benefits	$ 46,630	$ 42,107	$ 40,665
Income tax (benefit) expense	18,669	18,209	33,602
Net income	57,840	61,445	43,145
Reclassification Out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Abstract]
Net income	349	486	299
Amortization of Pension and Postretirement Benefit Items [Member] | Reclassification Out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Abstract]
Income tax (benefit) expense	(122)	(170)	100
Net income	349	486	299
Amortization of Net Actuarial Gain (Loss) [Member] | Reclassification Out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Abstract]
Salaries and employee benefits	274	556	289
Amortization of Prior Service Cost [Member] | Reclassification Out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Abstract]
Salaries and employee benefits	$ 197	$ 100	$ (90)

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Sources of non-interest income [Abstract]
Other	[1]	$ 4,109	$ 2,978
Total non-interest income		18,591	18,081	$ 18,373
Overdraft Fees [Member]
Sources of non-interest income [Abstract]
Non-interest income		3,571	3,543
Other [Member]
Sources of non-interest income [Abstract]
Non-interest income		459	455
Interchange Income [Member]
Sources of non-interest income [Abstract]
Non-interest income		4,065	4,822
Wealth Management Fees [Member]
Sources of non-interest income [Abstract]
Non-interest income		$ 6,387	$ 6,283
[1]	Not within the scope of ASC 606.

Operating leases (Details)

Operating leases (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Other information related to leases [Abstract]
Operating lease cost	$ 7,808	$ 7,988	$ 7,889
Variable lease cost	1,968	2,000	1,889
Total Lease costs	9,776	9,988	$ 9,778
Cash paid for amounts included in the measurement of lease liabilities [Abstract]
Operating cash flows from operating leases	7,839
Right-of-use assets obtained in exchange for lease obligations:	$ 57,464
Weighted average remaining lease term	9 years 4 months 24 days
Weighted average discount rate	3.30%
Future minimum lease payments under non-cancellable leases [Abstract]
2020	$ 8,039
2021	8,033
2022	7,533
2023	7,227
2024	7,100
Thereafter	28,361
Total lease payments	66,293
Less: Interest	9,740
Present value of lease liabilities	56,553	0
Operating lease right-of-use assets	$ 51,475	$ 0
Minimum [Member]
Leases, operating [Abstract]
Operating lease expiration term	11 months
Maximum [Member]
Leases, operating [Abstract]
Operating lease expiration term	25 years 9 months 18 days

Recent Accounting Pronounceme_2

Recent Accounting Pronouncements (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Changes in Accounting Principles [Abstract]
Lease liability	$ 66,293
Present value of the remaining lease payments	56,553	$ 0
ROU asset	$ 51,475	0
ASU 2016-02 [Member]
Changes in Accounting Principles [Abstract]
Lease liability		58,200
Present value of the remaining lease payments		69,400
ROU asset		53,000
Accrued rent		$ 5,200

Parent Company Only, Statements

Parent Company Only, Statements of Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Expenses [Abstract]
Professional services	$ 6,174	$ 6,555	$ 6,895
Total noninterest expense	97,730	97,713	93,994
Income before income taxes and subsidiaries' undistributed earnings	76,509	79,654	76,747
Income tax benefit	18,669	18,209	33,602
Net income	57,840	61,445	43,145
Change in other comprehensive income (loss)	14,770	(7,157)	4,445
Comprehensive income	72,610	54,288	47,590
TrustCo Bank Corp NY [Member]
Statements of Comprehensive Income [Abstract]
Dividends and interest from subsidiaries	28,340	24,920	24,510
Net gain on securities transactions	0	0	0
Miscellaneous income	0	0	0
Total income	28,340	24,920	24,510
Expenses [Abstract]
Operating supplies	82	122	26
Professional services	651	438	122
Miscellaneous expense	2,811	1,755	2,573
Total noninterest expense	3,544	2,315	2,721
Income before income taxes and subsidiaries' undistributed earnings	24,796	22,605	21,789
Income tax benefit	(837)	(523)	(1,171)
Income before subsidiaries' undistributed earnings	25,633	23,128	22,960
Equity in undistributed earnings of subsidiaries	32,207	38,317	20,185
Net income	57,840	61,445	43,145
Change in other comprehensive income (loss)	14,770	(7,157)	4,445
Comprehensive income	$ 72,610	$ 54,288	$ 47,590

Parent Company Only, Statemen_2

Parent Company Only, Statements of Condition (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Assets [Abstract]
Cash in subsidiary bank	$ 456,846	$ 503,709
Securities available for sale	573,823	501,463
Other assets	58,876	58,263
Total assets	5,221,322	4,958,913
Liabilities and shareholders' equity [Abstract]
Accrued expenses and other liabilities	27,830	32,902
Total liabilities	4,683,065	4,469,042
Shareholders' equity	538,257	489,871	$ 458,308	$ 432,686
Total liabilities and shareholders' equity	5,221,322	4,958,913
TrustCo Bank Corp NY [Member]
Assets [Abstract]
Cash in subsidiary bank	24,118	22,665
Investments in subsidiaries	521,802	474,838
Securities available for sale	35	35
Other assets	558	683
Total assets	546,513	498,221
Liabilities and shareholders' equity [Abstract]
Accrued expenses and other liabilities	8,256	8,350
Total liabilities	8,256	8,350
Shareholders' equity	538,257	489,871
Total liabilities and shareholders' equity	$ 546,513	$ 498,221

Parent Company Only, Statemen_3

Parent Company Only, Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash flows from operating activities [Abstract]
Net income	$ 57,840	$ 61,445	$ 43,145
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Stock based compensation expense	5	173	150
Total adjustments	5,958	6,195	18,545
Net cash provided by operating activities	63,798	67,640	61,690
Cash flows from financing activities [Abstract]
Proceeds from exercise of stock options	185	1,259	5,237
Dividends paid	(26,385)	(25,569)	(25,197)
Purchases of treasury stock	(35)	(718)	(4,608)
Proceeds from sales of treasury stock	1,791	2,391	2,480
Net cash provided by (used in) financing activities	138,098	(2,851)	(11,340)
Net decrease in cash and cash equivalents	(46,863)	(109,031)	(94,534)
Cash and cash equivalents at beginning of period	503,709	612,740	707,274
Cash and cash equivalents at end of period	456,846	503,709	612,740
TrustCo Bank Corp NY [Member]
Cash flows from operating activities [Abstract]
Net income	57,840	61,445	43,145
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Equity in undistributed earnings of subsidiaries	(32,207)	(38,317)	(20,185)
Stock based compensation expense	5	173	150
Net change in other assets and accrued expenses	246	214	853
Total adjustments	(31,956)	(37,930)	(19,182)
Net cash provided by operating activities	25,884	23,515	23,963
Cash flows from financing activities [Abstract]
Proceeds from exercise of stock options	185	1,259	5,236
Dividends paid	(26,372)	(25,555)	(25,184)
Purchases of treasury stock	(35)	(718)	(4,608)
Proceeds from sales of treasury stock	1,791	2,391	2,480
Net cash provided by (used in) financing activities	(24,431)	(22,623)	(22,076)
Net decrease in cash and cash equivalents	1,453	892	1,887
Cash and cash equivalents at beginning of period	22,665	21,773	19,886
Cash and cash equivalents at end of period	$ 24,118	$ 22,665	$ 21,773