TrustCo Bank Corp NY (TRST) 10-K 25 Feb 22 2021 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Feb. 22, 2022	Jun. 30, 2021
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Annual Report	true
Document Period End Date	Dec. 31, 2021
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	FY
Document Transition Report	false
Entity File Number	0-10592
Entity Registrant Name	TRUSTCO BANK CORP N Y
Entity Central Index Key	0000357301
Entity Incorporation, State or Country Code	NY
Entity Tax Identification Number	14-1630287
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
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 645
Entity Common Stock, Shares Outstanding		19,219,989
Auditor Name	Crowe LLP
Auditor Location	New York, New York
Auditor Firm ID	173

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Interest and dividend income:
Interest and fees on loans		$ 159,168	$ 165,964	$ 166,610
Interest and dividends on securities available for sale:
U. S. government sponsored enterprises		314	568	3,209
State and political subdivisions		2	6	8
Mortgage-backed securities and collateralized mortgage obligations-residential		4,515	6,131	8,219
Corporate bonds		1,065	1,721	1,096
Small Business Administration-guaranteed participation securities		745	902	1,121
Other		20	23	22
Total interest and dividends on securities available for sale		6,661	9,351	13,675
Interest on held to maturity securities:
Mortgage-backed securities and collateralized mortgage obligations-residential		435	604	797
Total interest on held to maturity securities		435	604	797
Federal Reserve Bank and Federal Home Loan Bank stock		260	421	568
Interest on federal funds sold and other short-term investments		1,458	1,948	10,478
Total interest and dividend income		167,982	178,288	192,128
Interest expense:
Interest on deposits		6,665	23,698	34,853
Interest on short-term borrowings		909	1,010	1,468
Total interest expense		7,574	24,708	36,321
Net interest income		160,408	153,580	155,807
(Credit) Provision for loan losses		(5,450)	5,600	159
Net interest income after provision for loan losses		165,858	147,980	155,648
Noninterest income:
Trustco Financial Services income		7,358	6,279	6,387
Fees for services to customers		9,799	8,779	10,110
Net gain on securities transactions	[1]	0	1,155	0
Other		780	957	2,094
Total noninterest income		17,937	17,170	18,591
Noninterest expense:
Salaries and employee benefits		48,721	45,647	46,630
Net occupancy expense		17,742	17,519	16,666
Equipment expense		6,617	6,636	7,068
Professional services		6,108	5,618	6,174
Outsourced services		8,384	7,750	7,600
Advertising expense		1,975	1,921	2,521
FDIC and other insurance expense		3,010	2,220	1,787
Other real estate expense (income), net		183	92	(166)
Other		8,922	8,301	9,450
Total noninterest expense		101,662	95,704	97,730
Income before income taxes		82,133	69,446	76,509
Income taxes		20,614	16,994	18,669
Net income		$ 61,519	$ 52,452	$ 57,840
Earnings per share:
Basic (in dollars per share)	[2],[3]	$ 3.194	$ 2.718	$ 2.986
Diluted (in dollars per share)	[2],[3]	$ 3.194	$ 2.717	$ 2.984
[1]	Not within the scope of ASC 606.
[2]	All periods presented have been adjusted for the 1 for 5
[3]	Share and per share amounts have been adjusted for all periods presented for the 1 for 5

Consolidated Statements of In_2

Consolidated Statements of Income (Parenthetical)	May 28, 2021
Consolidated Statements of Income [Abstract]
Reverse stock split ratio	0.2

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Consolidated Statements of Comprehensive Income [Abstract]
Net income	$ 61,519	$ 52,452	$ 57,840
Net unrealized holding (loss) gain on securities available for sale	(9,715)	10,475	14,459
Reclassification adjustments for net gain recognized in income	0	(1,155)	0
Tax effect	2,503	(2,420)	(3,757)
Net unrealized (loss) gain on securities available for sale, net of tax	(7,212)	6,900	10,702
Change in overfunded position in pension and postretirement plans arising during the year	10,297	1,681	5,967
Tax effect	(2,675)	(437)	(1,550)
Change in overfunded position in pension and postretirement plans arising during the year, net of tax	7,622	1,244	4,417
Amortization of net actuarial gain	(674)	(708)	(274)
Amortization of prior service cost (credit)	405	(196)	(197)
Tax effect	70	235	122
Amortization of net actuarial gain and prior service cost (credit) on pension and postretirement plans, net of tax	(199)	(669)	(349)
Other comprehensive income, net of tax	211	7,475	14,770
Comprehensive income	$ 61,730	$ 59,927	$ 72,610

Consolidated Statements of Cond

Consolidated Statements of Condition - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
ASSETS
Cash and due from banks		$ 48,357	$ 47,196
Federal funds sold and other short term investments		1,171,113	1,059,903
Total cash and cash equivalents		1,219,470	1,107,099
Securities available for sale		407,713	439,071
Held to maturity securities ($10,695 and $14,988 fair value at December 31, 2021 and 2020, respectively)		9,923	13,824
Federal Home Loan Bank stock		5,604	5,506
Loans, net of deferred net costs		4,438,779	4,244,470
Less: Allowance for loan losses		44,267	49,595
Net loans		4,394,512	4,194,875
Bank premises and equipment, net		33,027	34,412
Operating lease right-of-use assets		48,090	47,885
Other assets		78,207	59,124
Total assets		6,196,546	5,901,796
Deposits:
Demand		794,878	652,756
Savings accounts		1,504,554	1,285,501
Interest-bearing checking		1,191,304	1,086,558
Money market deposit accounts		782,079	716,005
Time accounts		995,314	1,296,373
Total deposits		5,268,129	5,037,193
Short-term borrowings		244,686	214,755
Operating lease liabilities		52,720	52,784
Accrued expenses and other liabilities		29,883	28,903
Total liabilities		5,595,418	5,333,635
Commitments and contingent liabilities
SHAREHOLDERS' EQUITY:
Capital stock: $1 par value; 30,000,000 shares authorized, 20,045,684 and 20,040,966 shares issued and 19,219,989 and 19,286,531 shares outstanding at December 31, 2021 and 2020, respectively	[1],[2]	20,046	20,041
Surplus	[1]	256,661	256,606
Undivided profits		349,056	313,974
Accumulated other comprehensive income, net of tax		12,147	11,936
Treasury stock: 825,695 and 754,435 shares, at cost, at December 31, 2021 and 2020, respectively (2)	[2]	(36,782)	(34,396)
Total shareholders' equity		601,128	568,161
Total liabilities and shareholders' equity		$ 6,196,546	$ 5,901,796
[1]	All periods presented have been adjusted for the 1 for 5
[2]	Share amounts have been adjusted for all periods presented for the 1 for 5

Consolidated Statements of Co_2

Consolidated Statements of Condition (Parenthetical) $ in Thousands	Dec. 31, 2021USD ($)$ / sharesshares	Dec. 31, 2020USD ($)$ / sharesshares
ASSETS
Held to maturity securities, fair value | $	$ 10,695	$ 14,988
SHAREHOLDERS' EQUITY:
Capital stock, par value (in dollars per share) | $ / shares	$ 1	$ 1
Capital stock, shares authorized (in shares)	30,000,000	30,000,000
Capital stock, shares issued (in shares)	20,045,684	20,040,966
Capital stock, shares outstanding (in shares)	19,219,989	19,286,531
Treasury stock, at cost (in shares)	825,695	754,435

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, 2018	[1]	$ 20,035	$ 256,850	$ 256,397	$ (10,309)	$ (33,102)	$ 489,871
Increase (Decrease) in Stockholders' Equity [Roll Forward]
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	[1]	6	179	0	0	0	185
Cash dividend declared	[2]	0	0	(26,170)	0	0	(26,170)
Purchase of treasury stock	[2]	0	0	0	0	(35)	(35)
Sale of treasury stock	[2]	0	(443)	0	0	2,234	1,791
Stock based compensation expense		0	5	0	0	0	5
Balance at Dec. 31, 2019		20,041	256,591	288,067	4,461	(30,903)	538,257
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income		0	0	52,452	0	0	52,452
Change in other comprehensive income (loss), net of tax		0	0	0	7,475	0	7,475
Cash dividend declared	[1]	0	0	(26,545)	0	0	(26,545)
Purchase of treasury stock	[2]	0	0	0	0	(3,493)	(3,493)
Stock based compensation expense		0	15	0	0	0	15
Balance at Dec. 31, 2020		20,041	256,606	313,974	11,936	(34,396)	568,161
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income		0	0	61,519	0	0	61,519
Change in other comprehensive income (loss), net of tax		0	0	0	211	0	211
Cash used to settle fractional shares in the Reverse Stock Split		(5)	(195)	0	0	0	(200)
Stock options exercises	[2]	10	250	0	0	0	260
Cash dividend declared	[2]	0	0	(26,437)	0	0	(26,437)
Purchase of treasury stock	[2]	0	0	0	0	(2,386)	(2,386)
Balance at Dec. 31, 2021		$ 20,046	$ 256,661	$ 349,056	$ 12,147	$ (36,782)	$ 601,128
[1]	All periods presented have been adjusted for the 1 for 5
[2]	Share amounts and per share amounts have been adjusted for all periods presented for the 1 for 5

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical)	12 Months Ended
	Dec. 31, 2021$ / sharesshares	Dec. 31, 2020$ / sharesshares	Dec. 31, 2019$ / sharesshares
Consolidated Statements of Changes in Shareholders' Equity [Abstract]
Stock option exercises (in shares)	9,923
Cash dividend declared (in dollars per share) | $ / shares	$ 1.3719	$ 1.3625	$ 1.3625
Purchase of treasury stock (in shares)	71,260	97,800	826
Sale of treasury stock (in shares)			47,479

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash flows from operating activities:
Net income		$ 61,519	$ 52,452	$ 57,840
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization		4,219	4,040	3,954
Amortization of right-of-use asset		6,383	6,138	5,989
Net gain on sale of other real estate owned		(216)	(347)	(1,316)
Writedown of other real estate owned		121	120	366
(Credit) Provision for loan losses		(5,450)	5,600	159
Deferred tax (benefit) expense		(238)	(1,067)	1,139
Net amortization of securities		3,955	3,883	2,971
Stock based compensation expense		0	15	5
Net gain on sale of bank premises and equipment		0	0	(3)
Net gain on securities transactions	[1]	0	(1,155)	0
(Increase) Decrease in taxes receivable		(148)	(1,243)	2,049
Decrease in interest receivable		932	884	426
(Decrease) Increase in interest payable		(311)	(985)	435
Increase in other assets		(10,247)	(2,625)	(4,013)
Decrease in operating lease liabilities		(6,652)	(6,317)	(6,093)
Increase (Decrease) in accrued expenses and other liabilities		1,498	2,764	(110)
Total adjustments		(6,154)	9,705	5,958
Net cash provided by operating activities		55,365	62,157	63,798
Cash flows from investing activities:
Proceeds from sales, paydowns and calls of securities available for sale		148,609	276,843	192,003
Purchases of securities available for sale		(139,962)	(145,339)	(262,754)
Proceeds from maturities of securities available for sale		9,162	10,007	10,052
Proceeds from calls and maturities of held to maturity securities		3,780	4,627	3,710
Purchases of Federal Reserve Bank and Federal Home Loan Bank stock		(98)	(380)	(230)
Proceeds from redemptions of Federal Reserve Bank stock		0	4,057	0
Net increase in loans		(194,677)	(183,320)	(193,283)
Proceeds from dispositions of other real estate owned		764	1,989	5,622
Proceeds from dispositions of bank premises and equipment		6	0	15
Purchases of bank premises and equipment		(2,840)	(3,830)	(3,894)
Net cash used in investing activities		(175,256)	(35,346)	(248,759)
Cash flows from financing activities:
Net increase in deposits		230,936	587,177	175,769
Net change in short-term borrowings		29,931	66,089	(13,227)
Proceeds from exercise of stock options and related tax benefits		260	0	185
Proceeds from sales of treasury stock		0	0	1,791
Cash used to settle fractional shares in the Reverse Stock Split		(200)	0	0
Purchases of treasury stock		(2,386)	(3,493)	(35)
Dividends paid		(26,279)	(26,331)	(26,385)
Net cash provided by (used in) financing activities		232,262	623,442	138,098
Net increase (decrease) in cash and cash equivalents		112,371	650,253	(46,863)
Cash and cash equivalents at beginning of period		1,107,099	456,846	503,709
Cash and cash equivalents at end of period		1,219,470	1,107,099	456,846
Cash paid during the year for:
Interest paid		7,885	25,693	35,886
Income taxes paid		20,493	18,185	16,806
Non cash investing and financing activities:
Transfer of loans to real estate owned		490	724	4,575
Change in dividends payable		158	214	(215)
Change in unrealized (loss) gain on securities available for sale - gross of deferred taxes		(9,715)	9,320	14,459
Change in deferred tax effect on unrealized (gain) loss on securities available for sale, net of reclassification adjustment		2,503	(2,420)	(3,757)
Amortization of net actuarial gain and prior service credit on pension and post retirement plans, gross of deferred taxes		(269)	(904)	(471)
Change in deferred tax effect of amortization of net actuarial gain and prior service credit on pension and post retirement plans		70	235	122
Change in overfunded portion of pension and post retirement benefit plans (ASC 715) - gross of deferred taxes		10,297	1,681	5,967
Deferred tax effect of change in overfunded portion of pension and post retirement benefit plans (ASC 715)		$ (2,675)	$ (437)	$ (1,550)
[1]	Not within the scope of ASC 606.

Basis of Presentation

Basis of Presentation	12 Months Ended
	Dec. 31, 2021
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. Reverse Stock Split Effective as of May 28, 2021, the Company completed a 1 -for -5 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. Risks and Uncertainties Beginning in March 2020, the Company experienced negative impacts to its business in the form of requests for loan deferrals of principal and interest due to the business disruption caused by COVID-19. In March 2020, the World Health Organization categorized COVID-19 as a pandemic, and the President of the United States declared the COVID-19 outbreak a national emergency. On March 3, 2020, the Federal Reserve reduced the target federal funds rate by 50 basis points, followed by an additional reduction of 100 basis points on March 16, 2020. The Company has evaluated the impact of the effects of COVID-19 and determined that there were no material or systematic adverse impacts on the Company’s December 31, 2021 and 2020 financial statements except for adjustments to the provision for loan losses and related allowance for loan losses. As of December 31, 2021 and 2020 the Company and Bank capital ratios were in excess of all regulatory requirements. While management believes that we have sufficient capital to withstand any further economic challenges brought on by the COVID-19 pandemic, our reported and regulatory capital ratios, as well as the ability of the Company and the Bank to pay dividends or make other distributions, could be adversely impacted by unanticipated credit losses. At this time, we do not believe there exists any impairment to our goodwill, long-lived assets, right of use assets, held to maturity investment securities, or available-for-sale investment securities due to the COVID-19 pandemic. It is uncertain whether prolonged effects of the COVID-19 pandemic will result in future impairment charges related to any of the aforementioned assets and continue to negatively impact net interest income, provision for loan losses, and noninterest income Loan modifications and payment deferrals as a result of COVID-19 that met the criteria established under Section 4013 of the CARES Act or under applicable interagency guidance of the federal banking regulators were excluded from evaluation of TDR classification and were reported as current during the payment deferral period. The Company’s policy was to continue to accrue interest during the deferral period. Loans not meeting the CARES ACT or regulatory guidance were evaluated for TDR and non-accrual treatment under the Company’s existing policies and procedures. 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 ‑ ‑ 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 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 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 of New York (Reserve Bank) 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 was also a member of the Federal Reserve Bank of New York until it discontinued its membership in 2020 and the Reserve Bank stock was redeemed. Prior to the stock redemption, the Reserve Bank stock was carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Any dividends received were 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 TDR’s and classified as impaired. As noted before, loan modifications and payment deferrals as a result of COVID-19 that meet the criteria established under Section 4013 of the CARES Act or under applicable federal banking agency guidance are excluded from evaluation of TDR classification and will continue to be reported as current during the payment deferral period. Loans not meeting the CARES Act or regulatory guidance are evaluated for TDR and non-accrual treatment under the Company’s existing policies and procedures 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: 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, 2021 and 2020, there were $362 thousand and $541 thousand, 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 2022, the Bank could declare dividends of approximately $86.1 million plus any 2022 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 who participated in the plan before it was frozen as of December 31, 2006. The benefits are based on years of service and the employee’s compensation 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 Comprehensive income 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, 2021
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, 2021
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, 2021 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 59,976 - 797 59,179 State and political subdivisions 41 - - 41 Mortgage backed securities and collateralized mortgage obligations - residential 269,907 3,367 2,476 270,798 Corporate bonds 45,805 157 625 45,337 Small Business Administration - guaranteed participation securities 31,303 371 - 31,674 Other 685 - 1 684 Total securities available for sale $ 407,717 3,895 3,899 407,713 (dollars in thousands) December 31, 2020 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 20,000 - 32 19,968 State and political subdivisions 103 - - 103 Mortgage backed securities and collateralized mortgage obligations - residential 308,432 7,749 23 316,158 Corporate bonds 59,185 916 162 59,939 Small Business Administration - guaranteed participation securities 40,955 1,262 - 42,217 Other 685 1 - 686 Total securities available for sale $ 429,360 9,928 217 439,071 The following table distributes the amortized cost and fair value of debt securities included in the available for sale portfolio as of December 31, 2021, 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 $ 15,057 15,215 Due in one year through five years 91,450 90,026 Mortgage backed securities and collateralized mortgage obligations - residential 269,907 270,798 Small Business Administration - guaranteed participation securities 31,303 31,674 $ 407,717 407,713 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, 2021 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 $ 49,279 697 9,900 100 59,179 797 Mortgage backed securities and collateralized mortgage obligations - residential 93,447 1,888 22,098 588 115,545 2,476 Corporate bonds 15,670 171 14,546 454 30,216 625 Other 648 1 - - 648 1 Total $ 159,044 2,757 46,544 1,142 205,588 3,899 (dollars in thousands) December 31, 2020 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 $ 19,968 32 - - 19,968 32 Mortgage backed securities and collateralized mortgage obligations - residential 19,471 23 - - 19,471 23 Corporate bonds 14,901 99 4,937 63 19,838 162 Total $ 54,340 154 4,937 63 59,277 217 The proceeds from sales, calls/paydowns and maturities of securities available for sale, and gross realized gains and gross realized losses from sales during , and are as follows: Years ended December 31, (dollars in thousands) 2021 2020 2019 Proceeds from sales $ - 29,219 - Proceeds from calls/paydowns 148,609 247,624 192,003 Proceeds from maturities 9,162 10,007 10,052 Gross realized gains - 1,155 - Gross realized losses - - - The amount of securities pledged to secure short-term borrowings and for other purposes amounted to $283.2 million and $267.6 million at December 31, 2021 and 2020, respectively. (b) Held to maturity securities The amortized cost and fair value of the held to maturity securities are as follows: December 31, 2021 (dollars in thousands) Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 9,923 773 1 10,695 Total held to maturity $ 9,923 773 1 10,695 December 31, 2020 (dollars in thousands) Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 13,824 1,164 - 14,988 Total held to maturity $ 13,824 1,164 - 14,988 The following table distributes the debt securities included in the held to maturity portfolio as of December 31, 2021, 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 $ 9,923 10,695 $ 9,923 10,695 As of December 31, 2021 held to maturity securities with a fair value of $442 thousand had an unrecognized loss of approximately one thousand dollars that was less than twelve months. There were held to maturity securities in an unrecognized loss position for 2020. (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, 2021 that represent greater than 10% of shareholders’ equity: (dollars in thousands) Amortized Cost Fair Value Federal National Mortgage Association $ 179,997 180,857 Federal Home Loan Mortgage Corporation 70,829 71,027 (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, 2021, 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, 2020. Mortgage backed securities and collateralized mortgage obligations – residential At December 31, 2021, 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 and other At December 31, 2021, 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, 2021.

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2021
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, 2021 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 147,063 21,653 168,716 Other 30,889 595 31,484 Real estate mortgage - 1 to 4 family: First mortgages 2,723,734 1,212,568 3,936,302 Home equity loans 48,190 13,695 61,885 Home equity lines of credit 175,134 55,842 230,976 Installment 7,368 2,048 9,416 Total loans, net $ 3,132,378 1,306,401 4,438,779 Less: Allowance for loan losses 44,267 Net loans $ 4,394,512 December 31, 2020 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 148,775 18,666 167,441 Other 44,932 119 45,051 Real estate mortgage - 1 to 4 family: First mortgages 2,606,781 1,098,915 3,705,696 Home equity loans 59,400 15,071 74,471 Home equity lines of credit 193,654 48,540 242,194 Installment 7,810 1,807 9,617 Total loans, net $ 3,061,352 1,183,118 4,244,470 Less: Allowance for loan losses 49,595 Net loans $ 4,194,875 * Includes New York, New Jersey, Vermont and Massachusetts. As December 31, 2021 and 2020, the commercial loan class included $10 million and $ million, respectively, of PPP loans. 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 Florida 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 the related parties’ loan balances had no changes during the year. All loans are current according to their term. 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, 2021 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 67 - 67 Other 45 - 45 Real estate mortgage - 1 to 4 family: First mortgages 13,990 1,797 15,787 Home equity loans 247 45 292 Home equity lines of credit 2,337 174 2,511 Installment 23 14 37 Total non-accrual loans 16,709 2,030 18,739 Restructured real estate mortgages - 1 to 4 family 17 - 17 Total nonperforming loans $ 16,726 2,030 18,756 December 31, 2020 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 372 - 372 Other 80 - 80 Real estate mortgage - 1 to 4 family: First mortgages 16,637 1,010 17,647 Home equity loans 80 47 127 Home equity lines of credit 2,662 130 2,792 Installment 43 - 43 Total non-accrual loans 19,874 1,187 21,061 Restructured real estate mortgages - 1 to 4 family 23 - 23 Total nonperforming loans $ 19,897 1,187 21,084 * 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, 2021 and 2020, other real estate owned included $362 thousand and $541 thousand, 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 December 31, 2021 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 $ - 233 45 278 146,785 147,063 Other - - - - 30,889 30,889 Real estate mortgage - 1 to 4 family: First mortgages 1,303 239 9,867 11,409 2,712,325 2,723,734 Home equity loans 136 - 224 360 47,830 48,190 Home equity lines of credit 355 458 911 1,724 173,410 175,134 Installment 27 5 4 36 7,332 7,368 Total $ 1,821 935 11,051 13,807 3,118,571 3,132,378 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 $ - - - - 21,653 21,653 Other - - - - 595 595 Real estate mortgage - 1 to 4 family: First mortgages 869 180 1,146 2,195 1,210,373 1,212,568 Home equity loans - 45 - 45 13,650 13,695 Home equity lines of credit - 89 - 89 55,753 55,842 Installment 18 - 5 23 2,025 2,048 Total $ 887 314 1,151 2,352 1,304,049 1,306,401 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 $ - 233 45 278 168,438 168,716 Other - - - - 31,484 31,484 Real estate mortgage - 1 to 4 family: First mortgages 2,172 419 11,013 13,604 3,922,698 3,936,302 Home equity loans 136 45 224 405 61,480 61,885 Home equity lines of credit 355 547 911 1,813 229,163 230,976 Installment 45 5 9 59 9,357 9,416 Total $ 2,708 1,249 12,202 16,159 4,422,620 4,438,779 * Includes New York, New Jersey, Vermont and Massachusetts. December 31, 2020 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 $ 125 77 279 481 146,582 147,063 Other - - 80 80 44,852 44,932 Real estate mortgage - 1 to 4 family: First mortgages 1,220 982 10,927 13,129 2,593,652 2,606,781 Home equity loans 120 1 48 169 59,231 59,400 Home equity lines of credit 401 344 1,273 2,018 191,636 193,654 Installment 3 - 43 46 7,764 7,810 Total $ 1,869 1,404 12,650 15,923 3,045,429 3,061,352 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 $ - - - - 18,666 18,666 Other - - - - 119 119 Real estate mortgage - 1 to 4 family: First mortgages 365 517 655 1,537 1,097,378 1,098,915 Home equity loans - - 47 47 15,024 15,071 Home equity lines of credit - - - - 48,540 48,540 Installment 7 10 - 17 1,790 1,807 Total $ 372 527 702 1,601 1,181,517 1,183,118 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 $ 125 77 279 481 166,960 167,441 Other - - 80 80 44,971 45,051 Real estate mortgage - 1 to 4 family: First mortgages 1,585 1,499 11,582 14,666 3,691,030 3,705,696 Home equity loans 120 1 95 216 74,255 74,471 Home equity lines of credit 401 344 1,273 2,018 240,176 242,194 Installment 10 10 43 63 9,554 9,617 Total $ 2,241 1,931 13,352 17,524 4,226,946 4,244,470 * Includes New York, New Jersey, Vermont and Massachusetts. At December 31, 2021 and 2020, 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, 2021 (dollars in thousands) Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 4,140 44,950 505 49,595 Loans charged off: New York and other states* 30 339 58 427 Florida - 1 2 3 Total loan chargeoffs 30 340 60 430 Recoveries of loans previously charged off: New York and other states* 32 464 54 550 Florida - 2 - 2 Total recoveries 32 466 54 552 Net loans charged off (2 ) (126 ) 6 (122 ) Credit for loan losses (1,007 ) (4,387 ) (56 ) (5,450 ) Balance at end of period $ 3,135 40,689 443 44,267 For the year ended December 31, 2020 (dollars in thousands) Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 3,999 39,748 570 44,317 Loans charged off: New York and other states* 36 404 187 627 Florida - - 34 34 Total loan chargeoffs 36 404 221 661 Recoveries of loans previously charged off: New York and other states* 10 314 12 336 Florida - 3 - 3 Total recoveries 10 317 12 339 Net loans charged off 26 87 209 322 Provision for loan losses 167 5,289 144 5,600 Balance at end of period $ 4,140 44,950 505 49,595 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, 2021 and 2020: December 31, 2021 (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 3,135 40,689 443 44,267 Total ending allowance balance $ 3,135 40,689 443 44,267 Loans: Individually evaluated for impairment $ 232 18,272 - 18,504 Collectively evaluated for impairment 199,968 4,210,891 9,416 4,420,275 Total ending loans balance $ 200,200 4,229,163 9,416 4,438,779 December 31, 2020 (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 4,140 44,950 505 49,595 Total ending allowance balance $ 4,140 44,950 505 49,595 Loans: Individually evaluated for impairment $ 1,028 20,553 - 21,581 Collectively evaluated for impairment 211,464 4,001,808 9,617 4,222,889 Total ending loans balance $ 212,492 4,022,361 9,617 4,244,470 The Company has identified nonaccrual commercial and commercial real estate loans, as well as all loans restructured under a 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, 2021 and 2020 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, 2021 and 2020: December 31, 2021 New York and other states*: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 187 279 - 1,154 Other 45 45 - 107 Real estate mortgage - 1 to 4 family: First mortgages 13,687 13,875 - 14,072 Home equity loans 161 161 - 235 Home equity lines of credit 1,852 1,939 - 2,256 Total $ 15,932 16,299 - 17,824 Florida: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ - - - 105 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 2,368 2,368 - 2,562 Home equity loans - - - 16 Home equity lines of credit 204 204 - 246 Total $ 2,572 2,572 - 2,929 Total: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 187 279 - 1,259 Other 45 45 - 107 Real estate mortgage - 1 to 4 family: First mortgages 16,055 16,243 - 16,634 Home equity loans 161 161 - 251 Home equity lines of credit 2,056 2,143 - 2,502 Total $ 18,504 18,871 - 20,753 * Includes New York, New Jersey, Vermont and Massachusetts. December 31, 2020 New York and other states*: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 819 943 - 1,186 Other 111 111 - 103 Real estate mortgage - 1 to 4 family: First mortgages 15,024 15,411 - 14,110 Home equity loans 219 240 - 235 Home equity lines of credit 2,158 2,298 - 2,258 Total $ 18,331 19,003 - 17,892 Florida: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 98 98 - 105 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 2,908 2,908 - 2,555 Home equity loans - - - 16 Home equity lines of credit 244 244 - 246 Total $ 3,250 3,250 - 2,922 Total: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 917 1,041 - 1,291 Other 111 111 - 103 Real estate mortgage - 1 to 4 family: First mortgages 17,932 18,319 - 16,665 Home equity loans 219 240 - 251 Home equity lines of credit 2,402 2,542 - 2,504 Total $ 21,581 22,253 - 20,814 * 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 2021, 2020, and 2019. Included in impaired loans are approximately $ million and $ million of loans in accruing status that were identified as TDR’s as of December 31, 2021 and 2020, respectively 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, 2021, 2020 and 2019: Year ended 12/31/21 Year ended 12/31/20 Year ended 12/31/19 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 1 $ 125 125 Real estate mortgage - 1 to 4 family: First mortgages 6 1,114 1,114 12 2,303 2,303 18 2,621 2,621 Home equity loans 1 2 2 - - - - - - Home equity lines of credit 2 40 40 3 169 169 2 235 235 Total 9 $ 1,156 1,156 16 $ 2,597 2,597 21 $ 2,981 2,981 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 1 $ 77 77 4 $ 586 586 6 $ 632 632 Home equity loans - - - - - - - - - Home equity lines of credit 1 50 50 - - - - - - Total 2 $ 127 127 4 $ 586 586 6 $ 632 632 * 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, 2021, 2020 and 2019 for which there was a payment default within 12 months of modification: Year ended 12/31/21 Year ended 12/31/20 Year ended 12/31/19 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 - $ - 4 $ 457 2 $ 418 Home equity loans - - 1 19 - - Home equity lines of credit 1 56 - - - - Total 1 $ 56 5 $ 476 2 $ 418 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 ‑ As noted above, loan modifications and payment deferrals as a result of COVID-19 that meet the criteria established under Section 4013 of the CARES Act or under applicable interagency guidance of the federal banking regulators were excluded from evaluation of TDR classification and were reported as current during the payment deferral period. The Company’s policy is to continue to accrue interest during the deferral period. Loans not meeting the CARES ACT or regulatory guidance are evaluated for TDR and non-accrual treatment under the Company’s existing policies and procedures. There was no loan modifications made pursuant to the CARES ACT that were in payment deferral at December 31, 2021. As of December 31, 2020 there was $2 million of residential loan deferrals. There were no commercial or installment loan deferrals as of December 31, 2021 and 2020. 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, 2021 and 2020, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: December 31, 2021 New York and other states*: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 145,500 1,563 147,063 Other 30,726 163 30,889 $ 176,226 1,726 177,952 Florida: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 21,113 540 21,653 Other 595 - 595 $ 21,708 540 22,248 Total: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 166,613 2,103 168,716 Other 31,321 163 31,484 $ 197,934 2,266 200,200 * Includes New York, New Jersey and Massachusetts. December 31, 2020 New York and other states*: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 145,741 3,034 148,775 Other 44,522 410 44,932 $ 190,263 3,444 193,707 Florida: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 18,092 574 18,666 Other 119 - 119 $ 18,211 574 18,785 Total: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 163,833 3,608 167,441 Other 44,641 410 45,051 $ 208,474 4,018 212,492 * Includes New York, New Jersey and Massachusetts. Included in classified loans in the above tables are impaired loans of $226 thousand and $796 thousand at December 31, 2021 and 2020, 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, 2021 and 2020 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, 2021 and 2020 is presented in the recorded investment in non-accrual loans table. In 2020, the company granted 663 PPP loans totaling $ million and as of December 31, 2021, PPP loans totaling $ million remain outstanding.

Bank Premises and Equipment

Bank Premises and Equipment	12 Months Ended
	Dec. 31, 2021
Bank Premises and Equipment [Abstract]
Bank Premises and Equipment	(5) Bank Premises and Equipment A summary of premises and equipment at December 31, 2021 and 2020 follows: (dollars in thousands) 2021 2020 Land $ 2,443 2,414 Buildings 36,327 36,077 Furniture, fixtures and equipment 58,163 56,317 Leasehold improvements 33,918 33,697 Total bank premises and equipment 130,851 128,505 Accumulated depreciation and amortization (97,824 ) (94,093 ) Total $ 33,027 34,412 Depreciation and amortization expense was approximately $4.2 million, $4.0 million, and $4.0 million for the years 2021, 2020, and 2019, respectively. Occupancy expense of the Bank’s premises included rental expense of $8.1 million in 2021, $8.0 million in 2020, and $7.8 million in 2019.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Deposits	(6) Deposits Interest expense on deposits was as follows: (dollars in thousands) For the year ended December 31, 2021 2020 2019 Interest bearing checking accounts $ 178 148 288 Savings accounts 624 716 1,338 Time deposits and money market accounts 5,863 22,834 33,227 Total $ 6,665 23,698 34,853 At December 31, 2021, the maturity of total time deposits is as follows: (dollars in thousands) Under 1 year $ 906,995 1 to 2 years 75,370 2 to 3 years 11,176 3 to 4 years 1,141 4 to 5 years 499 Over 5 years 133 $ 995,314 Included in total time deposits as of December 31, 2021 and 2020 is $ 161.5 million and $235.8 million in time deposits with balances in excess of $250,000.

Short-Term Borrowings

Short-Term Borrowings	12 Months Ended
	Dec. 31, 2021
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) 2021 2020 2019 Amount outstanding at December 31, $ 244,686 214,755 148,666 Maximum amount outstanding at any month end 244,686 213,043 169,214 Average amount outstanding 232,815 180,065 159,220 Weighted average interest rate: For the year 0.39 % 0.56 % 0.92 % As of year end 0.37 0.47 0.90 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, 2021 and 2020, 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, 2021 and 2020, 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, 2021
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, 2021 2020 2019 Current tax expense: Federal $ 17,657 15,662 15,171 State 3,195 2,399 2,359 Total current tax expense 20,852 18,061 17,530 Deferred tax (benefit) expense (238 ) (1,067 ) 1,139 Total income tax expense $ 20,614 16,994 18,669 The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2021 and 2020, are as follows: December 31, (dollars in thousands) 2021 2020 Deductible temporary differences Deductible temporary differences Benefits and deferred remuneration $ (7,335 ) (6,178 ) Difference in reporting the allowance for loan losses, net 12,369 12,820 Other income or expense not yet reported for tax purposes 1,907 534 Depreciable assets (2,068 ) (2,541 ) Net deferred tax asset at end of year 4,873 4,635 Net deferred tax asset at beginning of year 4,635 3,568 Deferred tax (benefit) expense $ (238 ) (1,067 ) 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 $4.9 million and $4.6 million at December 31, 2021 and 2020, respectively, will be realized. In addition to the deferred tax items described in the preceding table, the Company has deferred tax assets/(liabilities) of $1 thousand and $(2.5) million at December 31, 2021 and 2020, respectively, relating to the net unrealized losses/ gains on securities available for sale and deferred tax liabilities of approximately $4.2 million and $1.6 million at December 31, 2021 and 2020, 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 income. The effective tax rates differ from the statutory federal income tax rate. The reasons for these differences are as follows: For the year ended December 31, 2021 2020 2019 Statutory federal income tax rate 21.0 % 21.0 21.0 Increase/(decrease) in taxes resulting from: State income tax, net of federal tax benefit 3.2 2.4 2.6 Other items 0.9 1.1 0.8 Effective income tax rate 25.1 % 24.5 24.4 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 2021, 2020, and 2019, 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 2017 2020 Company’s

Benefit Plans

Benefit Plans	12 Months Ended
	Dec. 31, 2021
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 while the plan was in effect. This plan was frozen as of December 31, 2006. 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 consecutive years’ compensation in the ten years preceding retirement multiplied by a percentage of service after a specified date plus (b) a benefit based upon career average compensation. The amounts contributed to the plan are determined annually on the basis of (a) the maximum amount that can be deducted for federal income tax purposes or (b) the amount certified by a consulting actuary as necessary to avoid an accumulated funding deficiency as defined by the Employee Retirement Income Security Act of 1974. Contributions are intended to provide for benefits attributed to service to date. Assets of the plan are administered by Trustco Bank’s Financial Services Department. The following tables set forth the plan’s funded status and amounts recognized in the Company’s consolidated statements of condition at December 31, 2021 and 2020: Change in Projected Benefit Obligation: December 31, (dollars in thousands) 2021 2020 Projected benefit obligation at beginning of year $ 33,504 30,824 Service cost - 37 Interest cost 856 1,076 Benefit payments and expected expenses (2,142 ) (1,956 ) Net actuarial (gain) loss (1,313 ) 3,523 Projected benefit obligation at end of year $ 30,905 33,504 Change in Plan Assets and Reconciliation of Funded Status: December 31, (dollars in thousands) 2021 2020 Fair Value of plan assets at beginning of year $ 56,237 51,264 Actual gain on plan assets 8,952 6,953 Benefit payments and actual expenses (2,123 ) (1,980 ) Fair value of plan assets at end of year 63,066 56,237 Funded status at end of year $ 32,161 22,733 Amounts recognized in accumulated other comprehensive income (loss) consist of the following as of: December 31, 2021 2020 Net actuarial (gain) loss $ (6,038 ) 1,401 The accumulated benefit obligation was $30.9 million and $33.5 million at December 31, 2021 and 2020, respectively. Components of Net Periodic Pension Income and Other Amounts Recognized in Other Comprehensive Income (Loss): For the years ended December 31, (dollars in thousands) 2021 2020 2019 Service cost $ - 37 42 Interest cost 856 1,076 1,244 Expected return on plan assets (2,846 ) (3,020 ) (2,811 ) Amortization of net loss - - 59 Net periodic pension credit (1,990 ) (1,907 ) (1,466 ) Amortization of net loss - - (59 ) Net actuarial (gain) loss included in other comprehensive income (loss) (7,439 ) (386 ) (3,275 ) Total recognized in other comprehensive income (loss) (7,439 ) (386 ) (3,334 ) Total recognized in net periodic benefit (credit) cost and other comprehensive income (loss) $ (9,429 ) (2,293 ) (4,800 ) 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 2022 $ 1,743 2023 1,739 2024 1,753 2025 1,763 2026 1,780 2027 - 2031 8,984 The assumptions used to determine benefit obligations at December 31 are as follows: 2021 2020 2019 Discount rate 2.96 % 2.65 3.56 The assumptions used to determine net periodic pension expense (benefit) for the years ended December 31 are as follows: 2021 2020 2019 Discount rate 2.65 % 3.56 4.53 Expected long-term rate of return on assets 5.25 6.00 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, 2021 and 2020. 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 $2.7 million, $2.2 million, and $1.9 million, in 2021, 2020, and 2019, 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, 2021 and 2020, the trusts had assets totaling $2.3 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, 2021 and 2020: Change in Accumulated Benefit Obligation: (dollars in thousands) December 31, 2021 2020 Accumulated benefit obligation at beginning of year $ 6,609 6,134 Service cost 75 73 Interest cost 190 203 Prior Service cost 611 - Benefits paid (80 ) (116 ) Net actuarial (gain) loss (389 ) 315 Accumulated benefit obligation at end of year $ 7,016 6,609 Change in Plan Assets and Reconciliation of Funded Status: (dollars in thousands) December 31, 2021 2020 Fair value of plan assets at beginning of year $ 29,126 26,358 Actual gain on plan assets 4,243 2,793 Company contributions 55 91 Benefits paid and actual expenses (80 ) (116 ) Fair value of plan assets at end of year 33,344 29,126 Funded status at end of year $ 26,328 22,517 Amounts recognized in accumulated other comprehensive income consist of the following as of: (dollars in thousands) December 31, 2021 2020 Net actuarial gain $ (10,165 ) (7,370 ) Prior service credit (232 ) (438 ) Total $ (10,397 ) (7,808 ) The accumulated benefit obligation was $7.0 million and $6.6 million at December 31, 2021 and 2020, respectively. Components of Net Periodic Benefit Income and Other Amounts Recognized in Other Comprehensive Income (Loss): (dollars in thousands) December 31, 2021 2020 2019 Service cost $ 75 73 65 Interest cost 190 203 239 Expected return on plan assets (1,163 ) (1,183 ) (990 ) Amortization of net actuarial gain (674 ) (708 ) (333 ) Amortization of prior service cost (credit) 405 (196 ) (197 ) Net periodic benefit credit (1,167 ) (1,811 ) (1,216 ) Net (gain) loss (3,469 ) (1,295 ) (2,692 ) Amortization of prior service (cost) credit (405 ) 196 197 Prior service cost 611 - - Amortization of net gain 674 708 333 Total amount recognized in other comprehensive loss (2,589 ) (391 ) (2,162 ) Total amount recognized in net periodic benefit cost and other comprehensive loss $ (3,756 ) (2,202 ) (3,378 ) The estimated amount of net gain that will be amortized from accumulated other comprehensive income (loss) into net periodic benefit income over the next fiscal year is approximately $1.1 million while the estimated amount of prior service cost that will be amortized from accumulated other comprehensive income (loss) into net periodic benefit income (loss) over the next fiscal year is approximately $313 thousand. Expected Future Benefit Payments The following benefit payments are expected to be paid: (dollars in thousands) Year Postretirement Benefits 2022 $ 114 2023 130 2024 148 2025 172 2026 199 2027 - 2031 1,412 The discount rate assumption used to determine benefit obligations at December 31 is as follows: 2021 2020 2019 Discount rate 2.96 % 2.65 3.56 The assumptions used to determine net periodic pension expense (benefit) for the years ended December 31 are as follows: 2021 2020 2019 Discount rate 2.65 % 3.56 4.53 Expected long-term rate of return on assets, net of tax 4.00 4.50 4.50 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. (d) Components of Accumulated Other Comprehensive Income (Loss) Related to Retirement and Postretirement Benefit Plans The following table details the change in the components of other comprehensive income (loss) related to the retirement plan and the postretirement benefit plan, at December 31, 2021 and 2020, respectively: (dollars in thousands) December 31, 2021 Retirement Plan Post- Retirement Benefit Plan Total Change in overfunded position of pension and postretirement benefits $ (7,439 ) (3,469 ) (10,908 ) Prior service cost - 611 611 Amortization of net actuarial gain - 674 674 Amortization of prior service cost - (405 ) (405 ) Total $ (7,439 ) (2,589 ) (10,028 ) December 31, 2020 Retirement Plan Post- Retirement Benefit Plan Total Change in overfunded position of pension and postretirement benefits $ (386 ) (1,295 ) (1,681 ) Amortization of net actuarial gain - 708 708 Amortization of prior service credit - 196 196 Total (386 ) (391 ) (777 ) (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 2021 2020 2021 2020 Debt Securities 33 % 23 32 24 Equity Securities 62 68 63 66 Other 5 9 5 10 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, 2021 and 2020, by asset category, is as follows: Fair Value Measurements at 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 $ 3,075 3,075 - - Equity mutual funds 39,249 39,249 - - U.S. government sponsored enterprises 17,032 - 17,032 - Corporate bonds 3,041 - 3,041 - Fixed income mutual funds 669 669 - - Total Plan Assets $ 63,066 42,993 20,073 - Fair Value Measurements at December 31, 2021 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 $ 1,600 1,600 - - Equity mutual funds 21,005 21,005 - - U.S. government sponsored enterprises 8,712 - 8,712 - Corporate bonds 2,027 - 2,027 - Total Plan Assets $ 33,344 22,605 10,739 - Fair Value Measurements at December 31, 2020 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 $ 4,809 4,809 - - Equity mutual funds 38,352 38,352 - - U.S. government sponsored enterprises 4,983 - 4,983 - Corporate bonds 7,427 - 7,427 - Fixed income mutual funds 666 666 - - Total Plan Assets $ 56,237 43,827 12,410 - Fair Value Measurements at December 31, 2020 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 $ 2,887 2,887 - - Equity mutual funds 19,304 19,304 - - U.S. government sponsored enterprises 3,607 - 3,607 - Corporate bonds 3,328 - 3,328 - Total Plan Assets $ 29,126 22,191 6,935 - At December 31, 2021 and 2020, 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 2021 and 2020. The Company made no contributions to its pension and postretirement benefit plans in 2021 or 2020. The Company does not expect to make any contributions to its pension and postretirement benefit plans in 2022. (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 2021, 2020 or 2019 but were replaced with Company contributions to the 401(k) feature of the plan. Expenses related to the plan aggregated $1.3 million for 2021, and $1.2 million for both 2020 and 2019. 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 $3.2 million, $3.3 million and $2.9 million in 2021, 2020 and 2019, respectively. The Company has also awarded 291 thousand 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, 2010, the weighted average strike price of each unit was $44.37. The performance bonus units and the weighted average strike price of each unit were adjusted for the 1 for 5 (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. Awards previously made under the prior plans remain in effect in accordance with the terms of those awards. 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, 2021, the Company may issue approximately thousand shares of our common stock pursuant to options, SARs, restricted stock, and restricted stock units (both time based and performance based). 1 for 5 Under the 2019 Equity Incentive Plan, the exercise price of each option may 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 may 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 , 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, 2021 and changes during the year then ended, are as follows 1 for 5 Outstanding Options Number of Options Weighted Average Exercise Price Weighted Average Remaining Contractual Life Balance, January 1, 2021 103,824 $ 33.35 New options awarded - 2021 - - Expired options - 2021 (3,590 ) 27.08 Options forfeited - 2021 - - Exercised options - 2021 (9,923 ) 26.23 Balance, December 31, 2021 90,311 $ 34.38 2.81 years Exercisable Options Balance, December 31, 2021 90,311 $ 34.38 2.81 years At December 31, 2021, the intrinsic value of outstanding stock options and vested stock options was approximately $43 thousand. All outstanding options were vested as of December was During and options for and shares of stock were exercised, respectively., adjusted for the 1 for 5 Income tax benefits recognized in the accompanying Consolidated Statements of Income related to stock-based compensation were not materia 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 2021, 2020, or 2019. There was no stock-based compensation expense recognized in 2021. During 2020, and 2019, the Company recognized $15 thousand, and $5 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 2021, 2020 and 2019. The activity for service-based awards during 2021 was as follows: Restricted share units Outstanding Units Balance, December 31, 2020 (1) 69,264 New awards granted 46,940 Forfeited awards - Awards settled (1) (33,572 ) Balance, December 31, 2021 (1) 82,632 (1) Unit amounts have been adjusted for all periods presented for the 1 for 5 Service-Based Awards: During 2021 and 2020, the Company issued restricted share units to certain eligible officers, executives and members of 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 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 2021, 2020 and 2019, the Company recognized $1.2 million, $715 thousand and $743 thousand, respectively, in stock ‑ During of the awards granted in and became vested and settled. The liability related to service-based liability awards was approximately $229 thousand and $187 thousand at December 31, 2021 and 2020, respectively. The activity for performance-based awards during 2021 was as follows: Performance share units Outstanding Units Balance, December 31, 2020 (1) 118,320 New awards granted (1) 54,478 Forfeited awards - Awards settled (1) (27,683 ) Balance, December 31, 2021 (1) 145,115 (1) Unit amounts have been adjusted for all periods presented for the 1 for 5 Performance Based Awards: During 2021, 2020 and 2019, 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 2018, those have been fully vested and unpaid. For units granted subsequent to 2018, all of the units are unvested as of December 31, 2021, and the Company expects to meet the required performance criteria of the awards. During 2021, 2020 and 2019, the Company recognized approximately $1.8 million, $500 thousand and $1.6 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, 2021. The weighted average period over which the unrecognized expense is expected to be recognized was approximately 25 months as of December 31, 2021. The liability related to performance based liability awards totaled $2.9 million and $2.1 million at December 31, 2021 and 2020, respectively.

Commitments and Contingent Liab

Commitments and Contingent Liabilities	12 Months Ended
	Dec. 31, 2021
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 $8.4 million for 2021, $7.8 million for 2020 and $7.6 million in 2019. The Company is contractually obligated to pay these third -party service providers approximately $8 to $9 million per year through 2025.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2021
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 2021, 2020 and 2019 follows: (dollars in thousands, except per share data) For the years ended December 31 2021 2020 2019 Net income $ 61,519 52,452 57,840 Weighted average common shares (1) 19,259 19,301 19,370 Effect of dilutive common stock options (1) 4 2 16 Weighted average common shares including potential dilutive shares (1) 19,263 19,303 19,386 Basic EPS (1) $ 3.194 2.718 2.986 Diluted EPS (1) $ 3.194 2.717 2.984 (1) Share and per share amounts have been adjusted for all periods presented for the 1 for 5 For the years ended December and there were and thousand, respectively, of antidilutive stock options excluded from diluted earnings per share

Off-Balance Sheet Financial Ins

Off-Balance Sheet Financial Instruments	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020, was $469.7 million and $458.2 million, respectively. Approximately 81% and 83% of these commitments were for variable rate products at the end of 2021 and 2020, 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 $5.3 million and $5.4 million at December 31, 2021 and 2020, 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‑to‑value ratios are generally consistent with loan‑to‑value requirements for other commercial loans secured by similar types of collateral. The fair value of the Company’s standby letters of credit at December 31, 2021 and 2020 was insignificant. No losses are anticipated as a result of loan commitments or standby letters of credit.

Fair Value

Fair Value	12 Months Ended
	Dec. 31, 2021
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, 2021 Using: (dollars in s) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Securities available for sale: U.S. government sponsored enterprises $ 59,179 $ - $ 59,179 $ - State and political subdivisions 41 - 41 - Mortgage backed securities and collateralized mortgage obligations - residential 270,798 - 270,798 - Corporate bonds 45,337 - 45,337 - Small Business Administration - guaranteed participation securities 31,674 - 31,674 - Other 684 - 684 - Total securities available for sale $ 407,713 $ - $ 407,713 $ - Fair Value Measurements at December 31, 2020 Using: (dollars in s) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Securities available for sale: U.S. government sponsored enterprises $ 19,968 $ - $ 19,968 $ - State and political subdivisions 103 - 103 - Mortgage backed securities and collateralized mortgage obligations - residential 316,158 - 316,158 - Corporate bonds 59,939 - 59,939 - Small Business Administration - guaranteed participation securities 42,217 - 42,217 - Other 686 - 686 - Total securities available for sale $ 439,071 $ - $ 439,071 $ - There were no transfers between Level 1 and Level 2 in 2021 and 2020. Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements at December 31, 2021 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 $ 362 $ - $ - $ 362 Sales comparison approach Adjustments for differences between comparable sales 1% - 14% (6 %) Impaired loans: Real estate mortgage - 1 to 4 family - - - - Sales comparison approach Adjustments for differences between comparable sales N/A Fair Value Measurements at December 31, 2020 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 $ 541 $ - $ - $ 541 Sales comparison approach Adjustments for differences between comparable sales 1% - 7% (2 %) Impaired loans: Real estate mortgage - 1 to 4 family 211 - - 211 Sales comparison approach Adjustments for differences between comparable sales 11% - 12% (12 %) Other real estate owned, which is carried at fair value less costs to sell, was approximately $362 thousand at December 31, 2021, and consisted of only residential real estate properties. A valuation charge of $121 thousand is included in earnings for the year ended December 31, 2021. Of the total impaired loans of $18.5 million at December 31, 2021, there are no impairments that 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, 2021. There were no gross charge-offs related to residential impaired loans included in the table above. Other real estate owned, which is carried at fair value less costs to sell, was approximately $541 thousand at December 31, 2020, and consisted of only residential real estate properties. A valuation charge of $120 thousand is included in earnings for the year ended December 31, 2020. Of the total impaired loans of $21.6 million at December 31, 2020, $211 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, 2020. Gross charge-offs related to residential impaired loans included in the table above amounted to $10 thousand. In accordance with ASC 825, the carrying amounts and estimated fair values (exit price) of financial instruments at December 31, 2021 and 2020 are as follows: (dollars in thousands) Carrying Fair Value Measurements at December 31, 2021 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 1,219,470 1,219,470 - - 1,219,470 Securities available for sale 407,713 - 407,713 - 407,713 Held to maturity securities 9,923 - 10,695 - 10,695 Federal Reserve Bank and Federal Home Loan Bank stock 5,604 N/A N/A N/A N/A Net loans 4,394,512 - - 4,451,031 4,451,031 Accrued interest receivable 9,099 10 1,235 7,854 9,099 Financial liabilities: Demand deposits 794,878 794,878 - - 794,878 Interest bearing deposits 4,473,251 3,477,937 993,676 - 4,471,613 Short-term borrowings 244,686 - 244,686 - 244,686 Accrued interest payable 163 34 129 - 163 (dollars in thousands) Carrying Fair Value Measurements at December 31, 2020 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 1,107,099 1,107,099 - - 1,107,099 Securities available for sale 439,071 - 439,071 - 439,071 Held to maturity securities 13,824 - 14,988 - 14,988 Federal Reserve Bank and Federal Home Loan Bank stock 5,506 N/A N/A N/A N/A Net loans 4,194,875 - - 4,287,585 4,287,585 Accrued interest receivable 10,031 39 1,458 8,534 10,031 Financial liabilities: Demand deposits 652,756 652,756 - - 652,756 Interest bearing deposits 4,384,437 3,088,064 1,298,375 - 4,386,439 Short-term borrowings 214,755 - 214,755 - 214,755 Accrued interest payable 474 68 406 - 474

Regulatory Capital Requirements

Regulatory Capital Requirements	12 Months Ended
	Dec. 31, 2021
Regulatory Capital Requirements [Abstract]
Regulatory Capital Requirements	(14) Regulatory Capital Requirements Depository institutions and their holding companies are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy rules and 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 capital rules include a capital conservation buffer of 2.5% 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 capital distributions, including dividend payments and stock repurchases, and to pay discretionary bonuses to executive officers. As of December 31, 2021, the Company and Bank meet all capital adequacy requirements to which they are subject and reported capital in levels that exceeded the capital conservation buffer 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. If a bank is not classified as well capitalized, its ability to accept brokered deposits is restricted. 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, 2021 and December 31, 2020, 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, 2021 and 2020, for Trustco Bank: As of December 31, 2021 Well Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio $ 570,594 9.324 % 5.000 % 4.000 % Common equity Tier 1 capital 570,594 18.954 6.500 7.000 Tier 1 risk-based capital 570,594 18.954 8.000 8.500 Total risk-based capital 608,308 20.206 10.000 10.500 As of December 31, 2020 Well Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio $ 539,897 9.378 % 5.000 % 4.000 % Common equity Tier 1 capital 539,897 18.646 6.500 7.000 Tier 1 risk-based capital 539,897 18.646 8.000 8.500 Total risk-based capital 576,257 19.902 10.000 10.500 The following is a summary of actual capital amounts and ratios as of December 31, 2021 and 2020 for TrustCo on a consolidated basis. As of December 31, 2021 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio $ 588,427 9.614 % 4.000 % Common equity Tier 1 capital 588,427 19.541 7.000 Tier 1 risk-based capital 588,427 19.541 8.500 Total risk-based capital 626,150 20.794 10.500 As of December 31, 2020 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio $ 555,672 9.650 % 4.000 % Common equity Tier 1 capital 555,672 19.187 7.000 Tier 1 risk-based capital 555,672 19.187 8.500 Total risk-based capital 592,040 20.443 10.500 (1) Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized (2) The December 31, 2021 and 2020 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income	12 Months Ended
	Dec. 31, 2021
Accumulated Other Comprehensive Income [Abstract]
Accumulated Other Comprehensive Income	(15) Accumulated Other Comprehensive Income The following is a summary of the accumulated other comprehensive income (loss) balances, net of tax: December 31, 2021 (dollars in thousands) Balance at 12/31/2020 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- year ended 12/31/2021 Balance at 12/31/2021 Net unrealized holding gain (loss) on securities available for sale, net of tax $ 7,186 (7,212 ) - (7,212 ) (26 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 6,084 7,622 - 7,622 13,706 Net change in net actuarial gain and prior service credit on pension and pension and postretirement benefit plans, net of tax (1,334 ) (199 ) (199 ) (1,533 ) Accumulated other comprehensive income (loss), net of tax 11,936 410 (199 ) 211 12,147 December 31, 2020 (dollars in thousands) Balance at 12/31/2019 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- year ended 12/31/2020 Balance at 12/31/2020 Net unrealized holding gain on securities available for sale, net of tax $ 286 7,755 (855 ) 6,900 7,186 Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 4,840 1,244 - 1,244 6,084 Net change in net actuarial gain and prior service credit on pension and pension and postretirement benefit plans, net of tax (665 ) - (669 ) (669 ) (1,334 ) Accumulated other comprehensive (loss) income, net of tax 4,461 8,999 (1,524 ) 7,475 11,936 December 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) gain 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 gain and prior service credit on pension and pension and postretirement benefit plans, net of tax (316 ) - (349 ) (349 ) (665 ) Accumulated other comprehensive (loss) income, net of tax (10,309 ) 15,119 (349 ) 14,770 4,461 The following represents the reclassifications out of accumulated other comprehensive income (loss) for the years ended December 31, 2021, 2020 and 2019: (dollars in thousands) Years ended December 31, 2021 2020 2019 Affected Line Item in Financial Statements Unrealized gains on securities available for sale: Realized gain on securities transactions $ - 1,155 - Net gain on securities transactions Income tax expense - (300 ) - Income taxes Net of tax - 855 - Amortization of pension and postretirement benefit items: Prior Service Cost Amortization of net actuarial gain 674 708 274 Salaries and employee benefits Amortization of prior service (cost) credit (405 ) 196 197 Salaries and employee benefits Income tax benefit (70 ) (235 ) (122 ) Income taxes Net of tax 199 669 349 Total reclassifications, net of tax $ 199 1,524 349

Revenue from Contracts with Cus

Revenue from Contracts with Customers	12 Months Ended
	Dec. 31, 2021
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, 2021 2020 and 2019. Items outside the scope of ASC 606 are noted as such. (dollars in thousands) December 31, 2021 2020 2019 Non-interest income Service Charges on Deposits Overdraft fees $ 2,660 2,665 3,571 Other 1,940 1,629 459 Interchange Income 5,281 4,199 4,065 Net gain on securities transactions (a) – 1,155 – Wealth management fees 7,358 6,279 6,387 Other (a) 698 1,243 4,109 Total non-interest income $ 17,937 17,170 18,591 (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, 2021
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 December 31, 2021 the Company did not have any leases with terms of twelve months or less. As of December 31, 2021 the Company has one lease that the construction has not started yet. At December 31, 2021 lease expiration dates ranged from three months to 22.8 years and have a weighted average remaining lease term of 9.3 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) 2021 2020 2019 Operating lease cost $ 8,128 8,044 7,808 Variable lease cost 2,015 2,029 1,968 Total Lease costs $ 10,143 10,073 9,776 Supplemental cash flows information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 8,192 8,042 7,839 Right-of-use assets obtained in exchange for lease obligations: $ 6,588 2,548 57,464 Weighted average remaining lease term (years) 9.3 9.0 9.4 Weighted average discount rate 3.0 % 3.2 % 3.3 % Future minimum lease payments under non-cancellable leases as of December 31, 2021 were as follows: (dollars in thousands) Year ending December 31, 2022 $ 8,125 2023 7,912 2024 7,789 2025 7,416 2026 6,443 Thereafter 22,868 Total lease payments $ 60,553 Less: Interest 7,833 Present value of lease liabilities $ 52,720 A member of the Board of Directors has an ownership interest in five entities that own commercial real estate leased by the Company for use as branch locations. Total lease payments from the Company to those entities, which are included in the table above, owed at December 31, 2021, were $3.6 million, which includes interest in the amount of $498 thousand. As of December 31, 2021 and 2020, the operating lease right-of-use asset was $48.1 million and $47.9 million, respectively.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	12 Months Ended
	Dec. 31, 2021
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	(18) Recent Accounting Pronouncements In September 2016, the FASB released ASU 2016-13, “Financial Instruments - Credit Losses” (referred to as “CECL”) 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 form credit loss estimates. As previously disclosed, the Company formed a cross-functional team to work through its implementation of CECL. The Company has selected the Discounted Cash Flow modeling method and has run parallel processes and is in final review stages of completing its documentation including third party model validations. The Company had previously elected to delay its adoption of CECL, as provided by the CARES Act until the date on which the National Emergency concerning COVID-19 was terminated or December 31, 2020, whichever occurred first. The December 31, 2020 adoption date under the CARES Act was extended to January 1, 2022 as a part of the COVID-19 Relief Bill, which became law in December 2020, and therefore the Company has adopted CECL on January 1, 2022.

Parent Company Only

Parent Company Only	12 Months Ended
	Dec. 31, 2021
Parent Company Only [Abstract]
Parent Company Only	(19) Parent Company Only The following statements pertain to TrustCo Bank Corp NY (Parent Company): Statements of Comprensive Income (dollars in thousands) Years ended December 31, 2021 2020 2019 Income: Dividends and interest from subsidiaries $ 34,096 31,100 28,340 Net gain on securities transactions – – – Miscellaneous income – – – Total income 34,096 31,100 28,340 Expense: Operating supplies 21 20 82 Professional services 819 655 651 Miscellaneous expense 3,419 1,666 2,811 Total expense 4,259 2,341 3,544 Income before income taxes and subsidiaries’ undistributed earnings 29,837 28,759 24,796 Income tax benefit (972 ) (558 ) (837 ) Income before subsidiaries’ undistributed earnings 30,809 29,317 25,633 Equity in undistributed earnings of subsidiaries 30,710 23,135 32,207 Net income $ 61,519 52,452 57,840 Change in other comprehensive income 211 7,475 14,770 Comprehensive income $ 61,730 59,927 72,610 Statement of Condition (dollars in thousands) December 31, 2021 2020 Assets: Cash in subsidiary bank $ 26,725 24,154 Investments in subsidiaries 583,307 552,399 Securities available for sale 36 36 Other assets 681 555 Total assets 610,749 577,144 Liabilities and shareholders’ equity: Accrued expenses and other liabilities 9,621 8,983 Total liabilities 9,621 8,983 Shareholders’ equity 601,128 568,161 Total liabilities and shareholders’ equity $ 610,749 577,144 Statements of Cash Flows (dollars in thousands) Years ended December 31, 2021 2020 2019 Increase/(decrease) in cash and cash equivalents: Cash flows from operating activities: Net income $ 61,519 52,452 57,840 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of subsidiaries (30,710 ) (23,135 ) (32,207 ) Stock based compensation expense – 15 5 Net change in other assets and accrued expenses 354 515 246 Total adjustments (30,356 ) (22,605 ) (31,956 ) Net cash provided by operating activities 31,163 29,847 25,884 Cash flows from investing activities: Purchases of securities available for sale – (1 ) – Net cash used in investing activities – (1 ) – Cash flows from financing activities: Cash used to settle fractional shares in the Reverse Stock Split (200 ) – – Proceeds from exercise of stock options 260 – 185 Dividends paid (26,266 ) (26,317 ) (26,372 ) Payments to acquire treasury stock (2,386 ) (3,493 ) (35 ) Proceeds from sales of treasury stock – – 1,791 Net cash used in financing activities (28,592 ) (29,810 ) (24,431 ) Net increase in cash and cash equivalents 2,571 36 1,453 Cash and cash equivalents at beginning of year 24,154 24,118 22,665 Cash and cash equivalents at end of year $ 26,725 24,154 24,118

Basis of Presentation (Policies

Basis of Presentation (Policies)	12 Months Ended
	Dec. 31, 2021
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.
Reverse Stock Split	Reverse Stock Split Effective as of May 28, 2021, the Company completed a 1 -for -5
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.
Risks and Uncertainties	Risks and Uncertainties Beginning in March 2020, the Company experienced negative impacts to its business in the form of requests for loan deferrals of principal and interest due to the business disruption caused by COVID-19. In March 2020, the World Health Organization categorized COVID-19 as a pandemic, and the President of the United States declared the COVID-19 outbreak a national emergency. On March 3, 2020, the Federal Reserve reduced the target federal funds rate by 50 basis points, followed by an additional reduction of 100 basis points on March 16, 2020. The Company has evaluated the impact of the effects of COVID-19 and determined that there were no material or systematic adverse impacts on the Company’s December 31, 2021 and 2020 financial statements except for adjustments to the provision for loan losses and related allowance for loan losses. As of December 31, 2021 and 2020 the Company and Bank capital ratios were in excess of all regulatory requirements. While management believes that we have sufficient capital to withstand any further economic challenges brought on by the COVID-19 pandemic, our reported and regulatory capital ratios, as well as the ability of the Company and the Bank to pay dividends or make other distributions, could be adversely impacted by unanticipated credit losses. At this time, we do not believe there exists any impairment to our goodwill, long-lived assets, right of use assets, held to maturity investment securities, or available-for-sale investment securities due to the COVID-19 pandemic. It is uncertain whether prolonged effects of the COVID-19 pandemic will result in future impairment charges related to any of the aforementioned assets and continue to negatively impact net interest income, provision for loan losses, and noninterest income Loan modifications and payment deferrals as a result of COVID-19 that met the criteria established under Section 4013 of the CARES Act or under applicable interagency guidance of the federal banking regulators were excluded from evaluation of TDR classification and were reported as current during the payment deferral period. The Company’s policy was to continue to accrue interest during the deferral period. Loans not meeting the CARES ACT or regulatory guidance were evaluated for TDR and non-accrual treatment under the Company’s existing policies and procedures.
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 ‑ ‑ 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 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 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 of New York (Reserve Bank) and Federal Home Loan Bank (FHLB) stock	Federal Reserve Bank of New York (Reserve Bank) 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 was also a member of the Federal Reserve Bank of New York until it discontinued its membership in 2020 and the Reserve Bank stock was redeemed. Prior to the stock redemption, the Reserve Bank stock was carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Any dividends received were 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 TDR’s and classified as impaired. As noted before, loan modifications and payment deferrals as a result of COVID-19 that meet the criteria established under Section 4013 of the CARES Act or under applicable federal banking agency guidance are excluded from evaluation of TDR classification and will continue to be reported as current during the payment deferral period. Loans not meeting the CARES Act or regulatory guidance are evaluated for TDR and non-accrual treatment under the Company’s existing policies and procedures 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:
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, 2021 and 2020, there were $362 thousand and $541 thousand, 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 2022, the Bank could declare dividends of approximately $86.1 million plus any 2022 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 who participated in the plan before it was frozen as of December 31, 2006. The benefits are based on years of service and the employee’s compensation 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	Comprehensive Income Comprehensive income 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, 2021
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, 2021 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 59,976 - 797 59,179 State and political subdivisions 41 - - 41 Mortgage backed securities and collateralized mortgage obligations - residential 269,907 3,367 2,476 270,798 Corporate bonds 45,805 157 625 45,337 Small Business Administration - guaranteed participation securities 31,303 371 - 31,674 Other 685 - 1 684 Total securities available for sale $ 407,717 3,895 3,899 407,713 (dollars in thousands) December 31, 2020 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 20,000 - 32 19,968 State and political subdivisions 103 - - 103 Mortgage backed securities and collateralized mortgage obligations - residential 308,432 7,749 23 316,158 Corporate bonds 59,185 916 162 59,939 Small Business Administration - guaranteed participation securities 40,955 1,262 - 42,217 Other 685 1 - 686 Total securities available for sale $ 429,360 9,928 217 439,071
Securities, Available-for-sale and Held-to-maturity [Abstract]
Proceeds from Sales, Calls/Paydowns and Maturities of Securities Available for Sale, Gross Realized Gains and Gross Realized Losses	The proceeds from sales, calls/paydowns and maturities of securities available for sale, and gross realized gains and gross realized losses from sales during , and are as follows: Years ended December 31, (dollars in thousands) 2021 2020 2019 Proceeds from sales $ - 29,219 - Proceeds from calls/paydowns 148,609 247,624 192,003 Proceeds from maturities 9,162 10,007 10,052 Gross realized gains - 1,155 - Gross realized losses - - -
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, 2021 (dollars in thousands) Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 9,923 773 1 10,695 Total held to maturity $ 9,923 773 1 10,695 December 31, 2020 (dollars in thousands) Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 13,824 1,164 - 14,988 Total held to maturity $ 13,824 1,164 - 14,988
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, 2021 that represent greater than 10% of shareholders’ equity: (dollars in thousands) Amortized Cost Fair Value Federal National Mortgage Association $ 179,997 180,857 Federal Home Loan Mortgage Corporation 70,829 71,027
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, 2021, 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 $ 15,057 15,215 Due in one year through five years 91,450 90,026 Mortgage backed securities and collateralized mortgage obligations - residential 269,907 270,798 Small Business Administration - guaranteed participation securities 31,303 31,674 $ 407,717 407,713
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, 2021 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 $ 49,279 697 9,900 100 59,179 797 Mortgage backed securities and collateralized mortgage obligations - residential 93,447 1,888 22,098 588 115,545 2,476 Corporate bonds 15,670 171 14,546 454 30,216 625 Other 648 1 - - 648 1 Total $ 159,044 2,757 46,544 1,142 205,588 3,899 (dollars in thousands) December 31, 2020 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 $ 19,968 32 - - 19,968 32 Mortgage backed securities and collateralized mortgage obligations - residential 19,471 23 - - 19,471 23 Corporate bonds 14,901 99 4,937 63 19,838 162 Total $ 54,340 154 4,937 63 59,277 217
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, 2021, 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 $ 9,923 10,695 $ 9,923 10,695

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 147,063 21,653 168,716 Other 30,889 595 31,484 Real estate mortgage - 1 to 4 family: First mortgages 2,723,734 1,212,568 3,936,302 Home equity loans 48,190 13,695 61,885 Home equity lines of credit 175,134 55,842 230,976 Installment 7,368 2,048 9,416 Total loans, net $ 3,132,378 1,306,401 4,438,779 Less: Allowance for loan losses 44,267 Net loans $ 4,394,512 December 31, 2020 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 148,775 18,666 167,441 Other 44,932 119 45,051 Real estate mortgage - 1 to 4 family: First mortgages 2,606,781 1,098,915 3,705,696 Home equity loans 59,400 15,071 74,471 Home equity lines of credit 193,654 48,540 242,194 Installment 7,810 1,807 9,617 Total loans, net $ 3,061,352 1,183,118 4,244,470 Less: Allowance for loan losses 49,595 Net loans $ 4,194,875 * 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, 2021 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 67 - 67 Other 45 - 45 Real estate mortgage - 1 to 4 family: First mortgages 13,990 1,797 15,787 Home equity loans 247 45 292 Home equity lines of credit 2,337 174 2,511 Installment 23 14 37 Total non-accrual loans 16,709 2,030 18,739 Restructured real estate mortgages - 1 to 4 family 17 - 17 Total nonperforming loans $ 16,726 2,030 18,756 December 31, 2020 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 372 - 372 Other 80 - 80 Real estate mortgage - 1 to 4 family: First mortgages 16,637 1,010 17,647 Home equity loans 80 47 127 Home equity lines of credit 2,662 130 2,792 Installment 43 - 43 Total non-accrual loans 19,874 1,187 21,061 Restructured real estate mortgages - 1 to 4 family 23 - 23 Total nonperforming loans $ 19,897 1,187 21,084 * Includes New York, New Jersey, Vermont and Massachusetts.
Aging of Recorded Investment in Past Due Loans by Loan Class and by Region	The following tables present the aging of the recorded investment in past due loans by loan class and by region December 31, 2021 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 $ - 233 45 278 146,785 147,063 Other - - - - 30,889 30,889 Real estate mortgage - 1 to 4 family: First mortgages 1,303 239 9,867 11,409 2,712,325 2,723,734 Home equity loans 136 - 224 360 47,830 48,190 Home equity lines of credit 355 458 911 1,724 173,410 175,134 Installment 27 5 4 36 7,332 7,368 Total $ 1,821 935 11,051 13,807 3,118,571 3,132,378 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 $ - - - - 21,653 21,653 Other - - - - 595 595 Real estate mortgage - 1 to 4 family: First mortgages 869 180 1,146 2,195 1,210,373 1,212,568 Home equity loans - 45 - 45 13,650 13,695 Home equity lines of credit - 89 - 89 55,753 55,842 Installment 18 - 5 23 2,025 2,048 Total $ 887 314 1,151 2,352 1,304,049 1,306,401 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 $ - 233 45 278 168,438 168,716 Other - - - - 31,484 31,484 Real estate mortgage - 1 to 4 family: First mortgages 2,172 419 11,013 13,604 3,922,698 3,936,302 Home equity loans 136 45 224 405 61,480 61,885 Home equity lines of credit 355 547 911 1,813 229,163 230,976 Installment 45 5 9 59 9,357 9,416 Total $ 2,708 1,249 12,202 16,159 4,422,620 4,438,779 * Includes New York, New Jersey, Vermont and Massachusetts. December 31, 2020 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 $ 125 77 279 481 146,582 147,063 Other - - 80 80 44,852 44,932 Real estate mortgage - 1 to 4 family: First mortgages 1,220 982 10,927 13,129 2,593,652 2,606,781 Home equity loans 120 1 48 169 59,231 59,400 Home equity lines of credit 401 344 1,273 2,018 191,636 193,654 Installment 3 - 43 46 7,764 7,810 Total $ 1,869 1,404 12,650 15,923 3,045,429 3,061,352 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 $ - - - - 18,666 18,666 Other - - - - 119 119 Real estate mortgage - 1 to 4 family: First mortgages 365 517 655 1,537 1,097,378 1,098,915 Home equity loans - - 47 47 15,024 15,071 Home equity lines of credit - - - - 48,540 48,540 Installment 7 10 - 17 1,790 1,807 Total $ 372 527 702 1,601 1,181,517 1,183,118 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 $ 125 77 279 481 166,960 167,441 Other - - 80 80 44,971 45,051 Real estate mortgage - 1 to 4 family: First mortgages 1,585 1,499 11,582 14,666 3,691,030 3,705,696 Home equity loans 120 1 95 216 74,255 74,471 Home equity lines of credit 401 344 1,273 2,018 240,176 242,194 Installment 10 10 43 63 9,554 9,617 Total $ 2,241 1,931 13,352 17,524 4,226,946 4,244,470 * 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, 2021 (dollars in thousands) Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 4,140 44,950 505 49,595 Loans charged off: New York and other states* 30 339 58 427 Florida - 1 2 3 Total loan chargeoffs 30 340 60 430 Recoveries of loans previously charged off: New York and other states* 32 464 54 550 Florida - 2 - 2 Total recoveries 32 466 54 552 Net loans charged off (2 ) (126 ) 6 (122 ) Credit for loan losses (1,007 ) (4,387 ) (56 ) (5,450 ) Balance at end of period $ 3,135 40,689 443 44,267 For the year ended December 31, 2020 (dollars in thousands) Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 3,999 39,748 570 44,317 Loans charged off: New York and other states* 36 404 187 627 Florida - - 34 34 Total loan chargeoffs 36 404 221 661 Recoveries of loans previously charged off: New York and other states* 10 314 12 336 Florida - 3 - 3 Total recoveries 10 317 12 339 Net loans charged off 26 87 209 322 Provision for loan losses 167 5,289 144 5,600 Balance at end of period $ 4,140 44,950 505 49,595
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, 2021 and 2020: December 31, 2021 (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 3,135 40,689 443 44,267 Total ending allowance balance $ 3,135 40,689 443 44,267 Loans: Individually evaluated for impairment $ 232 18,272 - 18,504 Collectively evaluated for impairment 199,968 4,210,891 9,416 4,420,275 Total ending loans balance $ 200,200 4,229,163 9,416 4,438,779 December 31, 2020 (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 4,140 44,950 505 49,595 Total ending allowance balance $ 4,140 44,950 505 49,595 Loans: Individually evaluated for impairment $ 1,028 20,553 - 21,581 Collectively evaluated for impairment 211,464 4,001,808 9,617 4,222,889 Total ending loans balance $ 212,492 4,022,361 9,617 4,244,470
Impaired Loans by Loan Class	The following tables present impaired loans by loan class as of December 31, 2021 and 2020: December 31, 2021 New York and other states*: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 187 279 - 1,154 Other 45 45 - 107 Real estate mortgage - 1 to 4 family: First mortgages 13,687 13,875 - 14,072 Home equity loans 161 161 - 235 Home equity lines of credit 1,852 1,939 - 2,256 Total $ 15,932 16,299 - 17,824 Florida: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ - - - 105 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 2,368 2,368 - 2,562 Home equity loans - - - 16 Home equity lines of credit 204 204 - 246 Total $ 2,572 2,572 - 2,929 Total: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 187 279 - 1,259 Other 45 45 - 107 Real estate mortgage - 1 to 4 family: First mortgages 16,055 16,243 - 16,634 Home equity loans 161 161 - 251 Home equity lines of credit 2,056 2,143 - 2,502 Total $ 18,504 18,871 - 20,753 * Includes New York, New Jersey, Vermont and Massachusetts. December 31, 2020 New York and other states*: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 819 943 - 1,186 Other 111 111 - 103 Real estate mortgage - 1 to 4 family: First mortgages 15,024 15,411 - 14,110 Home equity loans 219 240 - 235 Home equity lines of credit 2,158 2,298 - 2,258 Total $ 18,331 19,003 - 17,892 Florida: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 98 98 - 105 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 2,908 2,908 - 2,555 Home equity loans - - - 16 Home equity lines of credit 244 244 - 246 Total $ 3,250 3,250 - 2,922 Total: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 917 1,041 - 1,291 Other 111 111 - 103 Real estate mortgage - 1 to 4 family: First mortgages 17,932 18,319 - 16,665 Home equity loans 219 240 - 251 Home equity lines of credit 2,402 2,542 - 2,504 Total $ 21,581 22,253 - 20,814 * 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, 2021, 2020 and 2019: Year ended 12/31/21 Year ended 12/31/20 Year ended 12/31/19 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 1 $ 125 125 Real estate mortgage - 1 to 4 family: First mortgages 6 1,114 1,114 12 2,303 2,303 18 2,621 2,621 Home equity loans 1 2 2 - - - - - - Home equity lines of credit 2 40 40 3 169 169 2 235 235 Total 9 $ 1,156 1,156 16 $ 2,597 2,597 21 $ 2,981 2,981 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 1 $ 77 77 4 $ 586 586 6 $ 632 632 Home equity loans - - - - - - - - - Home equity lines of credit 1 50 50 - - - - - - Total 2 $ 127 127 4 $ 586 586 6 $ 632 632 * 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, 2021, 2020 and 2019 for which there was a payment default within 12 months of modification: Year ended 12/31/21 Year ended 12/31/20 Year ended 12/31/19 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 - $ - 4 $ 457 2 $ 418 Home equity loans - - 1 19 - - Home equity lines of credit 1 56 - - - - Total 1 $ 56 5 $ 476 2 $ 418 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, 2021 and 2020, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: December 31, 2021 New York and other states*: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 145,500 1,563 147,063 Other 30,726 163 30,889 $ 176,226 1,726 177,952 Florida: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 21,113 540 21,653 Other 595 - 595 $ 21,708 540 22,248 Total: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 166,613 2,103 168,716 Other 31,321 163 31,484 $ 197,934 2,266 200,200 * Includes New York, New Jersey and Massachusetts. December 31, 2020 New York and other states*: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 145,741 3,034 148,775 Other 44,522 410 44,932 $ 190,263 3,444 193,707 Florida: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 18,092 574 18,666 Other 119 - 119 $ 18,211 574 18,785 Total: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 163,833 3,608 167,441 Other 44,641 410 45,051 $ 208,474 4,018 212,492 * Includes New York, New Jersey and Massachusetts.

Bank Premises and Equipment (Ta

Bank Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2021
Bank Premises and Equipment [Abstract]
Summary of Premises and Equipment	A summary of premises and equipment at December 31, 2021 and 2020 follows: (dollars in thousands) 2021 2020 Land $ 2,443 2,414 Buildings 36,327 36,077 Furniture, fixtures and equipment 58,163 56,317 Leasehold improvements 33,918 33,697 Total bank premises and equipment 130,851 128,505 Accumulated depreciation and amortization (97,824 ) (94,093 ) Total $ 33,027 34,412

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Interest Expense on Deposits	Interest expense on deposits was as follows: (dollars in thousands) For the year ended December 31, 2021 2020 2019 Interest bearing checking accounts $ 178 148 288 Savings accounts 624 716 1,338 Time deposits and money market accounts 5,863 22,834 33,227 Total $ 6,665 23,698 34,853
Maturity of Total Time Deposits	At December 31, 2021, the maturity of total time deposits is as follows: (dollars in thousands) Under 1 year $ 906,995 1 to 2 years 75,370 2 to 3 years 11,176 3 to 4 years 1,141 4 to 5 years 499 Over 5 years 133 $ 995,314

Short-Term Borrowings (Tables)

Short-Term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2021
Short-Term Borrowings [Abstract]
Short-Term Borrowings	Short-term borrowings of the Company were cash management accounts as follows: (dollars in thousands) 2021 2020 2019 Amount outstanding at December 31, $ 244,686 214,755 148,666 Maximum amount outstanding at any month end 244,686 213,043 169,214 Average amount outstanding 232,815 180,065 159,220 Weighted average interest rate: For the year 0.39 % 0.56 % 0.92 % As of year end 0.37 0.47 0.90

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 2020 2019 Current tax expense: Federal $ 17,657 15,662 15,171 State 3,195 2,399 2,359 Total current tax expense 20,852 18,061 17,530 Deferred tax (benefit) expense (238 ) (1,067 ) 1,139 Total income tax expense $ 20,614 16,994 18,669
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, 2021 and 2020, are as follows: December 31, (dollars in thousands) 2021 2020 Deductible temporary differences Deductible temporary differences Benefits and deferred remuneration $ (7,335 ) (6,178 ) Difference in reporting the allowance for loan losses, net 12,369 12,820 Other income or expense not yet reported for tax purposes 1,907 534 Depreciable assets (2,068 ) (2,541 ) Net deferred tax asset at end of year 4,873 4,635 Net deferred tax asset at beginning of year 4,635 3,568 Deferred tax (benefit) expense $ (238 ) (1,067 )
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 year ended December 31, 2021 2020 2019 Statutory federal income tax rate 21.0 % 21.0 21.0 Increase/(decrease) in taxes resulting from: State income tax, net of federal tax benefit 3.2 2.4 2.6 Other items 0.9 1.1 0.8 Effective income tax rate 25.1 % 24.5 24.4

Benefit Plans (Tables)

Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2021
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Change in Component of Other Comprehensive income (Loss) Related to Retirement Plan and Post-retirement Benefit Plan	The following table details the change in the components of other comprehensive income (loss) related to the retirement plan and the postretirement benefit plan, at December 31, 2021 and 2020, respectively: (dollars in thousands) December 31, 2021 Retirement Plan Post- Retirement Benefit Plan Total Change in overfunded position of pension and postretirement benefits $ (7,439 ) (3,469 ) (10,908 ) Prior service cost - 611 611 Amortization of net actuarial gain - 674 674 Amortization of prior service cost - (405 ) (405 ) Total $ (7,439 ) (2,589 ) (10,028 ) December 31, 2020 Retirement Plan Post- Retirement Benefit Plan Total Change in overfunded position of pension and postretirement benefits $ (386 ) (1,295 ) (1,681 ) Amortization of net actuarial gain - 708 708 Amortization of prior service credit - 196 196 Total (386 ) (391 ) (777 )
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 2021 2020 2021 2020 Debt Securities 33 % 23 32 24 Equity Securities 62 68 63 66 Other 5 9 5 10 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, 2021 and 2020, by asset category, is as follows: Fair Value Measurements at 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 $ 3,075 3,075 - - Equity mutual funds 39,249 39,249 - - U.S. government sponsored enterprises 17,032 - 17,032 - Corporate bonds 3,041 - 3,041 - Fixed income mutual funds 669 669 - - Total Plan Assets $ 63,066 42,993 20,073 - Fair Value Measurements at December 31, 2021 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 $ 1,600 1,600 - - Equity mutual funds 21,005 21,005 - - U.S. government sponsored enterprises 8,712 - 8,712 - Corporate bonds 2,027 - 2,027 - Total Plan Assets $ 33,344 22,605 10,739 - Fair Value Measurements at December 31, 2020 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 $ 4,809 4,809 - - Equity mutual funds 38,352 38,352 - - U.S. government sponsored enterprises 4,983 - 4,983 - Corporate bonds 7,427 - 7,427 - Fixed income mutual funds 666 666 - - Total Plan Assets $ 56,237 43,827 12,410 - Fair Value Measurements at December 31, 2020 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 $ 2,887 2,887 - - Equity mutual funds 19,304 19,304 - - U.S. government sponsored enterprises 3,607 - 3,607 - Corporate bonds 3,328 - 3,328 - Total Plan Assets $ 29,126 22,191 6,935 -
Summary of the Status of Stock Option Plans	Under the 2019 Equity Incentive Plan, the exercise price of each option may 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 may 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 , 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, 2021 and changes during the year then ended, are as follows 1 for 5 Outstanding Options Number of Options Weighted Average Exercise Price Weighted Average Remaining Contractual Life Balance, January 1, 2021 103,824 $ 33.35 New options awarded - 2021 - - Expired options - 2021 (3,590 ) 27.08 Options forfeited - 2021 - - Exercised options - 2021 (9,923 ) 26.23 Balance, December 31, 2021 90,311 $ 34.38 2.81 years Exercisable Options Balance, December 31, 2021 90,311 $ 34.38 2.81 years
Restricted Share Units	Restricted share units Outstanding Units Balance, December 31, 2020 (1) 69,264 New awards granted 46,940 Forfeited awards - Awards settled (1) (33,572 ) Balance, December 31, 2021 (1) 82,632 (1) Unit amounts have been adjusted for all periods presented for the 1 for 5
Performance Share Units	Performance share units Outstanding Units Balance, December 31, 2020 (1) 118,320 New awards granted (1) 54,478 Forfeited awards - Awards settled (1) (27,683 ) Balance, December 31, 2021 (1) 145,115 (1) Unit amounts have been adjusted for all periods presented for the 1 for 5
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, 2021 and 2020: Change in Projected Benefit Obligation: December 31, (dollars in thousands) 2021 2020 Projected benefit obligation at beginning of year $ 33,504 30,824 Service cost - 37 Interest cost 856 1,076 Benefit payments and expected expenses (2,142 ) (1,956 ) Net actuarial (gain) loss (1,313 ) 3,523 Projected benefit obligation at end of year $ 30,905 33,504
Change in Plan Assets and Reconciliation of Funded Status	Change in Plan Assets and Reconciliation of Funded Status: December 31, (dollars in thousands) 2021 2020 Fair Value of plan assets at beginning of year $ 56,237 51,264 Actual gain on plan assets 8,952 6,953 Benefit payments and actual expenses (2,123 ) (1,980 ) Fair value of plan assets at end of year 63,066 56,237 Funded status at end of year $ 32,161 22,733
Amounts Recognized in Accumulated Other Comprehensive Income (Loss)	Amounts recognized in accumulated other comprehensive income (loss) consist of the following as of: December 31, 2021 2020 Net actuarial (gain) loss $ (6,038 ) 1,401
Components of Net Periodic Pension Income and Other Amounts Recognized in Other Comprehensive Income (Loss)	Components of Net Periodic Pension Income and Other Amounts Recognized in Other Comprehensive Income (Loss): For the years ended December 31, (dollars in thousands) 2021 2020 2019 Service cost $ - 37 42 Interest cost 856 1,076 1,244 Expected return on plan assets (2,846 ) (3,020 ) (2,811 ) Amortization of net loss - - 59 Net periodic pension credit (1,990 ) (1,907 ) (1,466 ) Amortization of net loss - - (59 ) Net actuarial (gain) loss included in other comprehensive income (loss) (7,439 ) (386 ) (3,275 ) Total recognized in other comprehensive income (loss) (7,439 ) (386 ) (3,334 ) Total recognized in net periodic benefit (credit) cost and other comprehensive income (loss) $ (9,429 ) (2,293 ) (4,800 )
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 2022 $ 1,743 2023 1,739 2024 1,753 2025 1,763 2026 1,780 2027 - 2031 8,984
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: 2021 2020 2019 Discount rate 2.96 % 2.65 3.56 The assumptions used to determine net periodic pension expense (benefit) for the years ended December 31 are as follows: 2021 2020 2019 Discount rate 2.65 % 3.56 4.53 Expected long-term rate of return on assets, net of tax 4.00 4.50 4.50
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, 2021 2020 Accumulated benefit obligation at beginning of year $ 6,609 6,134 Service cost 75 73 Interest cost 190 203 Prior Service cost 611 - Benefits paid (80 ) (116 ) Net actuarial (gain) loss (389 ) 315 Accumulated benefit obligation at end of year $ 7,016 6,609
Change in Plan Assets and Reconciliation of Funded Status	Change in Plan Assets and Reconciliation of Funded Status: (dollars in thousands) December 31, 2021 2020 Fair value of plan assets at beginning of year $ 29,126 26,358 Actual gain on plan assets 4,243 2,793 Company contributions 55 91 Benefits paid and actual expenses (80 ) (116 ) Fair value of plan assets at end of year 33,344 29,126 Funded status at end of year $ 26,328 22,517
Amounts Recognized in Accumulated Other Comprehensive Income (Loss)	Amounts recognized in accumulated other comprehensive income consist of the following as of: (dollars in thousands) December 31, 2021 2020 Net actuarial gain $ (10,165 ) (7,370 ) Prior service credit (232 ) (438 ) Total $ (10,397 ) (7,808 )
Components of Net Periodic Pension Income and Other Amounts Recognized in Other Comprehensive Income (Loss)	Components of Net Periodic Benefit Income and Other Amounts Recognized in Other Comprehensive Income (Loss): (dollars in thousands) December 31, 2021 2020 2019 Service cost $ 75 73 65 Interest cost 190 203 239 Expected return on plan assets (1,163 ) (1,183 ) (990 ) Amortization of net actuarial gain (674 ) (708 ) (333 ) Amortization of prior service cost (credit) 405 (196 ) (197 ) Net periodic benefit credit (1,167 ) (1,811 ) (1,216 ) Net (gain) loss (3,469 ) (1,295 ) (2,692 ) Amortization of prior service (cost) credit (405 ) 196 197 Prior service cost 611 - - Amortization of net gain 674 708 333 Total amount recognized in other comprehensive loss (2,589 ) (391 ) (2,162 ) Total amount recognized in net periodic benefit cost and other comprehensive loss $ (3,756 ) (2,202 ) (3,378 )
Estimated Future Benefit Payments	Expected Future Benefit Payments The following benefit payments are expected to be paid: (dollars in thousands) Year Postretirement Benefits 2022 $ 114 2023 130 2024 148 2025 172 2026 199 2027 - 2031 1,412
Assumptions used to Determine Benefit Obligation and Net Periodic Expense	The assumptions used to determine benefit obligations at December 31 are as follows: 2021 2020 2019 Discount rate 2.96 % 2.65 3.56 The assumptions used to determine net periodic pension expense (benefit) for the years ended December 31 are as follows: 2021 2020 2019 Discount rate 2.65 % 3.56 4.53 Expected long-term rate of return on assets 5.25 6.00 6.50

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2021
Earnings Per Share [Abstract]
Reconciliation of the Component Parts of Earnings per Share	A reconciliation of the component parts of earnings per share for 2021, 2020 and 2019 follows: (dollars in thousands, except per share data) For the years ended December 31 2021 2020 2019 Net income $ 61,519 52,452 57,840 Weighted average common shares (1) 19,259 19,301 19,370 Effect of dilutive common stock options (1) 4 2 16 Weighted average common shares including potential dilutive shares (1) 19,263 19,303 19,386 Basic EPS (1) $ 3.194 2.718 2.986 Diluted EPS (1) $ 3.194 2.717 2.984 (1) Share and per share amounts have been adjusted for all periods presented for the 1 for 5

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 Using: (dollars in s) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Securities available for sale: U.S. government sponsored enterprises $ 59,179 $ - $ 59,179 $ - State and political subdivisions 41 - 41 - Mortgage backed securities and collateralized mortgage obligations - residential 270,798 - 270,798 - Corporate bonds 45,337 - 45,337 - Small Business Administration - guaranteed participation securities 31,674 - 31,674 - Other 684 - 684 - Total securities available for sale $ 407,713 $ - $ 407,713 $ - Fair Value Measurements at December 31, 2020 Using: (dollars in s) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Securities available for sale: U.S. government sponsored enterprises $ 19,968 $ - $ 19,968 $ - State and political subdivisions 103 - 103 - Mortgage backed securities and collateralized mortgage obligations - residential 316,158 - 316,158 - Corporate bonds 59,939 - 59,939 - Small Business Administration - guaranteed participation securities 42,217 - 42,217 - Other 686 - 686 - Total securities available for sale $ 439,071 $ - $ 439,071 $ -
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, 2021 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 $ 362 $ - $ - $ 362 Sales comparison approach Adjustments for differences between comparable sales 1% - 14% (6 %) Impaired loans: Real estate mortgage - 1 to 4 family - - - - Sales comparison approach Adjustments for differences between comparable sales N/A Fair Value Measurements at December 31, 2020 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 $ 541 $ - $ - $ 541 Sales comparison approach Adjustments for differences between comparable sales 1% - 7% (2 %) Impaired loans: Real estate mortgage - 1 to 4 family 211 - - 211 Sales comparison approach Adjustments for differences between comparable sales 11% - 12% (12 %)
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, 2021 and 2020 are as follows: (dollars in thousands) Carrying Fair Value Measurements at December 31, 2021 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 1,219,470 1,219,470 - - 1,219,470 Securities available for sale 407,713 - 407,713 - 407,713 Held to maturity securities 9,923 - 10,695 - 10,695 Federal Reserve Bank and Federal Home Loan Bank stock 5,604 N/A N/A N/A N/A Net loans 4,394,512 - - 4,451,031 4,451,031 Accrued interest receivable 9,099 10 1,235 7,854 9,099 Financial liabilities: Demand deposits 794,878 794,878 - - 794,878 Interest bearing deposits 4,473,251 3,477,937 993,676 - 4,471,613 Short-term borrowings 244,686 - 244,686 - 244,686 Accrued interest payable 163 34 129 - 163 (dollars in thousands) Carrying Fair Value Measurements at December 31, 2020 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 1,107,099 1,107,099 - - 1,107,099 Securities available for sale 439,071 - 439,071 - 439,071 Held to maturity securities 13,824 - 14,988 - 14,988 Federal Reserve Bank and Federal Home Loan Bank stock 5,506 N/A N/A N/A N/A Net loans 4,194,875 - - 4,287,585 4,287,585 Accrued interest receivable 10,031 39 1,458 8,534 10,031 Financial liabilities: Demand deposits 652,756 652,756 - - 652,756 Interest bearing deposits 4,384,437 3,088,064 1,298,375 - 4,386,439 Short-term borrowings 214,755 - 214,755 - 214,755 Accrued interest payable 474 68 406 - 474

Regulatory Capital Requiremen_2

Regulatory Capital Requirements (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020, for Trustco Bank: As of December 31, 2021 Well Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio $ 570,594 9.324 % 5.000 % 4.000 % Common equity Tier 1 capital 570,594 18.954 6.500 7.000 Tier 1 risk-based capital 570,594 18.954 8.000 8.500 Total risk-based capital 608,308 20.206 10.000 10.500 As of December 31, 2020 Well Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio $ 539,897 9.378 % 5.000 % 4.000 % Common equity Tier 1 capital 539,897 18.646 6.500 7.000 Tier 1 risk-based capital 539,897 18.646 8.000 8.500 Total risk-based capital 576,257 19.902 10.000 10.500 The following is a summary of actual capital amounts and ratios as of December 31, 2021 and 2020 for TrustCo on a consolidated basis. As of December 31, 2021 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio $ 588,427 9.614 % 4.000 % Common equity Tier 1 capital 588,427 19.541 7.000 Tier 1 risk-based capital 588,427 19.541 8.500 Total risk-based capital 626,150 20.794 10.500 As of December 31, 2020 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio $ 555,672 9.650 % 4.000 % Common equity Tier 1 capital 555,672 19.187 7.000 Tier 1 risk-based capital 555,672 19.187 8.500 Total risk-based capital 592,040 20.443 10.500 (1) Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized (2) The December 31, 2021 and 2020 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent.

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Tables)	12 Months Ended
	Dec. 31, 2021
Accumulated Other Comprehensive Income [Abstract]
Accumulated Other Comprehensive Income (Loss) Balances, Net of Tax	The following is a summary of the accumulated other comprehensive income (loss) balances, net of tax: December 31, 2021 (dollars in thousands) Balance at 12/31/2020 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- year ended 12/31/2021 Balance at 12/31/2021 Net unrealized holding gain (loss) on securities available for sale, net of tax $ 7,186 (7,212 ) - (7,212 ) (26 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 6,084 7,622 - 7,622 13,706 Net change in net actuarial gain and prior service credit on pension and pension and postretirement benefit plans, net of tax (1,334 ) (199 ) (199 ) (1,533 ) Accumulated other comprehensive income (loss), net of tax 11,936 410 (199 ) 211 12,147 December 31, 2020 (dollars in thousands) Balance at 12/31/2019 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- year ended 12/31/2020 Balance at 12/31/2020 Net unrealized holding gain on securities available for sale, net of tax $ 286 7,755 (855 ) 6,900 7,186 Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 4,840 1,244 - 1,244 6,084 Net change in net actuarial gain and prior service credit on pension and pension and postretirement benefit plans, net of tax (665 ) - (669 ) (669 ) (1,334 ) Accumulated other comprehensive (loss) income, net of tax 4,461 8,999 (1,524 ) 7,475 11,936 December 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) gain 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 gain and prior service credit on pension and pension and postretirement benefit plans, net of tax (316 ) - (349 ) (349 ) (665 ) Accumulated other comprehensive (loss) income, net of tax (10,309 ) 15,119 (349 ) 14,770 4,461
Reclassifications out of Accumulated Other Comprehensive Income (Loss)	The following represents the reclassifications out of accumulated other comprehensive income (loss) for the years ended December 31, 2021, 2020 and 2019: (dollars in thousands) Years ended December 31, 2021 2020 2019 Affected Line Item in Financial Statements Unrealized gains on securities available for sale: Realized gain on securities transactions $ - 1,155 - Net gain on securities transactions Income tax expense - (300 ) - Income taxes Net of tax - 855 - Amortization of pension and postretirement benefit items: Prior Service Cost Amortization of net actuarial gain 674 708 274 Salaries and employee benefits Amortization of prior service (cost) credit (405 ) 196 197 Salaries and employee benefits Income tax benefit (70 ) (235 ) (122 ) Income taxes Net of tax 199 669 349 Total reclassifications, net of tax $ 199 1,524 349

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	12 Months Ended
	Dec. 31, 2021
Revenue from Contracts with Customers [Abstract]
Source of Non-Interest Income	The following table presents the Company’s sources of Non-Interest Income for the years ended December 31, 2021 2020 and 2019. Items outside the scope of ASC 606 are noted as such. (dollars in thousands) December 31, 2021 2020 2019 Non-interest income Service Charges on Deposits Overdraft fees $ 2,660 2,665 3,571 Other 1,940 1,629 459 Interchange Income 5,281 4,199 4,065 Net gain on securities transactions (a) – 1,155 – Wealth management fees 7,358 6,279 6,387 Other (a) 698 1,243 4,109 Total non-interest income $ 17,937 17,170 18,591 (a) Not within the scope of ASC 606

Operating leases (Tables)

Operating leases (Tables)	12 Months Ended
	Dec. 31, 2021
Operating leases [Abstract]
Other Information Related to Leases	Other information related to leases was as follows: (dollars in thousands) 2021 2020 2019 Operating lease cost $ 8,128 8,044 7,808 Variable lease cost 2,015 2,029 1,968 Total Lease costs $ 10,143 10,073 9,776
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 $ 8,192 8,042 7,839 Right-of-use assets obtained in exchange for lease obligations: $ 6,588 2,548 57,464 Weighted average remaining lease term (years) 9.3 9.0 9.4 Weighted average discount rate 3.0 % 3.2 % 3.3 %
Future Minimum Lease Payments	Future minimum lease payments under non-cancellable leases as of December 31, 2021 were as follows: (dollars in thousands) Year ending December 31, 2022 $ 8,125 2023 7,912 2024 7,789 2025 7,416 2026 6,443 Thereafter 22,868 Total lease payments $ 60,553 Less: Interest 7,833 Present value of lease liabilities $ 52,720

Parent Company Only (Tables)

Parent Company Only (Tables)	12 Months Ended
	Dec. 31, 2021
Parent Company Only [Abstract]
Statements of Comprehensive Income	Statements of Comprensive Income (dollars in thousands) Years ended December 31, 2021 2020 2019 Income: Dividends and interest from subsidiaries $ 34,096 31,100 28,340 Net gain on securities transactions – – – Miscellaneous income – – – Total income 34,096 31,100 28,340 Expense: Operating supplies 21 20 82 Professional services 819 655 651 Miscellaneous expense 3,419 1,666 2,811 Total expense 4,259 2,341 3,544 Income before income taxes and subsidiaries’ undistributed earnings 29,837 28,759 24,796 Income tax benefit (972 ) (558 ) (837 ) Income before subsidiaries’ undistributed earnings 30,809 29,317 25,633 Equity in undistributed earnings of subsidiaries 30,710 23,135 32,207 Net income $ 61,519 52,452 57,840 Change in other comprehensive income 211 7,475 14,770 Comprehensive income $ 61,730 59,927 72,610
Statements of Condition	Statement of Condition (dollars in thousands) December 31, 2021 2020 Assets: Cash in subsidiary bank $ 26,725 24,154 Investments in subsidiaries 583,307 552,399 Securities available for sale 36 36 Other assets 681 555 Total assets 610,749 577,144 Liabilities and shareholders’ equity: Accrued expenses and other liabilities 9,621 8,983 Total liabilities 9,621 8,983 Shareholders’ equity 601,128 568,161 Total liabilities and shareholders’ equity $ 610,749 577,144
Statements of Cash Flows	Statements of Cash Flows (dollars in thousands) Years ended December 31, 2021 2020 2019 Increase/(decrease) in cash and cash equivalents: Cash flows from operating activities: Net income $ 61,519 52,452 57,840 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of subsidiaries (30,710 ) (23,135 ) (32,207 ) Stock based compensation expense – 15 5 Net change in other assets and accrued expenses 354 515 246 Total adjustments (30,356 ) (22,605 ) (31,956 ) Net cash provided by operating activities 31,163 29,847 25,884 Cash flows from investing activities: Purchases of securities available for sale – (1 ) – Net cash used in investing activities – (1 ) – Cash flows from financing activities: Cash used to settle fractional shares in the Reverse Stock Split (200 ) – – Proceeds from exercise of stock options 260 – 185 Dividends paid (26,266 ) (26,317 ) (26,372 ) Payments to acquire treasury stock (2,386 ) (3,493 ) (35 ) Proceeds from sales of treasury stock – – 1,791 Net cash used in financing activities (28,592 ) (29,810 ) (24,431 ) Net increase in cash and cash equivalents 2,571 36 1,453 Cash and cash equivalents at beginning of year 24,154 24,118 22,665 Cash and cash equivalents at end of year $ 26,725 24,154 24,118

Basis of Presentation, Reverse

Basis of Presentation, Reverse Stock Split (Details)	May 28, 2021$ / shares	Dec. 31, 2021$ / shares	Dec. 31, 2020$ / shares
Reverse Stock Split [Abstract]
Reverse stock split ratio	0.2
Common stock, par value (in dollars per share)	$ 1	$ 1	$ 1

Basis of Presentation, Risks an

Basis of Presentation, Risks and Uncertainties (Details)	Mar. 16, 2020	Mar. 03, 2020
Risks and Uncertainties [Abstract]
Reduction in overnight federal funds rate	1.00%	0.50%

Basis of Presentation, Loans (D

Basis of Presentation, Loans (Details)	12 Months Ended
	Dec. 31, 2021
Loans [Abstract]
Non-payment period of loans moved to non-accrual status	90 days

Basis of Presentation, Allowanc

Basis of Presentation, Allowance for Loan Losses (Details)	12 Months Ended
	Dec. 31, 2021Payment
Allowance for Loan Losses [Abstract]
Number of past due payments on loans classified as nonperforming	3
Loan-to-value ratio applicable to additional allowance	90.00%

Basis of Presentation, Bank Pre

Basis of Presentation, Bank Premises and Equipment (Details)	12 Months Ended
	Dec. 31, 2021
Buildings [Member] | Minimum [Member]
Property, Plant and Equipment [Abstract]
Premises and equipment, useful life	20 years
Buildings [Member] | Maximum [Member]
Property, Plant and Equipment [Abstract]
Premises and equipment, useful life	40 years
Furniture and Equipment [Member] | Minimum [Member]
Property, Plant and Equipment [Abstract]
Premises and equipment, useful life	3 years
Furniture and Equipment [Member] | Maximum [Member]
Property, Plant and Equipment [Abstract]
Premises and equipment, useful life	7 years

Basis of Presentation, Other Re

Basis of Presentation, Other Real Estate Owned (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Other Real Estate Owned [Abstract]
Other real estate owned	$ 362	$ 541

Basis of Presentation, Dividend

Basis of Presentation, Dividend Restrictions (Details) $ in Millions	Dec. 31, 2021USD ($)
Dividend Restrictions [Abstract]
Statutory amount available for dividend payments with regulatory approval	$ 86.1

Basis of Presentation, Benefit

Basis of Presentation, Benefit Plans (Details)	12 Months Ended
	Dec. 31, 2021
Benefit Plans [Abstract]
Age at which company provides access to Medicare Supplemental program for retirees	65 years

Basis of Presentation, Segment

Basis of Presentation, Segment Reporting (Details)	12 Months Ended
	Dec. 31, 2021Segment
Segment Reporting [Abstract]
Number of reportable segment	1

Balances at Other Banks (Detail

Balances at Other Banks (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Balances at Other Banks [Abstract]
Balances at other banks	$ 69.6	$ 61.5

Investment Securities, Availabl

Investment Securities, Available-for-sale Securities, Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	$ 407,717	$ 429,360
Gross Unrealized Gains	3,895	9,928
Gross Unrealized Losses	3,899	217
Fair Value	407,713	439,071
U. S. Government Sponsored Enterprises [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	59,976	20,000
Gross Unrealized Gains	0	0
Gross Unrealized Losses	797	32
Fair Value	59,179	19,968
State and Political Subdivisions [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	41	103
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Fair Value	41	103
Mortgage-Backed Securities and Collateralized Mortgage Obligations-Residential [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	269,907	308,432
Gross Unrealized Gains	3,367	7,749
Gross Unrealized Losses	2,476	23
Fair Value	270,798	316,158
Corporate Bonds [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	45,805	59,185
Gross Unrealized Gains	157	916
Gross Unrealized Losses	625	162
Fair Value	45,337	59,939
Small Business Administration-Guaranteed Participation Securities [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	31,303	40,955
Gross Unrealized Gains	371	1,262
Gross Unrealized Losses	0	0
Fair Value	31,674	42,217
Other [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	685	685
Gross Unrealized Gains	0	1
Gross Unrealized Losses	1	0
Fair Value	$ 684	$ 686

Investment Securities, Availa_2

Investment Securities, Available-for-sale Securities, Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Amortized Cost [Abstract]
Due in one year or less	$ 15,057
Due in one year through five years	91,450
Amortized Cost	407,717	$ 429,360
Fair Value [Abstract]
Due in one year or less	15,215
Due in one year through five years	90,026
Total securities available for sale	407,713	439,071
Mortgage-Backed Securities and Collateralized Mortgage Obligations-Residential [Member]
Amortized Cost [Abstract]
Securities, amortized cost	269,907
Amortized Cost	269,907	308,432
Fair Value [Abstract]
Securities, fair value	270,798
Total securities available for sale	270,798	316,158
Small Business Administration-Guaranteed Participation Securities [Member]
Amortized Cost [Abstract]
Securities, amortized cost	31,303
Amortized Cost	31,303	40,955
Fair Value [Abstract]
Securities, fair value	31,674
Total securities available for sale	$ 31,674	$ 42,217

Investment Securities, Availa_3

Investment Securities, Available-for-sale Securities, Gross Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	$ 159,044	$ 54,340
12 months or more - Fair Value	46,544	4,937
Total - Fair Value	205,588	59,277
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	2,757	154
12 months or more - Gross Unrealized Loss	1,142	63
Total - Gross Unrealized Loss	3,899	217
U. S. Government Sponsored Enterprises [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	49,279	19,968
12 months or more - Fair Value	9,900	0
Total - Fair Value	59,179	19,968
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	697	32
12 months or more - Gross Unrealized Loss	100	0
Total - Gross Unrealized Loss	797	32
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	93,447	19,471
12 months or more - Fair Value	22,098	0
Total - Fair Value	115,545	19,471
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	1,888	23
12 months or more - Gross Unrealized Loss	588	0
Total - Gross Unrealized Loss	2,476	23
Corporate Bonds [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	15,670	14,901
12 months or more - Fair Value	14,546	4,937
Total - Fair Value	30,216	19,838
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	171	99
12 months or more - Gross Unrealized Loss	454	63
Total - Gross Unrealized Loss	625	$ 162
Other [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	648
12 months or more - Fair Value	0
Total - Fair Value	648
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	1
12 months or more - Gross Unrealized Loss	0
Total - Gross Unrealized Loss	$ 1

Investment Securities, Availa_4

Investment Securities, Available-for-sale Securities, Transaction Information (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Proceeds from sales, calls/paydowns and maturities of securities available for sale, gross realized gains and gross realized losses [Abstract]
Proceeds from sales		$ 0	$ 29,219	$ 0
Proceeds from calls/paydowns		148,609	247,624	192,003
Proceeds from maturities		9,162	10,007	10,052
Gross realized gains	[1]	0	1,155	0
Gross realized losses		0	0	$ 0
Securities available for sale pledged to secure short-term borrowings and for other purposes		$ 283,200	$ 267,600
[1]	Not within the scope of ASC 606.

Investment Securities, Held-to-

Investment Securities, Held-to-maturity Securities, Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	$ 9,923	$ 13,824
Gross Unrecognized Gains	773	1,164
Gross Unrecognized Losses	1	0
Fair Value	10,695	14,988
Mortgage-Backed Securities and Collateralized Mortgage Obligations-Residential [Member]
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	9,923	13,824
Gross Unrecognized Gains	773	1,164
Gross Unrecognized Losses	1	0
Fair Value	$ 10,695	$ 14,988

Investment Securities, Held-t_2

Investment Securities, Held-to-maturity Securities, Maturity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Amortized Cost [Abstract]
Amortized Cost	$ 9,923	$ 13,824
Fair Value [Abstract]
Fair Value	10,695	14,988
Held-to-maturity, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months - Fair value	442	0
Less than 12 months - Gross Unrecognized Loss	1	0
Sales and transfers of held to maturity securities	0	0
Mortgage-Backed Securities and Collateralized Mortgage Obligations-Residential [Member]
Amortized Cost [Abstract]
Securities, amortized cost	9,923
Amortized Cost	9,923	13,824
Fair Value [Abstract]
Securities, fair value	10,695
Fair Value	$ 10,695	$ 14,988

Investment Securities, Concentr

Investment Securities, Concentrations (Details) - Stockholders' Equity [Member] $ in Thousands	Dec. 31, 2021USD ($)
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	$ 179,997
Fair value	180,857
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	70,829
Fair value	$ 71,027

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, 2021	Dec. 31, 2020	Dec. 31, 2019
Loans and Leases Receivable [Abstract]
Total loans, net		$ 4,438,779	$ 4,244,470
Less: Allowance for loan losses		44,267	49,595	$ 44,317
Net loans		4,394,512	4,194,875
Due from officers		17,900	16,300
New loans		8,600
Repayments of loans		7,000
Changes in outstanding loans		0
New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1]	3,132,378	3,061,352
Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		1,306,401	1,183,118
Real Estate Construction Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		37,300	24,700
Residential Borrowers [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		17,900	10,500
Commercial Borrowers Residential Purpose [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		19,400	14,200
PPP Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		10,000	29,000
Commercial [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		200,200	212,492
Less: Allowance for loan losses		3,135	4,140	3,999
Commercial [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1]	177,952	193,707
Commercial [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		22,248	18,785
Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		168,716	167,441
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1]	147,063	148,775
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		21,653	18,666
Commercial [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		31,484	45,051
Commercial [Member] | Other [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1]	30,889	44,932
Commercial [Member] | Other [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		595	119
Commercial [Member] | PPP Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		10,000	29,000
Real Estate Mortgage - 1 to 4 Family [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		4,229,163	4,022,361
Less: Allowance for loan losses		40,689	44,950	39,748
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		3,936,302	3,705,696
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]	2,723,734	2,606,781
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		1,212,568	1,098,915
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		61,885	74,471
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]	48,190	59,400
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		13,695	15,071
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		230,976	242,194
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]	175,134	193,654
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		55,842	48,540
Installment [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		9,416	9,617
Less: Allowance for loan losses		443	505	$ 570
Installment [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1]	7,368	7,810
Installment [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		$ 2,048	$ 1,807
[1]	Includes New York, New Jersey, Vermont 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, 2021	Dec. 31, 2020
Non accrual loans by loan class [Abstract]
Total non-accrual loans		$ 18,739	$ 21,061
Restructured real estate mortgages - 1 to 4 family		17	23
Total nonperforming loans		18,756	21,084
Other real estate owned		362	541
New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	16,709	19,874
Restructured real estate mortgages - 1 to 4 family	[1]	17	23
Total nonperforming loans	[1]	16,726	19,897
Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		2,030	1,187
Restructured real estate mortgages - 1 to 4 family		0	0
Total nonperforming loans		2,030	1,187
Residential Real Estate [Member]
Non accrual loans by loan class [Abstract]
Non accrual residential mortgage loans in the process of foreclosure		9,700	11,600
Commercial [Member] | Commercial Real Estate [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		67	372
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	67	372
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		45	80
Commercial [Member] | Other [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	45	80
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		15,787	17,647
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]	13,990	16,637
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		1,797	1,010
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		292	127
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]	247	80
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		45	47
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		2,511	2,792
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]	2,337	2,662
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		174	130
Installment [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		37	43
Installment [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	23	43
Installment [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		$ 14	$ 0
[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, 2021	Dec. 31, 2020
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		$ 4,438,779	$ 4,244,470
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]
Recorded Past Due loans	[1]	$ 3,132,378	$ 3,061,352
Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		1,306,401	1,183,118
Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		16,159	17,524
Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	13,807	15,923
Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		2,352	1,601
30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		2,708	2,241
30 to 59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	1,821	1,869
30 to 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		887	372
60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		1,249	1,931
60 to 89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	935	1,404
60 to 89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		314	527
90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		12,202	13,352
90+ Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	11,051	12,650
90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		1,151	702
Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		4,422,620	4,226,946
Current [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	3,118,571	3,045,429
Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		1,304,049	1,181,517
Commercial [Member] | Commercial Real Estate [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		168,716	167,441
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	147,063	147,063
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		21,653	18,666
Commercial [Member] | Commercial Real Estate [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		278	481
Commercial [Member] | Commercial Real Estate [Member] | Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	278	481
Commercial [Member] | Commercial Real Estate [Member] | Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		0	0
Commercial [Member] | Commercial Real Estate [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		0	125
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]
Recorded Past Due loans	[1]	0	125
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]
Recorded Past Due loans		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]
Recorded Past Due loans		233	77
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]
Recorded Past Due loans	[1]	233	77
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]
Recorded Past Due loans		0	0
Commercial [Member] | Commercial Real Estate [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		45	279
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]
Recorded Past Due loans	[1]	45	279
Commercial [Member] | Commercial Real Estate [Member] | 90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		0	0
Commercial [Member] | Commercial Real Estate [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		168,438	166,960
Commercial [Member] | Commercial Real Estate [Member] | Current [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	146,785	146,582
Commercial [Member] | Commercial Real Estate [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		21,653	18,666
Commercial [Member] | Other [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		31,484	45,051
Commercial [Member] | Other [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	30,889	44,932
Commercial [Member] | Other [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		595	119
Commercial [Member] | Other [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		0	80
Commercial [Member] | Other [Member] | Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	0	80
Commercial [Member] | Other [Member] | Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		0	0
Commercial [Member] | Other [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		0	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]
Recorded Past Due loans	[1]	0	0
Commercial [Member] | Other [Member] | 30 to 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		0	0
Commercial [Member] | Other [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		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]
Recorded Past Due loans	[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]
Recorded Past Due loans		0	0
Commercial [Member] | Other [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		0	80
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]
Recorded Past Due loans	[1]	0	80
Commercial [Member] | Other [Member] | 90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		0	0
Commercial [Member] | Other [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		31,484	44,971
Commercial [Member] | Other [Member] | Current [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	30,889	44,852
Commercial [Member] | Other [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		595	119
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		3,936,302	3,705,696
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]
Recorded Past Due loans	[1]	2,723,734	2,606,781
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		1,212,568	1,098,915
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		13,604	14,666
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	11,409	13,129
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		2,195	1,537
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]
Recorded Past Due loans		2,172	1,585
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]
Recorded Past Due loans	[1]	1,303	1,220
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]
Recorded Past Due loans		869	365
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]
Recorded Past Due loans		419	1,499
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]
Recorded Past Due loans	[1]	239	982
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]
Recorded Past Due loans		180	517
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]
Recorded Past Due loans		11,013	11,582
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]
Recorded Past Due loans	[1]	9,867	10,927
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]
Recorded Past Due loans		1,146	655
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		3,922,698	3,691,030
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Current [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	2,712,325	2,593,652
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		1,210,373	1,097,378
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		61,885	74,471
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]
Recorded Past Due loans	[1]	48,190	59,400
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		13,695	15,071
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		405	216
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	360	169
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		45	47
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]
Recorded Past Due loans		136	120
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]
Recorded Past Due loans	[1]	136	120
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]
Recorded Past Due loans		0	0
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]
Recorded Past Due loans		45	1
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]
Recorded Past Due loans	[1]	0	1
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]
Recorded Past Due loans		45	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]
Recorded Past Due loans		224	95
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]
Recorded Past Due loans	[1]	224	48
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]
Recorded Past Due loans		0	47
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		61,480	74,255
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Current [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	47,830	59,231
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		13,650	15,024
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		230,976	242,194
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]
Recorded Past Due loans	[1]	175,134	193,654
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]
Recorded Past Due loans		55,842	48,540
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		1,813	2,018
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	1,724	2,018
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		89	0
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]
Recorded Past Due loans		355	401
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]
Recorded Past Due loans	[1]	355	401
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]
Recorded Past Due loans		0	0
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]
Recorded Past Due loans		547	344
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]
Recorded Past Due loans	[1]	458	344
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]
Recorded Past Due loans		89	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]
Recorded Past Due loans		911	1,273
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]
Recorded Past Due loans	[1]	911	1,273
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]
Recorded Past Due loans		0	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		229,163	240,176
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Current [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	173,410	191,636
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		55,753	48,540
Installment [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		9,416	9,617
Installment [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	7,368	7,810
Installment [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		2,048	1,807
Installment [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		59	63
Installment [Member] | Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	36	46
Installment [Member] | Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		23	17
Installment [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		45	10
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]
Recorded Past Due loans	[1]	27	3
Installment [Member] | 30 to 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		18	7
Installment [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		5	10
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]
Recorded Past Due loans	[1]	5	0
Installment [Member] | 60 to 89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		0	10
Installment [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		9	43
Installment [Member] | 90+ Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	4	43
Installment [Member] | 90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		5	0
Installment [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		9,357	9,554
Installment [Member] | Current [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	7,332	7,764
Installment [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		$ 2,025	$ 1,790
[1]	Includes New York, New Jersey, Vermont 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, 2021	Dec. 31, 2020	Dec. 31, 2019
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	$ 49,595	$ 44,317
Loans charged off [Abstract]
Total loan charge offs	430	661
Recoveries of loans previously charged off [Abstract]
Total recoveries	552	339
Net loans charged off	(122)	322
(Credit) Provision for loan losses	(5,450)	5,600	$ 159
Balance at end of period	44,267	49,595	44,317
New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	427	627
Recoveries of loans previously charged off [Abstract]
Total recoveries	550	336
Florida [Member]
Loans charged off [Abstract]
Total loan charge offs	3	34
Recoveries of loans previously charged off [Abstract]
Total recoveries	2	3
Commercial [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	4,140	3,999
Loans charged off [Abstract]
Total loan charge offs	30	36
Recoveries of loans previously charged off [Abstract]
Total recoveries	32	10
Net loans charged off	(2)	26
(Credit) Provision for loan losses	(1,007)	167
Balance at end of period	3,135	4,140	3,999
Commercial [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	30	36
Recoveries of loans previously charged off [Abstract]
Total recoveries	32	10
Commercial [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs	0	0
Recoveries of loans previously charged off [Abstract]
Total recoveries	0	0
Real Estate Mortgage - 1 to 4 Family [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	44,950	39,748
Loans charged off [Abstract]
Total loan charge offs	340	404
Recoveries of loans previously charged off [Abstract]
Total recoveries	466	317
Net loans charged off	(126)	87
(Credit) Provision for loan losses	(4,387)	5,289
Balance at end of period	40,689	44,950	39,748
Real Estate Mortgage - 1 to 4 Family [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	339	404
Recoveries of loans previously charged off [Abstract]
Total recoveries	464	314
Real Estate Mortgage - 1 to 4 Family [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs	1	0
Recoveries of loans previously charged off [Abstract]
Total recoveries	2	3
Installment [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	505	570
Loans charged off [Abstract]
Total loan charge offs	60	221
Recoveries of loans previously charged off [Abstract]
Total recoveries	54	12
Net loans charged off	6	209
(Credit) Provision for loan losses	(56)	144
Balance at end of period	443	505	$ 570
Installment [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	58	187
Recoveries of loans previously charged off [Abstract]
Total recoveries	54	12
Installment [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs	2	34
Recoveries of loans previously charged off [Abstract]
Total recoveries	$ 0	$ 0

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses, Based on Impairment Review Method (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	$ 0	$ 0
Collectively evaluated for impairment	44,267	49,595
Total ending allowance balance	44,267	49,595	$ 44,317
Loans [Abstract]
Individually evaluated for impairment	18,504	21,581
Collectively evaluated for impairment	4,420,275	4,222,889
Total loans	4,438,779	4,244,470
Commercial [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	3,135	4,140
Total ending allowance balance	3,135	4,140	3,999
Loans [Abstract]
Individually evaluated for impairment	232	1,028
Collectively evaluated for impairment	199,968	211,464
Total loans	200,200	212,492
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	40,689	44,950
Total ending allowance balance	40,689	44,950	39,748
Loans [Abstract]
Individually evaluated for impairment	18,272	20,553
Collectively evaluated for impairment	4,210,891	4,001,808
Total loans	4,229,163	4,022,361
Installment [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	443	505
Total ending allowance balance	443	505	$ 570
Loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	9,416	9,617
Total loans	$ 9,416	$ 9,617

Loans and Allowance for Loan _8

Loans and Allowance for Loan Losses, Impaired Receivables (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020
Impaired loans by loans class [Abstract]
Recorded Investment		$ 18,504	$ 21,581
Unpaid Principal Balance		18,871	22,253
Related Allowance		0	0
Average Recorded Investment		20,753	20,814
New York and Other States [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	[1]	15,932	18,331
Unpaid Principal Balance	[1]	16,299	19,003
Related Allowance	[1]	0	0
Average Recorded Investment	[1]	17,824	17,892
Florida [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		2,572	3,250
Unpaid Principal Balance		2,572	3,250
Related Allowance		0	0
Average Recorded Investment		2,929	2,922
Commercial [Member] | Commercial Real Estate [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		187	917
Unpaid Principal Balance		279	1,041
Related Allowance		0	0
Average Recorded Investment		1,259	1,291
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	[1]	187	819
Unpaid Principal Balance	[1]	279	943
Related Allowance	[1]	0	0
Average Recorded Investment	[1]	1,154	1,186
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		0	98
Unpaid Principal Balance		0	98
Related Allowance		0	0
Average Recorded Investment		105	105
Commercial [Member] | Other [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		45	111
Unpaid Principal Balance		45	111
Related Allowance		0	0
Average Recorded Investment		107	103
Commercial [Member] | Other [Member] | New York and Other States [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	[1]	45	111
Unpaid Principal Balance	[1]	45	111
Related Allowance	[1]	0	0
Average Recorded Investment	[1]	107	103
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		0	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		16,055	17,932
Unpaid Principal Balance		16,243	18,319
Related Allowance		0	0
Average Recorded Investment		16,634	16,665
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]	13,687	15,024
Unpaid Principal Balance	[1]	13,875	15,411
Related Allowance	[1]	0	0
Average Recorded Investment	[1]	14,072	14,110
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		2,368	2,908
Unpaid Principal Balance		2,368	2,908
Related Allowance		0	0
Average Recorded Investment		2,562	2,555
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		161	219
Unpaid Principal Balance		161	240
Related Allowance		0	0
Average Recorded Investment		251	251
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]	161	219
Unpaid Principal Balance	[1]	161	240
Related Allowance	[1]	0	0
Average Recorded Investment	[1]	235	235
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [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		16	16
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		2,056	2,402
Unpaid Principal Balance		2,143	2,542
Related Allowance		0	0
Average Recorded Investment		2,502	2,504
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]	1,852	2,158
Unpaid Principal Balance	[1]	1,939	2,298
Related Allowance	[1]	0	0
Average Recorded Investment	[1]	2,256	2,258
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		204	244
Unpaid Principal Balance		204	244
Related Allowance		0	0
Average Recorded Investment		$ 246	$ 246
[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, 2021USD ($)Contract	Dec. 31, 2020USD ($)Contract	Dec. 31, 2019USD ($)Contract
Financing Receivable Modifications Information [Abstract]
TDR's classifications from previously performing loans		$ 10,700	$ 11,700
New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	[1]	9	16	21
Pre-Modification Outstanding Recorded Investment	[1]	$ 1,156	$ 2,597	$ 2,981
Post-Modification Outstanding Recorded Investment	[1]	$ 1,156	$ 2,597	$ 2,981
Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract		2	4	6
Pre-Modification Outstanding Recorded Investment		$ 127	$ 586	$ 632
Post-Modification Outstanding Recorded Investment		$ 127	$ 586	$ 632
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]	0	1	1
Pre-Modification Outstanding Recorded Investment	[1]	$ 0	$ 125	$ 125
Post-Modification Outstanding Recorded Investment	[1]	$ 0	$ 125	$ 125
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]	6	12	18
Pre-Modification Outstanding Recorded Investment	[1]	$ 1,114	$ 2,303	$ 2,621
Post-Modification Outstanding Recorded Investment	[1]	$ 1,114	$ 2,303	$ 2,621
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		1	4	6
Pre-Modification Outstanding Recorded Investment		$ 77	$ 586	$ 632
Post-Modification Outstanding Recorded Investment		$ 77	$ 586	$ 632
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]	1	0	0
Pre-Modification Outstanding Recorded Investment	[1]	$ 2	$ 0	$ 0
Post-Modification Outstanding Recorded Investment	[1]	$ 2	$ 0	$ 0
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	3	2
Pre-Modification Outstanding Recorded Investment	[1]	$ 40	$ 169	$ 235
Post-Modification Outstanding Recorded Investment	[1]	$ 40	$ 169	$ 235
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		1	0	0
Pre-Modification Outstanding Recorded Investment		$ 50	$ 0	$ 0
Post-Modification Outstanding Recorded Investment		$ 50	$ 0	$ 0
[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, 2021USD ($)Contract	Dec. 31, 2020USD ($)Contract	Dec. 31, 2019USD ($)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]	1	5	2
Recorded Investment	[1]	$ 56	$ 476	$ 418
Florida [Member]
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract		0	0	0
Recorded Investment		$ 0	$ 0	$ 0
Commercial [Member] | Payment Deferral [Member]
Loans modified for which there was payment default [Abstract]
Outstanding loans		0	0
Real Estate Mortgage - 1 to 4 Family [Member] | Payment Deferral [Member]
Loans modified for which there was payment default [Abstract]
Outstanding loans		$ 0	$ 2,000
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]	0	4	2
Recorded Investment	[1]	$ 0	$ 457	$ 418
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	1	0
Recorded Investment	[1]	$ 0	$ 19	$ 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]	1	0	0
Recorded Investment	[1]	$ 56	$ 0	$ 0
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
Installment [Member] | Payment Deferral [Member]
Loans modified for which there was payment default [Abstract]
Outstanding loans		$ 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) $ in Thousands		Dec. 31, 2021USD ($)Loan	Dec. 31, 2020USD ($)Loan
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		$ 4,438,779	$ 4,244,470
Impaired loans included in classified loans		226	796
New York and Other States [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net	[1]	3,132,378	3,061,352
Florida [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		1,306,401	1,183,118
PPP Loans [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		$ 10,000	$ 29,000
Number of loans granted | Loan		344	663
Amount of loans granted		$ 23,000	$ 46,000
Number of loans remain outstanding | Loan		190	514
Commercial [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		$ 200,200	$ 212,492
Commercial [Member] | New York and Other States [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net	[1]	177,952	193,707
Commercial [Member] | Florida [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		22,248	18,785
Commercial [Member] | Pass [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		197,934	208,474
Commercial [Member] | Pass [Member] | New York and Other States [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net	[1]	176,226	190,263
Commercial [Member] | Pass [Member] | Florida [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		21,708	18,211
Commercial [Member] | Classified [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		2,266	4,018
Commercial [Member] | Classified [Member] | New York and Other States [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net	[1]	1,726	3,444
Commercial [Member] | Classified [Member] | Florida [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		540	574
Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		168,716	167,441
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net	[1]	147,063	148,775
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		21,653	18,666
Commercial [Member] | Commercial Real Estate [Member] | Pass [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		166,613	163,833
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	[1]	145,500	145,741
Commercial [Member] | Commercial Real Estate [Member] | Pass [Member] | Florida [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		21,113	18,092
Commercial [Member] | Commercial Real Estate [Member] | Classified [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		2,103	3,608
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	[1]	1,563	3,034
Commercial [Member] | Commercial Real Estate [Member] | Classified [Member] | Florida [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		540	574
Commercial [Member] | Other [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		31,484	45,051
Commercial [Member] | Other [Member] | New York and Other States [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net	[1]	30,889	44,932
Commercial [Member] | Other [Member] | Florida [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		595	119
Commercial [Member] | Other [Member] | Pass [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		31,321	44,641
Commercial [Member] | Other [Member] | Pass [Member] | New York and Other States [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net	[1]	30,726	44,522
Commercial [Member] | Other [Member] | Pass [Member] | Florida [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		595	119
Commercial [Member] | Other [Member] | Classified [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		163	410
Commercial [Member] | Other [Member] | Classified [Member] | New York and Other States [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net	[1]	163	410
Commercial [Member] | Other [Member] | Classified [Member] | Florida [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		0	0
Commercial [Member] | PPP Loans [Member]
Loans and Leases Receivable, Gross, Carrying Amount [Abstract]
Total loans, net		$ 10,000	$ 29,000
[1]	Includes New York, New Jersey, Vermont and Massachusetts.

Bank Premises and Equipment (De

Bank Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Property Plant and Equipment Information [Abstract]
Total bank premises and equipment	$ 130,851	$ 128,505
Accumulated depreciation and amortization	(97,824)	(94,093)
Total	33,027	34,412
Depreciation and amortization expense	4,200	4,000	$ 4,000
Occupancy expense of the Bank's premises included rental expense	8,128	8,044	$ 7,808
Land [Member]
Property Plant and Equipment Information [Abstract]
Total bank premises and equipment	2,443	2,414
Buildings [Member]
Property Plant and Equipment Information [Abstract]
Total bank premises and equipment	36,327	36,077
Furniture, Fixtures and Equipment [Member]
Property Plant and Equipment Information [Abstract]
Total bank premises and equipment	58,163	56,317
Leasehold Improvements [Member]
Property Plant and Equipment Information [Abstract]
Total bank premises and equipment	$ 33,918	$ 33,697

Deposits (Details)

Deposits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Interest Expense, Deposits [Abstract]
Interest bearing checking accounts	$ 178	$ 148	$ 288
Savings accounts	624	716	1,338
Time deposits and money market accounts	5,863	22,834	33,227
Total	6,665	23,698	$ 34,853
Maturity of Time Deposits [Abstract]
Under 1 year	906,995
1 to 2 years	75,370
2 to 3 years	11,176
3 to 4 years	1,141
4 to 5 years	499
Over 5 years	133
Total time deposits	995,314	1,296,373
Amount included in time deposits with balance in excess of $250,000	$ 161,500	$ 235,800

Short-Term Borrowings (Details)

Short-Term Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Short-term Debt [Abstract]
Amount outstanding	$ 244,686	$ 214,755
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	244,686	214,755	$ 148,666
Maximum amount outstanding at any month end	244,686	213,043	169,214
Average amount outstanding	$ 232,815	$ 180,065	$ 159,220
Weighted average interest rate, For the year	0.39%	0.56%	0.92%
Weighted average interest rate, As of year end	0.37%	0.47%	0.90%

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Current tax expense [Abstract]
Federal	$ 17,657	$ 15,662	$ 15,171
State	3,195	2,399	2,359
Total current tax expense	20,852	18,061	17,530
Deferred tax (benefit) expense	(238)	(1,067)	1,139
Total income tax expense	20,614	16,994	18,669
Components of deferred tax assets and liabilities [Abstract]
Benefits and deferred remuneration	(7,335)	(6,178)
Difference in reporting the allowance for loan losses, net	12,369	12,820
Other income or expense not yet reported for tax purposes	1,907	534
Depreciable assets	(2,068)	(2,541)
Net deferred tax asset at end of year	4,873	4,635	3,568
Net deferred tax asset at beginning of year	4,635	3,568
Deferred tax (benefit) expense	(238)	(1,067)	$ 1,139
Deferred tax assets/(liabilities) , unrealized losses on available-for-sale securities	1	(2,500)
Deferred tax liabilities, unrecognized overfunded position in company's pension and postretirement benefit plans	$ 4,200	$ 1,600
Reconciliation from statutory federal income tax rate to effective tax rate [Abstract]
Statutory federal income tax rate	21.00%	21.00%	21.00%
Increase/(decrease) in taxes resulting from [Abstract]
State income tax, net of federal tax benefit	3.20%	2.40%	2.60%
Other items	0.90%	1.10%	0.80%
Effective income tax rate	25.10%	24.50%	24.40%
Federal [Member] | Minimum [Member]
Open Tax Years [Abstract]
Open tax year	2017
Federal [Member] | Maximum [Member]
Open Tax Years [Abstract]
Open tax year	2020
New York State [Member] | Minimum [Member]
Open Tax Years [Abstract]
Open tax year	2017
New York State [Member] | Maximum [Member]
Open Tax Years [Abstract]
Open tax year	2020

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, 2021USD ($)yrh	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Change in plan assets and reconciliation of funded status [Roll Forward]
Company contributions	$ 0	$ 0
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 | yr	5
Period preceding retirement considered in calculating benefits	10 years
Change in benefit obligation [Roll Forward]
Projected benefit obligation at beginning of year	$ 33,504	30,824
Service cost	0	37	$ 42
Interest cost	856	1,076	1,244
Benefit payments and expected expenses	(2,142)	(1,956)
Net actuarial (gain) loss	(1,313)	3,523
Projected benefit obligation at end of year	30,905	33,504	30,824
Change in plan assets and reconciliation of funded status [Roll Forward]
Fair Value of plan assets at beginning of year	56,237	51,264
Actual gain on plan assets	8,952	6,953
Benefit payments and actual expenses	(2,123)	(1,980)
Fair value of plan assets at end of year	63,066	56,237	51,264
Funded status at end of year	32,161	22,733
Postretirement Benefits [Member]
Change in benefit obligation [Roll Forward]
Service cost	75	73	65
Interest cost	190	203	239
Net actuarial (gain) loss	(389)	315
Change in plan assets and reconciliation of funded status [Roll Forward]
Fair Value of plan assets at beginning of year	29,126	26,358
Actual gain on plan assets	4,243	2,793
Company contributions	55	91
Benefits paid and actual expenses	(80)	(116)
Fair value of plan assets at end of year	33,344	29,126	$ 26,358
Funded status at end of year	$ 26,328	$ 22,517

Benefit Plans, Plan Disclosures

Benefit Plans, Plan Disclosures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Components of the net periodic pension income and other amounts recognized in other comprehensive income (Loss) [Abstract]
Amortization of prior service (cost) credit	$ (405)	$ 196	$ 197
Prior service cost	611
Retirement Plan [Member]
Amounts recognized in accumulated other comprehensive income (loss) [Abstract]
Net actuarial (gain) loss	(6,038)	1,401
Accumulated benefit obligation for pension benefits	30,900	33,500
Components of the net periodic pension income and other amounts recognized in other comprehensive income (Loss) [Abstract]
Service cost	0	37	42
Interest cost	856	1,076	1,244
Expected return on plan assets	(2,846)	(3,020)	(2,811)
Amortization of net loss (gain)	0	0	59
Net periodic pension credit	(1,990)	(1,907)	(1,466)
Net actuarial (gain) loss included in other comprehensive income (loss)	(7,439)	(386)	(3,275)
Amortization of prior service (cost) credit	0	0
Prior service cost	0
Amortization of net (loss)	0	0	(59)
Total amount recognized in other comprehensive loss	(7,439)	(386)	(3,334)
Total amount recognized in net periodic benefit cost and other comprehensive loss	(9,429)	(2,293)	(4,800)
Postretirement Benefits [Member]
Amounts recognized in accumulated other comprehensive income (loss) [Abstract]
Net actuarial (gain) loss	(10,165)	(7,370)
Prior service credit	(232)	(438)
Total	(10,397)	(7,808)
Accumulated benefit obligation for pension benefits	7,016	6,609	6,134
Components of the net periodic pension income and other amounts recognized in other comprehensive income (Loss) [Abstract]
Service cost	75	73	65
Interest cost	190	203	239
Expected return on plan assets	(1,163)	(1,183)	(990)
Amortization of net loss (gain)	(674)	(708)	(333)
Amortization of prior service cost (credit)	405	(196)	(197)
Net periodic pension credit	(1,167)	(1,811)	(1,216)
Net actuarial (gain) loss included in other comprehensive income (loss)	(3,469)	(1,295)	(2,692)
Amortization of prior service (cost) credit	(405)	196	197
Prior service cost	611	0	0
Amortization of net gain	674	708	333
Total amount recognized in other comprehensive loss	(2,589)	(391)	(2,162)
Total amount recognized in net periodic benefit cost and other comprehensive loss	(3,756)	$ (2,202)	$ (3,378)
Amounts of net gain that will be amortized from accumulated other comprehensive income (loss) in next fiscal year	1,100
Amount of prior service credit that will be amortized from accumulated other comprehensive income (loss) in next fiscal year	$ 313

Benefit Plans, Estimated Future

Benefit Plans, Estimated Future Benefit Payments, Assumptions and Change in Obligation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Change in benefit obligation [Rollforward]
Prior service cost	$ 611
Retirement Plan [Member]
Estimated future benefit payments [Abstract]
2022	1,743
2023	1,739
2024	1,753
2025	1,763
2026	1,780
2027 - 2031	$ 8,984
Assumptions used to determine benefit obligation [Abstract]
Discount rate	2.96%	2.65%	3.56%
Assumptions used to determine net periodic pension expense [Abstract]
Discount rate	2.65%	3.56%	4.53%
Expected long-term rate of return on assets, net of tax	5.25%	6.00%	6.50%
Change in benefit obligation [Rollforward]
Accumulated benefit obligation at beginning of year	$ 33,500
Service cost	0	$ 37	$ 42
Interest cost	856	1,076	$ 1,244
Prior service cost	0
Net actuarial (gain) loss	(1,313)	3,523
Accumulated benefit obligation at end of year	30,900	$ 33,500
Postretirement Benefits [Member]
Estimated future benefit payments [Abstract]
2022	114
2023	130
2024	148
2025	172
2026	199
2027 - 2031	$ 1,412
Assumptions used to determine benefit obligation [Abstract]
Discount rate	2.96%	2.65%	3.56%
Assumptions used to determine net periodic pension expense [Abstract]
Discount rate	2.65%	3.56%	4.53%
Expected long-term rate of return on assets, net of tax	4.00%	4.50%	4.50%
Change in benefit obligation [Rollforward]
Accumulated benefit obligation at beginning of year	$ 6,609	$ 6,134
Service cost	75	73	$ 65
Interest cost	190	203	239
Prior service cost	611	0	0
Benefits paid and actual expenses	(80)	(116)
Net actuarial (gain) loss	(389)	315
Accumulated benefit obligation at end of year	7,016	6,609	6,134
Supplementary Pension Plan [Member]
Pension and Other Postretirement Benefits Cost [Abstract]
Plan expense	2,700	2,200	$ 1,900
Assets Held-in-trust [Abstract]
Assets held in trust	2,300	2,300
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, 2021	Dec. 31, 2020	Dec. 31, 2019
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	$ (10,908)	$ (1,681)
Prior service cost	611
Amortization of net actuarial gain	674	708	$ 274
Amortization of prior service cost	(405)	196	197
Total	(10,028)	(777)
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	(7,439)	(386)
Prior service cost	0
Amortization of net actuarial gain	0	0
Amortization of prior service cost	0	0
Total	(7,439)	(386)
Postretirement Benefits [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	(3,469)	(1,295)
Prior service cost	611	0	0
Amortization of net actuarial gain	674	708
Amortization of prior service cost	(405)	196	$ 197
Total	$ (2,589)	$ (391)

Benefit Plans, Allocation of Pl

Benefit Plans, Allocation of Plan Assets (Details)	Dec. 31, 2021	Dec. 31, 2020
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%	23.00%
Retirement Plan [Member] | Equity Securities [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	62.00%	68.00%
Retirement Plan [Member] | Other [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	5.00%	9.00%
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	32.00%	24.00%
Postretirement Benefits [Member] | Equity Securities [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	63.00%	66.00%
Postretirement Benefits [Member] | Other [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	5.00%	10.00%
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	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Fair value of plan assets by asset category [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
Employer contribtutions to postretirement benefit plans	0	0
Expected future contribution	0
Retirement Plan [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	63,066	56,237	$ 51,264
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	42,993	43,827
Retirement Plan [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	20,073	12,410
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	63,066	56,237
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	3,075	4,809
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	3,075	4,809
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	39,249	38,352
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	39,249	38,352
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	17,032	4,983
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	17,032	4,983
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	3,041	7,427
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	3,041	7,427
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	669	666
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	669	666
Postretirement Benefits [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	33,344	29,126	$ 26,358
Employer contribtutions to postretirement benefit plans	55	91
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	22,605	22,191
Postretirement Benefits [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	10,739	6,935
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	33,344	29,126
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	1,600	2,887
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	1,600	2,887
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	21,005	19,304
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	21,005	19,304
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	8,712	3,607
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	8,712	3,607
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	2,027	3,328
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	$ 2,027	$ 3,328

Benefit Plans, Incentive and Bo

Benefit Plans, Incentive and Bonus Plans (Details) $ / shares in Units, shares in Thousands, $ in Millions	May 28, 2021	Dec. 31, 2021USD ($)$ / sharesshares	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Incentive and Bonus Plans [Abstract]
Number of awards (in shares) | shares		291
Weighted average strike price (in dollars per share) | $ / shares		$ 44.37
Reverse stock split ratio	0.2
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		1.3	1.2	1.2
Executive Incentive Plan [Member]
Incentive and Bonus Plans [Abstract]
Expense for officers and executive incentive plan		$ 3.2	$ 3.3	$ 2.9

Benefit Plans, Stock Based Comp

Benefit Plans, Stock Based Compensation Plans - Equity Awards (Details) $ / shares in Units, $ in Thousands	May 28, 2021	Dec. 31, 2021USD ($)$ / sharesshares	Dec. 31, 2020USD ($)$ / sharesshares	Dec. 31, 2019USD ($)shares	May 31, 2019shares
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Reverse stock split ratio	0.2
Summary of Changes in Stock Option Awards [Roll Forward]
Exercised options (in shares)		(9,923)
Additional Disclosures [Abstract]
Stock based compensation expense | $		$ 0	$ 15	$ 5
Stock Options [Member]
Summary of Changes in Stock Option Awards [Roll Forward]
Beginning balance (in shares)		103,824
New options awarded (in shares)		0
Expired options (in shares)		(3,590)
Options forfeited (in shares)		0
Exercised options (in shares)		(9,923)	0	(6,000)
Ending balance (in shares)		90,311	103,824
Stock Option Awards, Exercisable [Roll Forward]
Ending balance (in shares)		90,311
Weighted Average Exercise Price [Roll Forward]
Beginning balance (in dollars per share) | $ / shares		$ 33.35
New options awarded (in dollars per share) | $ / shares		0
Expired options (in dollars per share) | $ / shares		27.08
Options forfeited (in dollars per share) | $ / shares		0
Exercised options (in dollars per share) | $ / shares		26.23
Ending balance (in dollars per share) | $ / shares		$ 34.38	$ 33.35
Additional Disclosures [Abstract]
Weighted average remaining contractual life, options outstanding		2 years 9 months 21 days
Exercisable options, weighted average exercise price (in dollars per share) | $ / shares		$ 34.38
Weighted average remaining contractual life, exercisable outstanding		2 years 9 months 21 days
Intrinsic value of outstanding stock options | $		$ 43
Intrinsic value of vested stock options | $		43
Stock based compensation expense | $		$ 0
New options granted (in shares)		0	0	0
Restricted Common Shares [Member]
Additional Disclosures [Abstract]
Stock based compensation expense | $		$ 0	$ 15	$ 5
2010 Directors Stock Option Plan [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Shares available for grant (in shares)					400,000
2010 Directors Stock Option Plan [Member] | Stock Options [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Options maximum term		10 years
Award vesting period		5 years
2019 Equity Incentive Plan [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Shares available for grant (in shares)		147,000			400,000
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) $ in Thousands		May 28, 2021	Dec. 31, 2021USD ($)shares	Dec. 31, 2020USD ($)shares	Dec. 31, 2019USD ($)
Activity for Performance Based Awards [Roll Forward]
Reverse stock split ratio		0.2
Employee Service Share-based Compensation, Non-vested Awards, Total Compensation Cost Not yet Recognized [Abstract]
Stock based compensation expense | $			$ 0	$ 15	$ 5
Restricted Shares Units [Member]
Activity for Performance Based Awards [Roll Forward]
Balance, Beginning of period (in shares)	[1]		69,264
New awards granted (in shares)			46,940
Forfeited awards (in shares)			0
Awards settled (in shares)	[1]		(33,572)
Balance, End of period (in shares)	[1]		82,632	69,264
Employee Service Share-based Compensation, Non-vested Awards, Total Compensation Cost Not yet Recognized [Abstract]
Stock based compensation expense | $			$ 1,200	$ 715	743
Options maximum term			1 year
Unrecognized stock-based compensation expense | $			$ 2,900
Unrecognized compensation expense, period of recognition			25 months
Additional Disclosures [Abstract]
Shares vested after term			100.00%
Liability related to awards | $			$ 229	$ 187
Performance Share Units [Member]
Activity for Performance Based Awards [Roll Forward]
Balance, Beginning of period (in shares)	[1]		118,320
New awards granted (in shares)	[1]		54,478
Forfeited awards (in shares)			0
Awards settled (in shares)	[1]		(27,683)
Balance, End of period (in shares)	[1]		145,115	118,320
Employee Service Share-based Compensation, Non-vested Awards, Total Compensation Cost Not yet Recognized [Abstract]
Stock based compensation expense | $			$ 1,800	$ 500	$ 1,600
Options maximum term			3 years
Unrecognized stock-based compensation expense | $			$ 2,800
Unrecognized compensation expense, period of recognition			25 months
Additional Disclosures [Abstract]
Shares vested after term			100.00%
Liability related to awards | $			$ 2,900	$ 2,100
[1]	Unit amounts have been adjusted for all periods presented for the 1 for 5

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Commitments and Contingent Liabilities [Abstract]
Outsourced service expense	$ 8,384	$ 7,750	$ 7,600
Third-Party Service Agreement [Member] | Minimum [Member]
Long Term Purchase Commitment [Abstract]
Outsource service expense	8,000
Third-Party Service Agreement [Member] | Maximum [Member]
Long Term Purchase Commitment [Abstract]
Outsource service expense	$ 9,000

Earnings Per Share (Details)

Earnings Per Share (Details) $ / shares in Units, shares in Thousands, $ in Thousands		May 28, 2021	Dec. 31, 2021USD ($)$ / sharesshares	Dec. 31, 2020USD ($)$ / sharesshares	Dec. 31, 2019USD ($)$ / sharesshares
Reconciliation of the component parts of earnings per share [Abstract]
Net income | $			$ 61,519	$ 52,452	$ 57,840
Weighted average common shares (in shares)	[1]		19,259	19,301	19,370
Effect of dilutive common stock options (in shares)	[1]		4	2	16
Weighted average common shares including potential dilutive shares (in shares)	[1]		19,263	19,303	19,386
Basic EPS (in dollars per share) | $ / shares	[1],[2]		$ 3.194	$ 2.718	$ 2.986
Diluted EPS (in dollars per share) | $ / shares	[1],[2]		$ 3.194	$ 2.717	$ 2.984
Reverse stock split		0.2
Stock Options [Member]
Antidilutive Securities [Abstract]
Antidilutive stock options excluded from diluted earnings per share (in shares)			60	90
[1]	Share and per share amounts have been adjusted for all periods presented for the 1 for 5
[2]	All periods presented have been adjusted for the 1 for 5

Off-Balance Sheet Financial I_2

Off-Balance Sheet Financial Instruments (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Commitments to Extend Credit [Member]
Off-Balance Sheet Risks [Abstract]
Off-balance sheet risks, amount	$ 469.7	$ 458.2
Variable rate product commitments	81.00%	83.00%
Standby Letters of Credit [Member]
Off-Balance Sheet Risks [Abstract]
Off-balance sheet risks, amount	$ 5.3	$ 5.4
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, 2021	Dec. 31, 2020
Securities available for sale [Abstract]
Total securities available for sale	$ 407,713	$ 439,071
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	407,713	439,071
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	407,713	439,071
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	59,179	19,968
State and political subdivisions	41	103
Mortgage backed securities and collateralized mortgage obligations - residential	270,798	316,158
Corporate bonds	45,337	59,939
Small Business Administration - guaranteed participation securities	31,674	42,217
Other	684	686
Total securities available for sale	407,713	439,071
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	59,179	19,968
State and political subdivisions	41	103
Mortgage backed securities and collateralized mortgage obligations - residential	270,798	316,158
Corporate bonds	45,337	59,939
Small Business Administration - guaranteed participation securities	31,674	42,217
Other	684	686
Total securities available for sale	$ 407,713	$ 439,071

Fair Value, Assets Measured at

Fair Value, Assets Measured at Fair Value Non-recurring (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Assets measured at fair value on a non-recurring basis [Abstract]
Other Real Estate Owned, Valuation Technique [Extensible List]	Sales Comparison Approach [Member]	Sales Comparison Approach [Member]
Other Real Estate Owned, Measurement Input [Extensible List]	Adjustments for Differences Between Comparable Sales [Member]	Adjustments for Differences Between Comparable Sales [Member]
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
Valuation charge on other real estate owned	121	120
Impaired loans	18,504	21,581
Collateral dependent impaired loans	0	211
Gross charge offs, residential impaired loans	0	10
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	362	541
Impaired loans [Abstract]
Real estate mortgage - 1 to 4 family	$ 0	$ 211
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	0.14	0.07
Nonrecurring [Member] | Weighted Average [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.06	0.02
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		0.11
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		0.12
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		0.12
Nonrecurring [Member] | Carrying Value [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	$ 362	$ 541
Impaired loans [Abstract]
Real estate mortgage - 1 to 4 family	$ 0	$ 211

Fair Value, Carrying Amounts an

Fair Value, Carrying Amounts and Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financial assets [Abstract]
Cash and cash equivalents	$ 1,219,470	$ 1,107,099
Securities available for sale	407,713	439,071
Held to maturity securities	10,695	14,988
Net loans	4,451,031	4,287,585
Accrued interest receivable	9,099	10,031
Financial liabilities [Abstract]
Demand deposits	794,878	652,756
Interest bearing deposits	4,471,613	4,386,439
Short-term borrowings	244,686	214,755
Accrued interest payable	163	474
Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	1,219,470	1,107,099
Securities available for sale	0	0
Held to maturity securities	0	0
Net loans	0	0
Accrued interest receivable	10	39
Financial liabilities [Abstract]
Demand deposits	794,878	652,756
Interest bearing deposits	3,477,937	3,088,064
Short-term borrowings	0	0
Accrued interest payable	34	68
Level 2 [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Securities available for sale	407,713	439,071
Held to maturity securities	10,695	14,988
Net loans	0	0
Accrued interest receivable	1,235	1,458
Financial liabilities [Abstract]
Demand deposits	0	0
Interest bearing deposits	993,676	1,298,375
Short-term borrowings	244,686	214,755
Accrued interest payable	129	406
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	4,451,031	4,287,585
Accrued interest receivable	7,854	8,534
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	1,219,470	1,107,099
Securities available for sale	407,713	439,071
Held to maturity securities	9,923	13,824
Federal Reserve Bank and Federal Home Loan Bank stock	5,604	5,506
Net loans	4,394,512	4,194,875
Accrued interest receivable	9,099	10,031
Financial liabilities [Abstract]
Demand deposits	794,878	652,756
Interest bearing deposits	4,473,251	4,384,437
Short-term borrowings	244,686	214,755
Accrued interest payable	$ 163	$ 474

Regulatory Capital Requiremen_3

Regulatory Capital Requirements (Details) $ in Thousands		Dec. 31, 2021USD ($)Classification	Dec. 31, 2020USD ($)
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		$ 570,594	$ 539,897
Common equity Tier 1 capital		570,594	539,897
Tier 1 risk-based capital		570,594	539,897
Total risk-based capital		$ 608,308	$ 576,257
Risk Based Ratios [Abstract]
Tier 1 leverage ratio, ratio		0.09324	0.09378
Common equity Tier 1 capital, ratio		0.18954	0.18646
Tier 1 risk-based capital, ratio		0.18954	0.18646
Total risk-based capital, ratio		0.20206	0.19902
Leverage Ratios [Abstract]
Tier 1 leverage ratio, well capitalized	[1]	0.05000	0.05000
Tier 1 leverage ratio, minimum for capital adequacy plus capital conservation	[1],[2]	0.04000	0.04000
Common equity Tier 1 capital, well capitalized	[1]	0.06500	0.06500
Common equity Tier 1 capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.07000	0.07000
Tier 1 risk-based capital, well capitalized	[1]	0.08000	0.08000
Tier 1 risk-based capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.08500	0.08500
Total risk-based capital, well capitalized	[1]	0.10000	0.10000
Total risk-based capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.10500	0.10500
Common equity Tier 1 capital conservation buffer		0.0250	0.0250
Tier 1 risk based capital ratio, capital conservation buffer		0.0250	0.0250
Total risk based capital ratio, capital conservation buffer		0.0250	0.0250
TrustCo Bank Corp NY [Member]
Tier One Risk Based Capital [Abstract]
Tier 1 leverage capital		$ 588,427	$ 555,672
Common equity Tier 1 capital		588,427	555,672
Tier 1 risk-based capital		588,427	555,672
Total risk-based capital		$ 626,150	$ 592,040
Risk Based Ratios [Abstract]
Tier 1 leverage ratio, ratio		0.09614	0.09650
Common equity Tier 1 capital, ratio		0.19541	0.19187
Tier 1 risk-based capital, ratio		0.19541	0.19187
Total risk-based capital, ratio		0.20794	0.20443
Leverage Ratios [Abstract]
Tier 1 leverage ratio, minimum for capital adequacy plus capital conservation	[1],[2]	0.04000	0.04000
Common equity Tier 1 capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.07000	0.07000
Tier 1 risk-based capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.08500	0.08500
Total risk-based capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.10500	0.10500
Common equity Tier 1 capital conservation buffer		0.0250	0.0250
Tier 1 risk based capital ratio, capital conservation buffer		0.0250	0.0250
Total risk based capital ratio, capital conservation buffer		0.0250	0.0250
[1]	Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized
[2]	The December 31, 2021 and 2020 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent.

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income, Accumulated Other Comprehensive Income Balances, Net of Tax (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	$ 568,161	$ 538,257	$ 489,871	[1]
Other comprehensive income (loss) - before reclassifications	410	8,999	15,119
Amount reclassified from accumulated other comprehensive income	(199)	(1,524)	(349)
Other comprehensive income, net of tax	211	7,475	14,770
Balance	601,128	568,161	538,257
Accumulated Other Comprehensive Income (Loss), net of tax [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	11,936	4,461	(10,309)	[1]
Other comprehensive income, net of tax	211	7,475	14,770
Balance	12,147	11,936	4,461
Net unrealized holding gain (loss) on securities available for sale, net of tax [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	7,186	286	(10,416)
Other comprehensive income (loss) - before reclassifications	(7,212)	7,755	10,702
Amount reclassified from accumulated other comprehensive income	0	(855)	0
Other comprehensive income, net of tax	(7,212)	6,900	10,702
Balance	(26)	7,186	286
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	6,084	4,840	423
Other comprehensive income (loss) - before reclassifications	7,622	1,244	4,417
Amount reclassified from accumulated other comprehensive income	0	0	0
Other comprehensive income, net of tax	7,622	1,244	4,417
Balance	13,706	6,084	4,840
Net change in net actuarial gain and prior service credit on pension and pension and postretirement benefit plans, net of tax [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(1,334)	(665)	(316)
Other comprehensive income (loss) - before reclassifications		0	0
Amount reclassified from accumulated other comprehensive income	(199)	(669)	(349)
Other comprehensive income, net of tax	(199)	(669)	(349)
Balance	$ (1,533)	$ (1,334)	$ (665)
[1]	All periods presented have been adjusted for the 1 for 5

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income, Reclassifications out of Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Reclassification Adjustment out of Accumulated Other Comprehensive loss [Abstract]
Net gain on securities transactions	[1]	$ 0	$ 1,155	$ 0
Salaries and employee benefits		48,721	45,647	46,630
Income tax effect		20,614	16,994	18,669
Net income		61,519	52,452	57,840
Reclassification Out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive loss [Abstract]
Net income		199	1,524	349
Unrealized Gains on Securities Available for Sale [Member] | Reclassification Out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive loss [Abstract]
Net gain on securities transactions		0	1,155	0
Income tax effect		0	(300)	0
Net income		0	855	0
Amortization of Pension and Postretirement Benefit Items [Member] | Reclassification Out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive loss [Abstract]
Income tax effect		(70)	(235)	(122)
Net income		199	669	349
Amortization of Net Actuarial Gain [Member] | Reclassification Out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive loss [Abstract]
Salaries and employee benefits		674	708	274
Amortization of Prior Service (Cost) Credit [Member] | Reclassification Out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive loss [Abstract]
Salaries and employee benefits		$ (405)	$ 196	$ 197
[1]	Not within the scope of ASC 606.

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Sources of non-interest income [Abstract]
Net gain on securities transactions	[1]	$ 0	$ 1,155	$ 0
Other	[1]	698	1,243	4,109
Total non-interest income		17,937	17,170	18,591
Overdraft Fees [Member]
Sources of non-interest income [Abstract]
Non-interest income		2,660	2,665	3,571
Other [Member]
Sources of non-interest income [Abstract]
Non-interest income		1,940	1,629	459
Interchange Income [Member]
Sources of non-interest income [Abstract]
Non-interest income		5,281	4,199	4,065
Wealth Management Fees [Member]
Sources of non-interest income [Abstract]
Non-interest income		$ 7,358	$ 6,279	$ 6,387
[1]	Not within the scope of ASC 606.

Operating leases (Details)

Operating leases (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)PropertyLease	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Leases, operating [Abstract]
Number of lease for which construction not started | Lease	1
Other information related to leases [Abstract]
Operating lease cost	$ 8,128	$ 8,044	$ 7,808
Variable lease cost	2,015	2,029	1,968
Total Lease costs	10,143	10,073	9,776
Cash paid for amounts included in the measurement of lease liabilities [Abstract]
Operating cash flows from operating leases	8,192	8,042	7,839
Right-of-use assets obtained in exchange for lease obligations:	$ 6,588	$ 2,548	$ 57,464
Weighted average remaining lease term (years)	9 years 3 months 18 days	9 years	9 years 4 months 24 days
Weighted average discount rate	3.00%	3.20%	3.30%
Future minimum lease payments under non-cancellable leases [Abstract]
2022	$ 8,125
2023	7,912
2024	7,789
2025	7,416
2026	6,443
Thereafter	22,868
Total lease payments	60,553
Less: Interest	7,833
Present value of lease liabilities	52,720	$ 52,784
Operating lease right-of-use assets	48,090	$ 47,885
Director [Member]
Future minimum lease payments under non-cancellable leases [Abstract]
Total lease payments	3,600
Less: Interest	$ 498
Number of properties under lease owned by related party | Property	5
Minimum [Member]
Leases, operating [Abstract]
Operating lease expiration term	3 months
Maximum [Member]
Leases, operating [Abstract]
Operating lease expiration term	22 years 9 months 18 days

Parent Company Only, Statements

Parent Company Only, Statements of Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Expenses [Abstract]
Professional services	$ 6,108	$ 5,618	$ 6,174
Total noninterest expense	101,662	95,704	97,730
Income before income taxes and subsidiaries' undistributed earnings	82,133	69,446	76,509
Income tax benefit	20,614	16,994	18,669
Net income	61,519	52,452	57,840
Other comprehensive income, net of tax	211	7,475	14,770
Comprehensive income	61,730	59,927	72,610
TrustCo Bank Corp NY [Member]
Statements of Comprehensive Income [Abstract]
Dividends and interest from subsidiaries	34,096	31,100	28,340
Net gain on securities transactions	0	0	0
Miscellaneous income	0	0	0
Total income	34,096	31,100	28,340
Expenses [Abstract]
Operating supplies	21	20	82
Professional services	819	655	651
Miscellaneous expense	3,419	1,666	2,811
Total noninterest expense	4,259	2,341	3,544
Income before income taxes and subsidiaries' undistributed earnings	29,837	28,759	24,796
Income tax benefit	(972)	(558)	(837)
Income before subsidiaries' undistributed earnings	30,809	29,317	25,633
Equity in undistributed earnings of subsidiaries	30,710	23,135	32,207
Net income	61,519	52,452	57,840
Other comprehensive income, net of tax	211	7,475	14,770
Comprehensive income	$ 61,730	$ 59,927	$ 72,610

Parent Company Only, Statemen_2

Parent Company Only, Statements of Condition (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	[1]
Assets [Abstract]
Cash in subsidiary bank	$ 1,219,470	$ 1,107,099
Securities available for sale	407,713	439,071
Other assets	78,207	59,124
Total assets	6,196,546	5,901,796
Liabilities and shareholders' equity [Abstract]
Accrued expenses and other liabilities	29,883	28,903
Total liabilities	5,595,418	5,333,635
Shareholders' equity	601,128	568,161	$ 538,257	$ 489,871
Total liabilities and shareholders' equity	6,196,546	5,901,796
TrustCo Bank Corp NY [Member]
Assets [Abstract]
Cash in subsidiary bank	26,725	24,154
Investments in subsidiaries	583,307	552,399
Securities available for sale	36	36
Other assets	681	555
Total assets	610,749	577,144
Liabilities and shareholders' equity [Abstract]
Accrued expenses and other liabilities	9,621	8,983
Total liabilities	9,621	8,983
Shareholders' equity	601,128	568,161
Total liabilities and shareholders' equity	$ 610,749	$ 577,144
[1]	All periods presented have been adjusted for the 1 for 5

Parent Company Only, Statemen_3

Parent Company Only, Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash flows from operating activities [Abstract]
Net income	$ 61,519	$ 52,452	$ 57,840
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Stock based compensation expense	0	15	5
Total adjustments	(6,154)	9,705	5,958
Net cash provided by operating activities	55,365	62,157	63,798
Cash flows from investing activities [Abstract]
Purchases of securities available for sale	(139,962)	(145,339)	(262,754)
Net cash used in investing activities	(175,256)	(35,346)	(248,759)
Cash flows from financing activities [Abstract]
Cash used to settle fractional shares in the Reverse Stock Split	(200)	0	0
Proceeds from exercise of stock options	260	0	185
Dividends paid	(26,279)	(26,331)	(26,385)
Payments to acquire treasury stock	(2,386)	(3,493)	(35)
Proceeds from sales of treasury stock	0	0	1,791
Net cash provided by (used in) financing activities	232,262	623,442	138,098
Net increase (decrease) in cash and cash equivalents	112,371	650,253	(46,863)
Cash and cash equivalents at beginning of period	1,107,099	456,846	503,709
Cash and cash equivalents at end of period	1,219,470	1,107,099	456,846
TrustCo Bank Corp NY [Member]
Cash flows from operating activities [Abstract]
Net income	61,519	52,452	57,840
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Equity in undistributed earnings of subsidiaries	(30,710)	(23,135)	(32,207)
Stock based compensation expense	0	15	5
Net change in other assets and accrued expenses	354	515	246
Total adjustments	(30,356)	(22,605)	(31,956)
Net cash provided by operating activities	31,163	29,847	25,884
Cash flows from investing activities [Abstract]
Purchases of securities available for sale	0	(1)	0
Net cash used in investing activities	0	(1)	0
Cash flows from financing activities [Abstract]
Cash used to settle fractional shares in the Reverse Stock Split	(200)	0	0
Proceeds from exercise of stock options	260	0	185
Dividends paid	(26,266)	(26,317)	(26,372)
Payments to acquire treasury stock	(2,386)	(3,493)	(35)
Proceeds from sales of treasury stock	0	0	1,791
Net cash provided by (used in) financing activities	(28,592)	(29,810)	(24,431)
Net increase (decrease) in cash and cash equivalents	2,571	36	1,453
Cash and cash equivalents at beginning of period	24,154	24,118	22,665
Cash and cash equivalents at end of period	$ 26,725	$ 24,154	$ 24,118