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  <xs:element name="InterestReceivableFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="trst_InterestReceivableFairValueDisclosure"/>
  <xs:element name="DemandDepositAccountsFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="trst_DemandDepositAccountsFairValueDisclosure"/>
  <xs:element name="InterestBearingDepositFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="trst_InterestBearingDepositFairValueDisclosure"/>
  <xs:element name="InterestPayableFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="trst_InterestPayableFairValueDisclosure"/>
  <xs:element name="OtherNonInterestIncome" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="trst_OtherNonInterestIncome"/>
  <xs:element name="LesseeOperatingLeaseLiabilityToBePaidDueAfterYearFour" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="trst_LesseeOperatingLeaseLiabilityToBePaidDueAfterYearFour"/>
  <xs:element name="BankingRegulationCommonEquityTier1RiskBasedCapitalRatioWithConservationBufferCapitalAdequacyMinimum" type="xbrli:pureItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="trst_BankingRegulationCommonEquityTier1RiskBasedCapitalRatioWithConservationBufferCapitalAdequacyMinimum"/>
  <xs:element name="BankingRegulationTier1RiskBasedCapitalRatioCapitalAdequacyAndConservationBufferMinimum" type="xbrli:pureItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="trst_BankingRegulationTier1RiskBasedCapitalRatioCapitalAdequacyAndConservationBufferMinimum"/>
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  <xs:element name="DebtSecuritiesAvailableforSaleNonaccrual" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="trst_DebtSecuritiesAvailableforSaleNonaccrual"/>
  <xs:element name="HeldToMaturitySecuritiesSalesAndTransferredSecurity" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="trst_HeldToMaturitySecuritiesSalesAndTransferredSecurity"/>
  <xs:element name="DebtSecuritiesAvailableForSaleNumberOfPositions" type="xbrli:integerItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="trst_DebtSecuritiesAvailableForSaleNumberOfPositions"/>
  <xs:element name="NonAccrualResidentialMortgageLoansInTheProcessOfForeclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="trst_NonAccrualResidentialMortgageLoansInTheProcessOfForeclosure"/>
  <xs:element name="FinancingReceivableNumberOfCommitmentsToExtendCredit" type="xbrli:integerItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="trst_FinancingReceivableNumberOfCommitmentsToExtendCredit"/>
  <xs:element name="TdrSClassificationsFromPreviouslyPerformingLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="trst_TdrSClassificationsFromPreviouslyPerformingLoans"/>
  <xs:element name="FinancingReceivableNumberOfLoansModifiedSubsequentDefault" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_FinancingReceivableNumberOfLoansModifiedSubsequentDefault"/>
  <xs:element name="DeferralPeriodOfPastDueLoans" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_DeferralPeriodOfPastDueLoans"/>
  <xs:element name="NumberOfDaysPastDueWhenLoansConsideredInPaymentDefaultUnderModifiedTerms" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_NumberOfDaysPastDueWhenLoansConsideredInPaymentDefaultUnderModifiedTerms"/>
  <xs:element name="NumberOfDaysPastDueLoanConsideredInPaymentDefault" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_NumberOfDaysPastDueLoanConsideredInPaymentDefault"/>
  <xs:element name="NumberOfLeasesForWhichConstructionNotStarted" type="xbrli:integerItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="trst_NumberOfLeasesForWhichConstructionNotStarted"/>
  <xs:element name="NumberOfPropertiesUnderLeaseOwnedByRelatedParty" type="xbrli:integerItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="trst_NumberOfPropertiesUnderLeaseOwnedByRelatedParty"/>
  <xs:element name="NumberOfClassificationsForPromptCorrectiveActionRegulationsProvides" type="xbrli:integerItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="trst_NumberOfClassificationsForPromptCorrectiveActionRegulationsProvides"/>
  <xs:element name="ChangeInOverfundedPositionMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_ChangeInOverfundedPositionMember"/>
  <xs:element name="CommercialBorrowersResidentialPurposesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_CommercialBorrowersResidentialPurposesMember"/>
  <xs:element name="CommercialOtherReceivableMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_CommercialOtherReceivableMember"/>
  <xs:element name="InterchangeIncomeMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_InterchangeIncomeMember"/>
  <xs:element name="InvestmentSecuritiesCashMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_InvestmentSecuritiesCashMember"/>
  <xs:element name="NewYorkAndOtherStatesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_NewYorkAndOtherStatesMember"/>
  <xs:element name="OtherCollateralLoanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_OtherCollateralLoanMember"/>
  <xs:element name="OtherMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_OtherMember"/>
  <xs:element name="OverdraftFeesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_OverdraftFeesMember"/>
  <xs:element name="SmallBusinessAdministrationGuaranteedParticipationSecuritiesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_SmallBusinessAdministrationGuaranteedParticipationSecuritiesMember"/>
  <xs:element name="WealthManagementFeesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_WealthManagementFeesMember"/>
  <xs:element name="AllowanceForLoanLossesBasedOnImpairmentMethodAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_AllowanceForLoanLossesBasedOnImpairmentMethodAbstract"/>
  <xs:element name="CashPaidDuringYearForAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_CashPaidDuringYearForAbstract"/>
  <xs:element name="EndingAllowanceBalanceAttributableToLoansAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_EndingAllowanceBalanceAttributableToLoansAbstract"/>
  <xs:element name="FinancingReceivableAllowanceForCreditLossesLoansChargedOffAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_FinancingReceivableAllowanceForCreditLossesLoansChargedOffAbstract"/>
  <xs:element name="FinancingReceivableRecoveriesOfLoansPreviouslyChargedOffAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_FinancingReceivableRecoveriesOfLoansPreviouslyChargedOffAbstract"/>
  <xs:element name="FinancingReceivableRiskCategoryOfLoansByClassAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_FinancingReceivableRiskCategoryOfLoansByClassAbstract"/>
  <xs:element name="InterestOnHeldToMaturitySecuritiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_InterestOnHeldToMaturitySecuritiesAbstract"/>
  <xs:element name="LoansBasedOnImpairmentMethodAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_LoansBasedOnImpairmentMethodAbstract"/>
  <xs:element name="ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveLossAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="trst_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveLossAbstract"/>
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</xs:schema>
