Tompkins Bank & Trust
Tompkins Bank & Trust reported total assets of $8.8 bn at Q2 2026, up 5.4% on a year earlier, the 183rd largest of 497 banks in our US coverage. The CET1 capital ratio at Tompkins Bank & Trust was 11.91%, and the uninsured share of Tompkins Bank & Trust was 41.31%. Source: FDIC Call Reports.
Key takeaways
- On net interest margin, Tompkins Bank & Trust climbed from 379th to 286th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , Tompkins Bank & Trust has taken over 3 institutions; the latest was VIST Bank on (FDIC Call Reports).
What sets Tompkins Bank & Trust apart
How large is Tompkins Bank & Trust?
The balance sheet of Tompkins Bank & Trust at : assets $8.8 bn, deposits $7.2 bn, net loans $6.5 bn (loans equal to 91.25% of deposits). Securities make up 19.4% of total assets at Tompkins Bank & Trust. Since , when Tompkins Bank & Trust held $1.8 bn, its assets grew 384.9%. In the year to , deposits at Tompkins Bank & Trust rose 6.0% while its total assets rose 5.4%. At , Tompkins Bank & Trust employed 829 full-time equivalent staff across 59 offices, about $10.6 mn of assets per employee and $121.5 mn of deposits per office.
How much funding at Tompkins Bank & Trust is uninsured?
At Tompkins Bank & Trust, uninsured deposits (above the FDIC limit) made up 41.31% of domestic deposits at (+0.45 pp on a year earlier); Tompkins Bank & Trust ranks 171st of 500 on this measure. In dollars, Tompkins Bank & Trust estimated $3.0 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $7.2 bn | +6.0% | 181st of 499 |
| Net loans and leases | $6.5 bn | +6.9% | 174th of 500 |
| Loan-to-deposit ratio | 91.25% | +0.80 pp | 169th of 500 |
| Tier 1 leverage ratio | 9.11% | +0.22 pp | 416th of 500 |
| Total risk-based capital ratio | 12.82% | +0.29 pp | 375th of 448 |
| Net interest margin | 3.53% | +0.50 pp | 286th of 500 |
| Return on assets (ROA) | 1.38% | +0.38 pp | 203rd of 500 |
| Efficiency ratio | 53.13% | -5.44 pp | 194th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $31.1 mn | Narrowed by $2.5 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $26.8 mn | Narrowed by $77.9 mn | |
| Noncurrent loans to total loans | 0.80% | -0.05 pp | 308th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.07% | -0.12 pp | 226th of 500 (1 = lowest) |
US rank of Tompkins Bank & Trust: 1 = highest unless marked 1 = lowest.
Balance sheet
Tompkins Bank & Trust: assets, deposits and loans
- Total assets $8.8bn
- Deposits $7.2bn
- Net loans $6.5bn
Capital and securities
The CET1 ratio of Tompkins Bank & Trust stood at 11.91% in , +0.34 pp year on year. Low and high at Tompkins Bank & Trust since : 11.46% () to 13.92% (). Equity capital of Tompkins Bank & Trust at : $815.8 mn, or 9.3% of total assets. Tompkins Bank & Trust also reported a total capital ratio of 12.82% for , and a tier 1 leverage ratio of 9.11%.
On held-to-maturity securities, Tompkins Bank & Trust carried an unrealized loss of $31.1 mn at , equal to 3.8% of equity capital. The loss narrowed by $2.5 mn over the year. Its deepest point: $59.4 mn in . The available-for-sale portfolio of Tompkins Bank & Trust showed an unrealized loss of $26.8 mn at ; the loss narrowed by $77.9 mn over the year.
Tompkins Bank & Trust: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.1%
Tompkins Bank & Trust: unrealized securities gains and losses
- Available for sale -$27mn
- Held to maturity -$31mn
Profitability and loan quality
For the year to , Tompkins Bank & Trust earned a return on equity of 15.03%; return on assets: 1.38%. Net interest margin at Tompkins Bank & Trust: 3.53%, +0.50 pp in a year. Tompkins Bank & Trust net income: $60.4 mn, up 47.5% year on year. The efficiency ratio of Tompkins Bank & Trust was 53.13%: about 53 cents cost per revenue dollar, against 54 cents at the median peer.
At , noncurrent loans were 0.80% of total loans at Tompkins Bank & Trust; net charge-offs: 0.07% of average loans. Gross loans and leases at Tompkins Bank & Trust: $6.6 bn, up 6.9% in a year.
Tompkins Bank & Trust: profitability
- Return on equity 15%
- Net interest margin 3.5%
- Return on assets 1.4%
Peer group of Tompkins Bank & Trust
The peer group of Tompkins Bank & Trust is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 4 share the charter type of Tompkins Bank & Trust (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in New York. Against them, Tompkins Bank & Trust shows CET1 ratio 11.91% against a peer median of 13.49%, return on equity 15.03% against a peer median of 10.64% and uninsured deposit share 41.31% against a peer median of 35.01%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| b1BANK | State nonmember bank | LA | $8.9 bn | 12.33% | 10.30% | 46.68% | |
| Metropolitan Commercial Bank | State member bank | NY | $8.9 bn | 12.91% | 12.09% | 27.21% | |
| Salem Five Cents Savings Bank | State nonmember bank | MA | $8.8 bn | 13.21% | 8.41% | 18.29% | |
| Tompkins Bank & Trust | State nonmember bank | NY | $8.8 bn | 11.91% | 15.03% | 41.31% | |
| Wells Fargo National Bank West | National bank | NV | $8.8 bn | 64.87% | 5.30% | 1.55% | |
| Southside Bank | State nonmember bank | TX | $8.8 bn | 16.28% | 10.98% | 42.81% | |
| First American Bank | State nonmember bank | IL | $8.6 bn | 13.77% | 18.30% | 44.58% | |
. FDIC Call Reports.
Last eight quarters
Two years at Tompkins Bank & Trust, to : assets +10.3%, deposits +8.3%, equity +25.1%. Staff 801 to 829; offices 60 to 59.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $8.0 bn | $8.1 bn | $8.2 bn | $8.3 bn | $8.4 bn | $8.7 bn | $8.7 bn | $8.8 bn |
| Total deposits | $6.6 bn | $6.5 bn | $6.8 bn | $6.8 bn | $7.1 bn | $7.1 bn | $7.2 bn | $7.2 bn |
| Bank equity capital | $652.3 mn | $644.0 mn | $674.0 mn | $693.9 mn | $718.9 mn | $792.0 mn | $802.3 mn | $815.8 mn |
| CET1 ratio | 11.57% | 11.46% | 11.63% | 11.57% | 11.65% | 11.48% | 11.74% | 11.91% |
| Return on equity (ROE) | 11.08% | 11.62% | 11.28% | 12.21% | 12.47% | 4.59% | 14.33% | 15.03% |
| Uninsured share of domestic deposits | 40.28% | 38.78% | 40.50% | 40.86% | 41.55% | 42.27% | 42.63% | 41.31% |
| Full-time equivalent employees | 801 | 814 | 805 | 836 | 830 | 843 | 832 | 829 |
| Number of offices | 60 | 60 | 59 | 59 | 59 | 59 | 59 | 59 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Tompkins Bank & Trust, oldest first; figures before and after each event are not like for like.
- . Absorbed Mahopac Bank (FDIC certificate 7153).
- . Absorbed The Bank of Castile (FDIC certificate 13292).
- . Absorbed VIST Bank (FDIC certificate 7748).
Large one-quarter moves at Tompkins Bank & Trust
- Total assets at Tompkins Bank & Trust changed by +219.6% in the quarter to 2022-03-31: Affiliated Institution Merger (Pooling) (i.e. Corporate Reorganization; Participated in Absorbtion/Consolidation/Merger: acquired from Mahopac Bank, The Bank of Castile, VIST Bank.
Questions and identifiers
What were the total assets of Tompkins Bank & Trust?
Tompkins Bank & Trust reported $8.8 bn at in its Call Report. That makes Tompkins Bank & Trust the 183rd largest of 497 banks in our US coverage.
Is Tompkins Bank & Trust the same as its holding company?
No. This page covers Tompkins Bank & Trust, FDIC certificate 609; TOMPKINS FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Tompkins Bank & Trust profitable?
Tompkins Bank & Trust reported net income of $60.4 mn for the year to ; annualized return on equity: 15.03%. So yes: Tompkins Bank & Trust made a profit over these months.
When is data for Tompkins Bank & Trust next updated?
Figures from Tompkins Bank & Trust for are due after .
Where can I check the figures for Tompkins Bank & Trust?
In the FDIC BankFind Suite record for certificate 609, and in the Call Reports of Tompkins Bank & Trust (RSSD ID 433608) at the FFIEC Central Data Repository.