BanksTOMPKINS COMMUNITY BANK

TOMPKINS COMMUNITY BANK

ITHACA, NYLargeEst. Jan. 1, 1934, midnightFDIC #609RSSD #433608FDIC
Latest · 2025-12-31

TOMPKINS COMMUNITY BANK is an FDIC-insured commercial bank headquartered in ITHACA, NY, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $8.7B and total deposits of $7.1B. Profitability stands at -1.48% ROA and -16.71% ROE, with a net interest margin of 3.51%. CET1 capital ratio: 11.48%, well above regulatory minimums. NPL ratio: 0.74% · Texas Ratio: 5.65%. Operates 59 domestic branches.

Assets
$8.7B
Deposits
$7.1B
Loans
$6.5B
Equity
$792M

Profitability

Return on Assets (ROA)-1.48%
Return on Equity (ROE)-16.71%
Net Interest Margin3.51%
Yield on Assets5.13%
Cost of Funds1.67%

Asset Quality

NPL Ratio0.74%
Net Charge-Off Ratio0.16%
Texas Ratio5.65%
NPA Ratio0.55%
ACL / Loans0.89%

Capital & Liquidity

CET1 Ratio11.48%
Tier 1 Capital11.48%
Total Capital Ratio12.39%
Leverage Ratio8.92%
Loan-to-Deposit90.97%

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