Tompkins Bank & Trust
Tompkins Bank & Trust is an FDIC-insured commercial bank headquartered in Ithaca, NY, supervised by the FDIC, with $8.97B in total assets at Q3 2026, up 6.4% from Q3 2025, the 16th largest of 105 banks headquartered in New York. It was established in 1934 and holds FDIC certificate 609. Its CET1 capital ratio was 11.96% at Q3 2026, above regulatory requirements.
Also written as TB&T
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 609
- Headquarters
- Ithaca, NY
- Established
- 1934
- Total assets, Q3 2026
- $8.97B
- Assets vs Q3 2025
- +6.4%
- CET1 ratio, Q3 2026
- 11.96%
- Domestic offices
- 59 branches
- Routing number
- 021302648
- Safety and soundness
- Is Tompkins Bank & Trust safe?
- Latest call report
- Q3 2026, FFIEC 041 · Tompkins Bank & Trust call report
- Holding company
- TOMPKINS FINANCIAL CORPORATION
- Asset rank in state
- 16th of 105 in New York
Tompkins Bank & Trust operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $9.0 billion at September 30, 2026, up 6.4% from a year earlier; it is based in Ithaca, New York. It funds 9.19% of its assets with Tier 1 capital, lower than about three-quarters of the 887 banks with $1 billion to $10 billion in assets (median 10.57%). On the other hand, it pays an average of 1.38% on its deposits and borrowings, lower than about three-quarters of banks its size (median 2.05%).
Earnings jumped: net income for the quarter was $31 million, 36% above the same quarter a year earlier. Delinquency has appeared in its $849 million multifamily book: 2.10% of those loans are past due or on nonaccrual, against almost none a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.2 times its capital, higher than about three-quarters of banks its size (median 2.3 times).
As of September 30, 2026, Tompkins Bank & Trust reported a CET1 capital ratio of 11.96%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.79% and a Texas ratio of 6.78%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Tompkins Bank & Trust is the 16th largest by total assets at Q3 2026. Quarter on quarter (Q2 2026 to Q3 2026), its total assets rose 2.0% to $8.97B, loans rose 1.9% and deposits rose 5.3%. The largest part of its loan book on September 30, 2026 was 1-4 family residential loans, at 28.4% of total loans, ahead of non-owner-occupied commercial real estate loans at 22.1%. The FDIC Summary of Deposits lists 59 offices for it, in 47 cities across 2 states; its Ithaca 6 offices book 17% of its branch deposits. By the capital ratios in its Q3 2026 call report, Tompkins Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 118 E Seneca St, Ithaca, NY 14850
- County
- Tompkins
- Metro Area
- Ithaca, NY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- 1934
- Former names
- Tompkins Community Bank (2022-2026); Tompkins Trust Company (2001-2022); Tompkins County Trust Company (1935-2001)
- Domestic offices
- 59 branches
- Employees (FTE)
- 829
- Domestic deposits
- $7.54B
- Allowance for credit losses
- $60.5M
- Net charge-offs (YTD)
- $3.6M
- Average total assets
- $8.80B
- Average total loans
- $6.64B
- Average interest-bearing deposits
- $6.83B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 609
- Fed RSSD
- 433608
- SEC CIK
- 1005817 → filed by TOMPKINS FINANCIAL CORPORATION
- Website
- www.tompkinsbank.com →
- Parent Holding Company
- TOMPKINS FINANCIAL CORPORATION (RSSD 2367921) · TMP
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Stephen S Romaine | CEO | President & CEO |
| Eric W Taylor | PRES | EVP, President TFA |
| Matthew D Tomazin | CFO | EVP, CFO & Treasurer |
| Francis M Fetsko | COO | EVP, COO, CFO & Treasurer |
| Alyssa H Fontaine | CRO | EVP, General Counsel & CRO |
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, Tompkins Bank & Trust's total assets ran between $7.73B (Q1 2024) and $8.97B (Q3 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$8.97B total assets against $8.43B; $8.17B total liabilities against $7.71B.
$6.66B net loans and leases against $6.23B; $7.54B total deposits against $7.10B.
$1.65B securities against $1.60B; $242.2M cash and balances due against $193.3M.
$109.8M total interest income against $98.1M; $32.5M total interest expense against $34.2M.
$77.3M net interest income against $63.9M.
$15.6M total noninterest income against $15.2M; $48.6M total noninterest expense against $46.4M.
$3.0M provision for credit losses against $2.5M.
$31.3M net income against $22.9M.
1.42% return on assets against 1.10%; 3.68% net interest margin against 3.21%.
11.96% CET1 capital ratio against 11.65%; 9.19% tier 1 leverage ratio against 8.92%.
Inside the full Tompkins Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Tompkins Bank & Trust rankings
Its closest position to the top of a national ranking is 179 of 4,193, for total assets; its furthest is 1,669 of 2,021, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from -1.50% (Q4 2025) to 1.47% (Q2 2026) and its net interest margin ran from 2.93% (Q1 2025) to 3.68% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 11.96% | 1.42% | 0.79% | 6.78% | 3.68% |
| Q2 2026 | 11.91% | 1.47% | 0.80% | 6.46% | 3.57% |
| Q1 2026 | 11.74% | 1.33% | 0.79% | 6.40% | 3.52% |
| Q4 2025 | 11.48% | -1.50% | 0.74% | 6.06% | 3.44% |
| Q3 2025 | 11.65% | 1.10% | 0.84% | 7.32% | 3.21% |
| Q2 2025 | 11.57% | 1.09% | 0.85% | 7.54% | 3.07% |
| Q1 2025 | 11.63% | 0.92% | 1.17% | 10.52% | 2.93% |
| Q4 2024 | 11.46% | 1.05% | 0.85% | 10.25% | 2.94% |
Swipe the table sideways to see every column.
Branch Network
View all 59 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Tompkins Community Bank | Ithaca , NY | 14850 | $935.8M |
| Triphammer Branch | Lansing Township , NY | 14850 | $407.8M |
| North Pointe Branch | Leesport , PA | 19533 | $257.2M |
| Batavia Branch | Batavia , NY | 14020 | $254.7M |
| Brewster Branch | Brewster , NY | 10509 | $241.8M |
| Mahopac Branch | Mahopac , NY | 10541 | $194.8M |
| Geneseo Branch | Geneseo , NY | 14454 | $170.0M |
| Chili Branch | Chili , NY | 14624 | $169.2M |
| Auburn Branch | Auburn , NY | 13021 | $164.7M |
| Le Roy Branch | Le Roy , NY | 14482 | $162.8M |
| Trumansburg Branch | Trumansburg , NY | 14886 | $161.3M |
| Wyomissing Hills Branch | Wyomissing , PA | 19610 | $153.0M |
| Pottstown Branch | Pottstown , PA | 19464 | $149.4M |
| Warsaw Branch | Warsaw , NY | 14569 | $146.8M |
| Northeast Reading Branch | Reading , PA | 19604 | $144.6M |
| Arcade Branch | Arcade , NY | 14009 | $143.4M |
| Perry Branch | Perry , NY | 14530 | $140.1M |
| Mount Kisco Branch | Mount Kisco , NY | 10549 | $135.2M |
| Wappingers Fall Branch | Wappingers Falls , NY | 12590 | $130.2M |
| Sleepy Hollow Branch | Sleepy Hollow , NY | 10591 | $127.3M |
| Putnam Valley Branch | Putnam Valley , NY | 10579 | $118.3M |
| Hopewell Junction Branch | Hopewell Junction , NY | 12533 | $116.4M |
| Greece Branch | Greece , NY | 14612 | $114.9M |
| Sinking Spring Branch | Sinking Spring , PA | 19608 | $114.1M |
| West Seneca Street Branch | Ithaca , NY | 14850 | $108.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2022 | M&A | Acquired The Bank of Castile merger for the acquired bank | SEC |
| January 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2022 | Structure Change | Acquired The Bank of Castile Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (FDIC)
- March 7, 1994, FDIC: Assessment of Civil Money Penalty: TOMPKINS COUNTY TRUST COMPANY
- Period: Most recent institution action March 7, 1994. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in NY, rank 38 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,096 applications, 1,564 loans originated, $600.2M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 35 loans, $15.9M approved, $456K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Tompkins Bank & Trust
What are Tompkins Bank & Trust's total assets?
As of the Q3 2026 filing, Tompkins Bank & Trust reported total assets of $8.97 billion in its FFIEC call report.
Where is Tompkins Bank & Trust headquartered?
It is headquartered in Ithaca, NY, United States.
When was Tompkins Bank & Trust founded?
It was established in 1934, per the FDIC institution directory.
Is Tompkins Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #609). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Tompkins Bank & Trust?
Tompkins Bank & Trust's primary federal regulator is the FDIC.
What is Tompkins Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.96% in its Q3 2026 call report, above regulatory requirements.
How many branches does Tompkins Bank & Trust operate?
It operates 59 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Tompkins Bank & Trust's Texas Ratio?
Its Texas Ratio is 6.78% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
What was Tompkins Bank & Trust previously called?
The charter now named Tompkins Bank & Trust has also operated as Tompkins Community Bank (2022-2026), Tompkins Trust Company (2001-2022), Tompkins County Trust Company (1935-2001), per FDIC structure-change records.
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