Tompkins Bank & Trust: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
Tompkins Bank & Trust reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 11.96% in Q3 2026, up 0.31 percentage points from 11.65% in Q3 2025. Across the 12 quarters shown it ranged from 11.46% (Q4 2024) to 11.96% (Q3 2026).
Equity capital to total assets fell 0.43 percentage points from Q2 2026 to Q3 2026, ending at 8.85% against 9.28%. It was the largest change among the key lines on this page. Within New York, Tompkins Bank & Trust is 71st of 81 on CET1 ratio, 11.96% as of Q3 2026. The median for banks in the $1B-10B asset tier is 13.60% on CET1 ratio. Tompkins Bank & Trust sits 1.64 points lower, at 11.96% (Q3 2026).
Risk-based capital ratios
Largest change in this table: tier 1 leverage ratio, up 0.08 points to 9.19% in Q3 2026 after 9.11% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.96% |
| Tier 1 risk-based capital ratio | 11.96% |
| Total risk-based capital ratio | 12.88% |
| Tier 1 leverage ratio | 9.19% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Largest change in this table: total equity capital, down 2.7% to $793.7M in Q3 2026 after $815.8M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $802.0M |
| Tier 1 capital | $802.0M |
| Total risk-based capital | $863.6M |
| Total equity capital | $793.7M |
| Risk-weighted assets | $6.70B |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 8.85% |
| Tangible equity to tangible assets | 8.19% |
| Equity capital to average assets | 9.02% |
| Internal capital growth rate | 8.94% |
Capital structure
Largest change in this table: retained earnings, up 3.8% to $502.2M in Q3 2026 after $484.0M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common stock | $5.4M |
| Common stock surplus | $359.1M |
| Retained earnings | $502.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$73.1M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 11.82% | 11.82% | 12.81% | 8.65% | $5.63B |
| Q1 2024 | 11.86% | 11.86% | 12.85% | 8.65% | $5.68B |
| Q2 2024 | 11.66% | 11.66% | 12.65% | 8.71% | $5.83B |
| Q3 2024 | 11.57% | 11.57% | 12.56% | 8.70% | $5.94B |
| Q4 2024 | 11.46% | 11.46% | 12.41% | 8.77% | $6.08B |
| Q1 2025 | 11.63% | 11.63% | 12.65% | 8.84% | $6.11B |
| Q2 2025 | 11.57% | 11.57% | 12.53% | 8.89% | $6.25B |
| Q3 2025 | 11.65% | 11.65% | 12.63% | 8.92% | $6.33B |
| Q4 2025 | 11.48% | 11.48% | 12.39% | 8.92% | $6.50B |
| Q1 2026 | 11.74% | 11.74% | 12.66% | 8.98% | $6.50B |
| Q2 2026 | 11.91% | 11.91% | 12.82% | 9.11% | $6.57B |
| Q3 2026 | 11.96% | 11.96% | 12.88% | 9.19% | $6.70B |
Tompkins Bank & Trust capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Tompkins Bank & Trust profile or its peer group comparison.
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