Tompkins Bank & Trust: Deposit Base
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Data as of · Call Report Schedules RC-E and RC-O How we update
On its Q3 2026 filing, Tompkins Bank & Trust reported 22 of the 23 line items on this page. It did not report foreign office deposits. Total deposits was $7.54B in Q3 2026, up 6.3% from $7.10B in Q3 2025. That is 84.1% of its total assets. Across the 12 quarters shown it ranged from $6.32B (Q2 2024) to $7.54B (Q3 2026).
The standout move of Q3 2026 was in Loans and leases to core deposits: 3.67 percentage points lower than in Q2 2026, at 95.64%. Tompkins Bank & Trust ranks 16th of 105 New York banks on total deposits, in the upper half at $7.54B (Q3 2026). Tompkins Bank & Trust's total deposits of $7.54B is well above the $1.68B median for banks in the $1B-10B asset tier, a gap of 348% (Q3 2026).
Deposit totals
Deposits to total assets moved most in this table, up 2.61 points: 81.52% in Q2 2026, 84.13% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Total deposits | $7.54B |
| Domestic office deposits | $7.54B |
| Foreign office deposits | — |
| Deposits to total assets | 84.13% |
| Deposits to total liabilities | 92.30% |
Source: Call Report Schedule RC: Total deposits (item 13.a, RCON2200).
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Deposit composition
Savings deposits moved most in this table, down 23.1%: $47.6M in Q2 2026, $36.6M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Demand deposits | $905.7M |
| Savings deposits | $36.6M |
| Transaction accounts to domestic deposits | 12.63% |
| Time deposits to total deposits | 16.61% |
| Time deposits under $100k | $473.5M |
| Time deposits $100k to $250k | $266.5M |
| Time deposits over $250k | $512.9M |
| Noninterest-bearing share of deposits | 27.95% |
Stability of funding
Uninsured deposits to total deposits changed the most here, up 2.04 points to 43.35% in Q3 2026 from 41.31% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Core deposits | $6.89B |
| Core deposits to total deposits | 91.34% |
| Insured deposits | $4.28B |
| Uninsured deposits | $3.27B |
| Uninsured deposits to total deposits | 43.35% |
| Brokered deposits | $140.1M |
| Brokered deposits to total deposits | 1.86% |
Cost of deposits
| Line item | Q3 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.10% |
| Interest expense on deposits | $27.7M |
| Loans and leases to core deposits | 95.64% |
Deposit Base trend
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Uninsured deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|---|
| Q4 2023 | $6.42B | 93.48% | 44.50% | 0.47% | 2.05% |
| Q1 2024 | $6.48B | 92.98% | 44.92% | 0.85% | 2.14% |
| Q2 2024 | $6.32B | 93.81% | 44.38% | 0.36% | 2.23% |
| Q3 2024 | $6.62B | 93.07% | 40.28% | 0.31% | 2.34% |
| Q4 2024 | $6.51B | 92.87% | 38.78% | 0.00% | 2.36% |
| Q1 2025 | $6.79B | 91.66% | 40.50% | 1.47% | 2.23% |
| Q2 2025 | $6.76B | 91.13% | 40.86% | 2.05% | 2.25% |
| Q3 2025 | $7.10B | 91.30% | 41.55% | 2.05% | 2.26% |
| Q4 2025 | $7.13B | 90.71% | 42.27% | 1.60% | 2.19% |
| Q1 2026 | $7.25B | 90.79% | 42.63% | 1.51% | 2.04% |
| Q2 2026 | $7.17B | 90.34% | 41.31% | 2.36% | 2.06% |
| Q3 2026 | $7.54B | 91.34% | 43.35% | 1.86% | 2.10% |
Tompkins Bank & Trust deposit base, quarter by quarter
Deposit Base since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-E and RC-O, 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.
Regulator records: FDIC BankFind (cert 609) · FFIEC NIC profile (RSSD 433608)