Tompkins Bank & Trust: Income and Expense
BankRegReports is independent of Tompkins Bank & Trust and never asks for online banking logins or passwords.
Data as of · Call Report Schedule RI How we update
Tompkins Bank & Trust reported all 18 line items on this page on its Q3 2026 filing. Net income was $31.3M in Q3 2026, up 36.4% from $22.9M in Q3 2025.
Provision for credit losses climbed 100.5% in Q3 2026, from $1.5M to $3.0M. It was the largest change from Q2 2026 among the key lines here. Tompkins Bank & Trust ranks 24th of 105 New York banks on return on assets, in the upper half at 1.42% (Q3 2026). Tompkins Bank & Trust reported 1.42% on return on assets for Q3 2026, 0.12 points above the 1.30% median for banks in the $1B-10B asset tier.
Net income
Largest change in this table: net income, down 1.6% to $31.3M in Q3 2026 after $31.8M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Net income | $31.3M |
| Return on assets | 1.42% |
| Return on equity | 15.56% |
Get an email when Tompkins Bank & Trust files its next quarter, and see its income and expense against peers in the terminal. Free account, no card.
Interest income and expense
Largest change in this table: net interest margin, up 0.11 points to 3.68% in Q3 2026 after 3.57% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $93.6M |
| Total interest expense | $32.5M |
| Interest expense on deposits | $27.7M |
| Net interest margin | 3.68% |
Noninterest income and expense
Largest change in this table: total noninterest expense, up 4.2% to $48.6M in Q3 2026 after $46.6M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total noninterest expense | $48.6M |
| Salaries and general administrative expense | $34.7M |
| Amortization of intangibles | $0 |
| Other noninterest expense | $13.8M |
| Efficiency ratio | 52.03% |
Productivity
| Line item | Q3 2026 |
|---|---|
| Assets per employee | $10.8M |
| Revenue per employee | $448K |
| Full-time equivalent employees | 829 |
Credit costs and securities results
| Line item | Q3 2026 |
|---|---|
| Provision for credit losses | $3.0M |
| Provision expense to average assets | 0.14% |
| Realized gain/(loss) on securities | $0 |
Income and Expense trend
Each bar is that quarter alone, not a year-to-date total.
Lower is better: it is expense as a share of revenue.
Income and Expense by quarter
| Quarter | Net income | Return on assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|
| Q4 2023 | $14.1M | 0.72% | 9.74% | 66.08% |
| Q1 2024 | $16.8M | 0.85% | 11.08% | 64.75% |
| Q2 2024 | $16.6M | 0.84% | 10.96% | 63.73% |
| Q3 2024 | $18.0M | 0.90% | 11.38% | 62.17% |
| Q4 2024 | $21.1M | 1.05% | 13.00% | 58.81% |
| Q1 2025 | $18.6M | 0.92% | 11.28% | 59.04% |
| Q2 2025 | $22.3M | 1.09% | 13.07% | 57.41% |
| Q3 2025 | $22.9M | 1.10% | 12.99% | 58.53% |
| Q4 2025 | -$31.6M | -1.50% | -16.71% | 55.41% |
| Q1 2026 | $28.6M | 1.33% | 14.33% | 54.37% |
| Q2 2026 | $31.8M | 1.47% | 15.72% | 51.50% |
| Q3 2026 | $31.3M | 1.42% | 15.56% | 52.03% |
Tompkins Bank & Trust income and expense, quarter by quarter
Income and Expense since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, 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)