Tompkins Bank & Trust: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
Tompkins Bank & Trust reported all 15 line items on this page on its Q3 2026 filing. Cash and balances due from depository institutions was $242.2M in Q3 2026, up 25.3% from $193.3M in Q3 2025. That is 2.7% of its total assets. Across the 12 quarters shown it ranged from $57.0M (Q1 2024) to $242.2M (Q3 2026).
The standout move of Q3 2026 was in Cash and balances due from depository institutions: 63.9% higher than in Q2 2026, at $242.2M. Within New York, Tompkins Bank & Trust is 40th of 105 on loan-to-deposit ratio, 89.14% as of Q3 2026. The median for banks in the $1B-10B asset tier is 88.13% on loan-to-deposit ratio; Tompkins Bank & Trust reported 89.14% for Q3 2026, nearly level with it.
Liquid assets
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $242.2M |
| Cash and noninterest-bearing balances to assets | 2.70% |
| Cash and securities | $1.89B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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Borrowed funds
Largest change in this table: fed funds purchased and repos, down 26.3% to $133.9M in Q3 2026 after $181.7M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $133.9M |
| Other borrowed money | $406.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.54% |
| Trading liabilities | $0 |
Funding structure
Loans and leases to core deposits moved most in this table, down 3.67 points: 99.31% in Q2 2026, 95.64% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 89.14% |
| Net loans and leases to deposits | 88.34% |
| Loans and leases to core deposits | 95.64% |
| Core deposits to total deposits | 91.34% |
| Brokered deposits to total deposits | 1.86% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 87.27% | 93.48% | $51.0M | $602.1M |
| Q1 2024 | 87.10% | 92.98% | $43.7M | $522.6M |
| Q2 2024 | 91.12% | 93.81% | $36.0M | $773.6M |
| Q3 2024 | 88.89% | 93.07% | $67.5M | $539.3M |
| Q4 2024 | 92.46% | 92.87% | $37.0M | $790.2M |
| Q1 2025 | 89.33% | 91.66% | $123.0M | $493.2M |
| Q2 2025 | 91.32% | 91.13% | $127.1M | $672.6M |
| Q3 2025 | 88.62% | 91.30% | $80.8M | $444.9M |
| Q4 2025 | 90.97% | 90.71% | $95.6M | $564.4M |
| Q1 2026 | 89.40% | 90.79% | $118.1M | $449.4M |
| Q2 2026 | 92.06% | 90.34% | $181.7M | $546.4M |
| Q3 2026 | 89.14% | 91.34% | $133.9M | $406.7M |
Tompkins Bank & Trust liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, 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)