Tompkins Bank & Trust: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Tompkins Bank & Trust reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $6.72B in Q3 2026, up 6.9% from $6.29B in Q3 2025. That is 75.0% of its total assets. Across the 12 quarters shown it ranged from $5.61B (Q4 2023) to $6.72B (Q3 2026).
Loans held for sale dropped 78.0% in Q3 2026, from $4.3M to $950K. It was the largest change from Q2 2026 among the key lines here. Tompkins Bank & Trust ranks 40th of 105 New York banks on loan-to-deposit ratio, in the upper half at 89.14% (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.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $6.72B |
| Net loans and leases | $6.66B |
| Loans held for sale | $950K |
| Loans to total assets | 74.99% |
| Loan-to-deposit ratio | 89.14% |
| Net loans to equity capital | 8.40× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
Multifamily (5+ residential) changed the most here, up 0.87 points to 12.63% in Q3 2026 from 11.76% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.06% |
| Multifamily (5+ residential) | 12.63% |
| Commercial and industrial | 13.18% |
| Consumer | 1.21% |
| Credit cards | 0.00% |
| Farm | 3.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.37% |
Concentration measures
Largest change in this table: construction concentration (Tier 1 capital + allowance), down 6.98 points to 51.22% in Q3 2026 after 58.20% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 321.92% |
| Construction concentration (Tier 1 capital + allowance) | 51.22% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
Yield on loans changed the most here, up 0.12 points to 5.65% in Q3 2026 from 5.53% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 5.65% |
| Interest income on loans | $93.6M |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $5.61B | $6.42B | 33.18% | 9.29% | 1.72% |
| Q1 2024 | $5.64B | $6.48B | 32.80% | 9.18% | 1.72% |
| Q2 2024 | $5.76B | $6.32B | 32.89% | 9.74% | 1.76% |
| Q3 2024 | $5.88B | $6.62B | 33.22% | 9.75% | 1.67% |
| Q4 2024 | $6.02B | $6.51B | 32.94% | 10.31% | 1.57% |
| Q1 2025 | $6.07B | $6.79B | 32.70% | 10.87% | 1.46% |
| Q2 2025 | $6.17B | $6.76B | 33.38% | 11.12% | 1.40% |
| Q3 2025 | $6.29B | $7.10B | 32.76% | 11.66% | 1.38% |
| Q4 2025 | $6.49B | $7.13B | 31.98% | 11.93% | 1.29% |
| Q1 2026 | $6.48B | $7.25B | 31.93% | 12.14% | 1.26% |
| Q2 2026 | $6.60B | $7.17B | 30.87% | 13.21% | 1.24% |
| Q3 2026 | $6.72B | $7.54B | 31.06% | 13.18% | 1.21% |
Tompkins Bank & Trust loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, 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)