Tompkins Bank & Trust: Loan Modifications and Restructuring
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Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
Tompkins Bank & Trust reported all 8 line items on this page on its Q3 2026 filing. Modified loans and leases was $1.2M in Q3 2026, down 69.7% from $4.1M in Q3 2025. That is 0.0% of its total assets. Across the 12 quarters shown it ranged from $1.2M (Q3 2026) to $4.3M (Q4 2025).
Modified loans and leases dropped 68.0% in Q3 2026, from $3.9M to $1.2M. It was the largest change from Q2 2026 among the key lines here.
Modified loans
| Line item | Q3 2026 |
|---|---|
| Modified loans and leases | $1.2M |
| Modified loans to total loans | 0.02% |
| Nonperforming assets excluding restructured loans, to assets | 0.60% |
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Read against the nonperforming book
Net charge-off ratio changed the most here, down 0.03 points to 0.07% in Q3 2026 from 0.10% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to total loans | 0.79% |
| Nonaccrual loans to loans | 0.79% |
| Loans 90+ days past due to loans | 0.00% |
| Net charge-off ratio | 0.07% |
| Allowance for credit losses to loans | 0.90% |
Shown side by side so the modified share can be compared with recognized nonperforming loans and with what has already been charged off.
Loan Modifications and Restructuring trend
A modified share rising while the nonperforming share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Nonperforming loans | Net charge-offs |
|---|---|---|---|
| Q4 2023 | 0.06% | 1.11% | 0.03% |
| Q1 2024 | 0.06% | 1.11% | 0.02% |
| Q2 2024 | 0.06% | 1.08% | 0.04% |
| Q3 2024 | 0.07% | 1.06% | 0.06% |
| Q4 2024 | 0.07% | 0.85% | 0.06% |
| Q1 2025 | 0.07% | 1.17% | 0.05% |
| Q2 2025 | 0.07% | 0.85% | 0.34% |
| Q3 2025 | 0.07% | 0.84% | 0.07% |
| Q4 2025 | 0.07% | 0.74% | 0.21% |
| Q1 2026 | 0.06% | 0.79% | 0.05% |
| Q2 2026 | 0.06% | 0.80% | 0.10% |
| Q3 2026 | 0.02% | 0.79% | 0.07% |
Tompkins Bank & Trust loan modifications and restructuring, quarter by quarter
Loan Modifications and Restructuring since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-C Memoranda and RC-N, 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)