Tompkins Bank & Trust: Off-Balance-Sheet Exposure
BankRegReports is independent of Tompkins Bank & Trust and never asks for online banking logins or passwords.
Data as of · Call Report Schedules RC-L and RC-R How we update
Tompkins Bank & Trust reported all 9 line items on this page on its Q3 2026 filing. Unused home equity and credit card lines was $354.1M in Q3 2026, up 9.1% from $324.4M in Q3 2025. That is 3.9% of its total assets. Across the 12 quarters shown it ranged from $283.2M (Q4 2023) to $354.1M (Q3 2026).
Interest rate swaps, notional dropped 63.3% in Q3 2026, from $23.0M to $8.4M. It was the largest change from Q2 2026 among the key lines here.
Commitments
Letters of credit changed the most here, up 4.5% to $17.1M in Q3 2026 from $16.4M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Unused home equity and credit card lines | $354.1M |
| Letters of credit | $17.1M |
Get an email when Tompkins Bank & Trust files its next quarter, and see its off-balance-sheet exposure against peers in the terminal. Free account, no card.
Derivatives
| Line item | Q3 2026 |
|---|---|
| Total derivatives, notional | $504.2M |
| Interest rate swaps, notional | $8.4M |
| Foreign exchange derivatives, notional | $0 |
| Derivatives notional to total assets | 5.62% |
Notional value is the reference amount a contract is calculated on. It measures activity, not exposure: credit exposure is a small fraction of notional.
Trading positions
| Line item | Q3 2026 |
|---|---|
| Trading account assets | $0 |
| Trading liabilities | $0 |
| Trading assets to total assets | 0.00% |
Off-Balance-Sheet Exposure trend
Off-Balance-Sheet Exposure by quarter
| Quarter | Unused home equity and card lines | Letters of credit | Derivatives notional / assets |
|---|---|---|---|
| Q4 2023 | $283.2M | $9.8M | 2.83% |
| Q1 2024 | $290.4M | $14.0M | 3.45% |
| Q2 2024 | $297.7M | $15.2M | 3.82% |
| Q3 2024 | $300.7M | $15.5M | 5.68% |
| Q4 2024 | $305.6M | $18.0M | 6.35% |
| Q1 2025 | $314.6M | $18.2M | 6.41% |
| Q2 2025 | $328.1M | $15.6M | 6.09% |
| Q3 2025 | $324.4M | $15.2M | 6.80% |
| Q4 2025 | $332.1M | $15.3M | 6.46% |
| Q1 2026 | $342.6M | $16.4M | 6.52% |
| Q2 2026 | $352.6M | $16.4M | 6.39% |
| Q3 2026 | $354.1M | $17.1M | 5.62% |
Tompkins Bank & Trust off-balance-sheet exposure, quarter by quarter
Off-Balance-Sheet Exposure since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-L and RC-R, 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)