Bank Safety Analysis
Is Tompkins Bank & Trust Safe? Ithaca, New York
Based on its Q3 2026 call report, Tompkins Bank & Trust meets every capital ratio test for well capitalized, its Texas ratio is 6.78%, and its deposits are FDIC insured up to $250,000 per depositor.
BankRegReports is independent of Tompkins Bank & Trust and never asks for online banking logins or passwords.
Short answer: is Tompkins Bank & Trust safe?
On its Q3 2026 call report, Tompkins Bank & Trust's CET1 ratio is 11.96%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 11.96%
- Tier 1 leverage ratio (Q3 2026): 9.19%
- Texas ratio (Q3 2026): 6.78%
- Noncurrent loans ratio (Q3 2026): 0.79%
Tompkins Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #609). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Tompkins Bank & Trust (FDIC Certificate #609) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Get an email when Tompkins Bank & Trust files its next quarter, so you can check this answer again. Free account, no card.
Tompkins Bank & Trust passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: commercial real estate to capital.
In Q3 2026, net interest margin edged up by 0.11 percentage points, from 3.57% to 3.68%, the largest move among the key lines here. Tompkins Bank & Trust ranks 71st of 81 New York banks on CET1 ratio, in the lower half at 11.96% (Q3 2026). The median for banks in the $1B-10B asset tier is 13.60% on CET1 ratio. Tompkins Bank & Trust sits 1.64 points lower, at 11.96% (Q3 2026).
From Q4 2023 to Q3 2026, Tompkins Bank & Trust's CET1 ratio ranged between 11.46% (Q4 2024) and 11.96% (Q3 2026) and its Texas ratio ranged between 6.06% (Q4 2025) and 10.59% (Q1 2024). Between Q3 2025 and Q3 2026, Tompkins Bank & Trust's CET1 ratio rose from 11.65% to 11.96%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.84% to 0.79%, Texas ratio fell from 7.32% to 6.78% and return on assets rose from 1.10% to 1.42%.
Of the 105 banks headquartered in New York, Tompkins Bank & Trust is the 16th largest by total assets at Q3 2026. 1-4 family residential loans are its largest loan category, $1.91B of $6.72B in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, Tompkins Bank & Trust's CET1 ratio of 11.96% is below the 13.60% median, Tier 1 leverage ratio of 9.19% is below the 10.54% median, nonperforming loans ratio of 0.79% is above the 0.54% median, Texas ratio of 6.78% is above the 3.95% median, and efficiency ratio of 52.03% is below the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Tompkins Bank & Trust's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Tompkins Bank & Trust score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 13.60%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does Tompkins Bank & Trust trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 11.96% | Within range |
| Texas ratio BankRegReports band | 6.78% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.79% | Within range |
| Uninsured deposit share BankRegReports band | 43.35% | Within range |
| Loan-to-deposit ratio BankRegReports band | 89.14% | Within range |
| Commercial real estate to capital supervisory threshold | 321.92% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 4.85% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 11.96% |
| Q2 2026 | 11.91% |
| Q1 2026 | 11.74% |
| Q4 2025 | 11.48% |
| Q3 2025 | 11.65% |
| Q2 2025 | 11.57% |
| Q1 2025 | 11.63% |
| Q4 2024 | 11.46% |
| Q3 2024 | 11.57% |
| Q2 2024 | 11.66% |
| Q1 2024 | 11.86% |
| Q4 2023 | 11.82% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 6.78% |
| Q2 2026 | 6.46% |
| Q1 2026 | 6.40% |
| Q4 2025 | 6.06% |
| Q3 2025 | 7.32% |
| Q2 2025 | 7.54% |
| Q1 2025 | 10.52% |
| Q4 2024 | 10.25% |
| Q3 2024 | 9.74% |
| Q2 2024 | 10.45% |
| Q1 2024 | 10.59% |
| Q4 2023 | 10.50% |
Loans by type, Q3 2026
- 1-4 family residential loans: $1.91B
- Non-owner-occupied commercial real estate loans: $1.49B
- Commercial and industrial loans: $886.5M
- Multifamily loans: $849.5M
- Owner-occupied commercial real estate loans: $603.9M
- Construction and land development loans: $441.7M
- Agricultural production loans: $122.1M
- Loans to states and political subdivisions: $92.1M
How have Tompkins Bank & Trust's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $8.97B | 11.96% | 9.19% | 0.79% | 6.78% | 52.03% |
| Jun 30, 2026 | $8.79B | 11.91% | 9.11% | 0.80% | 6.46% | 51.50% |
| Mar 31, 2026 | $8.70B | 11.74% | 8.98% | 0.79% | 6.40% | 54.37% |
| Dec 31, 2025 | $8.68B | 11.48% | 8.92% | 0.74% | 6.06% | 55.41% |
| Sep 30, 2025 | $8.43B | 11.65% | 8.92% | 0.84% | 7.32% | 58.53% |
| Jun 30, 2025 | $8.34B | 11.57% | 8.89% | 0.85% | 7.54% | 57.41% |
| Mar 31, 2025 | $8.16B | 11.63% | 8.84% | 1.17% | 10.52% | 59.04% |
| Dec 31, 2024 | $8.07B | 11.46% | 8.77% | 0.85% | 10.25% | 58.81% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Tompkins Bank & Trust FDIC insured?
Yes. Tompkins Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #609). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Tompkins Bank & Trust well capitalized?
On its Q3 2026 call report, Tompkins Bank & Trust's CET1 ratio is 11.96%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Tompkins Bank & Trust's key safety ratios?
For Q3 2026, Tompkins Bank & Trust reports CET1 11.96%, leverage 9.19%, Texas ratio 6.78%, noncurrent loans 0.79%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if Tompkins Bank & Trust fails?
For Q3 2026, Tompkins Bank & Trust reported $7.54B in total deposits, 43.35% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
Add this badge to your website
Free to use and updated each quarter. It states no rating or capital category.
Where does this data come from?
Not investment advice. See the full Tompkins Bank & Trust profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio Tompkins Bank & Trust is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 609) · FFIEC NIC profile (RSSD 433608)
Explore: Full Tompkins Bank & Trust profile · Other banks in NY · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.