Tompkins Bank & Trust: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
Tompkins Bank & Trust reported all 23 line items on this page on its Q3 2026 filing. CET1 capital ratio was 11.96% in Q3 2026, up 0.31 percentage points from 11.65% in Q3 2025. Across the 12 quarters shown it ranged from 11.46% (Q4 2024) to 11.96% (Q3 2026).
The standout move of Q3 2026 was in Loan-to-deposit ratio: 2.93 percentage points lower than in Q2 2026, at 89.14%. Within New York, Tompkins Bank & Trust is 24th of 105 on return on assets, 1.42% as of Q3 2026. Tompkins Bank & Trust reported 1.42% on return on assets for Q3 2026, 0.12 points above the 1.30% median for banks in the $1B-10B asset tier.
Capital adequacy
Largest change in this table: equity capital to assets, down 0.43 points to 8.85% in Q3 2026 after 9.28% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 11.96% |
| Tier 1 risk-based capital ratio | 11.96% |
| Total risk-based capital ratio | 12.88% |
| Tier 1 leverage ratio | 9.19% |
| Equity capital to assets | 8.85% |
| Tangible equity to tangible assets | 8.19% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
Reserve coverage of nonperforming loans changed the most here, up 1.83 points to 113.12% in Q3 2026 from 111.29% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.79% |
| Nonperforming assets ratio | 0.60% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 6.78% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of nonperforming loans | 113.12% |
Earnings
Net interest margin moved most in this table, up 0.11 points: 3.57% in Q2 2026, 3.68% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 15.56% |
| Net interest margin | 3.68% |
| Efficiency ratio | 52.03% |
| Yield on earning assets | 5.22% |
| Cost of funds | 1.38% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 89.14% |
| Core deposits to total deposits | 91.34% |
| Brokered deposits to total deposits | 1.86% |
| Deposits to assets | 84.13% |
| Securities to assets | 18.41% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 11.82% | 11.82% | 12.81% | 8.65% | 0.72% |
| Q1 2024 | 11.86% | 11.86% | 12.85% | 8.65% | 0.85% |
| Q2 2024 | 11.66% | 11.66% | 12.65% | 8.71% | 0.84% |
| Q3 2024 | 11.57% | 11.57% | 12.56% | 8.70% | 0.90% |
| Q4 2024 | 11.46% | 11.46% | 12.41% | 8.77% | 1.05% |
| Q1 2025 | 11.63% | 11.63% | 12.65% | 8.84% | 0.92% |
| Q2 2025 | 11.57% | 11.57% | 12.53% | 8.89% | 1.09% |
| Q3 2025 | 11.65% | 11.65% | 12.63% | 8.92% | 1.10% |
| Q4 2025 | 11.48% | 11.48% | 12.39% | 8.92% | -1.50% |
| Q1 2026 | 11.74% | 11.74% | 12.66% | 8.98% | 1.33% |
| Q2 2026 | 11.91% | 11.91% | 12.82% | 9.11% | 1.47% |
| Q3 2026 | 11.96% | 11.96% | 12.88% | 9.19% | 1.42% |
Tompkins Bank & Trust vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)