Tompkins Bank & Trust: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
Tompkins Bank & Trust reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 5.22% in Q3 2026, up 0.30 percentage points from 4.92% in Q3 2025. Across the 12 quarters shown it ranged from 4.43% (Q4 2023) to 5.22% (Q3 2026).
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. Within New York, Tompkins Bank & Trust is 51st of 105 on net interest margin, 3.68% as of Q3 2026. The median for banks in the $1B-10B asset tier is 3.79% on net interest margin; Tompkins Bank & Trust reported 3.68% for Q3 2026, nearly level with it.
Asset yields
Yield on loans moved most in this table, up 0.12 points: 5.53% in Q2 2026, 5.65% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.22% |
| Yield on loans | 5.65% |
| Yield on securities | 3.56% |
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Funding costs
Cost of interest-bearing deposits moved most in this table, up 0.04 points: 2.06% in Q2 2026, 2.10% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.38% |
| Cost of interest-bearing deposits | 2.10% |
| Cost of interest-bearing liabilities | 2.20% |
| Cost of borrowings | 3.71% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.68% |
| Yield to cost spread | 3.02% |
Interest income and expense
Total interest expense moved most in this table, up 1.7%: $32.0M in Q2 2026, $32.5M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $93.6M |
| Total interest expense | $32.5M |
| Interest expense on deposits | $27.7M |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 4.43% | 1.30% | 2.90% | 5.09% | 2.42% |
| Q1 2024 | 4.44% | 1.48% | 2.71% | 5.10% | 2.37% |
| Q2 2024 | 4.53% | 1.59% | 2.71% | 5.19% | 2.36% |
| Q3 2024 | 4.68% | 1.64% | 2.80% | 5.35% | 2.36% |
| Q4 2024 | 4.69% | 1.54% | 2.94% | 5.33% | 2.36% |
| Q1 2025 | 4.62% | 1.48% | 2.93% | 5.23% | 2.38% |
| Q2 2025 | 4.77% | 1.50% | 3.07% | 5.38% | 2.50% |
| Q3 2025 | 4.92% | 1.51% | 3.21% | 5.55% | 2.60% |
| Q4 2025 | 5.01% | 1.41% | 3.44% | 5.52% | 3.05% |
| Q1 2026 | 5.02% | 1.33% | 3.52% | 5.42% | 3.49% |
| Q2 2026 | 5.11% | 1.37% | 3.57% | 5.53% | 3.51% |
| Q3 2026 | 5.22% | 1.38% | 3.68% | 5.65% | 3.56% |
Tompkins Bank & Trust yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, 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)