Tompkins State Bank
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Data as of · sourced from FFIEC call reports. How we update
Tompkins State Bank is an FDIC-insured commercial bank headquartered in Avon, IL, established in 1913 (FDIC certificate 10849), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $303.5M, up 5.5% from Q2 2025, the 154th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 14.96% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10849
- Headquarters
- Avon, IL
- Established
- 1913
- Total assets, Q2 2026
- $303.5M
- Assets vs Q2 2025
- +5.5%
- CET1 ratio, Q2 2026
- 14.96%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 071109202
- Holding company
- TOMPKINS BANCORP, INC.
- Asset rank in state
- 154th of 319 in Illinois
Tompkins State Bank, based in Avon, Illinois, reported $303 million in assets at June 30, 2026, up 5.5% from a year earlier. It holds commercial real estate loans equal to only 38% of its capital, about a third the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.20% of loans from 0.71%. Paper losses on its bond portfolio are shrinking: unrealized losses of $4.6 million equal 15% of Tier 1 capital, down from 25% a year earlier.
As of June 30, 2026, Tompkins State Bank reported a CET1 capital ratio of 14.96%, a return on assets of 0.93%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 4.65%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Tompkins State Bank is the 154th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.5% to $303.5M, loans rose 2.1% and deposits fell 0.5%. Its loan book on June 30, 2026 was led by agricultural production loans, at 25.7% of total loans, followed by farmland and other real estate loans at 20.2%. Its 4 offices in the FDIC Summary of Deposits are in Galesburg, IL, Abingdon, IL and Avon, IL; its Galesburg 2 offices book 60% of its branch deposits. Judged on its Q2 2026 call report, Tompkins State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 117 S Main St, Avon, IL 61415
- County
- Fulton
- Metro Area
- Canton, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1913
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 57
- Domestic deposits
- $274.3M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $78K
- Average total assets
- $304.4M
- Average total loans
- $167.2M
- Average interest-bearing deposits
- $214.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10849
- Fed RSSD
- 609832
- Website
- www.tompkinsstatebank.com →
- Parent Holding Company
- TOMPKINS BANCORP, INC. (RSSD 1491388)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Tompkins State Bank's total assets ran between $286.3M (Q4 2024) and $305.2M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$303.5M total assets against $287.6M; $274.9M total liabilities against $263.2M.
$168.1M net loans and leases against $154.8M; $274.3M total deposits against $258.7M.
$108.6M securities against $106.7M; $9.8M cash and balances due against $9.3M.
$3.5M total interest income against $3.4M; $1.0M total interest expense against $1.0M.
$2.5M net interest income against $2.4M.
$279K total noninterest income against $264K; $2.0M total noninterest expense against $1.9M.
$0 provision for credit losses against $0.
$709K net income against $675K.
0.93% return on assets against 0.92%; 3.64% net interest margin against 3.56%.
14.96% CET1 capital ratio against 14.86%; 9.82% tier 1 leverage ratio against 9.64%.
Inside the full Tompkins State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTompkins State Bank rankings
Its closest position to the top of a national ranking is 1,426 of 3,640, for Texas Ratio; its furthest is 2,753 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.11% (Q4 2024) to 1.20% (Q3 2024) and its net interest margin ran from 3.46% (Q3 2024) to 3.68% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.96% | 0.93% | 0.20% | 4.65% | 3.64% |
| Q1 2026 | 14.86% | 1.03% | 0.92% | 5.73% | 3.64% |
| Q4 2025 | 14.57% | 0.73% | 0.64% | 4.15% | 3.68% |
| Q3 2025 | 13.57% | 1.08% | 0.67% | 4.24% | 3.63% |
| Q2 2025 | 14.86% | 0.92% | 0.71% | 6.61% | 3.56% |
| Q1 2025 | 13.34% | 0.99% | 0.04% | 1.87% | 3.53% |
| Q4 2024 | 14.70% | 0.11% | 0.02% | 1.78% | 3.58% |
| Q3 2024 | 13.32% | 1.20% | 0.14% | 2.44% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Galesburg Branch | Galesburg , IL | 61401 | $105.2M |
| Abingdon Branch | Abingdon , IL | 61410 | $63.2M |
| Knoxville Branch | Galesburg , IL | 61401 | $58.7M |
| Tompkins State Bank (main office) | Avon , IL | 61415 | $47.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 6, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 6, 2008 | Structure Change | Acquired Community Bank of Galesburg Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 173 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 57 applications, 50 loans originated, $3.0M originated, across 3 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Tompkins State Bank
What are Tompkins State Bank's total assets?
As of the Q2 2026 filing, Tompkins State Bank reported total assets of $303.5 million in its FFIEC call report.
Where is Tompkins State Bank headquartered?
It is headquartered in Avon, IL, United States.
When was Tompkins State Bank founded?
It was established in 1913, per the FDIC institution directory.
Is Tompkins State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10849). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Tompkins State Bank?
Tompkins State Bank's primary federal regulator is the FDIC.
What is Tompkins State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.96% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Tompkins State Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Tompkins State Bank's Texas Ratio?
Its Texas Ratio is 4.65% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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