$6.48B
+6.8%y/y
Percentile by value91st percentileby value
FDIC
LNLSGRTC
Tompkins Community Bank
Ithaca, New YorkFDIC Cert #609
STATEEstablished 193459 branches
Holding company: TOMPKINS FINANCIAL CORPRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $591M |
| Investor CRE | $1.48B |
| Multifamily | $702M |
| Construction | $507M |
| 1–4 family | $1.86B |
| C&I | $787M |
| Agriculture | $343M |
| Other | $209M |
Loan book
Reported balances and balance-sheet intensity.
$6.42B
+6.9%y/y
Percentile by value91st percentileby value
FDIC
LNLSNET+6.90%
−7.5%y/y
Percentile by value53rd percentileby value
FDIC
LNLSNET88.6%
+0.2%y/y
Percentile by value51st percentileby value
FDIC
LNLSNET + DEP73.8%
+0.3%y/y
Percentile by value50th percentileby value
FDIC
LNLSNET + ASSET86.49%
−0.8%y/y
Percentile by value64th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
326%
+3.8%y/y
Percentile by value85th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC62%
+15.9%y/y
Percentile by value74th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,785points
−3.3%y/y
Peer standing68th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD9.13%
−6.8%y/y
Percentile by value40th percentileby value
FDIC
LNRENROW + LNLSGR22.80%
−0.5%y/y
Percentile by value62nd percentileby value
FDIC
LNRENROT + LNLSGR12.14%
+11.7%y/y
Percentile by value51st percentileby value
FDIC
LNCI + LNLSGR