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Tompkins Bank & Trust
Ithaca, NY · FDIC Certificate #609 · Chartered 01/0
Total assets
$8.79B
Total deposits
$7.17B
Total equity
$815.83M
Net loans
$6.54B
Branches (offices)
59
Net income (YTD)
$60.36M
Rank: #185 of 4,213 U.S. banks by assets · #20 of 115 in New York. Assets changed 5.4% and deposits 6.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.38% |
| Return on equity | 15.03% |
| Net interest margin (YTD) | 3.53% |
| Equity to assets | 9.28% |
| Tier 1 leverage ratio | 9.11% |
| Uninsured deposits (share of deposits) | 41.3% |
| Noncurrent loans (share of loans) | 0.80% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 91.2% |
| Real estate loans (share of loans) | 82.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $5.42B | 82.9% | |
| Commercial & industrial | $871.61M | 13.3% | |
| Consumer / individual | $81.95M | 1.3% | |
| Construction & development | $489.78M | 7.5% | |
| Agricultural | $117.96M | 1.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $7.79B | $6.80B | $43.94M | $554.80M |
| Jun 2023 | $7.59B | $6.50B | $30.07M | $562.77M |
| Jun 2024 | $7.83B | $6.32B | $33.44M | $611.98M |
| Jun 2025 | $8.34B | $6.76B | $40.93M | $693.94M |
| Jun 2026 | $8.79B | $7.17B | $60.36M | $815.83M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $5.46B | 41 |
| Pennsylvania | $1.71B | 18 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $7.17B.
Similar-sized banks
Salem Five Cents Savings Bank ($8.82B) · Wells Fargo National Bank West ($8.77B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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