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Tompkins Community Bank
Ithaca, NY·FDIC Cert #609·Charter: STATE·Est. 19340101.0·HC: TOMPKINS FINANCIAL CORP
Total Assets
$8.7B
Q4 2025
Return on Assets
0.39%
-0.64%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.81%
Peer avg: 56.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
52
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.39%-0.64
ROE
4.59%-7.88
Efficiency
57.81%-0.80
Equity/Assets
0.00%+0.00
NPL Ratio
0.75%-0.11
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
90.16%+2.39
Charge-offs
0.17%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.9 | 0.9 | 0.9 | 0.9 | 1.0 | 1.0 | 0.4 |
| ROE | 11.1 | 11.0 | 11.1 | 11.6 | 11.3 | 12.2 | 12.5 | 4.6 |
| Efficiency | 65.2 | 64.7 | 64.0 | 62.7 | 59.4 | 58.6 | 58.6 | 57.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.1 | 1.1 | 1.1 | 0.9 | 1.2 | 0.9 | 0.9 | 0.7 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 86.3 | 90.3 | 88.1 | 91.6 | 88.4 | 90.5 | 87.8 | 90.2 |
Balance Sheet
Total Assets$8.7B
Total Deposits$7.1B
Total Loans$6.4B
Total Equity$792.0M
Profitability
ROA0.39%
ROE4.59%
Efficiency Ratio57.81%
Net Income$32.3M
Risk & Asset Quality
NPL Ratio0.75%
Charge-off Rate0.17%
Loan/Deposit90.16%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans