| Metric | Tompkins Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +5.5% | -0.0 pts |
| Deposit growth (YoY) | +6.0% | +5.1% | +1.0 pts |
| Loan growth (YoY) | +7.0% | +5.9% | +1.0 pts |
| ROA | 1.38% | 1.26% | +0.1 pts |
| ROE | 15.0% | 12.2% | +2.9 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.79B | $7.17B | $6.54B | $815.8M | $60.4M | 1.38% | 3.53% | 0.60% |
| Q1 2026 | $8.70B | $7.25B | $6.42B | $802.3M | $28.6M | 1.31% | 3.50% | 0.59% |
| Q4 2025 | $8.68B | $7.13B | $6.43B | $792.0M | $32.3M | 0.39% | 3.18% | 0.56% |
| Q3 2025 | $8.43B | $7.10B | $6.23B | $718.9M | $63.9M | 1.03% | 3.10% | 0.63% |
| Q2 2025 | $8.34B | $6.76B | $6.11B | $693.9M | $40.9M | 1.00% | 3.03% | 0.63% |
| Q1 2025 | $8.16B | $6.79B | $6.01B | $674.0M | $18.6M | 0.92% | 2.97% | 0.87% |
| Q4 2024 | $8.07B | $6.51B | $5.96B | $644.0M | $72.5M | 0.92% | 2.85% | 0.81% |
| Q3 2024 | $7.97B | $6.62B | $5.83B | $652.3M | $51.4M | 0.88% | 2.81% | 0.79% |
Loan mix (Q2 2026): real estate $5.42B · commercial $871.6M · consumer $81.9M · securities $1.71B
| Ratio | Tompkins Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.26% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 12.2% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.1% | 59.0% | 33rd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Tompkins Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Tompkins Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Tompkins Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Tompkins Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Tompkins Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
59 branches in 18 counties across 2 states (-1 vs 2024) · $6.76B branch deposits. Biggest market: Tompkins, NY, ranked 1st with 45.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tompkins, NY | 9 | $1.68B | 45.12% | 1st |
| Berks, PA | 12 | $1.11B | 4.52% | 5th |
| Putnam, NY | 4 | $612.6M | 22.69% | 1st |
| 15 more counties with Pro → | ||||
New York: 44th with 0.19% · Pennsylvania: 49th with 0.26% · Ithaca metro: 1st, 45.12% · Reading metro: 5th, 4.52% ·
Branch count: 2022 68 · 2023 64 · 2024 60 · 2025 59