| Metric | Tompkins State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.1 pts |
| Deposit growth (YoY) | +6.0% | +4.0% | +2.0 pts |
| Loan growth (YoY) | +8.6% | +5.6% | +3.0 pts |
| ROA | 0.98% | 1.24% | -0.3 pts |
| ROE | 10.5% | 11.9% | -1.4 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $303.5M | $274.3M | $168.1M | $28.6M | $1.5M | 0.98% | 3.56% | 0.40% |
| Q1 2026 | $304.9M | $275.6M | $164.5M | $28.7M | $787K | 1.03% | 3.55% | 0.50% |
| Q4 2025 | $305.2M | $276.1M | $170.5M | $28.5M | $2.8M | 0.94% | 3.55% | 0.36% |
| Q3 2025 | $302.4M | $273.0M | $160.2M | $27.7M | $2.2M | 1.01% | 3.53% | 0.36% |
| Q2 2025 | $287.6M | $258.7M | $154.8M | $24.4M | $1.4M | 0.97% | 3.52% | 0.51% |
| Q1 2025 | $299.6M | $270.0M | $154.8M | $24.2M | $734K | 1.00% | 3.51% | 0.14% |
| Q4 2024 | $286.3M | $257.2M | $152.8M | $23.7M | $2.7M | 0.91% | 3.43% | 0.13% |
| Q3 2024 | $290.6M | $257.1M | $154.2M | $26.1M | $2.6M | 1.16% | 3.40% | 0.20% |
Loan mix (Q2 2026): real estate $88.6M · commercial $33.1M · consumer $3.2M · securities $108.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Tompkins State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.24% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 11.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 62.9% | 66th |
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 State Bank | 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 State Bank | 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 State Bank | 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 State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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