Tompkins Bank & Trust
Ithaca, New York, Tompkins County
$8.8B in total assets, the 190th largest of 4,309 US banks and 23rd of 126 headquartered in New York.
- FDIC certificate
- 609
- Established
- 1934
- Owned by
- Tompkins Financial Corp
- Primary regulator
- FDIC
- Website
- www.tompkinsbank.com
At a glance
Compared with 44 banks headquartered in New York with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $8.8B | 96% | $2.4B | |
| Loans | $6.6B | 98% | $1.9B | |
| Deposits | $7.2B | 96% | $2.0B | |
| Return on assets | 0.60% | 15% | 1.06% | |
| Net interest margin | 3.53% | 52% | 3.49% | |
| Efficiency ratio | 53.1% | 28% | 59.5% | |
| Equity to assets | 9.28% | 28% | 10.05% | |
| Loans to deposits | 92% | 63% | 86% |
Growth
Total assets grew 28.7% a year over the last 5 years and 16.9% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2022 | Mahopac Bank Mahopac, NY, an affiliate under the same holding company | $1.6B |
| Jan 2022 | VIST Bank Wyomissing, PA, an affiliate under the same holding company | $1.9B |
| Jan 2022 | The Bank of Castile Castile, NY, an affiliate under the same holding company | $1.9B |
Where they operate
59 branches in 18 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Tompkins County, NY | $1.8B | 63.1% | 1 of 11 |
| Berks County, PA | $1.2B | 5.1% | 5 of 19 |
| Putnam County, NY | $639M | 23.4% | 1 of 9 |
| Westchester County, NY | $499M | 0.2% | 20 of 31 |
| Wyoming County, NY | $482M | 36.7% | 2 of 5 |
| Genesee County, NY | $418M | 34.5% | 1 of 7 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 46 branches since 2016 (13 to 59, +353.8%). 2 opened, 55 acquired, 11 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 13 | |||
| 2016 | Opened Fayetteville | 1 | 0 | +1 | 14 |
| 2021 | Closed Odessa | 0 | 1 | −1 | 13 |
| 2022 | Acquired 3 banksClosed 4 in 2 states | 55 | 4 | +51 | 64 |
| 2023 | Opened SyracuseClosed 4 in 2 states | 1 | 4 | −3 | 61 |
| 2024 | Closed Brewster | 0 | 1 | −1 | 60 |
| 2025 | Closed Blue Bell | 0 | 1 | −1 | 59 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 31% | 27% | |
| 1-4 family residential | 29% | 25% | |
| Business (C&I) | 13% | 20% | |
| Multifamily | 12% | 12% | |
| Construction and land | 7% | 5% | |
| Farmland | 4% | 0% | |
| Agricultural | 2% | 0% | |
| Consumer | 1% | 5% | |
| Other | 2% | 6% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 53% | 54% | |
| Noninterest-bearing | 29% | 19% | |
| Time deposits | 18% | 28% |
Brokered deposits are 2.4% of deposits (peers 3.9%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.79% | 0.62% |
| Net charge-offs, annualized | 0.07% | 0.03% |
| Reserves to loans | 0.89% | 1.00% |
| Leverage ratio | 9.11% | 10.24% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in New York
Largest competitors in Tompkins County, NY
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/tompkins-bank-trust-ithaca-ny