BlastPoint's Banking Scorecard

Tompkins Bank & Trust

$1B-$10B Specialty: Commercial NY FDIC cert 609

Ithaca, NY

59 branches across NY · PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
Deposits +6.0% year over year ($7.2B on the books).
Delinquency rate 0.80%.
Return on assets 1.38%.
Efficiency ratio 53.13% vs a 59.73% peer average.
Loan-to-deposit ratio 91.25% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 40 in NY

View $1B-$10B leaderboard (NY) →

Tompkins Bank & Trust has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 6.60% below tier average
+ Delinquency Rate 0.06% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 26.6% in tier
- Net Interest Margin 0.34% below tier average

Get updates when Tompkins Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$8.8B +5.4% YoY +1.1% QoQ	+$6.0B	$2.8B -0.6% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	Top 2.7% in tier
Total Loans ?	$6.5B +6.9% YoY +1.9% QoQ	+$4.6B	$2.0B -0.3% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	Top 2.4% in tier
Total Deposits ?	$7.2B +6.0% YoY -1.1% QoQ	+$4.8B	$2.3B -0.5% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	Top 2.7% in tier
Return on Assets ?	1.38% +38.5% YoY +5.3% QoQ	-0.01%	1.39% +17.0% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	62%
Net Interest Margin ?	3.53% +16.5% YoY +1.0% QoQ	-0.34%	3.87% +6.2% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	39%
Efficiency Ratio ?	53.13% -9.3% YoY -2.7% QoQ	-6.60%	59.73% -12.6% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	67%
Delinquency Rate ?	0.80% -6.4% YoY +0.4% QoQ	-0.06%	0.87% +11.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	35%
Loan-to-Deposit Ratio ?	91.25% +0.9% YoY +3.0% QoQ	+6.21%	85.04% -0.1% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	37%
Non-Interest-Bearing Deposit Share ?	28.85% +1.9% YoY +1.3% QoQ	+7.57%	21.27% -1.5% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	82%
Nonperforming Asset Ratio ?	0.60% -4.5% YoY +1.4% QoQ	-0.07%	0.67% +11.7% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	37%
Tier 1 Capital Ratio ?	11.91% +2.9% YoY +1.5% QoQ	-2.93%	14.84% -0.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.35% -8.4% YoY +107.0% QoQ	-0.18%	0.53% +2.5% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	62%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	28.8% +0.5pp YoY +0.4pp QoQ	+7.5pp	21.4%	22.1%	22.2%	82%
Brokered Deposits	2.4% +0.3pp YoY +0.8pp QoQ	-7.1pp	9.5%	8.0%	8.5%	30%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	13.3% +2.1pp YoY +1.1pp QoQ	-0.7pp	14.0%	11.0%	12.5%	61%
CRE	50.5% -0.2pp YoY -0.5pp QoQ	+0.5pp	50.0%	46.2%	41.4%	52%
1-4 Family	28.8% -1.5pp YoY -0.3pp QoQ	+2.3pp	26.4%	36.6%	31.3%	63%
Consumer	1.3% -0.2pp YoY 0.0pp QoQ	-3.5pp	4.7%	5.1%	5.0%	51%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	11.9% +0.3pp YoY +0.2pp QoQ	-3.7pp	15.6%	26.1%	19.7%	22%
Leverage Ratio	9.1% +0.2pp YoY +0.1pp QoQ	-2.2pp	11.3%	13.9%	12.6%	14%
Total Capital Ratio	12.8% +0.3pp YoY +0.2pp QoQ	-3.9pp	16.7%	27.2%	20.8%	18%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	829 -7 (-0.8%) YoY -3 (-0.4%) QoQ	+515	313	914	482	95%
Assets per Employee ($)	$10.6M +6.3% YoY +1.4% QoQ	+$122K	$10.5M	$14.8M	$8.8M	70%
Branch Count	59 0 YoY 0 QoQ	+39	20	27	18	96%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.1%	0.4%	14%
Nonaccrual	0.8% -0.1pp YoY 0.0pp QoQ	0.0pp	0.8%	1.3%	1.0%	66%
Allowance Coverage	1.11x -0.2% YoY -1.6% QoQ	-17.60x	18.71x	1.92x	20.23x	27%
Net Charge-off Rate (YTD)	0.1% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	61%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	15.0% +2.8pp YoY +0.7pp QoQ	+2.4pp	12.6%	7.9%	11.6%	74%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.4pp	1.9%	1.8%	1.7%	24%
Net Income ($, YTD)	$60.4M +47.5% YoY — QoQ	+$41.1M	$19.2M	$111.2M	$40.4M	96%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#97 of 361 • Bottom 26.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.25%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

Total Loans

size

Value: $6.54B

Peer Median: $1.96B

#22 of 885 Top 2.4% in $1B-$10B

Total Assets

size

Value: $8.79B

Peer Median: $2.79B

#25 of 885 Top 2.7% in $1B-$10B

Total Deposits

size

Value: $7.17B

Peer Median: $2.32B

#25 of 885 Top 2.7% in $1B-$10B

157

Non-Interest-Bearing Deposit Share

funding

Value: 28.85%

Peer Median: 21.27%

#157 of 885 Top 17.6% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available