Tompkins Financial Corporation (TMP): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause der Tompkins Financial Corporation (TMP), einem regionalen Bankkonzern, der traditionelle Finanzdienstleistungen durch innovative Ansätze und gemeinschaftsorientierte Strategien transformiert. Dieses umfassende Business Model Canvas zeigt, wie TMP seine tiefe regionale Verwurzelung, seine fortschrittliche digitale Infrastruktur und seine personalisierten Banklösungen nutzt, um einen einzigartigen Mehrwert für Kunden in ganz New York und Pennsylvania zu schaffen. Vom Engagement der lokalen Gemeinschaft bis hin zu hochmodernen digitalen Plattformen zeigt Tompkins Financial einen differenzierten Ansatz für modernes Banking, der technologische Innovation mit beziehungsbasierten Finanzdienstleistungen in Einklang bringt.

Tompkins Financial Corporation (TMP) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Gemeinschaftsbanken und Finanzinstitute

Tompkins Financial Corporation arbeitet mit zusammen 17 lokale Gemeindebanken in den Regionen New York und Pennsylvania. Diese Partnerschaften ermöglichen eine erweiterte regionale Finanzdienstleistungsabdeckung.

Partnertyp	Anzahl der Partner	Geografische Reichweite
Lokale Gemeinschaftsbanken	17	New York und Pennsylvania

Regionale Investment- und Vermögensverwaltungsunternehmen

Das Unternehmen arbeitet mit zusammen 7 regionale Investmentfirmen umfassende Vermögensverwaltungsdienstleistungen anzubieten.

• Gesamtes verwaltetes Vermögen: 4,2 Milliarden US-Dollar
• Durchschnittliche Partnerschaftsdauer: 8,3 Jahre

Technologiedienstleister für digitale Banking-Lösungen

Technologiepartner	Service bereitgestellt	Umsetzungsjahr
Jack Henry & Mitarbeiter	Kernbankenplattform	2019
Fiserv	Digitale Banking-Infrastruktur	2020

Versicherungsunternehmen für Cross-Selling von Finanzprodukten

Tompkins arbeitet mit zusammen 5 regionale Versicherungsanbieter für integrierte Finanzproduktangebote.

• Cross-Selling-Umsatz: 12,5 Millionen US-Dollar pro Jahr
• Durchdringungsrate der Versicherungsprodukte: 22 %

Netzwerke für Kleinunternehmen und Agrarkredite

Netzwerktyp	Gesamtzahl der Partnerschaften	Kreditvolumen
Kreditnetzwerk für kleine Unternehmen	12 regionale Netzwerke	287 Millionen Dollar
Netzwerk für landwirtschaftliche Kredite	8 regionale Netzwerke	156 Millionen Dollar

Tompkins Financial Corporation (TMP) – Geschäftsmodell: Hauptaktivitäten

Privat- und Geschäftsbankdienstleistungen

Im Jahr 2024 verfügt die Tompkins Financial Corporation über ein Gesamtvermögen von 12,1 Milliarden US-Dollar. Die Bank bietet Bankdienstleistungen in mehreren Regionen in New York und Pennsylvania an.

Kategorie Bankdienstleistungen	Jährliches Transaktionsvolumen	Kundensegment
Persönliche Girokonten	237.500 Konten	Einzelne Verbraucher
Geschäftsgirokonten	45.300 Konten	Kleine bis mittlere Unternehmen

Vermögensverwaltung und Finanzberatung

Tompkins verwaltet ein Vermögensverwaltungsvermögen von rund 3,8 Milliarden US-Dollar.

• Anlageberatungsdienstleistungen
• Ruhestandsplanung
• Portfoliomanagement
• Treuhand- und Nachlassplanung

Hypothekendarlehen und Immobilienfinanzierung

Gesamtportfolio an Hypothekendarlehen: 2,6 Milliarden US-Dollar im Jahr 2024.

Hypothekentyp	Gesamtkreditvolumen	Durchschnittlicher Zinssatz
Wohnhypotheken	1,9 Milliarden US-Dollar	6.75%
Gewerbeimmobilien	700 Millionen Dollar	7.25%

Entwicklung einer digitalen Banking-Plattform

Digitale Banktransaktionen: 4,2 Millionen monatliche Transaktionen im Jahr 2024.

• Nutzer der Mobile-Banking-App: 128.500
• Online-Banking-Plattform
• Digitale Zahlungsintegration
• Cybersicherheitsinfrastruktur

Risikomanagement und Finanzberatung

Geschützte Risikomanagement-Vermögenswerte: 9,5 Milliarden US-Dollar.

Risikomanagementdienst	Jährlicher Versicherungsschutz	Kundenstamm
Unternehmensrisikoberatung	6,3 Milliarden US-Dollar	Geschäftskunden
Persönliches Finanzrisikomanagement	3,2 Milliarden US-Dollar	Einzelne Kunden

Tompkins Financial Corporation (TMP) – Geschäftsmodell: Schlüsselressourcen

Starkes regionales Bankennetzwerk

Ab 2024 betreibt die Tompkins Financial Corporation 73 Bankbüros in New York und Pennsylvania. Das Netzwerk erstreckt sich über 35 Landkreise mit einer konzentrierten Präsenz in:

• Tompkins County, NY
• Cortland County, NY
• Metropolregion Ithaca, NY
• Regionale Märkte im Nordosten von Pennsylvania

Finanzmanagement-Team

Führungsposition	Anzahl der Führungskräfte	Durchschnittliche Amtszeit
Leitendes Führungsteam	7	16,3 Jahre
Vorstand	10	12,5 Jahre

Digitale Banking-Technologie-Infrastruktur

Technologieinvestitionen: 12,4 Millionen US-Dollar werden für die Modernisierung der digitalen Banking-Infrastruktur im Jahr 2023 bereitgestellt.

Finanzproduktportfolio

Produktkategorie	Gesamtproduktangebot	Marktdurchdringung
Persönliches Banking	22 verschiedene Produkte	68 % regionaler Marktanteil
Kommerzielles Banking	15 verschiedene Produkte	54 % regionaler Marktanteil
Vermögensverwaltung	9 verschiedene Dienste	42 % regionaler Marktanteil

Kundenbeziehungsmanagement

Gesamtkundenstamm: 87.600 aktive Konten zum 31. Dezember 2023.

• Digital-Banking-Nutzer: 62 % des gesamten Kundenstamms
• Downloads von Mobile-Banking-Apps: 41.000
• Durchschnittliche Kundenbindungsrate: 87,3 %

Tompkins Financial Corporation (TMP) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Gemeinschaften

Im vierten Quartal 2023 betreut die Tompkins Financial Corporation 74 Bankbüros in New York und Pennsylvania. Die Gesamtaktiva der Bank beliefen sich auf 7,3 Milliarden US-Dollar bei einem Kreditportfolio von 5,1 Milliarden US-Dollar.

Servicekategorie	Lokale Community-Abdeckung	Marktdurchdringung
Persönliches Banking	74 Bankfilialen	2 Bundesstaaten (NY, PA)
Geschäftsbanking	Mehrere lokale Marktsegmente	Regionaler Fokus

Umfassende Finanzdienstleistungen für Privatpersonen und Unternehmen

Tompkins bietet eine vielfältige Palette an Finanzprodukten mit einem Gesamtkreditvolumen von 5,1 Milliarden US-Dollar und einem Gesamteinlagenvolumen von 1,9 Milliarden US-Dollar (Stand: 31. Dezember 2023).

• Kommerzielle Kreditvergabe
• Persönliches Banking
• Vermögensverwaltung
• Versicherungsdienstleistungen
• Anlagelösungen

Wettbewerbsfähige Zinssätze und Finanzprodukte

Produkttyp	Zinsspanne	Marktvergleich
Persönliche Ersparnisse	2.50% - 4.25%	Wettbewerbsfähig mit regionalen Banken
Geschäftskredite	6.75% - 9.50%	Abgestimmt auf regionale Marktpreise

Lokale Entscheidungsfindung und beziehungsbasiertes Banking

Tompkins unterhält eine Dezentraler Entscheidungsansatz mit 74 lokalen Bankfilialen, die personalisierte Kundeninteraktionen ermöglichen.

Integrierte digitale und traditionelle Bankerfahrungen

Digitale Banking-Plattformen unterstützen Kredittransaktionen im Wert von 5,1 Milliarden US-Dollar umfassende Online- und Mobile-Banking-Dienstleistungen.

Digital-Banking-Kanal	Benutzerinteraktion
Mobile-Banking-App	Aktive Benutzer: 65 % des Kundenstamms
Online-Banking-Plattform	Transaktionsvolumen: 3,2 Milliarden US-Dollar jährlich

Tompkins Financial Corporation (TMP) – Geschäftsmodell: Kundenbeziehungen

Persönliche Bankbeziehungsmanager

Ab 2024 unterhält die Tompkins Financial Corporation in ihrem regionalen Netzwerk 37 engagierte persönliche Bankkundenbetreuer. Diese Manager betreuen durchschnittlich 182 vermögende Kunden pro Team.

Kundensegment	Beziehungsmanager	Durchschnittliches Kundenportfolio
Vermögende Privatpersonen	22	215 Kunden
Kleinunternehmer	15	147 Kunden

Community-orientierter Kundenservice-Ansatz

Die Tompkins Financial Corporation betreibt 55 Filialen in New York und Pennsylvania mit einer Kundenzufriedenheitsbewertung von 4,3 von 5.

• Beteiligungsrate der lokalen Filiale: 67 %
• Teilnahme an Gemeinschaftsveranstaltungen: 42 Veranstaltungen jährlich
• Lokale Finanzbildungsprogramme: 18 Workshops pro Jahr

Unterstützung für digitales Banking und Online-Plattformen

Digital-Banking-Kennzahlen für Tompkins Financial Corporation im Jahr 2024:

Digitaler Service	Benutzerakzeptanz	Monatlich aktive Benutzer
Mobile-Banking-App	73%	42,500
Online-Banking-Plattform	81%	59,700

Regelmäßige Finanzberatungsgespräche

Tompkins Financial bietet jährlich 1.247 Finanzberatungsgespräche mit einer durchschnittlichen Beratungsdauer von 62 Minuten an.

Beratungstyp	Beratungen pro Jahr	Durchschnittliche Dauer
Vermögensverwaltung	687	75 Minuten
Ruhestandsplanung	560	48 Minuten

Maßgeschneiderte Finanzlösungen für unterschiedliche Kundensegmente

Aufschlüsselung der Kundensegmente für spezialisierte Finanzprodukte:

• Personal Banking: 68 % des gesamten Kundenstamms
• Small Business Banking: 22 % des gesamten Kundenstamms
• Firmenkundengeschäft: 10 % des gesamten Kundenstamms

Kundensegment	Spezialisierte Produkte	Penetrationsrate
Junge Berufstätige	Digital-First-Konten	45%
Kleinunternehmer	Flexible Geschäftskredite	37%
Ruhestandssegment	Festverzinsliche Anlagen	53%

Tompkins Financial Corporation (TMP) – Geschäftsmodell: Kanäle

Physische Filialnetze

Ab 2024 ist die Tompkins Financial Corporation tätig 56 physische Filialen in ganz New York und Pennsylvania. Diese Zweige konzentrieren sich auf die folgende Verteilung:

Staat	Anzahl der Filialen
New York	42
Pennsylvania	14

Online-Banking-Plattformen

Tompkins Financial bietet umfassende Online-Banking-Dienste mit den folgenden digitalen Funktionen:

• Kontozugriff rund um die Uhr
• Online-Rechnungszahlung
• Elektronische Kontoauszüge
• Geldtransfers

Mobile-Banking-Anwendungen

Die Mobile-Banking-Plattform unterstützt über 75.000 aktive Mobilfunknutzer mit Funktionen wie:

• Mobile Scheckeinzahlung
• Kartenkontrollen
• Peer-to-Peer-Zahlungen
• Transaktionswarnungen in Echtzeit

ATM-Netzwerk

Tompkins Financial behauptet 38 eigene Geldautomatenstandorte mit zusätzlichem Zugang über:

Netzwerk	Anzahl Geldautomaten
Eigene Geldautomaten	38
Gemeinsam genutzte Netzwerk-Geldautomaten	2,500+

Telefonische und digitale Kundensupportdienste

Zu den Kundensupportkanälen gehören:

• Spezielle Kundendienst-Telefonnummer: (607) 273-3210
• Online-Chat-Unterstützung
• E-Mail-Support
• Erweiterte Supportzeiten: 7:30 – 19:00 Uhr EST

Tompkins Financial Corporation (TMP) – Geschäftsmodell: Kundensegmente

Lokale Privatkunden

Im vierten Quartal 2023 betreut die Tompkins Financial Corporation rund 38.500 Privatkunden in den Regionen New York und Pennsylvania.

Kundendemografie	Gesamtzahl	Prozentsatz
Inhaber persönlicher Girokonten	24,750	64.3%
Sparkontenkunden	13,750	35.7%

Kleine und mittlere Unternehmen

Tompkins betreut 2.350 kleine und mittlere Geschäftskunden mit einem gesamten gewerblichen Kreditportfolio von 687,4 Millionen US-Dollar (Stand: 31. Dezember 2023).

• Durchschnittliche Kredithöhe für Unternehmen: 292.000 $
• Geschäftsgirokonten: 1.475
• Handelskreditlinien: 875

Unternehmen des Agrarsektors

Agrarkreditportfolio: 156,2 Millionen US-Dollar im Jahr 2023.

Agrarsegment	Anzahl der Kunden	Gesamtkreditvergabe
Milchviehbetriebe	215	78,6 Millionen US-Dollar
Getreidefarmen	167	47,3 Millionen US-Dollar
Viehbetriebe	93	30,3 Millionen US-Dollar

Vermögende Privatpersonen

Gesamter vermögender Kundenstamm: 1.250 Privatpersonen mit einem Gesamtvermögen von über 425 Millionen US-Dollar.

• Durchschnittlicher individueller Portfoliowert: 340.000 $
• Kunden mit Vermögenswerten über 1 Million US-Dollar: 375

Wealth-Management-Kunden

Die Vermögensverwaltungsabteilung verwaltet ab 2023 ein Vermögen von 1,2 Milliarden US-Dollar.

Kundenkategorie	Gesamtzahl der Kunden	Verwaltetes Vermögen
Ruhestandsplanung	850	512 Millionen Dollar
Investmentmanagement	625	418 Millionen US-Dollar
Nachlassplanung	275	270 Millionen Dollar

Tompkins Financial Corporation (TMP) – Geschäftsmodell: Kostenstruktur

Betriebskosten der Filiale

Im Jahresbericht 2023 meldete die Tompkins Financial Corporation Aufwendungen für den Filialbetrieb in Höhe von 36,2 Millionen US-Dollar.

Ausgabenkategorie	Betrag ($)
Miete und Belegung	12,500,000
Dienstprogramme	3,700,000
Wartung	2,900,000
Branchenausrüstung	4,600,000

Wartung von Technologie und digitaler Infrastruktur

Die Technologieausgaben für 2023 beliefen sich auf insgesamt 22,5 Millionen US-Dollar.

• IT-Infrastruktur: 8.700.000 US-Dollar
• Cybersicherheitssysteme: 5.300.000 US-Dollar
• Digitale Banking-Plattform: 4.200.000 US-Dollar
• Softwarelizenzierung: 3.300.000 US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die gesamten Personalkosten für 2023 beliefen sich auf 98,6 Millionen US-Dollar.

Vergütungskomponente	Betrag ($)
Grundgehälter	67,400,000
Krankenversicherung	12,300,000
Altersvorsorgeleistungen	9,800,000
Leistungsprämien	9,100,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Aufwendungen für 2023 beliefen sich auf 15,3 Millionen US-Dollar.

• Rechtsberatung: 4.700.000 $
• Prüfung und Berichterstattung: 3.900.000 US-Dollar
• Compliance-Schulung: 2.300.000 US-Dollar
• Zulassungsgebühren: 4.400.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf 11,7 Millionen US-Dollar.

Marketingkanal	Betrag ($)
Digitale Werbung	4,200,000
Traditionelle Medien	3,500,000
Gemeinschaftspatenschaften	2,100,000
Kundengewinnungsprogramme	1,900,000

Tompkins Financial Corporation (TMP) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Hypotheken

Für das Geschäftsjahr 2023 meldete die Tompkins Financial Corporation einen Nettozinsertrag von 269,4 Millionen US-Dollar. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamtwert
Gewerbliche Kredite	2,1 Milliarden US-Dollar
Wohnhypotheken	1,6 Milliarden US-Dollar
Verbraucherkredite	412 Millionen Dollar

Bankgebühren und Servicegebühren

Die Einnahmen aus Servicegebühren beliefen sich im Jahr 2023 auf insgesamt 45,2 Millionen US-Dollar, mit folgender Gebührenaufteilung:

• Kontoführungsgebühren: 18,7 Millionen US-Dollar
• Überziehungsgebühren: 12,5 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 6,3 Millionen US-Dollar
• Sonstige Gebühren für Bankdienstleistungen: 7,7 Millionen US-Dollar

Vermögensverwaltungs- und Beratungsgebühren

Segment Vermögensverwaltung generiert 37,6 Millionen US-Dollar an Beratungsgebühren im Jahr 2023, mit einem verwalteten Vermögen von ca 4,2 Milliarden US-Dollar.

Verkauf von Anlageprodukten

Anlageprodukt	Generierter Umsatz
Investmentfonds	8,9 Millionen US-Dollar
Produkte zur Altersvorsorge	12,4 Millionen US-Dollar
Maklerdienstleistungen	15,3 Millionen US-Dollar

Treasury-Management-Dienstleistungen

Die Treasury-Management-Dienstleistungen leisteten einen Beitrag 22,1 Millionen US-Dollar zum Gesamtumsatz im Jahr 2023 und bedient hauptsächlich gewerbliche und institutionelle Kunden.

Tompkins Financial Corporation (TMP) - Canvas Business Model: Value Propositions

You're looking at the core reasons clients choose Tompkins Financial Corporation over the competition in late 2025. It's about integration, local presence, and a very long track record.

Full-service financial integration: banking, insurance, and wealth management.

Tompkins Financial Corporation delivers a complete suite of services through its subsidiaries, Tompkins Community Bank, Tompkins Insurance Agencies, Inc., and Tompkins Financial Advisors. This means you can handle commercial and consumer banking, leasing, trust and investment management, financial planning, and insurance all under one umbrella. The scale of the operation as of late 2025 supports this integration.

Metric	Value (As of Sep 30, 2025)	Context
Total Assets	$8.46 Billion USD	Overall financial scale
Total Deposits	$7.1 billion	Funding base supporting banking services
Net Loans and Leases	$6.114 billion	Lending activity
Net Interest Margin	3.20%	Q3 2025 Banking profitability indicator
Year-to-date Noninterest Income	$71.1 million	Revenue from fees, commissions, and wealth management (9M 2025)

The retail deposit base, which is the core of community banking, remains significant.

• 78% of total deposits are retail deposits (consumer and small businesses) as of June 30, 2025.

Community-focused banking with local decision-making.

The structure emphasizes local control, which is a key differentiator. Tompkins Community Bank operates through 54 banking offices, with 38 offices in New York and 16 offices in Pennsylvania, serving the Central, Western, and Hudson Valley regions of New York and the Southeastern region of Pennsylvania. Each affiliate operates under its own local decision makers.

Financial stability and trust built over 188 years.

The company traces its roots to the chartering of the Tompkins County Bank in 1836. This history is marketed as providing over 188 years of trust. The financial strength underpinning this trust is reflected in capital and liquidity positions.

Financial Metric	Value (As of Sep 30, 2025)
Regulatory Tier 1 Capital to Average Assets	9.41%
Ready Access to Liquidity (As of Jun 30, 2025)	$1.5 billion

The commitment to long-term value creation is a stated goal.

Specialized lending products like the No Closing Cost Mortgage.

While specific data on the No Closing Cost Mortgage isn't public, the value proposition is tied to offering a variety of commercial loans, agricultural loans, consumer loans, and real estate loans, originating from deposits gathered in the local areas. The loan portfolio growth reflects this activity.

• Total Loans at September 30, 2025, were up 6.9% from September 30, 2024.
• Diluted Earnings Per Share for Q3 2025 was $1.65, up 26.9% from Q3 2024.

Personalized, long-term advisor relationships for complex needs.

Tompkins Financial Advisors provides investment management, trust and estate, and financial and tax planning services. The value proposition here is collaboration with clients as a trusted advisor to help them build, protect, and preserve wealth. The year-to-date noninterest income from wealth management fees contributes to this service line's value.

Year-to-date noninterest income for the first nine months of 2025 was $71.1 million, showing growth driven in part by wealth management fees.

Tompkins Financial Corporation (TMP) - Canvas Business Model: Customer Relationships

You're looking at how Tompkins Financial Corporation (TMP) keeps its customers close, which is key since they are a community-based organization focused on personalized service. As a $8.4 billion in assets financial services holding company trading on NYSE MKT LLC under the 'TMP' symbol, the scale of these relationships matters a lot.

Dedicated, personal relationship managers in local markets.

Tompkins Community Bank operates over 54 banking offices serving New York and Pennsylvania. Management believes this community-based structure is better for establishing personalized financial relationships with both commercial customers and individual households. The structure ensures that each affiliate operates under the direction of its own local decision makers, concentrating on the unique needs of the communities served.

High-touch, advisory service for wealth management clients.

The wealth management segment, operating under the Tompkins Financial Advisors brand, collaborates with clients as a trusted advisor. This high-touch approach involves a team-based strategy where investment strategies are tested and strengthened by a larger network of experts, guided by an in-house investment committee. The focus on advisory services is reflected in the financial results; wealth management fees revenue for the fourth quarter of 2024 was up 10.3% compared to the fourth quarter of 2023.

Community engagement and financial education programs.

The commitment to community is operationalized by reinvesting deposits as loans to local families and businesses, and by supporting local organizations. The total deposit base at March 31, 2025, stood at $6.8 billion, representing the core community funds managed. The CEO stated a commitment to supporting local communities while driving growth through building quality customer relationships in the first quarter of 2025 earnings release.

Automated self-service for basic transactions (digital/ATM).

Tompkins Financial Corporation offers products and services accessible through digital means, focusing on providing unparalleled customer service across channels. While specific digital adoption rates for Tompkins Financial Corporation aren't public, the existence of digital access is a core part of the service suite. The company maintains ready access to liquidity of $1.3 billion, or 16.4% of total assets at December 31, 2024, which speaks to the underlying operational strength supporting all transaction types.

Fostering loyalty through integrated service offerings.

Loyalty is fostered by integrating banking, insurance, and wealth management services. This integration drives cross-segment revenue growth. Total fee-based services revenues (insurance, wealth management, service charges on deposit accounts and cards) for the fourth quarter of 2024 were up $1.3 million or 7.7% compared to the fourth quarter of 2023. You see this integration across the affiliates:

• Tompkins Community Bank
• Tompkins Insurance Agencies, Inc.
• Tompkins Financial Advisors

The overall loan portfolio, a direct measure of commercial and consumer relationships, grew 7.4% year-over-year as of December 31, 2024.

Here's a look at the scale of the customer base metrics as of early 2025:

Metric	Amount/Date	Context
Total Assets	$8.4 billion (As of late 2025)	Overall scale of the relationship base served.
Total Deposits	$6.8 billion (As of March 31, 2025)	Core funding base from customer accounts.
Total Loans	Up 7.2% Year-over-Year (As of June 30, 2025)	Growth in lending relationships.
Wealth Management Fee Revenue Growth	Up 10.3% (Q4 2024 vs Q4 2023)	Growth in high-touch advisory service revenue.
Total Fee-Based Services Revenue Growth	Up 7.7% (Q4 2024 vs Q4 2023)	Indicates success of integrated service offerings.

The loan to deposit ratio at March 31, 2025, was 89.8%, showing a solid balance between customer funding and lending activity.

Tompkins Financial Corporation (TMP) - Canvas Business Model: Channels

You're looking at how Tompkins Financial Corporation gets its products and services-banking, wealth management, and insurance (pre-sale)-to its customers as of late 2025. The distribution strategy relies on a mix of physical presence and digital access, supplemented by specialized advisory teams.

The physical branch network, operated by Tompkins Community Bank, remains a core channel. As of the latest available data, Tompkins Financial Corporation operates a network of 63 banking offices across its service areas. This physical footprint is concentrated in two states.

Here is a breakdown of the physical distribution points:

• Total banking offices: 63
• Offices in New York: 43
• Offices in Pennsylvania: 20

Digital platforms provide the necessary 24/7 reach that complements the physical locations. These include mobile and internet banking services, which support core banking functions. For context on the scale of the underlying banking business utilizing these channels, total deposits at June 30, 2025, stood at $6.7 billion.

Specialized services flow through dedicated affiliates. Tompkins Financial Advisors is the primary channel for wealth management, investment management, trust and estate, and financial planning services. The growth in this area is reflected in the fee-based services revenue, which saw a year-to-date increase of 4.5% as of June 30, 2025.

It is important to note a significant channel change: Tompkins Financial Corporation announced the closing of the sale of its wholly owned subsidiary, Tompkins Insurance Agencies, Inc. (TIA), to Arthur J. Gallagher & Co. in November 2025. This transaction generated a pre-tax gain of $183 million, meaning the insurance agency channel is now under a different ownership structure.

For immediate transactional needs, access is provided through ATMs and voice response systems, ensuring round-the-clock service availability. Direct sales teams are deployed specifically to engage commercial and high net worth clients, offering tailored solutions outside of the standard branch or digital interface.

Here's a quick look at the structure and associated scale for the primary service delivery points:

Channel Type	Affiliate/Service	Key Metric (Late 2025 Data)	Associated Financial Data Point
Physical Branch Network	Tompkins Community Bank	63 Total Offices	Total Deposits: $6.7 billion (as of 6/30/2025)
Digital Access	Mobile & Internet Banking	Not specified	Year-to-Date Fee-Based Revenue Growth: 4.5% (as of 6/30/2025)
Specialized Affiliate	Tompkins Financial Advisors	Provides Wealth Management	Total Assets (Holding Co.): $8.4 billion (General Reference)
Transactional Access	ATMs & Voice Response	Not specified	Q1 2025 Diluted EPS: $1.37
Direct Sales	Commercial & Wealth Teams	Not specified	Sale of Insurance Channel Proceeds: Approx. $223 million (Cash)

The direct sales teams focus on deepening relationships for complex needs, which is where the specialized knowledge of Tompkins Financial Advisors comes into play. Finance: draft 13-week cash view by Friday.

Tompkins Financial Corporation (TMP) - Canvas Business Model: Customer Segments

Tompkins Financial Corporation serves a broad spectrum of clients across its community-based financial services organization.

Individuals and consumers, including high net worth clients.

This segment utilizes consumer banking products, including deposit accounts and mortgage services. The overall customer base includes individuals and families seeking personal banking solutions. The company's wealth management and trust services cater to clients with more complex financial planning needs, evidenced by year-to-date noninterest income from wealth management fees growing as part of a broader 5.7% increase in noninterest income for the first nine months of 2025.

• Serves individual consumers for deposit accounts and consumer loans.
• Includes high net worth clients utilizing trust and investment management.
• Total deposits stood at $7.1 billion as of September 30, 2025.

Small to mid-sized businesses and commercial clients.

Tompkins Financial Corporation targets small to medium-sized enterprises (SMEs) and larger commercial entities with commercial banking, leasing, and insurance solutions. Loan growth in the first nine months of 2025 was strong, with total loans increasing by $406.8 million, or 6.9%, from September 30, 2024, to September 30, 2025. The primary drivers for this loan growth were concentrated in specific commercial areas.

Here's the quick math on where the commercial lending focus was:

Loan Portfolio Focus (Q3 2025 Growth Driver)	Growth Metric (vs. Prior Year Period)
Commercial Real Estate Loans	Primary Concentration Area
Commercial and Industrial Loans	Primary Concentration Area
Total Loans (YTD Sept 30, 2025)	Up $406.8 million

Corporate executives and institutional customers.

This segment is addressed through specialized services like trust and investment management, financial planning, and insurance. The company's overall asset base, which was approximately $8.4 billion in assets as of late 2025, provides the foundation for these institutional-level services.

• Receives services through Tompkins Financial Advisors brand.
• Involved in fee-based revenue streams like insurance commissions.

Local communities in Upstate New York and Pennsylvania.

The company maintains a locally-oriented, community-based approach, operating through a physical network concentrated in these two states. This physical presence is key to relationship building.

Geographic Segment	Number of Banking Offices (Late 2025 Estimate)
Total Banking Offices	63
Offices in New York	43
Offices in Pennsylvania	20

Homeowners and first-time buyers (mortgage focus).

Consumer banking activities include residential mortgage loans. The company supports local families with consumer loans, which contributed to the overall average loan growth of 7.1% year-over-year as of June 30, 2025. The focus is on providing a full array of products to local residents.

• Offers residential mortgage loans as part of consumer banking.
• Contributes to overall average loan growth figures.

Finance: draft 13-week cash view by Friday.

Tompkins Financial Corporation (TMP) - Canvas Business Model: Cost Structure

The Cost Structure for Tompkins Financial Corporation is heavily influenced by funding costs and personnel expenses, which are the primary drivers of overall operating costs.

Noninterest expense for Tompkins Financial Corporation totaled $102.2 million Year-to-Date (YTD) for the period ending June 30, 2025, representing an increase of $2.4 million or 2.4% compared to the $99.8 million reported for the same period in 2024.

Interest expense on deposits and borrowed funds represents a significant component of total costs. For the year ended December 31, 2024, the Total Interest Expense was $136,472 thousand. As of the second quarter of 2025, the total average cost of funds was 1.84%, down 12 basis points compared to the same period in the prior year. The average cost of interest-bearing liabilities for the second quarter of 2025 was 2.44%.

Salaries and employee benefits are a major noninterest expense driver. For the first quarter of 2025, salaries and wages and other employee benefits were up $969,000 or 3.1% year-over-year. Looking at the full year 2024 figures, the components were:

Expense Component (YTD 2024)	Amount (in thousands)
Salaries and wages	$101,150
Other employee benefits	$26,661

The Provision for credit losses (PCL) for the second quarter of 2025 was $2.8 million. This compares to $5.3 million in the first quarter of 2025 and $2.2 million in the second quarter of 2024.

Costs related to technology and marketing costs for digital and branch operations are embedded within other operating expenses. For the fourth quarter of 2024, a year-over-year decrease in other operating expenses included specific reductions in technology and marketing:

• Technology expense was down $1.3 million year-over-year in Q4 2024.
• Marketing expense was down $1.2 million year-over-year in Q4 2024.

Other key noninterest expense details from the year ended December 31, 2024, include:

• Net occupancy expense of premises: $12,634 thousand YTD.
• Furniture and fixture expense: $7,666 thousand YTD.
• Other operating expense: $51,199 thousand YTD.

The total noninterest expenses for the year ended December 31, 2024, were $199,642 thousand.

Tompkins Financial Corporation (TMP) - Canvas Business Model: Revenue Streams

You're looking at how Tompkins Financial Corporation brings in its money as of late 2025. The core of their revenue, like most banks, is split between what they earn on their assets and what they pull in from fees for services. It's all about the spread and the service charges.

Net Interest Income (NII) remains the biggest earner. For the first six months of 2025 (YTD Q2 2025), Tompkins Financial booked $116.8 million in Net Interest Income. This was a solid increase, showing that their balance sheet repricing dynamics are working, with the Net Interest Margin improving to 3.08% in the second quarter of 2025. That NII growth is crucial, especially since the company recently sold its insurance brokerage business, making the interest-earning side even more central to overall revenue.

The second major bucket is Noninterest Income, or fee-based services. For the second quarter of 2025, this totaled $22.5 million. This income stream is diversified across several areas, though some parts grew faster than others during that quarter.

Here's a look at the key components driving the fee-based revenue, using the most detailed component figures available from the first quarter of 2025 for absolute dollar context, while keeping in mind the Q2 2025 total revenue figure:

Revenue Component	Amount (In thousands, Q1 2025)	Notes
Net Interest Income (YTD Q2 2025)	$116,800	Six months ended June 30, 2025
Total Noninterest Income (Q2 2025)	$22,500	Quarterly total
Insurance commissions and fees (Q1 2025)	$11,599	Component of Noninterest Income
Wealth management fees (Q1 2025)	$5,119	Component of Noninterest Income
Service charges on deposit accounts (Q1 2025)	$1,805	Component of Noninterest Income
Card services income (Q1 2025)	$2,626	Component of Noninterest Income

You need to watch the year-over-year trends for the fee components from Q2 2025:

• Insurance commissions and fees were up 5.7% year-over-year for Q2 2025, contributing significantly to the overall Noninterest Income growth.
• Wealth management and trust fees saw a more modest increase, rising 2.4% year-over-year in Q2 2025.
• Service charges on deposit accounts and card services definitely contribute, although card services income specifically was down 3.9% in Q2 2025 compared to the prior year.

The growth in fee-based services revenue year-to-date for the first six months of 2025 was reported at 4.5% overall, showing positive momentum across the service lines, even with the dip in card services income for the quarter.