Tompkins Financial Corporation (TMP): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumerja el plan estratégico de Tompkins Financial Corporation (TMP), una potencia bancaria regional que transforma los servicios financieros tradicionales a través de enfoques innovadores y estrategias impulsadas por la comunidad. Este lienzo de modelo comercial integral revela cómo TMP aprovecha sus raíces regionales profundas, infraestructura digital avanzada y soluciones bancarias personalizadas para crear un valor único para los clientes en Nueva York y Pensilvania. Desde la participación de la comunidad local hasta las plataformas digitales de vanguardia, Tompkins Financial demuestra un enfoque matizado para la banca moderna que equilibra la innovación tecnológica con los servicios financieros basados ​​en relaciones.

Tompkins Financial Corporation (TMP) - Modelo de negocio: asociaciones clave

Bancos comunitarios locales e instituciones financieras

Tompkins Financial Corporation se asocia con 17 bancos comunitarios locales en las regiones de Nueva York y Pensilvania. Estas asociaciones permiten una cobertura ampliada de servicio financiero regional.

Tipo de socio	Número de socios	Alcance geográfico
Bancos comunitarios locales	17	Nueva York y Pensilvania

Empresas regionales de inversión y gestión de patrimonio

La corporación colabora con 7 empresas de inversión regionales para proporcionar servicios integrales de gestión de patrimonio.

• Activos totales bajo administración: $ 4.2 mil millones
• Duración promedio de la asociación: 8.3 años

Proveedores de servicios de tecnología para soluciones de banca digital

Socio tecnológico	Servicio proporcionado	Año de implementación
Jack Henry & Asociado	Plataforma bancaria central	2019
Fiserv	Infraestructura bancaria digital	2020

Compañías de seguros para productos financieros de venta cruzada

Tompkins se asocia con 5 proveedores de seguros regionales para ofertas integradas de productos financieros.

• Ingresos de venta cruzada: $ 12.5 millones anuales
• Tasa de penetración del producto de seguro: 22%

Redes de préstamos agrícolas y pequeñas empresas

Tipo de red	Total de asociaciones	Volumen de préstamos
Red de préstamos para pequeñas empresas	12 redes regionales	$ 287 millones
Red de préstamos agrícolas	8 redes regionales	$ 156 millones

Tompkins Financial Corporation (TMP) - Modelo de negocio: actividades clave

Servicios de banca minorista y comercial

A partir de 2024, Tompkins Financial Corporation opera con $ 12.1 mil millones en activos totales. El banco ofrece servicios bancarios en múltiples regiones en Nueva York y Pensilvania.

Categoría de servicio bancario	Volumen de transacción anual	Segmento de clientes
Cuentas corrientes personales	237,500 cuentas	Consumidores individuales
Cuentas corrientes de negocios	45,300 cuentas	Empresas pequeñas a medianas

Gestión de patrimonio y asesoramiento financiero

Tompkins administra aproximadamente $ 3.8 mil millones en activos de gestión de patrimonio.

• Servicios de asesoramiento de inversiones
• Planificación de jubilación
• Gestión de cartera
• Planificación de confianza y patrimonio

Préstamos hipotecarios y financiamiento inmobiliario

Portafolio total de préstamos hipotecarios: $ 2.6 mil millones en 2024.

Tipo de hipoteca	Volumen total del préstamo	Tasa de interés promedio
Hipotecas residenciales	$ 1.9 mil millones	6.75%
Inmobiliario comercial	$ 700 millones	7.25%

Desarrollo de la plataforma de banca digital

Transacciones bancarias digitales: 4.2 millones de transacciones mensuales en 2024.

• Usuarios de la aplicación de banca móvil: 128,500
• Plataforma bancaria en línea
• Integración de pagos digitales
• Infraestructura de ciberseguridad

Gestión de riesgos y consultoría financiera

Activos de gestión de riesgos bajo protección: $ 9.5 mil millones.

Servicio de gestión de riesgos	Cobertura anual	Base de clientes
Consultoría de riesgos corporativos	$ 6.3 mil millones	Clientes comerciales
Gestión de riesgos financieros personales	$ 3.2 mil millones	Clientes individuales

Tompkins Financial Corporation (TMP) - Modelo de negocio: recursos clave

Red bancaria regional fuerte

A partir de 2024, Tompkins Financial Corporation opera 73 oficinas bancarias en Nueva York y Pensilvania. La red abarca 35 condados con una presencia concentrada en:

• Condado de Tompkins, NY
• Condado de Cortland, NY
• Ithaca, área metropolitana de NY
• Mercados regionales del noreste de Pensilvania

Equipo de gestión financiera

Posición de liderazgo	Número de ejecutivos	Tenencia promedio
Equipo ejecutivo senior	7	16.3 años
Junta Directiva	10	12.5 años

Infraestructura de tecnología de banca digital

Inversión tecnológica: $ 12.4 millones asignados para actualizaciones de infraestructura de banca digital en 2023.

Cartera de productos financieros

Categoría de productos	Ofertas de productos totales	Penetración del mercado
Banca personal	22 productos distintos	68% de participación en el mercado regional
Banca comercial	15 productos distintos	54% de participación en el mercado regional
Gestión de patrimonio	9 servicios distintos	42% de participación en el mercado regional

Gestión de la relación con el cliente

Base total de clientes: 87,600 cuentas activas al 31 de diciembre de 2023.

• Usuarios de banca digital: 62% de la base total de clientes
• Descargas de aplicaciones de banca móvil: 41,000
• Tasa promedio de retención de clientes: 87.3%

Tompkins Financial Corporation (TMP) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para comunidades locales

A partir del cuarto trimestre de 2023, Tompkins Financial Corporation atiende 74 oficinas bancarias en Nueva York y Pensilvania. Los activos totales del banco fueron de $ 7.3 mil millones con una cartera de préstamos de $ 5.1 mil millones.

Categoría de servicio	Cobertura de la comunidad local	Penetración del mercado
Banca personal	74 oficinas bancarias	2 estados (NY, PA)
Banca de negocios	Múltiples segmentos de mercado local	Enfoque regional

Servicios financieros integrales para individuos y empresas

Tompkins ofrece una amplia gama de productos financieros con $ 5.1 mil millones en préstamos totales y $ 1.9 mil millones en depósitos totales al 31 de diciembre de 2023.

• Préstamo comercial
• Banca personal
• Gestión de patrimonio
• Servicios de seguro
• Soluciones de inversión

Tasas de interés competitivas y productos financieros

Tipo de producto	Rango de tasas de interés	Comparación de mercado
Ahorros personales	2.50% - 4.25%	Competitivo con los bancos regionales
Préstamos comerciales	6.75% - 9.50%	Alineado con las tasas de mercado regionales

Toma de decisiones locales y banca basada en relaciones

Tompkins mantiene un Enfoque descentralizado de toma de decisiones con 74 oficinas bancarias locales que permiten interacciones personalizadas de los clientes.

Experiencias bancarias digitales y tradicionales integradas

Las plataformas de banca digital admiten $ 5.1 mil millones en transacciones de préstamos con Servicios integrales de banca en línea y móvil.

Canal bancario digital	Compromiso de usuario
Aplicación de banca móvil	Usuarios activos: 65% de la base de clientes
Plataforma bancaria en línea	Volumen de transacción: $ 3.2 mil millones anuales

Tompkins Financial Corporation (TMP) - Modelo de negocios: relaciones con los clientes

Gerentes de relaciones bancarias personales

A partir de 2024, Tompkins Financial Corporation mantiene 37 gerentes de relaciones bancarias personales dedicadas en su red regional. Estos gerentes atienden a un promedio de 182 clientes de alto valor de la red por equipo.

Segmento de clientes	Gerentes de relaciones	Cartera promedio de clientes
Individuos de alto nivel de red	22	215 clientes
Propietarios de pequeñas empresas	15	147 clientes

Enfoque de servicio al cliente centrado en la comunidad

Tompkins Financial Corporation opera 55 sucursales en Nueva York y Pensilvania, con una calificación de satisfacción del cliente de 4.3 de 5.

• Tasa de compromiso de la sucursal local: 67%
• Participación del evento comunitario: 42 eventos anualmente
• Programas de educación financiera local: 18 talleres por año

Soporte bancario digital y plataformas en línea

Métricas de banca digital para Tompkins Financial Corporation en 2024:

Servicio digital	Adopción de usuarios	Usuarios activos mensuales
Aplicación de banca móvil	73%	42,500
Plataforma bancaria en línea	81%	59,700

Consultas de asesoramiento financiero regular

Tompkins Financial ofrece 1,247 consultas de asesoramiento financiero anualmente, con una duración de consulta promedio de 62 minutos.

Tipo de asesoramiento	Consultas por año	Duración promedio
Gestión de patrimonio	687	75 minutos
Planificación de jubilación	560	48 minutos

Soluciones financieras personalizadas para diferentes segmentos de clientes

Desglose del segmento de clientes para productos financieros especializados:

• Banca personal: 68% de la base total de clientes
• Banca de pequeñas empresas: 22% de la base total de clientes
• Banca corporativa: 10% de la base total de clientes

Segmento de clientes	Productos especializados	Tasa de penetración
Jóvenes profesionales	Cuentas digitales	45%
Propietarios de pequeñas empresas	Préstamos comerciales flexibles	37%
Segmento de jubilación	Inversiones de renta fija	53%

Tompkins Financial Corporation (TMP) - Modelo de negocios: canales

Redes de sucursales físicas

A partir de 2024, Tompkins Financial Corporation opera 56 ubicaciones de ramas físicas en Nueva York y Pensilvania. Estas ramas se concentran en la siguiente distribución:

Estado	Número de ramas
Nueva York	42
Pensilvania	14

Plataformas de banca en línea

Tompkins Financial proporciona servicios de banca en línea integrales con las siguientes funciones digitales:

• Acceso de cuenta 24/7
• Pago de facturas en línea
• Declaraciones electrónicas
• Transferencias de fondos

Aplicaciones de banca móvil

La plataforma de banca móvil admite Más de 75,000 usuarios móviles activos con características que incluyen:

• Depósito de cheque móvil
• Controles de tarjetas
• Pagos de pares
• Alertas de transacciones en tiempo real

Red de cajeros automáticos

Tompkins Financial mantiene 38 ubicaciones de cajeros automáticos patentados con acceso adicional a través de:

Red	Número de cajeros automáticos
Cajeros automáticos	38
ATM de red compartidos	2,500+

Servicios de atención al cliente de teléfono y digital

Los canales de atención al cliente incluyen:

• Línea telefónica de servicio al cliente dedicado: (607) 273-3210
• Soporte de chat en línea
• Soporte por correo electrónico
• Horario de soporte extendido: 7:30 am - 7:00 pm EST

Tompkins Financial Corporation (TMP) - Modelo de negocios: segmentos de clientes

Clientes locales de banca minorista

A partir del cuarto trimestre de 2023, Tompkins Financial Corporation atiende a aproximadamente 38,500 clientes de banca minorista en las regiones de Nueva York y Pensilvania.

Demográfico del cliente	Número total	Porcentaje
Titulares de cuentas corrientes personales	24,750	64.3%
Clientes de cuentas de ahorro	13,750	35.7%

Pequeñas y medianas empresas

Tompkins atiende a 2,350 clientes comerciales pequeños y medianos con una cartera de préstamos comerciales totales de $ 687.4 millones al 31 de diciembre de 2023.

• Tamaño promedio del préstamo comercial: $ 292,000
• Cuentas corrientes de negocios: 1,475
• Líneas de crédito comercial: 875

Empresas del sector agrícola

Portafolio de préstamos agrícolas: $ 156.2 millones en 2023.

Segmento agrícola	Número de clientes	Préstamo total
Granjas lecheras	215	$ 78.6 millones
Granjas de cultivos	167	$ 47.3 millones
Operaciones ganaderas	93	$ 30.3 millones

Individuos de alto nivel de red

Base de clientes total de alto nivel de red: 1.250 individuos con activos combinados superiores a $ 425 millones.

• Valor de la cartera individual promedio: $ 340,000
• Clientes con activos superiores a $ 1 millón: 375

Clientes de gestión de patrimonio

La división de gestión de patrimonio administra $ 1.2 mil millones en activos a partir de 2023.

Categoría de cliente	Total de clientes	Activos bajo administración
Planificación de jubilación	850	$ 512 millones
Gestión de inversiones	625	$ 418 millones
Planificación patrimonial	275	$ 270 millones

Tompkins Financial Corporation (TMP) - Modelo de negocio: Estructura de costos

Gastos de operación de rama

A partir del informe anual de 2023, Tompkins Financial Corporation informó gastos de operación de sucursales de $ 36.2 millones.

Categoría de gastos	Monto ($)
Alquiler y ocupación	12,500,000
Utilidades	3,700,000
Mantenimiento	2,900,000
Equipo de rama	4,600,000

Tecnología y mantenimiento de infraestructura digital

Los gastos de tecnología para 2023 totalizaron $ 22.5 millones.

• Infraestructura: $ 8,700,000
• Sistemas de ciberseguridad: $ 5,300,000
• Plataforma de banca digital: $ 4,200,000
• Licencias de software: $ 3,300,000

Salarios y beneficios de los empleados

Los gastos totales de personal para 2023 fueron de $ 98.6 millones.

Componente de compensación	Monto ($)
Salarios base	67,400,000
Seguro médico	12,300,000
Beneficios de jubilación	9,800,000
Bonos de rendimiento	9,100,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento para 2023 ascendieron a $ 15.3 millones.

• Consultoría legal: $ 4,700,000
• Auditoría e informes: $ 3,900,000
• Capacitación de cumplimiento: $ 2,300,000
• Tarifas de presentación regulatoria: $ 4,400,000

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2023 fueron de $ 11.7 millones.

Canal de marketing	Monto ($)
Publicidad digital	4,200,000
Medios tradicionales	3,500,000
Patrocinios comunitarios	2,100,000
Programas de adquisición de clientes	1,900,000

Tompkins Financial Corporation (TMP) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos e hipotecas

Para el año fiscal 2023, Tompkins Financial Corporation informó ingresos por intereses netos de $ 269.4 millones. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Valor total
Préstamos comerciales	$ 2.1 mil millones
Hipotecas residenciales	$ 1.6 mil millones
Préstamos al consumo	$ 412 millones

Tarifas bancarias y cargos de servicio

Los ingresos por cargo de servicio para 2023 totalizaron $ 45.2 millones, con el siguiente desglose de tarifas:

• Tarifas de mantenimiento de la cuenta: $ 18.7 millones
• Tarifas de sobregiro: $ 12.5 millones
• Tarifas de transacción de cajeros automáticos: $ 6.3 millones
• Otros cargos de servicio bancario: $ 7.7 millones

Tarifas de gestión de patrimonio y asesoramiento

Segmento de gestión de patrimonio generado $ 37.6 millones en tarifas de asesoramiento durante 2023, con activos bajo la gerencia alcanzando $ 4.2 mil millones.

Ventas de productos de inversión

Producto de inversión	Ingresos generados
Fondos mutuos	$ 8.9 millones
Productos de planificación de jubilación	$ 12.4 millones
Servicios de corretaje	$ 15.3 millones

Servicios de gestión del tesoro

Servicios de gestión del tesoro contribuidos $ 22.1 millones a ingresos totales en 2023, sirviendo principalmente a clientes comerciales e institucionales.

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.