Tompkins Financial Corporation (TMP): Business Model Canvas [Jan-2025 Mis à jour]

Plongez dans le plan stratégique de Tompkins Financial Corporation (TMP), une puissance bancaire régionale qui transforme les services financiers traditionnels à travers des approches innovantes et des stratégies axées sur la communauté. Cette toile complète du modèle commercial révèle comment TMP exploite ses racines régionales profondes, ses infrastructures numériques avancées et ses solutions bancaires personnalisées pour créer une valeur unique pour les clients de New York et de Pennsylvanie. De l'engagement communautaire local aux plateformes numériques de pointe, Tompkins Financial démontre une approche nuancée de la banque moderne qui équilibre l'innovation technologique avec les services financiers basés sur les relations.

Tompkins Financial Corporation (TMP) - Modèle d'entreprise: partenariats clés

Banques communautaires locales et institutions financières

Tompkins Financial Corporation s'associe à 17 banques communautaires locales Dans les régions de New York et de Pennsylvanie. Ces partenariats permettent une couverture élargie des services financiers régionaux.

Type de partenaire	Nombre de partenaires	Portée géographique
Banques communautaires locales	17	New York et Pennsylvanie

Sociétés d'investissement régional et de gestion de la patrimoine

La société collabore avec 7 entreprises d'investissement régionales pour fournir des services complets de gestion de patrimoine.

• Total des actifs sous gestion: 4,2 milliards de dollars
• Durée du partenariat moyen: 8,3 ans

Fournisseurs de services technologiques pour les solutions bancaires numériques

Partenaire technologique	Service fourni	Année de mise en œuvre
Jack Henry & Associés	Plateforme bancaire de base	2019
Finerv	Infrastructure bancaire numérique	2020

Compagnies d'assurance pour les produits financiers à vente croisée

Tompkins s'associe à 5 assureurs régionaux pour les offres de produits financiers intégrés.

• Revenus de vente croisée: 12,5 millions de dollars par an
• Taux de pénétration des produits d'assurance: 22%

Réseaux de prêts aux petites entreprises et agricoles

Type de réseau	Partenariats totaux	Volume de prêt
Réseau de prêts aux petites entreprises	12 réseaux régionaux	287 millions de dollars
Réseau de prêts agricoles	8 réseaux régionaux	156 millions de dollars

Tompkins Financial Corporation (TMP) - Modèle d'entreprise: activités clés

Services de vente au détail et commerciaux

En 2024, Tompkins Financial Corporation opère avec 12,1 milliards de dollars d'actifs totaux. La banque fournit des services bancaires dans plusieurs régions à New York et en Pennsylvanie.

Catégorie de service bancaire	Volume de transaction annuel	Segment de clientèle
Comptes de chèques personnels	237 500 comptes	Consommateurs individuels
Comptes de chèques d'entreprise	45 300 comptes	Petites et moyennes entreprises

Gestion de la patrimoine et avis financier

Tompkins gère environ 3,8 milliards de dollars d'actifs de gestion de patrimoine.

• Services de conseil en investissement
• Planification de la retraite
• Gestion du portefeuille
• Confiance et planification successorale

Prêts hypothécaires et financement immobilier

Portfolio total de prêts hypothécaires: 2,6 milliards de dollars en 2024.

Type hypothécaire	Volume total des prêts	Taux d'intérêt moyen
Hypothèques résidentielles	1,9 milliard de dollars	6.75%
Immobilier commercial	700 millions de dollars	7.25%

Développement de la plate-forme bancaire numérique

Transactions bancaires numériques: 4,2 millions de transactions mensuelles en 2024.

• Utilisateurs d'applications bancaires mobiles: 128 500
• Plateforme bancaire en ligne
• Intégration de paiement numérique
• Infrastructure de cybersécurité

Gestion des risques et conseil financier

Actifs de gestion des risques sous protection: 9,5 milliards de dollars.

Service de gestion des risques	Couverture annuelle	Clientèle
Conseil des risques d'entreprise	6,3 milliards de dollars	Clients commerciaux
Gestion des risques financiers personnels	3,2 milliards de dollars	Clients individuels

Tompkins Financial Corporation (TMP) - Modèle d'entreprise: Ressources clés

Réseau bancaire régional solide

En 2024, Tompkins Financial Corporation exploite 73 bureaux bancaires à New York et en Pennsylvanie. Le réseau s'étend sur 35 comtés avec une présence concentrée dans:

• Comté de Tompkins, NY
• Comté de Cortland, NY
• Ithaca, NY Metropolitan Area
• Marchés régionaux du nord-est de la Pennsylvanie

Équipe de gestion financière

Poste de direction	Nombre de cadres	Tenure moyenne
Équipe de direction	7	16,3 ans
Conseil d'administration	10	12,5 ans

Infrastructure de technologie bancaire numérique

Investissement technologique: 12,4 millions de dollars alloués aux mises à niveau des infrastructures bancaires numériques en 2023.

Portefeuille de produits financiers

Catégorie de produits	Offres totales de produits	Pénétration du marché
Banque personnelle	22 produits distincts	Part de marché régional de 68%
Banque commerciale	15 produits distincts	54% de part de marché régional
Gestion de la richesse	9 services distincts	Part de marché régional de 42%

Gestion de la relation client

Base de clientèle totale: 87 600 comptes actifs au 31 décembre 2023.

• Utilisateurs de la banque numérique: 62% de la base client totale
• Téléchargements d'applications bancaires mobiles: 41 000
• Taux de rétention de clientèle moyen: 87,3%

Tompkins Financial Corporation (TMP) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les communautés locales

Au quatrième trimestre 2023, Tompkins Financial Corporation dessert 74 bureaux bancaires à New York et en Pennsylvanie. L'actif total de la banque était de 7,3 milliards de dollars avec un portefeuille de prêts de 5,1 milliards de dollars.

Catégorie de service	Couverture communautaire locale	Pénétration du marché
Banque personnelle	74 bureaux bancaires	2 États (NY, PA)
Banque d'affaires	Plusieurs segments de marché locaux	Concentration régionale

Services financiers complets pour les particuliers et les entreprises

Tompkins propose une gamme diversifiée de produits financiers avec 5,1 milliards de dollars de prêts totaux et 1,9 milliard de dollars de dépôts totaux au 31 décembre 2023.

• Prêts commerciaux
• Banque personnelle
• Gestion de la richesse
• Services d'assurance
• Solutions d'investissement

Taux d'intérêt concurrentiels et produits financiers

Type de produit	Fourchette de taux d'intérêt	Comparaison du marché
Économies personnelles	2.50% - 4.25%	Compétitif avec les banques régionales
Prêts commerciaux	6.75% - 9.50%	Aligné avec les taux régionaux du marché

Prise de décision locale et banque basée sur les relations

Tompkins maintient un Approche de prise de décision décentralisée avec 74 bureaux bancaires locaux permettant les interactions personnalisées des clients.

Expériences bancaires numériques et traditionnelles intégrées

Les plates-formes bancaires numériques prennent en charge 5,1 milliards de dollars de transactions de prêt avec services bancaires en ligne et mobiles complets.

Canal bancaire numérique	Engagement des utilisateurs
Application bancaire mobile	Utilisateurs actifs: 65% de la clientèle
Plateforme bancaire en ligne	Volume de transaction: 3,2 milliards de dollars par an

Tompkins Financial Corporation (TMP) - Modèle d'entreprise: relations avec les clients

Gestionnaires de relations bancaires personnelles

En 2024, Tompkins Financial Corporation conserve 37 gestionnaires de relations bancaires personnels dédiés à travers son réseau régional. Ces gestionnaires desservent en moyenne 182 clients à haute teneur en nouant par équipe.

Segment de clientèle	Gestionnaires de relations	Portefeuille de clients moyens
Individus à haute nette	22	215 clients
Propriétaires de petites entreprises	15	147 clients

Approche de service client axé sur la communauté

Tompkins Financial Corporation exploite 55 succursales à New York et en Pennsylvanie, avec une note de satisfaction du client de 4,3 sur 5.

• Taux d'engagement des succursales locales: 67%
• Participation des événements communautaires: 42 événements par an
• Programmes d'éducation financière locaux: 18 ateliers par an

Support bancaire numérique et plateformes en ligne

Métriques bancaires numériques pour Tompkins Financial Corporation en 2024:

Service numérique	Adoption des utilisateurs	Utilisateurs actifs mensuels
Application bancaire mobile	73%	42,500
Plateforme bancaire en ligne	81%	59,700

Consultations de conseil financier régulières

Tompkins Financial fournit chaque année 1 247 consultations de conseil financier, avec une durée de consultation moyenne de 62 minutes.

Type de conseil	Consultations par an	Durée moyenne
Gestion de la richesse	687	75 minutes
Planification de la retraite	560	48 minutes

Solutions financières sur mesure pour différents segments de clients

Répartition du segment des clients pour les produits financiers spécialisés:

• Banque personnelle: 68% du total de la clientèle
• Banque des petites entreprises: 22% de la clientèle totale
• Banque d'entreprise: 10% du total de la clientèle

Segment de clientèle	Produits spécialisés	Taux de pénétration
Jeunes professionnels	Comptes numériques d'abord	45%
Propriétaires de petites entreprises	Prêts commerciaux flexibles	37%
Segment de la retraite	Investissements à revenu fixe	53%

Tompkins Financial Corporation (TMP) - Modèle d'entreprise: canaux

Réseaux de succursale physiques

Depuis 2024, Tompkins Financial Corporation opère 56 Emplacements de succursales physiques à travers New York et la Pennsylvanie. Ces branches sont concentrées dans la distribution suivante:

État	Nombre de branches
New York	42
Pennsylvanie	14

Plateformes bancaires en ligne

Tompkins Financial fournit des services bancaires en ligne complets avec les fonctionnalités numériques suivantes:

• Accès du compte 24/7
• Paiement de facture en ligne
• Déclarations électroniques
• Transferts de fonds

Applications bancaires mobiles

La plateforme bancaire mobile prend en charge Plus de 75 000 utilisateurs mobiles actifs avec des fonctionnalités comprenant:

• Dépôt de chèques mobiles
• Commandes de carte
• Paiements de pairs
• Alertes de transaction en temps réel

Réseau ATM

Tompkins Financial maintient 38 emplacements de GAM propriétaires avec un accès supplémentaire à:

Réseau	Nombre de distributeurs automatiques de billets
MAT propriétaires	38
ATM du réseau partagé	2,500+

Services de support client téléphonique et numérique

Les canaux de support client comprennent:

• Ligne téléphonique de service client dédié: (607) 273-3210
• Assistance de chat en ligne
• Assistance par e-mail
• Heures de soutien prolongées: 7h30 - 19h00 HNE

Tompkins Financial Corporation (TMP) - Modèle d'entreprise: segments de clientèle

Clients locaux de la banque de détail

Au quatrième trimestre 2023, Tompkins Financial Corporation dessert environ 38 500 clients bancaires de détail dans les régions de New York et de Pennsylvanie.

Client démographique	Nombre total	Pourcentage
Tapisseurs de compte courant personnel	24,750	64.3%
Clients du compte d'épargne	13,750	35.7%

Petites et moyennes entreprises

Tompkins dessert 2 350 petits et moyens clients commerciaux de taille moyenne avec un portefeuille de prêts commerciaux total de 687,4 millions de dollars au 31 décembre 2023.

• Taille moyenne des prêts commerciaux: 292 000 $
• Comptes de chèques commerciaux: 1 475
• Lignes de crédit commerciales: 875

Entreprises du secteur agricole

Portefeuille de prêts agricoles: 156,2 millions de dollars en 2023.

Segment agricole	Nombre de clients	Prêts totaux
Fermes laitières	215	78,6 millions de dollars
Fermes de culture	167	47,3 millions de dollars
Opérations de bétail	93	30,3 millions de dollars

Individus à haute nette

Base de clientèle totale à forte intensité: 1 250 personnes avec des actifs combinés de plus de 425 millions de dollars.

• Valeur du portefeuille individuel moyen: 340 000 $
• Clients avec des actifs supérieurs à 1 million de dollars: 375

Clients de gestion de la patrimoine

La division de gestion de patrimoine gère 1,2 milliard de dollars d'actifs à partir de 2023.

Catégorie client	Total des clients	Actifs sous gestion
Planification de la retraite	850	512 millions de dollars
Gestion des investissements	625	418 millions de dollars
Planification successorale	275	270 millions de dollars

Tompkins Financial Corporation (TMP) - Modèle d'entreprise: Structure des coûts

Dépenses de fonctionnement de la succursale

À partir du rapport annuel de 2023, Tompkins Financial Corporation a déclaré des frais d'exploitation de succursales de 36,2 millions de dollars.

Catégorie de dépenses	Montant ($)
Loyer et occupation	12,500,000
Services publics	3,700,000
Entretien	2,900,000
Équipement de succursale	4,600,000

Maintenance de la technologie et des infrastructures numériques

Les dépenses technologiques pour 2023 ont totalisé 22,5 millions de dollars.

• Infrastructure informatique: 8 700 000 $
• Systèmes de cybersécurité: 5 300 000 $
• Plateforme bancaire numérique: 4 200 000 $
• Licence de logiciel: 3 300 000 $

Salaires et avantages sociaux des employés

Les dépenses totales du personnel pour 2023 étaient de 98,6 millions de dollars.

Composant de compensation	Montant ($)
Salaires de base	67,400,000
Assurance maladie	12,300,000
Prestations de retraite	9,800,000
Bonus de performance	9,100,000

Coûts de conformité réglementaire

Les dépenses de conformité pour 2023 s'élevaient à 15,3 millions de dollars.

• Conseil juridique: 4 700 000 $
• Audit et rapport: 3 900 000 $
• Formation en conformité: 2 300 000 $
• Frais de dépôt réglementaire: 4 400 000 $

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2023 étaient de 11,7 millions de dollars.

Canal de marketing	Montant ($)
Publicité numérique	4,200,000
Médias traditionnels	3,500,000
Parrainages communautaires	2,100,000
Programmes d'acquisition de clients	1,900,000

Tompkins Financial Corporation (TMP) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts et hypothèques

Pour l'exercice 2023, Tompkins Financial Corporation a déclaré un revenu net d'intérêts de 269,4 millions de dollars. La répartition du portefeuille de prêts comprend:

Catégorie de prêt	Valeur totale
Prêts commerciaux	2,1 milliards de dollars
Hypothèques résidentielles	1,6 milliard de dollars
Prêts à la consommation	412 millions de dollars

Frais bancaires et frais de service

Les revenus des frais de service pour 2023 ont totalisé 45,2 millions de dollars, avec la ventilation des frais suivants:

• Frais de maintenance du compte: 18,7 millions de dollars
• Frais de découvert: 12,5 millions de dollars
• Frais de transaction ATM: 6,3 millions de dollars
• Autres frais de service bancaire: 7,7 millions de dollars

Frais de gestion de la patrimoine et de consultation

Segment de gestion de patrimoine généré 37,6 millions de dollars en frais de conseil en 2023, avec des actifs sous gestion atteignant 4,2 milliards de dollars.

Ventes de produits d'investissement

Produit d'investissement	Revenus générés
Fonds communs de placement	8,9 millions de dollars
Produits de planification de la retraite	12,4 millions de dollars
Services de courtage	15,3 millions de dollars

Services de gestion du Trésor

Les services de gestion du Trésor ont contribué 22,1 millions de dollars au total des revenus en 2023, servant principalement des clients commerciaux et institutionnels.

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.