Tompkins Financial Corporation (TMP): Modelo de negócios Canvas [Jan-2025 Atualizado]

Mergulhe no projeto estratégico da Tompkins Financial Corporation (TMP), uma potência bancária regional que transforma os serviços financeiros tradicionais por meio de abordagens inovadoras e estratégias orientadas pela comunidade. Esse modelo abrangente de negócios revela como o TMP aproveita suas profundas raízes regionais, infraestrutura digital avançada e soluções bancárias personalizadas para criar valor único para clientes em Nova York e Pensilvânia. Do envolvimento da comunidade local a plataformas digitais de ponta, a Tompkins Financial demonstra uma abordagem diferenciada ao setor bancário moderno que equilibra a inovação tecnológica com serviços financeiros baseados em relacionamento.

Tompkins Financial Corporation (TMP) - Modelo de negócios: Parcerias -chave

Bancos comunitários locais e instituições financeiras

Tompkins Financial Corporation parceira com 17 bancos comunitários locais Nas regiões de Nova York e Pensilvânia. Essas parcerias permitem cobertura de serviço financeiro regional expandido.

Tipo de parceiro	Número de parceiros	Alcance geográfico
Bancos comunitários locais	17	Nova York e Pensilvânia

Empresas regionais de investimento e gestão de patrimônio

A corporação colabora com 7 empresas de investimento regional para fornecer serviços abrangentes de gerenciamento de patrimônio.

• Total de ativos sob gestão: US $ 4,2 bilhões
• Duração média da parceria: 8,3 anos

Provedores de serviços de tecnologia para soluções bancárias digitais

Parceiro de tecnologia	Serviço prestado	Ano de implementação
Jack Henry & Associados	Plataforma bancária principal	2019
Fiserv	Infraestrutura bancária digital	2020

Companhias de seguros para produtos financeiros de venda cruzada

Tompkins faz parceria com 5 provedores de seguros regionais para ofertas de produtos financeiros integrados.

• Receita de venda cruzada: US $ 12,5 milhões anualmente
• Taxa de penetração de produtos de seguro: 22%

Pequenas empresas e redes de empréstimos agrícolas

Tipo de rede	Total de parcerias	Volume de empréstimo
Rede de empréstimos para pequenas empresas	12 redes regionais	US $ 287 milhões
Rede de empréstimos Agrícolas	8 redes regionais	US $ 156 milhões

Tompkins Financial Corporation (TMP) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir de 2024, a Tompkins Financial Corporation opera com US $ 12,1 bilhões em ativos totais. O banco fornece serviços bancários em várias regiões em Nova York e Pensilvânia.

Categoria de serviço bancário	Volume anual de transações	Segmento de clientes
Contas de corrente pessoal	237.500 contas	Consumidores individuais
Contas de corrente de negócios	45.300 contas	Pequenas a médias empresas

Gerenciamento de patrimônio e consultoria financeira

Tompkins gerencia aproximadamente US $ 3,8 bilhões em ativos de gerenciamento de patrimônio.

• Serviços de consultoria de investimentos
• Planejamento de aposentadoria
• Gerenciamento de portfólio
• Confiança e planejamento imobiliário

Empréstimos hipotecários e financiamento imobiliário

Portfólio total de empréstimos hipotecários: US $ 2,6 bilhões em 2024.

Tipo de hipoteca	Volume total de empréstimos	Taxa de juros média
Hipotecas residenciais	US $ 1,9 bilhão	6.75%
Imóveis comerciais	US $ 700 milhões	7.25%

Desenvolvimento da plataforma bancária digital

Transações bancárias digitais: 4,2 milhões de transações mensais em 2024.

• Usuários de aplicativos bancários móveis: 128.500
• Plataforma bancária online
• Integração de pagamento digital
• Infraestrutura de segurança cibernética

Gerenciamento de riscos e consultoria financeira

Ativos de gerenciamento de riscos sob proteção: US $ 9,5 bilhões.

Serviço de gerenciamento de riscos	Cobertura anual	Base de clientes
Consultoria de risco corporativo	US $ 6,3 bilhões	Clientes comerciais
Gestão de risco financeiro pessoal	US $ 3,2 bilhões	Clientes individuais

Tompkins Financial Corporation (TMP) - Modelo de negócios: Recursos -chave

Forte Rede Bancária Regional

Em 2024, a Tompkins Financial Corporation opera 73 escritórios bancários em Nova York e Pensilvânia. A rede abrange 35 municípios com uma presença concentrada em:

• Tompkins County, NY
• Condado de Cortland, NY
• Ithaca, NY Metropolitan Area
• Mercados regionais do nordeste da Pensilvânia

Equipe de gestão financeira

Posição de liderança	Número de executivos	Posse média
Equipe executiva sênior	7	16,3 anos
Conselho Administrativo	10	12,5 anos

Infraestrutura de tecnologia bancária digital

Investimento em tecnologia: US $ 12,4 milhões alocados para atualizações de infraestrutura bancária digital em 2023.

Portfólio de produtos financeiros

Categoria de produto	Ofertas totais de produtos	Penetração de mercado
Bancos pessoais	22 produtos distintos	68% de participação de mercado regional
Bancos comerciais	15 produtos distintos	54% de participação de mercado regional
Gestão de patrimônio	9 serviços distintos	42% de participação de mercado regional

Gerenciamento de relacionamento com o cliente

Base total de clientes: 87.600 contas ativas em 31 de dezembro de 2023.

• Usuários de banco digital: 62% da base total de clientes
• Downloads de aplicativos bancários móveis: 41.000
• Taxa média de retenção de clientes: 87,3%

Tompkins Financial Corporation (TMP) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para comunidades locais

A partir do quarto trimestre de 2023, a Tompkins Financial Corporation atende a 74 escritórios bancários em Nova York e Pensilvânia. O total de ativos do banco foi de US $ 7,3 bilhões, com uma carteira de empréstimos de US $ 5,1 bilhões.

Categoria de serviço	Cobertura da comunidade local	Penetração de mercado
Bancos pessoais	74 escritórios bancários	2 estados (NY, PA)
Banking de negócios	Vários segmentos de mercado local	Foco regional

Serviços financeiros abrangentes para indivíduos e empresas

A Tompkins oferece uma gama diversificada de produtos financeiros, com US $ 5,1 bilhões em empréstimos totais e US $ 1,9 bilhão em depósitos totais em 31 de dezembro de 2023.

• Empréstimos comerciais
• Bancos pessoais
• Gestão de patrimônio
• Serviços de seguro
• Soluções de investimento

Taxas de juros competitivas e produtos financeiros

Tipo de produto	Intervalo de taxa de juros	Comparação de mercado
Economia pessoal	2.50% - 4.25%	Competitivo com bancos regionais
Empréstimos comerciais	6.75% - 9.50%	Alinhado com taxas de mercado regionais

Tomada de decisão local e bancos baseados em relacionamento

Tompkins mantém a Abordagem de tomada de decisão descentralizada com 74 escritórios bancários locais permitindo interações personalizadas do cliente.

Experiências bancárias digitais e tradicionais integradas

As plataformas bancárias digitais suportam US $ 5,1 bilhões em transações de empréstimo com serviços bancários online e móveis abrangentes.

Canal bancário digital	Engajamento do usuário
Aplicativo bancário móvel	Usuários ativos: 65% da base de clientes
Plataforma bancária online	Volume da transação: US $ 3,2 bilhões anualmente

Tompkins Financial Corporation (TMP) - Modelo de Negócios: Relacionamentos do Cliente

Gerentes de relacionamento bancário pessoal

A partir de 2024, a Tompkins Financial Corporation mantém 37 gerentes de relacionamento bancários pessoais dedicados em sua rede regional. Esses gerentes atendem a uma média de 182 clientes de alta rede por equipe.

Segmento de clientes	Gerentes de relacionamento	Portfólio médio de clientes
Indivíduos de alta rede	22	215 clientes
Proprietários de pequenas empresas	15	147 clientes

Abordagem de atendimento ao cliente focada na comunidade

A Tompkins Financial Corporation opera 55 localizações de filiais em Nova York e Pensilvânia, com uma classificação de satisfação do cliente de 4,3 em 5.

• Taxa local de engajamento da filial: 67%
• Participação de eventos da comunidade: 42 eventos anualmente
• Programas de educação financeira local: 18 workshops por ano

Suporte bancário digital e plataformas online

Métricas bancárias digitais para a Tompkins Financial Corporation em 2024:

Serviço digital	Adoção do usuário	Usuários ativos mensais
Aplicativo bancário móvel	73%	42,500
Plataforma bancária online	81%	59,700

Consultas de consultoria financeira regulares

A Tompkins Financial fornece 1.247 consultas de consultoria financeira anualmente, com uma duração média de consulta de 62 minutos.

Tipo de consultoria	Consultas por ano	Duração média
Gestão de patrimônio	687	75 minutos
Planejamento de aposentadoria	560	48 minutos

Soluções financeiras personalizadas para diferentes segmentos de clientes

A quebra do segmento de clientes para produtos financeiros especializados:

• Banco pessoal: 68% da base total de clientes
• Banco de pequenas empresas: 22% da base total de clientes
• Banco corporativo: 10% da base total de clientes

Segmento de clientes	Produtos especializados	Taxa de penetração
Jovens profissionais	Contas digitais primeiro	45%
Proprietários de pequenas empresas	Empréstimos comerciais flexíveis	37%
Segmento de aposentadoria	Investimentos de renda fixa	53%

Tompkins Financial Corporation (TMP) - Modelo de Negócios: Canais

Redes de ramificação física

A partir de 2024, a Tompkins Financial Corporation opera 56 Locais de ramificação física em Nova York e Pensilvânia. Esses ramos estão concentrados na seguinte distribuição:

Estado	Número de ramificações
Nova Iorque	42
Pensilvânia	14

Plataformas bancárias online

A Tompkins Financial fornece serviços bancários on -line abrangentes com os seguintes recursos digitais:

• Acesso à conta 24/7
• Pagamento da conta on -line
• Declarações eletrônicas
• Transferências de fundos

Aplicativos bancários móveis

A plataforma bancária móvel suporta Mais de 75.000 usuários móveis ativos com recursos incluindo:

• Depósito de cheque móvel
• Controles de cartão
• Pagamentos ponto a ponto
• Alertas de transações em tempo real

Rede ATM

Tompkins Financial mantém 38 Locais proprietários de atm Com acesso adicional através:

Rede	Número de caixas eletrônicos
Caixas eletrônicos proprietários	38
Caixas eletrônicos de rede compartilhada	2,500+

Serviços de suporte ao cliente e do telefone digital

Os canais de suporte ao cliente incluem:

• Linha telefônica dedicada de atendimento ao cliente: (607) 273-3210
• Suporte de bate -papo online
• Suporte por e -mail
• Horário de suporte prolongado: 7:30 - 19:00 EST

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

Clientes bancários de varejo locais

A partir do quarto trimestre de 2023, a Tompkins Financial Corporation atende a aproximadamente 38.500 clientes bancários de varejo nas regiões de Nova York e Pensilvânia.

Demografia demográfica do cliente	Número total	Percentagem
Titulares de contas de corrente pessoal	24,750	64.3%
Clientes da conta poupança	13,750	35.7%

Pequenas e médias empresas

A Tompkins atende 2.350 clientes comerciais pequenos e médios, com um portfólio total de empréstimos comerciais de US $ 687,4 milhões em 31 de dezembro de 2023.

• Tamanho médio de empréstimo comercial: US $ 292.000
• Contas de corrente de negócios: 1.475
• Linhas de crédito comercial: 875

Empresas do setor agrícola

Portfólio de empréstimos agrícolas: US $ 156,2 milhões em 2023.

Segmento agrícola	Número de clientes	Empréstimos totais
Fazendas de laticínios	215	US $ 78,6 milhões
Fazendas de culturas	167	US $ 47,3 milhões
Operações de gado	93	US $ 30,3 milhões

Indivíduos de alta rede

Base total de clientes de alta rede: 1.250 indivíduos com ativos combinados acima de US $ 425 milhões.

• Valor médio de portfólio individual: $ 340.000
• Clientes com ativos acima de US $ 1 milhão: 375

Clientes de gerenciamento de patrimônio

A divisão de gestão de patrimônio gerencia US $ 1,2 bilhão em ativos a partir de 2023.

Categoria de cliente	Total de clientes	Ativos sob gestão
Planejamento de aposentadoria	850	US $ 512 milhões
Gerenciamento de investimentos	625	US $ 418 milhões
Planejamento imobiliário	275	US $ 270 milhões

Tompkins Financial Corporation (TMP) - Modelo de negócios: estrutura de custos

Despesas de operação de ramificação

A partir de 2023 Relatório Anual, a Tompkins Financial Corporation registrou despesas de operação de US $ 36,2 milhões.

Categoria de despesa	Valor ($)
Aluguel e ocupação	12,500,000
Utilitários	3,700,000
Manutenção	2,900,000
Equipamento de ramificação	4,600,000

Manutenção de tecnologia e infraestrutura digital

As despesas de tecnologia para 2023 totalizaram US $ 22,5 milhões.

• Infraestrutura de TI: US $ 8.700.000
• Sistemas de segurança cibernética: US $ 5.300.000
• Plataforma bancária digital: US $ 4.200.000
• Licenciamento de software: US $ 3.300.000

Salários e benefícios dos funcionários

As despesas totais de pessoal para 2023 foram de US $ 98,6 milhões.

Componente de compensação	Valor ($)
Salários da base	67,400,000
Seguro de saúde	12,300,000
Benefícios de aposentadoria	9,800,000
Bônus de desempenho	9,100,000

Custos de conformidade regulatória

As despesas de conformidade em 2023 totalizaram US $ 15,3 milhões.

• Consultoria legal: US $ 4.700.000
• Auditoria e relatórios: US $ 3.900.000
• Treinamento de conformidade: US $ 2.300.000
• Taxas de arquivamento regulatório: US $ 4.400.000

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 foram de US $ 11,7 milhões.

Canal de marketing	Valor ($)
Publicidade digital	4,200,000
Mídia tradicional	3,500,000
Patrocínio da comunidade	2,100,000
Programas de aquisição de clientes	1,900,000

Tompkins Financial Corporation (TMP) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e hipotecas

Para o ano fiscal de 2023, a Tompkins Financial Corporation registrou receita de juros líquidos de US $ 269,4 milhões. A quebra da carteira de empréstimos inclui:

Categoria de empréstimo	Valor total
Empréstimos comerciais	US $ 2,1 bilhões
Hipotecas residenciais	US $ 1,6 bilhão
Empréstimos ao consumidor	US $ 412 milhões

Taxas bancárias e cobranças de serviço

A receita de taxa de serviço para 2023 totalizou US $ 45,2 milhões, com a seguinte quebra de taxas:

• Taxas de manutenção de conta: US $ 18,7 milhões
• Taxas de cheque especial: US $ 12,5 milhões
• Taxas de transação ATM: US $ 6,3 milhões
• Outras cobranças de serviço bancário: US $ 7,7 milhões

Gerenciamento de patrimônio e taxas de consultoria

Segmento de gerenciamento de patrimônio gerado US $ 37,6 milhões em taxas de consultoria durante 2023, com ativos sob a administração atingindo US $ 4,2 bilhões.

Vendas de produtos de investimento

Produto de investimento	Receita gerada
Fundos mútuos	US $ 8,9 milhões
Produtos de planejamento de aposentadoria	US $ 12,4 milhões
Serviços de corretagem	US $ 15,3 milhões

Serviços de Gerenciamento do Tesouro

Serviços de gerenciamento de tesouro contribuíram US $ 22,1 milhões Para receita total em 2023, atendendo principalmente a clientes comerciais e institucionais.

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.