Headquartered in Ithaca, New York, Tompkins Bank & Trust is a state-chartered bank with $8.8B in total assets and $7.2B in deposits as of Q2 2026. It operates 59 offices across 2 states. Its charter dates back to 1934.
Tompkins Bank & Trust has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 21% of its 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 75th. Problem-loan coverage contributes the most (88/100, 6.1%); funding & liquidity contributes the least (40/100, 91% loans-to-deposits, 41% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (56 → 60), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 52 |
| Q3 2024 | 53 |
| Q4 2024 | 55 |
| Q1 2025 | 53 |
| Q2 2025 | 56 |
| Q3 2025 | 57 |
| Q4 2025 | 53 |
| Q1 2026 | 60 |
| Q2 2026 | 60 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.71% |
| Q3 2024 | 8.70% |
| Q4 2024 | 8.77% |
| Q1 2025 | 8.84% |
| Q2 2025 | 8.89% |
| Q3 2025 | 8.92% |
| Q4 2025 | 8.92% |
| Q1 2026 | 8.98% |
| Q2 2026 | 9.11% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.08% |
| Q3 2024 | 1.06% |
| Q4 2024 | 0.85% |
| Q1 2025 | 1.17% |
| Q2 2025 | 0.85% |
| Q3 2025 | 0.84% |
| Q4 2025 | 0.74% |
| Q1 2026 | 0.79% |
| Q2 2026 | 0.80% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.86% |
| Q3 2024 | 0.88% |
| Q4 2024 | 0.92% |
| Q1 2025 | 0.92% |
| Q2 2025 | 1.00% |
| Q3 2025 | 1.03% |
| Q4 2025 | 0.39% |
| Q1 2026 | 1.31% |
| Q2 2026 | 1.38% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $8.8B | 9.11% | 0.80% | 1.38% | 91.2% |
| Q1 2026 | 60 | $8.7B | 8.98% | 0.79% | 1.31% | 88.6% |
| Q4 2025 | 53 | $8.7B | 8.92% | 0.74% | 0.39% | 90.2% |
| Q3 2025 | 57 | $8.4B | 8.92% | 0.84% | 1.03% | 87.8% |
| Q2 2025 | 56 | $8.3B | 8.89% | 0.85% | 1.00% | 90.5% |
| Q1 2025 | 53 | $8.2B | 8.84% | 1.17% | 0.92% | 88.4% |
| Q4 2024 | 55 | $8.1B | 8.77% | 0.85% | 0.92% | 91.6% |
| Q3 2024 | 53 | $8.0B | 8.70% | 1.06% | 0.88% | 88.1% |
| Q2 2024 | 52 | $7.8B | 8.71% | 1.08% | 0.86% | 90.3% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Metropolitan Commercial BankBank New York, NY | 66 out of 100, Moderate | $8.9B | 11.1% | 0.91% | vs |
| Amalgamated BankBank New York, NY | 53 out of 100, Below average | $9.4B | 9.6% | 1.99% | vs |
| Ridgewood Savings BankBank Ridgewood, NY | 64 out of 100, Moderate | $7.5B | 13.3% | 1.85% | vs |
| Bank of IndiaBank New York, NY | 48 out of 100, Below average | $7.4B | 0.0% | 0.00% | vs |
| TrustCo BankBank Glenville, NY | 62 out of 100, Moderate | $6.5B | 8.4% | 0.40% | vs |
| Five Star BankBank Rochester, NY | 66 out of 100, Moderate | $6.3B | 10.9% | 0.82% | vs |
Deposit insurance
Is my money safe at Tompkins Bank & Trust?
Yes. Tompkins Bank & Trust is an FDIC-insured institution (FDIC certificate #609). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 41.3% of deposits ($3.0B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.11%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.82% (benchmark: 10%).
59 locations
Branches
Tompkins Bank & Trust lists 56 offices in 47 cities across 2 states. Most locations:
- Ithaca, NY (5)
- Batavia, NY (2)
- Leesport, PA (2)
- Reading, PA (2)
- Wyomissing, PA (2)
- Yonkers, NY (2)
- Arcade, NY (1)
- Auburn, NY (1)
- Avon, NY (1)
- Birdsboro, PA (1)
- Blue Bell, PA (1)
- Boyertown, PA (1)
HMDA 2025
Mortgage lending
In 2025, Tompkins Bank & Trust reported 2,089 home-loan applications under HMDA (LEI 254900Q6YS0NMCYAH669): 1,564 originated ($600,200,000 total), 396 denied, and 97 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Tompkins Bank & Trust
- Former names
- Tompkins County Trust Company; Tompkins Community Bank; Tompkins Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 609
- RSSD ID
- 433608
- Primary regulator
- FDIC
- Holding company
- Tompkins Financial Corp
- Established
- January 1, 1934
- Headquarters
- 118 E Seneca St, Ithaca, NY 14850
- Website
- www.tompkinsbank.com
- Employees
- 829
Quick answers
Tompkins Bank & Trust: common questions
Is Tompkins Bank & Trust FDIC insured?
Yes. Tompkins Bank & Trust is an FDIC-insured institution (FDIC certificate #609). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Tompkins Bank & Trust's TellerScore?
60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Tompkins Bank & Trust ever failed?
There is no failure record for FDIC certificate #609 in the FDIC failed bank list.
How many branches does Tompkins Bank & Trust have?
59 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Ithaca
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of DrydenBank Dryden, NY | 80 out of 100, Strong | $203.9M | 13.5% | 0.93% | vs |
| The First National Bank of GrotonBank Groton, NY | 78 out of 100, Strong | $203.9M | 14.6% | 1.62% | vs |
| Beginnings Credit UnionCredit union Ithaca, NY | 77 out of 100, Strong | $1.5B | 14.0% | 0.69% | vs |
| Chemung Canal Trust Company, National AssociationBank Elmira, NY | 72 out of 100, Strong | $2.8B | 11.4% | 0.38% | vs |
| First Heritage Federal Credit UnionCredit union Corning, NY | 72 out of 100, Strong | $839.7M | 11.1% | 0.44% | vs |
| Tioga State Bank National AssociationBank Spencer, NY | 71 out of 100, Strong | $625.2M | 11.4% | 1.00% | vs |