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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

Tompkins Community Bank

Ithaca, New York · $8.79B in assets · beside the 11 other New York banks between $3B and $10B

The filing

322.6%
CRE / capital
9th of 10
1.39%
ROA
3rd of 10
+6.9%
Loans, year over year
4th of 12, largest first

Tompkins Community Bank is the third largest of the 12 New York banks nearest its size between $3B and $10B, with $8.79B in assets at 30 June 2026. Loans are 92.1% of deposits, 8th of 12 against a median of 89.6%, and equity is 9.3% of assets, 7th of 10. Loans grew +6.9% in the year, 4th of 12, and deposits grew 6.0%; the cohort's median loan growth is +4.5%.

Noncurrent loans are 0.80% of the book, 7th of 12 against a median of 0.71%; 0.07% is 30 to 89 days past due, and the allowance covers them 1.1 times. Commercial real estate is 41.2% of loans, 7th of 12 against a median of 36.1%, and 323% of capital, above the 300% screen, with construction at 58% against the 100% screen.

Return on assets is 1.39%, 3rd of 10 against a median of 1.23%, on an efficiency ratio of 53.1%, 5th of 10. Five years ago it was 1.50%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 8.8% of loans).

Commercial real estate against capital, the 300% screenNY banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 243% BT Bessemer Trust Co. N.A. 0% TB Trustco Bank 28% AB Arrow Bank National Association 142% AB Amalgamated Bank 235% CN Canandaigua National Bank & Trust Co. 241% RS Ridgewood Savings Bank 246% FS Five Star Bank 294% MC Metropolitan Commercial Bank 304% TC Tompkins Community Bank 323% NB Northfield Bank 381%
Loans, year over yearNY banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +4.5% BT Bessemer Trust Co. N.A. +28.2% MC Metropolitan Commercial Bank +10.8% AB Amalgamated Bank +9.2% TC Tompkins Community Bank +6.9% CN Canandaigua National Bank & Trust Co. +4.8% FS Five Star Bank +4.8% TB Trustco Bank +4.3% AB Arrow Bank National Association +2.1% RS Ridgewood Savings Bank +1.0% NB Northfield Bank -5.4% MP Mashreqbank PSC -12.5% Bo Bank of India -18.6%

SBA 7(a), FY2008 to FY2026

Tompkins Community Bank is the 48th largest 7(a) lender into New York of 402, with $76M across 574 loans, 0.4% of everything approved in the state (Manufacturers and Traders Trust Company leads with $1.26B). 11 of its 36 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New York, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Berks, PA$17M8th of 893.5%+9.0 pts
Wyoming, NY$12M1st of 1344.9%-50.4 pts
Monroe, NY$9M13th of 891.2%-0.2 pts
Genesee, NY$9M2nd of 2817.0%-6.9 pts
Erie, NY$8M16th of 940.9%+2.1 pts
Livingston, NY$7M3rd of 2515.5%-12.5 pts
Tompkins, NY$6M2nd of 418.3%+5.8 pts
Niagara, NY$6M7th of 444.7%+8.9 pts
Montgomery, PA$5M56th of 1600.3%thin
Westchester, NY$3M59th of 1520.3%+0.4 pts
Onondaga, NY$3M28th of 900.6%+1.8 pts
Orleans, NY$3M4th of 2010.3%+0.4 pts
Steuben, NY$2M16th of 371.7%quiet FY2014
23 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing82$23M22.0%0.06%279th of 2,246
Accommodation & food services81$11M10.8%0.01%538th of 2,596
Other services76$11M10.6%0.03%341st of 2,248
Administrative & waste services31$10M9.9%0.07%196th of 1,763
Health care & social assistance48$10M9.3%0.02%391st of 2,172
7(a) lenders into New York, share of approvals since FY2008402 lenders on record; the ten largest and Tompkins Community Bank
Ma Manufacturers and Traders Trust C… 6.5% $1.26B · 10,321 loans N Newbank 6.4% $1.24B · 1,163 loans JC JPMorgan Chase Bank, National Ass… 5.6% $1.09B · 8,716 loans TB TD Bank, National Association 5.5% $1.07B · 8,357 loans LO Live Oak Banking Company 4.0% $774M · 638 loans KN KeyBank National Association 3.7% $717M · 3,387 loans NS Newtek Small Business Finance, In… 2.9% $571M · 760 loans FB Finwise Bank 2.8% $542M · 476 loans Bo Bank of Hope 2.7% $518M · 1,174 loans DC Dime Commercial Bank 2.6% $507M · 575 loans TC Tompkins Community Bank 0.4% $76M · 574 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Tompkins Community BankRankCohort median
Total CRE against capital, the 300% screen323%9th of 10243%
Construction against capital, the 100% screen58%9th of 1012%
Construction and land development, share of loans7.4%11th of 120.9%
Non-owner-occupied nonfarm nonresidential, share of loans22.0%9th of 1011.7%
Total CRE, the guidance definition, share of loans41.2%7th of 1236.1%
CRE growth over 36 months, the third prong+32.0%7th of 10+24.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Amalgamated Bank$9.41B1.3%47.7%1.99%0.25%1.3%60.7%9.2%
Metropolitan Commercial Bank$8.86B1.2%52.2%0.91%1.27%0.8%94.3%10.9%
Tompkins Community Bank$8.79B1.4%53.1%0.80%0.07%0.9%92.1%9.3%
Ridgewood Savings Bank$7.55B0.7%67.3%1.85%0.18%0.7%81.1%12.8%
Bank of India$7.42Bno recordno record0.00%no recordno record67.9%no record
Mashreqbank PSC$6.93Bno recordno record0.00%no recordno record86.4%no record
Trustco Bank$6.52B1.0%54.8%0.40%0.00%1.0%94.6%8.5%
Five Star Bank$6.29B1.4%52.1%0.82%0.27%1.0%89.6%10.8%
Northfield Bank$5.50B1.0%52.3%0.62%0.28%1.0%92.6%13.1%
Canandaigua National Bank & Trust Co.$5.41B1.3%59.2%0.83%0.10%0.9%89.7%8.9%
Arrow Bank National Association$4.46B1.1%60.7%0.24%0.09%1.0%95.1%9.5%
Bessemer Trust Co. N.A.$4.16B3.2%79.4%0.00%0.00%0.0%32.7%10.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Tompkins Community BankCohort median
20212026Change20212026Change
Loans$1.50B$6.60B+340%$3.18B$4.42B+39%
Deposits$2.15B$7.17B+233%$3.74B$5.50B+47%
NPA / loans0.77%0.80%+0.03 pts0.26%0.71%+0.45 pts
Efficiency67.7%53.1%-14.6 pts57.2%54.0%-3.3 pts
ROA1.50%1.39%-0.11 pts1.37%1.23%-0.14 pts

This read was prepared for Tompkins Community Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Tompkins Community Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks $3B to $10B
Institution www.tompkinsbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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