Tompkins Financial reported FY 2025 net income available to common shareholders of USD 161.1 million (up 127.3%), with diluted EPS of USD 11.24 (up 126.2%). Return on average assets was 1.96% and return on average equity was 20.61% in FY 2025. Net interest income was USD 249.7 million (up 18.3%), and net interest margin was 3.17% versus 2.79% in FY 2024; fourth-quarter 2025 net interest margin was 3.42%. Noninterest income totaled USD 196.9 million (up 123.4%), including a USD 188.2 million pre-tax gain on the sale of Tompkins Insurance Agencies to Arthur J. Gallagher and a USD 78.7 million pre-tax loss on the sale of available-for-sale debt securities tied to a portfolio repositioning. Noninterest expense was USD 210.2 million (up 5.3%). Provision for credit loss expense was USD 11.5 million, and the allowance for credit losses was 0.89% of total loans and leases at year-end. Tompkins ended FY 2025 with total assets of USD 8.7 billion (up 6.9%), loans and leases of USD 6.4 billion (up 7.1%), and total deposits of USD 6.9 billion (up 7.2%). The company said the securities repositioning involved selling USD 564.2 million of available-for-sale debt securities with an average yield of 1.56% and largely reinvesting proceeds into securities with an estimated yield of about 4.52%. Following the Oct. 31, 2025 sale of its insurance unit, Tompkins now reports two segments: banking and wealth management. The board also authorized a new share repurchase plan in July 2025; as of Dec. 31, 2025, 22,339 shares had been repurchased at an average price of USD 73.86.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Tompkins Financial Corporation published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001005817-26-000027), on February 26, 2026, and is solely responsible for the information contained therein.