Tompkins Community Bank (FDIC #609): Bank Stress & Real-Estate Credit Exposure
Tompkins Community Bank (FDIC Cert #609): bank stress 65/100, elevated, STABLE over 7 days; parent TOMPKINS FINANCIAL CORP (TMP).
Tompkins Community Bank (#609) lends in 18 counties across 2 states; Tompkins Community Bank (#609) reaches 679 ZIP codes: New York 13 counties, 408 ZIPs; Pennsylvania 5 counties, 271 ZIPs.
Tompkins Community Bank (#609) largest markets: Westchester County, NY (390 branches, 78 ZIPs) (#609), Erie County, NY (72 branches, 72 ZIPs) (#609), Montgomery County, PA (213 branches, 71 ZIPs) (#609), Berks County, PA (768 branches, 64 ZIPs) (#609), Schuylkill County, PA (59 branches, 59 ZIPs) (#609), Onondaga County, NY (116 branches, 58 ZIPs) (#609).
Tompkins Community Bank (#609) reports $8.79 billion in total assets; Tompkins Community Bank (#609) equity $815.8 million (9.3% of Tompkins Community Bank (#609) assets); Tompkins Community Bank (#609) domestic deposits $7.17 billion; Tompkins Community Bank (#609) net income $60.4 million; Tompkins Community Bank (#609) return on assets 1.38%; Tompkins Community Bank (#609) return on equity 15.03%; Tompkins Community Bank (#609) net interest income $145.8 million; Tompkins Community Bank (#609) call report June 30, 2026.
Tompkins Community Bank (#609) noncurrent real-estate loans 0.03% of its book; Tompkins Community Bank (#609) net charge-offs on real estate 0.79%; Tompkins Community Bank (#609) multifamily charge-offs 2.23%; Tompkins Community Bank (#609) residential charge-offs 0.19%.
Tompkins Community Bank (#609) net interest margin 3.53% against an eight-quarter Tompkins Community Bank (#609) average of 3.12% (Tompkins Community Bank (#609) compression -0.41 points); Tompkins Community Bank (#609) real-estate loans 2.9% of equity; Tompkins Community Bank (#609) non-residential real estate 18.5% of equity; Tompkins Community Bank (#609) rate-exposure score 40/100, Tompkins Community Bank (#609) fixed-rate trap 40/100; Tompkins Community Bank (#609) risk type credit driven; Tompkins Community Bank (#609) rate regime rates elevated; Tompkins Community Bank (#609) shares 3.6% below the 52-week high, Tompkins Community Bank (#609) equity trend stable, Tompkins Community Bank (#609) snapshot October 20, 2026.
Tompkins Community Bank (#609) stress score moved from 65.6 on June 22, 2026 to 65.4 on October 20, 2026; Tompkins Community Bank (#609) ranged 65.4 to 65.6 over 117 snapshots.
Tompkins Community Bank (#609) alerts: 18 counties; top Tompkins Community Bank (#609) alert scores: Wayne County, NY 52 (elevated); Cortland County, NY 43 (moderate); Auburn County, NY 24 (low); Buffalo County, NY 24 (low); Geneseo County, NY 24 (low).