2026 Overview
General Bank Information
Tompkins Bank & Trust is an FDIC insured institution located in Ithaca, NY. It was founded in 1934 and has approximately $8.79 billion in assets. Customers can open an account at one of its 14 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 609 |
| Date Established | 1934 |
| Assets | $ 8.79 billion |
| Loans | $ 6.54 billion |
| Deposits | $ 7.17 billion |
| Capital | $ 815.83 million |
For a more detailed analysis of Tompkins Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - October 15, 2026
Your Current Location: New York, NY 10116
| Savings and Money Market Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.01% | $0 | - |
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|
| TRUE ADVANTAGE SAVINGS
|
0.02% | $10 | $49,999 |
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|
| TRUE ADVANTAGE SAVINGS
|
0.30% | $50,000 | $149,999 |
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|
| TRUE ADVANTAGE SAVINGS
|
0.40% | $150,000 | - |
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|
| CD Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 MONTH
|
0.03% | $1,000 | - |
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|
| 5 Month CD Special
|
3.10% | $1,000 | - |
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|
| 6 Mo CD
|
2.60% | $1,000 | - |
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|
| 9 Month CD
|
3.15% | $1,000 | - |
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|
| 12 Mo CD
|
3.20% | $1,000 | - |
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|
| 14 Month CD Special
|
0.10% | $1,000 | - |
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|
| 18 Mo CD
|
0.15% | $1,000 | - |
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|
| 24 Mo CD
|
1.00% | $1,000 | - |
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|
| 3 year bump up
|
2.90% | $1,000 | - |
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|
| 36 Mo CD
|
0.25% | $1,001 | - |
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|
| 48 Mo CD
|
0.30% | $1,000 | - |
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|
| 60 Mo CD
|
0.30% | $1,000 | - |
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|
| Fixed IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 12 Month CD
|
3.20% | $1,000 | - | Learn More |
| 14 Month CD Special
|
0.10% | $1,000 | - | Learn More |
| 36 Month CD
|
0.25% | $1,000 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.01% | $0 | - | Learn More |
| INTCK
|
0.02% | $25,000 | - | Learn More |
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Loan Rates - October 15, 2026
Your Current Location: New York, NY 10116
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Jumbo See Amortization Table |
5.61% | 5.77% | $2,660.40 | |
| 15 Year Fixed Conforming See Amortization Table |
5.78% | 6.03% | $2,705.01 | |
| 30 Year Fixed Jumbo See Amortization Table |
6.07% | 6.51% | $2,025.14 | |
| 30 Year Fixed Conforming See Amortization Table |
6.42% | 6.72% | $2,069.14 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Jumbo See Amortization Table |
5.61% | 5.77% | $2,660.40 | |
| 15 Year Fixed Conforming See Amortization Table |
5.78% | 6.03% | $2,705.01 | |
| 30 Year Fixed Jumbo See Amortization Table |
6.07% | 6.51% | $2,025.14 | |
| 30 Year Fixed Conforming See Amortization Table |
6.42% | 6.72% | $2,069.14 |
Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Tompkins Bank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
New York City,New York
Tompkins Bank & Trust Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 173.28 | A | View Lobby Hours | |
| 174.07 | B | View Lobby Hours | |
| 176.45 | C | View Lobby Hours | |
| 177.91 | D | View Lobby Hours | |
| 177.95 | E | View Lobby Hours | |
| 178.06 | F | View Lobby Hours | |
| 178.50 | G | View Lobby Hours | |
| 178.90 | H | View Lobby Hours | |
| 179.03 | I | View Lobby Hours | |
| 179.20 | J | View Lobby Hours | |
| 185.34 | K | View Lobby Hours | |
| 189.21 | L | View Lobby Hours | |
| 204.96 | M | View Lobby Hours | |
| 244.65 | N | View Lobby Hours | |
| 247.88 | O | View Lobby Hours | |
| 249.23 | P | View Lobby Hours | |
| 249.96 | Q | View Lobby Hours | |
| 252.03 | R | View Lobby Hours | |
| 252.31 | S | View Lobby Hours | |
| 253.50 | T | View Lobby Hours | |
| 256.36 | U | View Lobby Hours | |
| 256.81 | V | View Lobby Hours | |
| 258.34 | W | View Lobby Hours | |
| 261.43 | X | View Lobby Hours | |
| 262.68 | Y | View Lobby Hours | |
| 262.84 | Z | View Lobby Hours |
Climate Policy and Initiatives
Tompkins Bank & Trust is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Tompkins Bank & Trust Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Tompkins Bank & Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Tompkins Bank & Trust | U.S. Bank Average |
|---|---|
| 6.05% | 6.04% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of June 30, 2026, Tompkins Bank & Trust had $52,548,000 in non-current loans and $384,000 in owned real estate. To cover these potential losses it had $815,832,000 in equity and $58,479,000 in loans loss reserves. That gives it a Texas Ratio of 6.05%.
Return on Equity
| Tompkins Bank & Trust | U.S. Bank Average |
|---|---|
| 15.03% | 11.52% |
Tompkins Bank & Trust has a Return on Equity of 15.03% versus the BestCashCow average of 11.52%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Tompkins Bank & Trust | U.S. Bank Average |
|---|---|
| 9.28% | 11.94% |
Tompkins Bank & Trust has a Capitalization of 9.28% versus the BestCashCow average of 11.94. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Tompkins Bank & Trust Balance Sheet Analysis
As of June 30, 2026, Tompkins Bank & Trust had assets of $8,790,772,000, loans of $6,538,827,000, and deposits of $7,165,944,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
June 30, 2026| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 147.77 million |
| Interest-bearing balances | $ 76.07 million |
| Total securities | $ 1,706.41 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 6.54 billion |
| Loan loss allowance | $ 58.48 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.38 million |
| Goodwill and other intangibles | $ 66.67 million |
| All other assets | $ 221.96 million |
| Total Assets | $ 7.97 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 7.17 billion |
| Interest-bearing deposits | $ 5.10 billion |
| Deposits held in domestic offices | $ 7.17 billion |
| % insured (estimated) | 58.71% |
| Federal funds purchased and repurchase agreements | $ 181.71 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 295.60 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 90.81 million |
| Total Liabilities | $ 7.97 billion |
| Shareholders’ Equity | $ 815.83 million |
Summary Income Statement
June 30, 2026| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 208.61 million |
| Total Interest Expense | $ 62.77 million |
| Net interest income | $ 145.84 million |
| Provision for loan and lease losses | $ 3.00 million |
| Total non interest income | $ 30.89 million |
| Total non interest expense | $ 93.90 million |
| Pre-tax Net Operating Income | $ 57.82 million |
Bank Loan Profile?
The top three loan types in Tompkins Bank & Trust’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.
Compared to other banks in New York, Tompkins Bank & Trust has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 26.84 | ✓ | ||
| Multifamily Mortgages |
6.98 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.10 | ✓ | ||
| Small Business Loans | 5.09 | ✓ | ||
| Construction and Development Loans | 4.04 | ✓ | ||
| Commercial Real Estate | 26.63 | ✓ | ||
| Commercial and Industrial Loans | 7.47 | ✓ | ||
| Farm Loans | 1.06 | ✓ | ||
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