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Tompkins Financial
TMP
#5716
Rank
HK$8.70 B
Marketcap
๐Ÿ‡บ๐Ÿ‡ธ United States
Country
HK$603.03
Share price
0.65%
Change (1 day)
25.57%
Change (1 year)
๐Ÿฆ Banks๐Ÿ’ณ Financial services
Categories
  1. Tompkins Financial
  2. Quarterly Reports (10-Q)
  3. Financial Year FY2025 Q3

Tompkins Financial - 10-Q quarterly report FY2025 Q3


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United States
Securities and Exchange Commission
Washington, D.C. 20549
FORM 10-Q
 
☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 
For the quarterly period ended September 30, 2025
 
OR
☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 
 
For the transition period from _____ to ______
 
Commission File Number 1-12709
 Tomp_TF logo Color.jpg 

Tompkins Financial Corporation
(Exact name of registrant as specified in its charter)
New York 16-1482357
(State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.)
118 E. Seneca Street, P.O. Box 460, Ithaca, NY
(Address of principal executive offices)
14851
(Zip Code)
 
Registrant’s telephone number, including area code: (888) 503-5753
Former name, former address, and former fiscal year, if changed since last report: NA
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common Stock, $0.10 par valueTMPNYSE American, LLC
 
Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐.
 
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐.
 
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer", "accelerated filer", "smaller reporting company", and "emerging growth company" in Rule 12b-2 of the Exchange Act. (Check one):
Large Accelerated Filer☒Accelerated Filer☐
Non-Accelerated Filer☐Smaller Reporting Company☐
Emerging Growth Company☐
 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of Exchange Act.☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act.) Yes ☐ No ☒.

Indicate the number of shares of the Registrant's Common Stock outstanding as of the latest practicable date: 14,431,880 shares as of October 22, 2025.


TOMPKINS FINANCIAL CORPORATION
 
FORM 10-Q
 
INDEX
PART I -FINANCIAL INFORMATION
 
   PAGE
 
1
  
2
  
3
  
4
  
6
  
8
 
40
 
58
 
59
 
 
59
 
59
 
59
 
60
 
60
 
60
 
61
62



Glossary of Abbreviations and Acronyms
The acronyms and abbreviations identified below are used throughout this report, including the Notes to Consolidated Financial Statements. You may find it helpful to refer to this page as you read this report. All references in the glossary to laws are to those laws as amended from time to time.
TermDefinition
ACLAllowance for credit losses
AFSAvailable for sale
ASCAccounting Standards Codification
ASUAccounting Standards Update
BHC ActBank Holding Company Act of 1956
BOLIBank owned life insurance
CECLCurrent Expected Credit Losses
CRECommercial real estate
DIFDeposit Insurance Fund
Dodd-Frank ActDodd-Frank Wall Street Reform and Consumer Protection Act of 2010
ECLExpected credit losses
ESOPEmployee Stock Ownership Plan
Exchange ActSecurities Exchange Act of 1934
FASBFinancial Accounting Standards Board
FDICFederal Deposit Insurance Corporation
FHLBFederal Home Loan Bank
FHLBNYFederal Home Loan Bank of New York
FHLMCFederal Home Loan Mortgage Corporation
FRBFederal Reserve Board
GAAPU.S. Generally Accepted Accounting Principles
HTMHeld to maturity
NYSDFSNew York State Department of Financial Services
OREOOther real estate owned
PCAPrompt corrective action
PCDPurchased with credit deterioration
PCIPurchased credit impaired
ROURight-of-use
Sarbanes-OxleySarbanes-Oxley Act of 2002
SBICSmall business investment companies
SECSecurities and Exchange Commission
Securities ActSecurities Act of 1933
SERPSupplemental employee retirement plan
SONYMAState of New York Mortgage Agency
TDRTroubled debt restructuring
Tompkins Annual ReportTompkins Annual Report on Form 10-K for the year ended December 31, 2024
Tompkins InsuranceTompkins Insurance Agencies, Inc.
Tompkins or the CompanyTompkins Financial Corporation



Item 1. Financial Statements
TOMPKINS FINANCIAL CORPORATION
CONSOLIDATED STATEMENTS OF CONDITION
(In thousands, except share and per share data) (Unaudited)As ofAs of
ASSETS9/30/202512/31/2024
 (unaudited)(audited)
Cash and noninterest bearing balances due from banks$77,115 $53,635 
Interest bearing balances due from banks116,377 80,763 
Cash and Cash Equivalents193,492 134,398 
Available-for-sale debt securities, at fair value (amortized cost of $1,380,783 at September 30, 2025 and $1,367,123 at December 31, 2024)
1,291,053 1,231,532 
Held-to-maturity debt securities, at amortized cost (fair value of $281,624 at September 30, 2025 and $267,295 December 31, 2024)
312,510 312,462 
Equity securities, at fair value794 768 
Total loans and leases, net of unearned income and deferred costs and fees6,288,071 6,019,922 
Less: Allowance for credit losses59,889 56,496 
Net Loans and Leases6,228,182 5,963,426 
Federal Home Loan Bank and other stock27,083 42,255 
Bank premises and equipment, net73,842 76,627 
Corporate owned life insurance77,328 76,448 
Goodwill92,602 92,602 
Other intangible assets, net2,325 2,203 
Accrued interest and other assets169,520 176,359 
Total Assets8,468,731 8,109,080 
LIABILITIES
Deposits:
Interest bearing:
Checking, savings and money market3,904,875 3,558,946 
Time1,242,051 1,068,375 
Noninterest bearing1,906,144 1,844,484 
Total Deposits7,053,070 6,471,805 
Federal funds purchased and securities sold under agreements to repurchase80,804 37,036 
Other borrowings444,866 790,247 
Other liabilities101,186 96,548 
Total Liabilities7,679,926 7,395,636 
EQUITY
Tompkins Financial Corporation shareholders' equity:
Common Stock - par value $0.10 per share: Authorized 25,000,000 shares; Issued: 14,461,230 at September 30, 2025; and 14,468,013 at December 31, 2024
1,447 1,447 
Additional paid-in capital301,184 300,073 
Retained earnings575,112 537,157 
Accumulated other comprehensive loss(83,773)(118,492)
Treasury stock, at cost – 101,665 shares at September 30, 2025, and 131,497 shares at December 31, 2024
(5,165)(6,741)
Total Equity788,805 713,444 
Total Liabilities and Equity$8,468,731 $8,109,080 
 See notes to unaudited consolidated financial statements.
1

TOMPKINS FINANCIAL CORPORATION
 CONSOLIDATED STATEMENTS OF INCOME 
Three Months EndedNine Months Ended
(In thousands, except per share data) (Unaudited)9/30/20259/30/20249/30/20259/30/2024
INTEREST AND DIVIDEND INCOME
Loans$86,309 $77,814 $247,232 $223,059 
Due from banks187 168 549 506 
Available-for-sale debt securities9,738 9,037 27,778 28,019 
Held-to-maturity debt securities1,224 1,222 3,661 3,659 
Federal Home Loan Bank and other stock598 888 1,944 2,309 
Total Interest and Dividend Income98,056 89,129 281,164 257,552 
INTEREST EXPENSE
Time certificates of deposits of $250,000 or more4,063 4,158 12,710 12,216 
Other deposits24,210 22,553 69,692 64,213 
Federal funds purchased and securities sold under agreements to repurchase23 11 125 35 
Other borrowings5,882 9,214 17,967 26,267 
Total Interest Expense34,178 35,936 100,494 102,731 
Net Interest Income63,878 53,193 180,670 154,821 
Less: Provision for credit loss expense2,490 2,174 10,557 5,200 
Net Interest Income After Provision for Credit Loss Expense61,388 51,019 170,113 149,621 
NONINTEREST INCOME
Insurance commissions and fees11,282 11,283 32,490 30,629 
Wealth management fees4,979 4,925 15,062 14,711 
Service charges on deposit accounts1,844 1,872 5,439 5,434 
Card services income2,891 2,921 8,667 9,138 
Other income2,557 2,299 9,424 7,321 
Net gain (loss) on securities transactions11 85 26 65 
Total Noninterest Income23,564 23,385 71,108 67,298 
NONINTEREST EXPENSE
Salaries and wages27,581 25,664 78,926 75,280 
Other employee benefits6,073 6,276 20,335 19,232 
Net occupancy expense of premises3,173 3,065 9,851 9,761 
Furniture and fixture expense1,825 1,797 5,681 5,832 
Amortization of intangible assets97 86 265 242 
Other operating expense15,098 12,989 41,019 39,329 
Total Noninterest Expenses53,847 49,877 156,077 149,676 
Income Before Income Tax Expense31,105 24,527 85,144 67,243 
Income Tax Expense7,432 5,858 20,321 15,958 
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation23,673 18,669 64,823 51,285 
Less: Net Income Attributable to Noncontrolling Interests0 31 0 93 
Net Income Attributable to Tompkins Financial Corporation$23,673 $18,638 $64,823 $51,192 
Basic Earnings Per Share$1.66 $1.31 $4.55 $3.60 
Diluted Earnings Per Share$1.65 $1.30 $4.52 $3.59 
 
See notes to unaudited consolidated financial statements.

2

TOMPKINS FINANCIAL CORPORATION
 CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME 
Three Months Ended
(In thousands) (Unaudited)9/30/20259/30/2024
Net income attributable to noncontrolling interests and Tompkins Financial Corporation$23,673 $18,669 
Other comprehensive (loss) income, net of tax:
Available-for-sale debt securities:
Change in net unrealized gain (loss) during the period11,235 34,300 
Reclassification adjustment for net realized (gain) loss on sale of available-for-sale debt securities included in net income0 (38)
Employee benefit plans:
Amortization of net retirement plan actuarial loss71 173 
Amortization of net retirement plan prior service cost36 35 
Other comprehensive income (loss)11,342 34,470 
Subtotal comprehensive income attributable to noncontrolling interests and Tompkins Financial Corporation35,015 53,139 
Less: Net income attributable to noncontrolling interests0 31 
Total comprehensive income attributable to Tompkins Financial Corporation$35,015 $53,108 

Nine Months Ended
(In thousands) (Unaudited)9/30/20259/30/2024
Net income attributable to noncontrolling interests and Tompkins Financial Corporation$64,823 $51,285 
Other comprehensive income, net of tax:
Available-for-sale debt securities:
Change in net unrealized gain (loss) during the period34,396 23,221 
Reclassification adjustment for net realized (gain) loss on sale of available-for-sale debt securities included in net income0 (38)
Employee benefit plans:
Amortization of net retirement plan actuarial loss213 518 
Amortization of net retirement plan prior service cost110 104 
Other comprehensive income (loss)34,719 23,805 
Subtotal comprehensive income attributable to noncontrolling interests and Tompkins Financial Corporation99,542 75,090 
Less: Net income attributable to noncontrolling interests0 93 
Total comprehensive income attributable to Tompkins Financial Corporation$99,542 $74,997 

See notes to unaudited consolidated financial statements.

3

TOMPKINS FINANCIAL CORPORATION
CONSOLIDATED STATEMENTS OF CASH FLOWS
Nine Months Ended
(In thousands) (Unaudited)9/30/20259/30/2024
OPERATING ACTIVITIES
Net income attributable to Tompkins Financial Corporation$64,823 $51,192 
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit loss expense10,557 5,200 
Depreciation and amortization of premises, equipment, and software6,241 7,834 
Amortization of intangible assets265 242 
Earnings from corporate owned life insurance(1,902)(2,290)
Net amortization on securities(2,020)(850)
Amortization/accretion related to purchase accounting(189)(616)
Net gain on securities transactions(26)(65)
Net gain on sale of loans originated for sale(1,634)(701)
Proceeds from sale of loans originated for sale64,982 30,224 
Loans originated for sale(62,561)(30,949)
Net loss (gain) on sale of bank premises and equipment2 (218)
Net excess tax (expense) benefit from stock-based compensation(10)(191)
Stock-based compensation expense2,965 2,693 
Increase in accrued interest receivable(1,117)(2,087)
Increase in accrued interest payable393 483 
Other, net(4,696)11,816 
Net Cash Provided by Operating Activities76,073 71,717 
INVESTING ACTIVITIES
Proceeds from maturities, calls and principal paydowns of available-for-sale debt securities185,264 149,012 
Proceeds from sales of available-for-sale debt securities0 39,952 
Purchases of available-for-sale debt securities(196,952)(50,032)
Net increase in loans(288,443)(274,267)
Proceeds from sale/redemptions of Federal Home Loan Bank stock101,315 86,540 
Purchases of Federal Home Loan Bank and other stock(86,143)(83,757)
Proceeds from sale of bank premises and equipment47 294 
Purchases of bank premises, equipment and software(3,022)(4,624)
Purchase of corporate owned life insurance0 (5,746)
Proceeds from redemption of corporate owned life insurance 1,022 17,993 
Proceeds from sale of other real estate owned16,664 0 
Other, net0 (413)
Net Cash (Used in) Provided by Investing Activities(270,248)(125,048)
FINANCING ACTIVITIES
Net increase in demand, money market, and savings deposits407,589 134,055 
Net increase in time deposits173,860 44,343 
Net increase in Federal funds purchased and securities sold under agreements to repurchase43,768 16,510 
Increase in other borrowings243,946 501,027 
Repayment of other borrowings(589,327)(563,800)
Cash dividends(26,523)(25,907)
Common stock issued89 122 
Net shares issued related to restricted stock awards(121)(200)
Net proceeds from exercise of stock options(12)(41)
Net Cash Provided by (Used in) Financing Activities253,269 106,109 
Net Increase in Cash and Cash Equivalents59,094 52,778 
Cash and cash equivalents at beginning of period134,398 79,542 
Total Cash and Cash Equivalents at End of Period$193,492 $132,320 

See notes to unaudited consolidated financial statements.
4

TOMPKINS FINANCIAL CORPORATION
CONSOLIDATED STATEMENTS OF CASH FLOWS
 
Nine Months Ended
(In thousands) (Unaudited)9/30/20259/30/2024
Supplemental Information:
Cash paid during the year for - Interest$100,285 $102,596 
Cash paid during the year for - Taxes19,974 8,249 
Transfer of loans to other real estate owned397 81 
Transfer of loans to other assets12,6740 
Right-of-use assets obtained in exchange for new lease liabilities1,916 893 
 
See notes to unaudited consolidated financial statements.
 
5

TOMPKINS FINANCIAL CORPORATION
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY
(Unaudited)
(In thousands except share and per share data) (Unaudited)Common
Stock		Additional Paid-in CapitalRetained
Earnings		Accumulated Other Comprehensive (Loss) IncomeTreasury
Stock		Non-
controlling Interests		Total
Balances at July 1, 2024$1,443 $298,647 $516,566 $(135,670)$(6,356)$1,463 $676,093 
Net income attributable to noncontrolling interests and Tompkins Financial Corporation18,638 31 18,669 
Other comprehensive income34,470 34,470 
Total Comprehensive Income53,139 
Cash dividends ($0.61 per share)
(8,781)(8,781)
Net exercise of stock options (754 shares)
 (41)(41)
Treasury stock activity (1,253 shares)
 41 16 57 
Stock-based compensation expense 977 977 
Directors deferred compensation plan (4,150 shares)
212 (212)0 
Restricted stock activity (2,956 shares)
(95)(95)
Partial repurchase of noncontrolling interest(1)(1)
Balances at September 30, 2024$1,443 $299,741 $526,423 $(101,200)$(6,552)$1,493 $721,348 
Balances at July 1, 2025$1,447 $300,001 $560,385 $(95,115)$(4,925)$0 $761,793 
Net income attributable to Tompkins Financial Corporation23,673  23,673 
Other comprehensive income11,342 11,342 
Total Comprehensive Income35,015 
Cash dividends ($0.62 per share)
(8,946)(8,946)
Net exercise of stock options (239 shares)
 (9)(9)
Treasury stock activity (590 shares)
31 7 38 
Stock-based compensation expense913 913 
Directors deferred compensation plan (3,766 shares)
248 (247)1 
Restricted stock activity ((514) shares)
  0 
Balances at September 30, 2025$1,447 $301,184 $575,112 $(83,773)$(5,165)$0 $788,805 
6

(In thousands except share and per share data)(Unaudited)Common
Stock		Additional Paid-in CapitalRetained
Earnings		Accumulated Other Comprehensive (Loss) IncomeTreasury
Stock		Non-
controlling Interests		Total
Balances at January 1, 2024$1,444 $297,183 $501,510 $(125,005)$(6,610)$1,412 $669,934 
Net income attributable to noncontrolling interests and Tompkins Financial Corporation51,192 93 51,285 
Other comprehensive loss23,805 23,805 
Total Comprehensive Income75,090 
Cash dividends ($1.82 per share)
(26,208)(26,208)
Net exercise of stock options (754 shares)
 (41)(41)
Treasury stock issued (-3,243 shares)
122 42 164 
Stock-based compensation expense2,692 2,692 
Directors deferred compensation plan (463) shares)
(16)16 0 
Restricted stock activity (15,662 shares)
(1)(199)(200)
Adjustment due to the adoption of ASU 2023-02(71)(71)
Partial repurchase of noncontrolling interest(12)(12)
Balances at September 30, 2024$1,443 $299,741 $526,423 $(101,200)$(6,552)$1,493 $721,348 
Balances at January 1, 2025$1,447 $300,073 $537,157 $(118,492)$(6,741)$0 $713,444 
Net income attributable to Tompkins Financial Corporation64,823  64,823 
Other comprehensive income34,719 34,719 
Total Comprehensive Income99,542 
Cash dividends ($1.86 per share)
(26,868)(26,868)
Net exercise of stock options (316 shares)
 (12)(12)
Treasury stock issued (-1,720 shares)
89 22 111 
Stock-based compensation expense2,708 2,708 
Directors deferred compensation plan ((28,112) shares)
(1,553)1,554 1 
Restricted stock activity (7,099 shares)
 (121)(121)
Balances at September 30, 2025$1,447 $301,184 $575,112 $(83,773)$(5,165)$0 $788,805 
 
See notes to unaudited consolidated financial statements
7

NOTES TO UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS
1. Business
Tompkins Financial Corporation ("Tompkins" or the "Company") is headquartered in Ithaca, New York and is registered as a Financial Holding Company with the Federal Reserve Board under the Bank Holding Company Act of 1956, as amended. The Company is a locally oriented, community-based financial services organization that offers a full array of products and services, including commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. At September 30, 2025, the Company had one wholly-owned banking subsidiary, Tompkins Community Bank. Tompkins Community Bank provides a full array of trust and wealth management services under the Tompkins Financial Advisors brand, including investment management, trust and estate, financial and tax planning as well as life, disability and long-term care insurance services. The Company also has a wholly-owned insurance agency subsidiary, Tompkins Insurance Agencies, Inc. ("Tompkins Insurance"). The Company’s principal offices are located at 118 E. Seneca Street, Ithaca, New York, 14850, and its telephone number is (888) 503-5753. The Company’s common stock is traded on the NYSE American under the symbol "TMP."
As a registered financial holding company, the Company is regulated under the Bank Holding Company Act of 1956 ("BHC Act"), as amended and is subject to examination and comprehensive regulation by the Federal Reserve Board ("FRB"). The Company is also subject to the jurisdiction of the Securities and Exchange Commission ("SEC") and is subject to disclosure and regulatory requirements under the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended. The Company is subject to the rules of the NYSE American for listed companies.
Tompkins Community Bank is subject to examination and comprehensive regulation by various regulatory authorities, including the Federal Deposit Insurance Corporation ("FDIC") and the New York State Department of Financial Services ("NYSDFS"). Each of these agencies issues regulations and requires the filing of reports describing the activities and financial condition of the entities under its jurisdiction. Likewise, such agencies conduct examinations on a recurring basis to evaluate the safety and soundness of those institutions, and to test compliance with various regulatory requirements, including: consumer protection, privacy, fair lending, the Community Reinvestment Act, the Bank Secrecy Act, sales of non-deposit investments, electronic data processing, and trust department activities. These agencies also examine and regulate the trust business of Tompkins Community Bank.
Tompkins Insurance is subject to examination and regulation by the NYSDFS and the Pennsylvania Insurance Department.
2. Basis of Presentation
The unaudited consolidated financial statements included in this quarterly report do not include all of the information and footnotes required by U.S. Generally Accepted Accounting Principles ("GAAP") for a full year presentation and certain disclosures have been condensed or omitted in accordance with rules and regulations of the SEC. In the application of certain accounting policies, management is required to make assumptions regarding the effect of matters that are inherently uncertain. These estimates and assumptions affect the reported amounts of certain assets, liabilities, revenues, and expenses in the unaudited consolidated financial statements. Different amounts could be reported under different conditions, or if different assumptions were used in the application of these accounting policies. The accounting policy that management considers critical in this respect is the determination of the allowance for credit losses.
In management’s opinion, the unaudited consolidated financial statements reflect all adjustments of a normal recurring nature. The results of operations for the interim periods are not necessarily indicative of the results of operations to be expected for the full year ended December 31, 2025. The unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements and the notes thereto in the Company’s Annual Report on Form 10-K for the year ended December 31, 2024.
Cash and cash equivalents in the consolidated statements of cash flow include cash and noninterest bearing balances due from banks, interest-bearing balances due from banks, and money market funds. Management regularly evaluates the credit risk associated with the counterparties to these transactions and believes that the Company is not exposed to any significant credit risk on cash and cash equivalents.
The Company has evaluated subsequent events for potential recognition and/or disclosure as of the date of these unaudited consolidated financial statements, and determined that no further disclosures were required.
The consolidated financial information included herein combines the results of operations, assets, liabilities, and shareholders’ equity of the Company and its subsidiaries. Amounts in the prior periods’ unaudited consolidated financial statements are
8

reclassified when necessary to conform to the current period’s presentation. All significant intercompany balances and transactions are eliminated in consolidation.
Newly Adopted Accounting Standards
ASU No. 2023-07, "Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures." The amendments in this update improve financial reporting by requiring disclosure of incremental segment information on an annual and interim basis. The amendments in this ASU are effective for the Company for fiscal years beginning after December 15, 2023 and interim periods within fiscal years beginning after December 15, 2024. Adoption did not have a significant effect on our financial statements or disclosures.

ASU No. 2024-02, "Codification Improvements," removes all references to FASB Concepts Statements from the FASB Accounting Standards Codification to simplify the Codification. The amendments in this ASU are effective for the Company for fiscal years beginning after December 15, 2024, including interim periods within those fiscal years. Adoption did not have a significant effect on our financial statements or disclosures.
Accounting Standards Pending Adoption
ASU No. 2023-06, "Disclosure Improvements," amends the disclosure or presentation requirements related to various subtopics in the FASB Accounting Standards Codification. The new guidance is intended to align GAAP requirements with those of the SEC. The ASU will become effective for each amendment on the earlier of the date on which the SEC's removal of its related disclosure requirement from Regulation S-X or Regulation S-K becomes effective, or June 30, 2027. Early adoption is prohibited. Adoption of ASU 2023 - 06 is not expected to have a material impact on our consolidated financial statements.
ASU No. 2023-09, "Income Taxes (Topic 740) - Improvements to Income Tax Disclosures." The amendments in this update relate to the rate reconciliation and income taxes paid disclosures to improve the transparency of income tax disclosures by requiring (1) consistent categories and greater disaggregation of information in the rate reconciliation and (2) income taxes paid disaggregated by jurisdiction. ASU 2023-09 is effective for fiscal years beginning after December 15, 2024. Tompkins is currently evaluating the potential impact of ASU 2023-09 on our consolidated financial statements.
ASU No. 2024-03, "Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses," requires new financial statement disclosures in tabular format, disaggregating information about prescribed categories underlying any relevant income statement expense captions, including employee compensation, depreciation, and intangible asset amortization. Tompkins is required to adopt this ASU prospectively for annual periods beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027. Early adoption and retrospective application are permitted.
The Company reviews new accounting standards as issued. Management has not identified any other new standards that it believes will have a material impact on the Company’s financial statements.
9

3. Securities
Available-for-Sale Debt Securities
The following tables summarize available-for-sale debt securities held by the Company at September 30, 2025 and December 31, 2024:
(In thousands)Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Fair Value
September 30, 2025
U.S. Treasuries$55,405 $222 $2,194 $53,433 
Obligations of U.S. Government sponsored entities363,764 5,989 12,753 357,000 
Obligations of U.S. states and political subdivisions81,888 10 5,632 76,266 
Mortgage-backed securities – residential, issued by
 U.S. Government agencies104,338 643 3,702 101,279 
 U.S. Government sponsored entities772,888 5,474 77,731 700,631 
U.S. corporate debt securities2,500 0 56 2,444 
Total available-for-sale debt securities$1,380,783 $12,338 $102,068 $1,291,053 
December 31, 2024
U.S. Treasuries$75,141 $140 $3,784 $71,497 
Obligations of U.S. Government sponsored entities398,648 2,008 20,376 380,280 
Obligations of U.S. states and political subdivisions86,328 4 8,638 77,694 
Mortgage-backed securities – residential, issued by
U.S. Government agencies68,130 3 4,879 63,254 
U.S. Government sponsored entities736,376 1,680 101,696 636,360 
U.S. corporate debt securities2,500 0 53 2,447 
Total available-for-sale debt securities$1,367,123 $3,835 $139,426 $1,231,532 
Held-to-Maturity Debt Securities
The following tables summarize held-to-maturity debt securities held by the Company at September 30, 2025 and December 31, 2024:
(In thousands)Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Fair Value
September 30, 2025
U.S. Treasuries$85,885 $0 $7,646 $78,239 
Obligations of U.S. Government sponsored entities226,625 0 23,240 203,385 
Total held-to-maturity debt securities$312,510 $0 $30,886 $281,624 
December 31, 2024
U.S. Treasuries$86,049 $0 $11,361 $74,688 
Obligations of U.S. Government sponsored entities226,413 0 33,806 192,607 
Total held-to-maturity debt securities$312,462 $0 $45,167 $267,295 
The Company may from time to time sell debt securities from its available-for-sale portfolio. There were no realized gains or losses on sales of available-for-sale debt securities for the three or nine months ended September 30, 2025, compared to realized gains of $50,300, and no realized losses, for the three or nine month periods ended September 30, 2024. The Company's investment portfolio includes callable securities that may be called prior to maturity. There were no realized gains or losses on called available-for-sale or held-to-maturity debt securities for the three or nine months ended September 30, 2025 and September 30, 2024. The Company recognized net gains on equity securities of $10,000 and $25,500 for the three and nine months ended September 30, 2025, respectively, compared to net gains of $34,700 and $14,300 for the three and nine months ended September 30, 2024, respectively, reflecting the change in fair value.
10

The following table summarizes available-for-sale debt securities that had unrealized losses at September 30, 2025, and December 31, 2024:
Less than 12 Months12 Months or LongerTotal
(In thousands)Fair ValueUnrealized LossesFair ValueUnrealized LossesFair ValueUnrealized Losses
September 30, 2025
U.S. Treasuries$0 $0 $38,655 $2,194 $38,655 $2,194 
Obligations of U.S. Government sponsored entities0 0 150,482 12,753 150,482 12,753 
Obligations of U.S. states and political subdivisions2,533 1 64,883 5,631 67,416 5,632 
Mortgage-backed securities – residential, issued by
U.S. Government agencies13,501 19 40,746 3,683 54,247 3,702 
U.S. Government sponsored entities29,898 266 492,286 77,465 522,184 77,731 
U.S. corporate debt securities0 0 2,444 56 2,444 56 
Total available-for-sale debt securities$45,932 $286 $789,496 $101,782 $835,428 $102,068 
December 31, 2024
U.S. Treasuries$0 $0 $57,019 $3,784 $57,019 $3,784 
Obligations of U.S. Government sponsored entities14,085 515 188,296 19,861 202,381 20,376 
Obligations of U.S. states and political subdivisions3,159 36 73,657 8,602 76,816 8,638 
Mortgage-backed securities – residential, issued by
U.S. Government agencies27,0828935,8794,79062,9614,879
U.S. Government sponsored entities32,063502523,353101,194555,416101,696
U.S. corporate debt securities0 0 2,447 53 2,447 53 
Total available-for-sale debt securities$76,389 $1,142 $880,651 $138,284 $957,040 $139,426 
The following table summarizes held-to-maturity debt securities that had unrealized losses at September 30, 2025 and December 31, 2024:
Less than 12 Months12 Months or LongerTotal
(In thousands)Fair ValueUnrealized LossesFair ValueUnrealized LossesFair ValueUnrealized Losses
September 30, 2025
U.S. Treasuries$0 $0 $78,239 $7,646 $78,239 $7,646 
Obligations of U.S. Government sponsored entities0 0 203,385 23,240 203,385 23,240 
Total held-to-maturity debt securities$0 $0 $281,624 $30,886 $281,624 $30,886 
December 31, 2024
U.S. Treasuries$0 $0 $74,688 $11,361 $74,688 $11,361 
Obligations of U.S. Government sponsored entities0 0 192,607 33,806 192,607 33,806 
Total held-to-maturity debt securities$0 $0 $267,295 $45,167 $267,295 $45,167 
The Company evaluates available-for-sale debt securities for expected credit losses ("ECL") in unrealized loss positions at each measurement date to determine whether the decline in the fair value below the amortized cost basis (impairment) is due to credit-related factors or noncredit-related factors.
11

Factors that may be indicative of ECL include, but are not limited to, the following:
•Extent to which the fair value is less than the amortized cost basis.
•Adverse conditions specifically related to the security, an industry, or geographic area (changes in technology, business practice).
•Payment structure of the debt security with respect to underlying issuer or obligor.
•Failure of the issuer to make scheduled payment of principal and/or interest.
•Changes to the rating of a security or issuer by a nationally recognized statistical rating organization.
•Changes in tax or regulatory guidelines that impact a security or underlying issuer.
For available-for-sale debt securities in an unrealized loss position, the Company evaluates the securities to determine whether the decline in the fair value below the amortized cost basis (technical impairment) is the result of changes in interest rates or reflects a fundamental change in the credit worthiness of the underlying issuer. Any impairment that is not credit related is recognized in other comprehensive income (loss), net of applicable taxes. Credit-related impairment is recognized as an allowance for credit losses ("ACL") on the Consolidated Statements of Condition, limited to the amount by which the amortized cost basis exceeds the fair value, with a corresponding adjustment to earnings. Both the ACL and the adjustment to net income may be reversed if conditions change.
Management measures expected credit losses on held-to-maturity debt securities on a collective basis by major security type with each type sharing similar risk characteristics and considers historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. Management has made the accounting policy election to exclude accrued interest receivable on held-to-maturity debt securities from the estimate of credit losses. As of September 30, 2025, the held-to-maturity portfolio consisted of U.S. Treasury securities and securities issued by U.S. government-sponsored enterprises, including the Federal National Mortgage Agency, the Federal Home Loan Bank ("FHLB") and the Federal Farm Credit Banks Funding Corporation. U.S. Treasury securities are backed by the full faith and credit of and/or guaranteed by the U.S. government, and it is expected that the securities will not be settled at prices less than the amortized cost bases of the securities. Securities issued by U.S. government agencies or U.S. government-sponsored enterprises carry the explicit and/or implicit guarantee of the U.S. government, are widely recognized as "risk-free," and have a long history of zero credit loss. As such, the Company did not record an allowance for credit losses for these securities as of September 30, 2025 or December 31, 2024.
The gross unrealized losses reported for residential mortgage-backed securities relate to investment securities issued by U.S. government sponsored entities such as Federal National Mortgage Association, Federal Home Loan Mortgage Corporation, and U.S. government agencies such as Government National Mortgage Association. The total gross unrealized losses, shown in the tables above, were primarily attributable to changes in interest rates and levels of market liquidity, relative to when the investment securities were purchased, and not due to the credit-related quality of the investment securities. The Company does not have the intent to sell these securities and does not believe it is more likely than not that the Company will be required to sell these securities before a recovery of amortized cost.
The amortized cost and estimated fair value of debt securities by contractual maturity are shown in the following table. Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Mortgage-backed securities are shown separately since they are not due at a single maturity date.
September 30, 2025December 31, 2024
(In thousands)Amortized CostFair ValueAmortized CostFair Value
Available-for-sale debt securities:
Due in one year or less$69,215 $69,378 $100,000 $99,153 
Due after one year through five years244,576 236,589 227,502 215,976 
Due after five years through ten years188,503 182,170 212,789 199,457 
Due after ten years1,263 1,006 22,326 17,332 
Total503,557 489,143 562,617 531,918 
Mortgage-backed securities877,226 801,910 804,506 699,614 
Total available-for-sale debt securities$1,380,783 $1,291,053 $1,367,123 $1,231,532 
12

September 30, 2025December 31, 2024
(In thousands)Amortized CostFair ValueAmortized CostFair Value
Held-to-maturity debt securities:
Due after one year through five years$174,885 $159,274 $117,283 $102,173 
Due after five years through ten years137,625 122,350 195,179 165,122 
Total held-to-maturity debt securities$312,510 $281,624 $312,462 $267,295 
The Company also holds non-marketable Federal Home Loan Bank of New York ("FHLBNY") stock and non-marketable Atlantic Community Bankers Bank ("ACBB") stock, all of which are required to be held for regulatory purposes and for borrowing availability. The required investment in FHLB stock is tied to the Company’s borrowing levels with the FHLB. Holdings of FHLBNY stock and ACBB stock totaled $27.0 million and $95,000, respectively, at September 30, 2025. These securities are carried at par, which is also cost. The FHLBNY continues to pay dividends and repurchase stock. Quarterly, we evaluate our investment in the FHLB for impairment. We evaluate recent and long-term operating performance, liquidity, funding and capital positions, stock repurchase history, dividend history and impact of legislative and regulatory changes. Based on our most recent evaluation, as of September 30, 2025, we determined that no impairment write-downs were required.
4. Loans and Leases
Loans and leases at September 30, 2025 and December 31, 2024 were as follows:
(In thousands)9/30/202512/31/2024
Commercial and industrial
Agriculture$101,797 $110,007 
Commercial and industrial other938,601 855,568 
Subtotal commercial and industrial1,040,398 965,575 
Commercial real estate
Construction381,678 385,931 
Agriculture226,656 217,582 
Commercial real estate other2,964,330 2,776,304 
Subtotal commercial real estate3,572,664 3,379,817 
Residential real estate
Home equity222,202 204,194 
Mortgages1,357,654 1,366,646 
Subtotal residential real estate1,579,856 1,570,840 
Consumer and other
Indirect90 229 
Consumer and other88,773 96,163 
Subtotal consumer and other88,863 96,392 
Leases10,936 12,484 
Total loans and leases6,292,717 6,025,108 
Less: unearned income and deferred costs and fees(4,646)(5,186)
Total loans and leases, net of unearned income and deferred costs and fees$6,288,071 $6,019,922 
The Company has adopted comprehensive lending policies, underwriting standards and loan review procedures. Management reviews these policies and procedures on a regular basis. The Company discussed its lending policies and underwriting guidelines for its various lending portfolios in Note 3 – "Loans and Leases" in the Notes to Consolidated Financial Statements contained in the Company’s Annual Report on Form 10-K for the year ended December 31, 2024. There have been no significant changes in these policies and guidelines since the date of that report. As such, these policies are reflective of new originations as well as those balances held at December 31, 2024. The Company’s Board of Directors approves the lending policies at least annually. The Company recognizes that exceptions to policy guidelines may occasionally occur and has established procedures for approving exceptions to these policy guidelines. Management has also implemented reporting
13

systems to monitor loan origination, loan quality, concentrations of credit, loan delinquencies and nonperforming loans and potential problem loans.
Loans are considered past due if the required principal and interest payments have not been received as of the date such payments are due. Generally loans are placed on nonaccrual status if principal or interest payments become 90 days or more past due and/or management deems the collectability of the principal and/or interest to be in question as well as when required by regulatory agencies. When interest accrual is discontinued, all unpaid accrued interest is reversed. Payments received on loans on nonaccrual are generally applied to reduce the principal balance of the loan. Loans are generally returned to accrual status when all the principal and interest amounts due are brought current, the borrower has established a payment history, and future payments are reasonably assured. When management determines that the collection of principal in full is not probable, management will charge-off a partial amount or full amount of the loan balance. Management considers specific facts and circumstances relative to each individual credit in making such a determination. For residential and consumer loans, management uses specific regulatory guidance and thresholds for determining charge-offs.
The below tables are an age analysis of past due loans, segregated by class of loans and leases, as of September 30, 2025 and December 31, 2024:
(In thousands)30-59 Days60-89 Days90 Days or MoreTotal Past DueCurrent LoansTotal Loans
September 30, 2025
Commercial and industrial
Agriculture$5 $0 $0 $5 $101,792 $101,797
Commercial and industrial other3,268 388 2,903 6,559 932,042 938,601 
Subtotal commercial and industrial3,273 388 2,903 6,564 1,033,834 1,040,398 
Commercial real estate
Construction0 1,360 17,302 18,662 363,016 381,678
Agriculture0 140 0 140 226,516 226,656
Commercial real estate other172 214 12,857 13,243 2,951,087 2,964,330
Subtotal commercial real estate172 1,714 30,159 32,045 3,540,619 3,572,664 
Residential real estate
Home equity47 0 2,065 2,112 220,090 222,202
Mortgages0 1,761 9,542 11,303 1,346,351 1,357,654
Subtotal residential real estate47 1,761 11,607 13,415 1,566,441 1,579,856 
Consumer and other
Indirect3 1 4 8 82 90
Consumer and other394 88 183 665 88,108 88,773
Subtotal consumer and other397 89 187 673 88,190 88,863 
Leases0 0 0 0 10,936 10,936 
Total loans and leases3,889 3,952 44,856 52,697 6,240,020 6,292,717 
Less: unearned income and deferred costs and fees0 0 0 0 (4,646)(4,646)
Total loans and leases, net of unearned income and deferred costs and fees$3,889 $3,952 $44,856 $52,697 $6,235,374 $6,288,071 
14

(In thousands)30-59 Days60-89 Days90 Days or MoreTotal Past DueCurrent LoansTotal Loans
December 31, 2024
Commercial and industrial
Agriculture$0 $0 $0 $0 $110,007 $110,007 
Commercial and industrial other3,944 32 684 4,660 850,908 855,568 
Subtotal commercial and industrial3,944 32 684 4,660 960,915 965,575 
Commercial real estate
Construction1,120 17,400 0 18,520 367,411 385,931 
Agriculture81 0 0 81 217,501 217,582 
Commercial real estate other0 1,605 11,966 13,571 2,762,733 2,776,304 
Subtotal commercial real estate1,201 19,005 11,966 32,172 3,347,645 3,379,817 
Residential real estate
Home equity955 91 1,811 2,857 201,337 204,194 
Mortgages0 2,836 9,257 12,093 1,354,553 1,366,646 
Subtotal residential real estate955 2,927 11,068 14,950 1,555,890 1,570,840 
Consumer and other
Indirect3 2 7 12 217 229 
Consumer and other430 329 354 1,113 95,050 96,163 
Subtotal consumer and other433 331 361 1,125 95,267 96,392 
Leases0 0 0 0 12,484 12,484 
Total loans and leases6,533 22,295 24,079 52,907 5,972,201 6,025,108 
Less: unearned income and deferred costs and fees0 0 0 0 (5,186)(5,186)
Total loans and leases, net of unearned income and deferred costs and fees$6,533 $22,295 $24,079 $52,907 $5,967,015 $6,019,922 
15

The following tables present the amortized cost basis of loans and leases on nonaccrual status and the amortized cost basis of loans on nonaccrual status for which there was no related allowance for credit losses. The below tables are an age analysis of nonaccrual loans segregated by class of loans and leases, as of September 30, 2025 and December 31, 2024:
(In thousands)Nonaccrual Loans and Leases with no ACLNonaccrual Loans and LeasesLoans and Leases Past Due Over 89 Days and AccruingNonaccrual Loans and Leases with no ACLNonaccrual Loans and LeasesLoans and Leases Past Due Over 89 Days and Accruing
September 30, 2025December 31, 2024
Commercial and industrial
Agriculture$0 $0 $0 $0 $519 $0 
Commercial and industrial other0 4,978 0 0 1,023 0 
Subtotal commercial and industrial0 4,978 0 0 1,542 0 
Commercial real estate
Construction0 17,302 0 0 0 0 
Agriculture0 95 0 0 129 0 
Commercial real estate other6,543 13,725 0 24,179 32,461 0 
Subtotal commercial real estate6,543 31,122 0 24,179 32,590 0 
Residential real estate
Home equity232 2,700 0 610 2,889 0 
Mortgages2,272 13,911 1 1,338 13,389 9 
Subtotal residential real estate2,504 16,611 1 1,948 16,278 9 
Consumer and other
Indirect0 4 0 0 13 0 
Consumer and other0 90 165 0 125 314 
Subtotal consumer and other0 94 165 0 138 314 
Leases0 0 0 0 0 0 
Total loans and leases$9,047 $52,805 $166 $26,127 $50,548 $323 
The Company did not recognize any interest income on nonaccrual loans during the three and nine months ended September 30, 2025 and 2024.
5. Allowance for Credit Losses
Management reviews the appropriateness of the ACL on a regular basis. Management considers the accounting policy relating to the allowance to be a critical accounting policy, given the inherent uncertainty in evaluating the levels of the allowance required to cover credit losses in the portfolio and the material effect that assumptions could have on the Company’s results of operations. The Company has developed a methodology to measure the amount of estimated credit loss exposure inherent in the loan portfolio to assure that an appropriate allowance is maintained. The Company’s methodology is based upon guidance provided in SEC Staff Accounting Bulletin No. 119, Measurement of Credit Losses on Financial Instruments ("CECL"), and Financial Instruments - Credit Losses and ASC Topic 326, Financial Instruments - Credit Losses.
The Company uses a Discounted Cash Flow ("DCF") method to estimate expected credit losses for all loan segments excluding the leasing segment. For each of these loan segments, the Company generates cash flow projections at the instrument level wherein payment expectations are adjusted for estimated prepayment speed, curtailments, recovery lag, probability of default, and loss given default. The modeling of expected prepayment speeds, curtailment rates, and time to recovery are based on internal historical data.
The Company uses regression analysis of historical internal and peer data to determine suitable loss drivers to utilize when modeling lifetime probability of default and loss given default. This analysis also determines how expected probability of default and loss given default will react to forecasted levels of the loss drivers. For all loans utilizing the DCF method, management utilizes forecasts of national unemployment and a one year percentage change in national gross domestic product as loss drivers in the model.
16

For all DCF models, management has determined that four quarters represents a reasonable and supportable forecast period and reverts back to a historical loss rate over eight quarters on a straight-line basis. Management leverages economic projections from a reputable and independent third party to inform its loss driver forecasts over the four-quarter forecast period. Other internal and external indicators of economic forecasts, and scenario weightings, are also considered by management when developing the forecast metrics.
Due to the size and characteristics of the leasing portfolio, the Company uses the remaining life method, using the historical loss rate of the commercial and industrial segment, to determine the allowance for credit losses.
The combination of adjustments for credit expectations and timing expectations produces an expected cash flow stream at the instrument level. Instrument effective yield is calculated, net of the impacts of prepayment assumptions, and the instrument expected cash flows are then discounted at that effective yield to produce a net present value of expected cash flows ("NPV"). An ACL is established for the difference between the NPV and amortized cost basis.
Since the methodology is based upon historical experience and trends, current conditions, and reasonable and supportable forecasts, as well as management’s judgment, factors may arise that result in different estimates. While management’s evaluation of the allowance as of September 30, 2025 considers the allowance to be appropriate, under certain conditions or assumptions, the Company would need to increase or decrease the allowance. In addition, various federal and State regulatory agencies, as part of their examination process, review the Company's allowance and may require the Company to recognize additions to the allowance based on their judgments and information available to them at the time of their examinations.
Loan Commitments and Allowance for Credit Losses on Off-Balance Sheet Credit Exposures
Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit. The Company's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for off-balance sheet loan commitments is represented by the contractual amount of those instruments. Such financial instruments are recorded when they are funded. The Company records an allowance for credit losses on off-balance sheet credit exposures, unless the commitments to extend credit are unconditionally cancellable, through a charge to credit loss expense for off-balance sheet credit exposures included in provision expense in the Company's consolidated statements of income.
The following tables detail activity in the allowance for credit losses on loans for the three and nine months ended September 30, 2025 and 2024. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
(In thousands)Commercial
& Industrial		Commercial
Real Estate		Residential
Real Estate		Consumer
and Other		Finance
Leases		Total
Three Months Ended September 30, 2025
Allowance for credit losses:
Beginning balance$9,160$35,765$12,065$1,509$56$58,555
Charge-offs(738)00(595)0(1,333)
Recoveries180551400213
Provision (credit) for credit loss expense3,092360(1,242)245(1)2,454
Ending Balance$11,532$36,125$10,878$1,299$55$59,889
Three Months Ended September 30, 2024
Allowance for credit losses:
Beginning balance$7,412$32,559 $11,569 $1,451 $68 $53,059 
Charge-offs(253)0 0 (796)0 (1,049)
Recoveries113 5 118 0 137 
Provision (credit) for credit loss expense4441,302 802 694 (5)3,237 
Ending Balance$7,614$33,864 $12,376 $1,467 $63 $55,384 
17

(In thousands)Commercial
& Industrial		Commercial
Real Estate		Residential
Real Estate		Consumer
and Other		Finance
Leases		Total
Nine Months Ended September 30, 2025
Allowance for credit losses:
Beginning balance$7,684$35,837 $11,345 $1,568 $62 $56,496 
Charge-offs(936)(4,882)0 (1,892)0 (7,710)
Recoveries694 90 440 0 603 
Provision (credit) for credit loss expense4,7155,166 (557)1,183 (7)10,500 
Ending Balance$11,532$36,125 $10,878 $1,299 $55 $59,889 
Nine Months Ended September 30, 2024
Allowance for credit losses:
Beginning balance$6,667$31,581 $11,700 $1,557 $79 $51,584 
Charge-offs(283)0 0 (1,867)0 (2,150)
Recoveries296 130 336 0 501 
Provision (credit) for credit loss expense1,2012,277 546 1,441 (16)5,449 
Ending Balance$7,614$33,864 $12,376 $1,467 $63 $55,384 
During the second quarter of 2025, the Company recorded a partial charge-off of $4.7 million related to one commercial real estate relationship totaling $18.1 million. Subsequent to the partial charge-off that decreased the net value of the underlying collateral to fair value, interests in the underlying real property collateral were transferred to a limited liability company in which the Company holds a minority interest. The Company's investment in the limited liability company is accounted for as an equity method investment and included in other assets on the Company's Consolidated Statements of Condition.
The following tables detail activity in the liabilities for off-balance sheet credit exposures for the three and nine months ended September 30, 2025 and 2024:
(In thousands)20252024
Three Months Ended September 30,
Liabilities for off-balance sheet credit exposures at beginning of period$1,484 $3,084 
Provision (Credit) for credit loss expense related to off-balance sheet credit exposures36 (1,063)
Liabilities for off-balance sheet credit exposures at end of period$1,520 $2,021 
Nine Months Ended September 30,
Liabilities for off-balance sheet credit exposures at beginning of period$1,463 $2,270 
Provision for credit loss expense related to off-balance sheet credit exposures57 (249)
Liabilities for off-balance sheet credit exposures at end of period$1,520 $2,021 
The following tables present the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses, and the related allowance for credit losses allocated to these loans, as of September 30, 2025 and December 31, 2024:
(In thousands)Real EstateBusiness AssetsOtherTotalACL Allocation
September 30, 2025
Commercial and Industrial$482 $0 $0 $482 $250 
Commercial Real Estate29,163 0 0 29,163 2,797 
Total Loans and Leases$29,645 $0 $0 $29,645 $3,047 
December 31, 2024
Commercial and Industrial$610 $0 $0 $610 $0 
Commercial Real Estate31,051 0 0 31,051 1,712 
Total Loans and Leases$31,661 $0 $0 $31,661 $1,712 
18

Loan Modifications to Borrowers Experiencing Financial Difficulty
The Company from time to time modifies loans to borrowers experiencing financial difficulty. The modifications may include interest rate reductions, principal or interest forgiveness, forbearances, term extensions, and other actions intended to minimize economic loss and to avoid foreclosure or repossession of collateral.
The following table shows the amortized cost basis as of September 30, 2025 and December 31, 2024 of the modified loans to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of concession granted:
(In thousands)Term ExtensionInterest Rate ReductionPayment Delay and Term ExtensionTerm Extension and Interest Rate ReductionPayment DelayTotal% of Total Class of Loans and Leases
September 30, 2025
Commercial and Industrial
Commercial and industrial other$89 $420 $0 $0 $0 $509 0.05 %
Subtotal commercial and industrial89 420 0 0 0 509 0.05 %
Commercial Real Estate
Commercial real estate other0 2,891 0 0 385 3,276 0.11 %
Subtotal commercial real estate0 2,891 0 0 385 3,276 0.09 %
Residential
Home equity0 0 0 50 0 50 0.02 %
Mortgages0 0 0 109 970 1,079 0.08 %
Subtotal residential0 0 0 159 970 1,129 0.07 %
Consumer
Consumer and other23 0 0 0 0 23 0.03 %
Subtotal consumer23 0 0 0 0 23 0.03 %
Total loans and leases$112 $3,311 $0 $159 $1,355 $4,937 0.08 %
(In thousands)Term ExtensionInterest Rate ReductionPayment Delay and Term ExtensionTerm Extension and Interest Rate ReductionPayment DelayTotal% of Total Class of Loans and Leases
December 31, 2024
Commercial and Industrial
Commercial and industrial other$10 $463 $0 $110 $45 $628 0.07 %
Subtotal commercial and industrial10 463 0 110 45 628 0.07 %
Commercial Real Estate
Commercial real estate other0 2,990 0 0 394 3,384 0.12 %
Subtotal commercial real estate0 2,990 0 0 394 3,384 0.10 %
Residential
Home equity0 0 0 40 0 40 0.02 %
Mortgages0 0 0 112 548 660 0.05 %
Subtotal residential0 0 0 152 548 700 0.04 %
Consumer
Consumer and other22 0 0 0 0 22 0.02 %
Subtotal consumer22 0 0 0 0 22 0.02 %
Total loans and leases$32 $3,453 $0 $262 $987 $4,734 0.08 %
19

There were no loan modifications made to borrowers experiencing financial difficulty that defaulted during the three and nine months ended September 30, 2025 and December 31, 2024.
The following table shows the aging analysis of loan modifications made to borrowers experiencing financial difficulty as of September 30, 2025 and December 31, 2024:
Payment Status (Amortized Cost Basis)
(In thousands)Current30-59 Days Past Due60-89 Days Past Due90+ Days Past DueNon-AccrualTotal
September 30, 2025
Commercial and Industrial
Commercial and industrial other$505 $0 $0 $0 $4 $509 
Subtotal commercial and industrial505 0 0 0 4 509 
Commercial Real Estate
Commercial real estate other3,276 0 0 0 0 3,276 
Subtotal commercial real estate3,276 0 0 0 0 3,276 
Residential Real Estate
Home equity50 0 0 0 0 50 
Mortgages261 0 0 0 818 1,079 
Subtotal residential real estate311 0 0 0 818 1,129 
Consumer and Other
Consumer and other23 0 0 0 0 23 
Subtotal consumer and other23 0 0 0 0 23 
Total$4,115 $0 $0 $0 $822 $4,937 
Payment Status (Amortized Cost Basis)
(In thousands)Current30-59 Days Past Due60-89 Days Past Due90+ Days Past DueNon-AccrualTotal
December 31, 2024
Commercial and Industrial
Commercial and industrial other$618 $0 $0 $0 $10 $628 
Subtotal commercial and industrial618 0 0 0 10 628 
Commercial Real Estate
Commercial real estate other3,384 0 0 0 0 3,384 
Subtotal commercial real estate3,384 0 0 0 0 3,384 
Residential Real Estate
Home equity0 0 0 0 40 40 
Mortgages154 0 112 0 394 660 
Subtotal residential real estate154 0 112 0 434 700 
Consumer and Other
Consumer and other0 0 0 0 22 22 
Subtotal consumer and other0 0 0 0 22 22 
Total$4,156 $0 $112 $0 $466 $4,734 
20

The following tables present credit quality indicators by total loans on an amortized cost basis by origination year as of September 30, 2025 and December 31, 2024:
September 30, 2025
(In thousands)20252024202320222021PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Commercial and Industrial - Other:
Pass$116,818 $160,017 $100,931 $55,850 $41,891 $157,356 $250,115 $3,075 $886,053 
Special Mention130 485 1,301 21,217 57 1,501 23,626 0 48,317 
Substandard0 447 196 0 427 456 2,515 190 4,231 
Total Commercial and Industrial - Other$116,948 $160,949 $102,428 $77,067 $42,375 $159,313 $276,256 $3,265 $938,601 
Current-period gross writeoffs$138 $380 $85 $66 $254 $13 $0 $0 $936 
Commercial and Industrial - Agriculture:
Pass$9,959 $11,862 $24,477 $8,204 $1,698 $6,815 $38,344 $383 $101,742 
Special Mention0 0 0 0 26 0 0 0 26 
Substandard0 0 0 0 0 29 0 0 29 
Total Commercial and Industrial - Agriculture$9,959 $11,862 $24,477 $8,204 $1,724 $6,844 $38,344 $383 $101,797 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate
Pass$265,343 $323,283 $266,662 $332,272 $354,721 $1,251,036 $66,634 $30,415 $2,890,366 
Special Mention6,500 0 0 1,479 580 31,336 0 0 39,895 
Substandard0 399 927 1,149 1,462 29,301 831 0 34,069 
Total Commercial Real Estate$271,843 $323,682 $267,589 $334,900 $356,763 $1,311,673 $67,465 $30,415 $2,964,330 
Current-period gross writeoffs$0 $0 $0 $0 $2,000 $2,884 $0 $0 $4,884 
Commercial Real Estate - Agriculture:
Pass$13,648 $24,237 $11,641 $39,874 $20,694 $107,171 $6,944 $2,156 $226,365 
Special Mention0 0 0 0 0 160 0 0 160 
Substandard0 0 0 0 0 131 0 0 131 
Total Commercial Real Estate - Agriculture$13,648 $24,237 $11,641 $39,874 $20,694 $107,462 $6,944 $2,156 $226,656 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate - Construction
Pass$6,195 $34,179 $6,622 $1,846 $14,376 $321 $297,581 $3,256 $364,376 
Special Mention0 0 0 0 0 0 0 0 0 
Substandard0 0 0 0 0 0 17,302 0 17,302 
Total Commercial Real Estate - Construction$6,195 $34,179 $6,622 $1,846 $14,376 $321 $314,883 $3,256 $381,678 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
21

(In thousands)20252024202320222021PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Residential - Home Equity
Performing$2,249 $16,294 $3,547 $2,937 $1,499 $15,364 $176,477 $1,135 $219,502 
Nonperforming0 0 0 57 0 634 2,009 0 2,700 
Total Residential - Home Equity$2,249 $16,294 $3,547 $2,994 $1,499 $15,998 $178,486 $1,135 $222,202 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Residential - Mortgages
Performing$75,438 $107,485 $123,351 $162,612 $225,756 $649,101 $0 $0 $1,343,743 
Nonperforming0 188 886 1,055 1,274 10,508 0 0 13,911 
Total Residential - Mortgages$75,438 $107,673 $124,237 $163,667 $227,030 $659,609 $0 $0 $1,357,654 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Consumer - Direct
Performing$33,180 $12,532 $12,363 $7,975 $7,246 $13,174 $2,213 $0 $88,683 
Nonperforming0 0 20 10 0 58 2 0 90 
Total Consumer - Direct$33,180 $12,532 $12,383 $7,985 $7,246 $13,232 $2,215 $0 $88,773 
Current-period gross writeoffs$1,789 $7 $0 $17 $17 $51 $0 $0 $1,881 
Consumer - Indirect
Performing$0 $0 $0 $0 $24 $62 $0 $0 $86 
Nonperforming0 0 0 0 0 4 0 0 4 
Total Consumer - Indirect$0 $0 $0 $0 $24 $66 $0 $0 $90 
Current-period gross writeoffs$0 $0 $0 $0 $0 $10 $0 $0 $10 
22

December 31, 2024
(In thousands)20242023202220212020PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Commercial and Industrial - Other:
Pass$164,809 $114,591 $60,984 $54,087 $19,311 $144,785 $256,621 $35,968 $851,156 
Special Mention334 288 174 808 144 375 157 0 2,280 
Substandard425 0 41 43 4 608 1,011 0 2,132 
Total Commercial and Industrial - Other$165,568 $114,879 $61,199 $54,938 $19,459 $145,768 $257,789 $35,968 $855,568 
Current-period gross writeoffs$0 $15 $30 $44 $21 $432 $0 $0 $542 
Commercial and Industrial - Agriculture:
Pass$15,686 $23,823 $9,893 $2,233 $1,660 $11,304 $42,438 $2,895 $109,932 
Special Mention0 0 0 34 0 0 0 0 34 
Substandard0 0 0 0 41 0 0 0 41 
Total Commercial and Industrial - Agriculture$15,686 $23,823 $9,893 $2,267 $1,701 $11,304 $42,438 $2,895 $110,007 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate
Pass$331,943 $242,564 $324,510 $355,090 $277,220 $1,088,575 $50,632 $16,958 $2,687,492 
Special Mention0 0 1,499 599 15,205 12,637 4,452 0 34,392 
Substandard731 973 1,474 2,561 1,840 45,856 985 0 54,420 
Total Commercial Real Estate$332,674 $243,537 $327,483 $358,250 $294,265 $1,147,068 $56,069 $16,958 $2,776,304 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate - Agriculture:
Pass$23,754 $11,594 $37,398 $21,510 $19,853 $96,967 $4,169 $1,950 $217,195 
Special Mention0 0 0 0 0 217 0 0 217 
Substandard0 0 0 0 0 170 0 0 170 
Total Commercial Real Estate - Agriculture$23,754 $11,594 $37,398 $21,510 $19,853 $97,354 $4,169 $1,950 $217,582 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate - Construction
Pass$13,160 $744 $682 $5,003 $1,986 $802 $293,479 $52,675 $368,531 
Special Mention0 0 0 0 0 0 0 0 0 
Substandard0 0 0 0 0 0 17,400 0 17,400 
Total Commercial Real Estate - Construction$13,160 $744 $682 $5,003 $1,986 $802 $310,879 $52,675 $385,931 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
23

(In thousands)20242023202220212020PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Residential - Home Equity
Performing$15,181 $3,106 $2,383 $1,053 $784 $12,993 $163,202 $2,603 $201,305 
Nonperforming0 0 0 0 0 594 2,295 0 2,889 
Total Residential - Home Equity$15,181 $3,106 $2,383 $1,053 $784 $13,587 $165,497 $2,603 $204,194 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Residential - Mortgages
Performing$106,698 $130,463 $172,310 $239,307 $204,310 $500,169 $0 $0 $1,353,257 
Nonperforming0 707 612 737 948 10,385 0 0 13,389 
Total Residential - Mortgages$106,698 $131,170 $172,922 $240,044 $205,258 $510,554 $0 $0 $1,366,646 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Consumer - Direct
Performing$40,812 $18,082 $10,022 $9,109 $3,953 $11,485 $2,575 $0 $96,038 
Nonperforming0 4 24 8 4 77 8 0 125 
Total Consumer - Direct$40,812 $18,086 $10,046 $9,117 $3,957 $11,562 $2,583 $0 $96,163 
Current-period gross writeoffs$2,272 $15 $11 $32 $10 $229 $0 $0 $2,569 
Consumer - Indirect
Performing$0 $0 $0 $52 $23 $141 $0 $0 $216 
Nonperforming0 0 0 0 0 13 0 0 13 
Total Consumer - Indirect$0 $0 $0 $52 $23 $154 $0 $0 $229 
Current-period gross writeoffs$0 $0 $0 $0 $0 $29 $0 $0 $29 
6. Earnings Per Share
Earnings per share in the table below, for the three and nine month periods ended September 30, 2025 and 2024 are calculated under the two-class method as required by ASC Topic 260, Earnings Per Share (ASC 260). ASC 260 provides that unvested share-based payment awards that contain nonforfeitable rights to dividends are participating securities and shall be included in the computation of earnings per share pursuant to the two-class method. Prior to 2019, the Company issued restricted stock awards that contained such rights and are therefore considered participating securities. Since 2019, the Company has issued restricted stock awards that do not have nonforfeitable rights to dividends and are therefore not considered participating securities. Basic earnings per common share are calculated by dividing net income allocable to common stock by the weighted average number of common shares, excluding participating securities, during the period. Diluted earnings per common share include the dilutive effect of participating securities.
24

Three Months EndedNine Months Ended
(In thousands, except share and per share data)9/30/20259/30/20249/30/20259/30/2024
Basic
Net income available to common shareholders$23,673 $18,638 $64,823 $51,192 
Less: income attributable to unvested stock-based compensation awards0 0 0 0 
Net earnings allocated to common shareholders23,673 18,638 64,823 51,192 
Weighted average shares outstanding, including unvested stock-based compensation awards14,431,376 14,394,900 14,433,278 14,399,961 
Less: average unvested stock-based compensation awards(182,843)(179,293)(186,267)(185,949)
Weighted average shares outstanding - Basic14,248,533 14,215,607 14,247,011 14,214,012 
Diluted
Net earnings allocated to common shareholders23,673 18,638 64,823 51,192 
Weighted average shares outstanding - Basic14,248,533 14,215,607 14,247,011 14,214,012 
Plus: incremental shares from assumed conversion of stock-based compensation awards96,686 67,648 81,239 39,716 
Weighted average shares outstanding - Diluted14,345,219 14,283,255 14,328,249 14,253,728 
Basic EPS$1.66 $1.31 $4.55 $3.60 
Diluted EPS$1.65 $1.30 $4.52 $3.59 
Stock-based compensation awards representing 134 and 2,157 common shares during the three months ended September 30, 2025 and 2024, respectively, were not included in the computations of diluted earnings per common share because the effect on those periods would have been anti-dilutive.
Stock-based compensation awards representing approximately 8,764 and 47,919 common shares during the nine months ended September 30, 2025 and 2024, respectively were not included in the computations of diluted earnings per common share because the effect on those periods would have been anti-dilutive.
7. Other Comprehensive Income (Loss)
The following tables present reclassifications out of accumulated other comprehensive income (loss) for the three and nine month periods ended September 30, 2025 and 2024:
Three Months Ended September 30, 2025
(In thousands)Before-Tax
Amount		Tax (Expense)
Benefit		Net of Tax
Available-for-sale debt securities:
Change in net unrealized (loss) gain during the period$14,980 $(3,745)$11,235 
Reclassification adjustment for net realized loss on sale of available-for-sale debt securities included in net income (loss)0 0 0 
Net unrealized gains14,980 (3,745)11,235 
Employee benefit plans:
Amortization of net retirement plan actuarial gain (loss)95 (24)71 
Amortization of net retirement plan prior service cost49 (13)36 
Employee benefit plans144 (37)107 
Other comprehensive income$15,124 $(3,782)$11,342 
25

Three Months Ended September 30, 2024
(In thousands)Before-Tax
Amount		Tax (Expense)
Benefit		Net of Tax
Available-for-sale debt securities:
Change in net unrealized (loss) gain during the period$45,431 $(11,131)$34,300 
Reclassification adjustment for net realized loss on sale of available-for-sale debt securities included in net income (loss)(50)12 (38)
Net unrealized losses45,381 (11,119)34,262 
Employee benefit plans:
Amortization of net retirement plan actuarial gain (loss)229 (56)173 
Amortization of net retirement plan prior service cost45 (10)35 
Employee benefit plans274 (66)208 
Other comprehensive income$45,655 $(11,185)$34,470 
Nine Months Ended September 30, 2025
(In thousands)Before-Tax
Amount		Tax (Expense)
Benefit		Net of Tax
Available-for-sale debt securities:
Change in net unrealized gain (loss) during the period$45,861 $(11,465)$34,396 
Reclassification adjustment for net realized gains on sale of available-for-sale debt securities included in net income0 0 0 
Net unrealized losses45,861 (11,465)34,396 
Employee benefit plans:
Amortization of net retirement plan actuarial loss285 (72)213 
Amortization of net retirement plan prior service cost147 (37)110 
Employee benefit plans432 (109)323 
Other comprehensive income$46,293 $(11,574)$34,719 
Nine Months Ended September 30, 2024
(In thousands)Before-Tax
Amount		Tax (Expense)
Benefit		Net of Tax
Available-for-sale debt securities:
Change in net unrealized gain (loss) during the period$30,756 $(7,535)$23,221 
Reclassification adjustment for net realized loss on sale of available-for-sale debt securities included in net income(50)12 (38)
Net unrealized gains/losses30,706 (7,523)23,183 
Employee benefit plans:
Amortization of net retirement plan actuarial loss686 (168)518 
Amortization of net retirement plan prior service cost137 (33)104 
Employee benefit plans823 (201)622 
Other comprehensive income$31,529 $(7,724)$23,805 
26

The following table presents the activity in our accumulated other comprehensive (loss) income for the periods indicated:
(In thousands)Available-for-
Sale Debt Securities		Employee
Benefit Plans		Accumulated
Other
Comprehensive
(Loss) Income
Balance at July 1, 2025$(78,533)$(16,582)$(95,115)
Other comprehensive income before reclassifications11,235 0 11,235 
Amounts reclassified from accumulated other comprehensive (loss) income0 107 107 
Net current-period other comprehensive income11,235 107 11,342 
Balance at September 30, 2025$(67,298)$(16,475)$(83,773)
Balance at January 1, 2025$(101,694)$(16,798)$(118,492)
Other comprehensive income before reclassifications34,396 0 34,396 
Amounts reclassified from accumulated other comprehensive (loss) income0 323 323 
Net current-period other comprehensive income34,396 323 34,719 
Balance at September 30, 2025$(67,298)$(16,475)$(83,773)
(In thousands)Available-for-
Sale Debt Securities		Employee
Benefit Plans		Accumulated
Other
Comprehensive
(Loss) Income
Balance at July 1, 2024$(110,614)$(25,056)$(135,670)
Other comprehensive loss before reclassifications34,300 0 34,300 
Amounts reclassified from accumulated other comprehensive (loss) income(38)208 170 
Net current-period other comprehensive (loss) income34,262 208 34,470 
Balance at September 30, 2024$(76,352)$(24,848)$(101,200)
Balance at January 1, 2024$(99,535)$(25,470)$(125,005)
Other comprehensive loss before reclassifications23,221 0 23,221 
Amounts reclassified from accumulated other comprehensive (loss) income(38)622 584 
Net current-period other comprehensive income (loss)23,183 622 23,805 
Balance at September 30, 2024$(76,352)$(24,848)$(101,200)
27

The following tables present the amounts reclassified out of each component of accumulated other comprehensive (loss) income for the three and nine months ended September 30, 2025 and 2024:
Three Months Ended September 30, 2025
Details about Accumulated other Comprehensive Income (Loss) Components (In thousands)
Amount
Reclassified from
Accumulated
Other
Comprehensive
(Loss) Income1
Affected Line Item in the
Statement Where Net Income is
Presented
Available-for-sale debt securities:
Unrealized gains and losses on available-for-sale debt securities$0 Net gain (loss) on securities transactions
0 Income tax expense
0 Net of tax
Employee benefit plans:
Amortization of the following2
Net retirement plan actuarial loss(95)Other operating expense
Net retirement plan prior service cost(49)Other operating expense
(144)Total before tax
37 Income tax expense
$(107)Net of tax
Three Months Ended September 30, 2024
Details about Accumulated other Comprehensive Income (Loss) Components (In thousands)
Amount
Reclassified from
Accumulated
Other
Comprehensive
(Loss) Income1
Affected Line Item in the
Statement Where Net Income is
Presented
Available-for-sale debt securities:
Unrealized gains and losses on available-for-sale debt securities$50 Net loss on securities transactions
(12)Income tax expense
38 Net of tax
Employee benefit plans:
Amortization of the following2
Net retirement plan actuarial loss(229)Other operating expense
Net retirement plan prior service cost(45)Other operating expense
(274)Total before tax
66 Income tax expense
$(208)Net of tax
28

Nine Months Ended September 30, 2025
Details about Accumulated other Comprehensive Income (Loss) Components (In thousands)
Amount Reclassified from Accumulated Other Comprehensive (Loss)1
Affected Line Item in the
Statement Where Net Income is
Presented
Available-for-sale debt securities:
Unrealized gains and losses on available-for-sale debt securities$0 Net gain (loss) on securities transactions
0 Income tax expense
0 Net of tax
Employee benefit plans:
Amortization of the following2
Net retirement plan actuarial loss(285)Other operating expense
Net retirement plan prior service cost(147)Other operating expense
(432)Total before tax
109 Income tax expense
$(323)Net of tax
Nine Months Ended September 30, 2024
Details about Accumulated other Comprehensive Income (Loss) Components (In thousands)
Amount Reclassified from Accumulated Other Comprehensive (Loss)1
Affected Line Item in the
Statement Where Net Income is
Presented
Available-for-sale debt securities:
Unrealized gains and losses on available-for-sale debt securities$50 Net loss on securities transactions
(12)Income tax expense
38 Net of tax
Employee benefit plans:
Amortization of the following2
Net retirement plan actuarial loss(686)Other operating expense
Net retirement plan prior service cost(137)Other operating expense
(823)Total before tax
201 Tax benefit
$(622)Net of tax
1 Amounts in parentheses indicate debits in income statement.
2 The accumulated other comprehensive (loss) income components are included in the computation of net periodic benefit cost (See Note 10 - "Employee Benefit Plans" in the Company's Annual Report on Form 10-K for the year ended December 31, 2024).
8. Financial Guarantees
The Company currently does not issue any guarantees that would require liability recognition or disclosure, other than standby letters of credit. The Company extends standby letters of credit to its customers in the normal course of business. The standby letters of credit are generally short-term. As of September 30, 2025, the Company’s maximum potential obligation under standby letters of credit was $33.8 million compared to $38.5 million at December 31, 2024. Management uses the same credit policies to extend standby letters of credit that it uses for on-balance sheet lending decisions and may require collateral to support standby letters of credit based upon its evaluation of the counterparty. Management does not anticipate any significant losses as a result of these transactions, and has determined that the fair value of standby letters of credit is not significant.
29

9. Segment and Related Information
The Company manages its operations through three reportable business segments in accordance with the standards set forth in FASB ASC 280, "Segment Reporting": (i) banking ("Banking"), (ii) insurance ("Tompkins Insurance") and (iii) wealth management ("Tompkins Financial Advisors"). The Company’s insurance services and wealth management services, other than trust services, are managed separately from the Banking segment.
Banking
Tompkins Community Bank has 12 banking offices located in Ithaca, NY and surrounding communities; 14 banking offices located in the Genesee Valley region of New York State, which includes Monroe County; 12 banking offices located in the counties north of New York City; and 16 banking offices headquartered and operating in southeastern Pennsylvania.
Insurance
The Company provides property and casualty insurance services and employee benefits consulting through Tompkins Insurance Agencies, Inc., a 100% wholly-owned subsidiary of the Company, headquartered in Batavia, New York. Tompkins Insurance is an independent insurance agency, representing many major insurance carriers, and provides employee benefit consulting to employers in Western and Central New York and Southeastern Pennsylvania, assisting them with their medical, group life insurance and group disability insurance. Tompkins Insurance has four stand-alone offices in Western New York.
Wealth Management
The wealth management segment is generally organized under the Tompkins Financial Advisors brand. Tompkins Financial Advisors offers a comprehensive suite of financial services to customers, including trust and estate services, investment management and financial and insurance planning for individuals, corporate executives, small business owners and high net worth individuals. Tompkins Financial Advisors has offices in each of the Company’s regional markets.
Chief Operating Decision Maker
Our Chief Executive Officer ("CEO") is our chief operating decision maker. In order to allocate costs, capital and resources to each operating segment, we (i) identify the cost or opportunity value of funds within each business segment, (ii) measure the profitability of a particular business segment by relating appropriate costs to revenues, (iii) evaluate each business segment in a manner consistent with its economic impact on consolidated earnings, and (iv) enhance asset and liability pricing decisions. Our CEO reviews actual net income versus budgeted net income on a monthly basis to assess segment performance and to make decisions about allocating capital and personnel among the segments.

Summarized financial information concerning the Company’s reportable segments and the reconciliation to the Company’s consolidated results is shown in the following tables. Investment in subsidiaries is netted out of the presentations below. The “Intercompany” column identifies the intercompany activities of revenues, expenses and other assets between the banking, insurance, and wealth management services segments. The Company accounts for intercompany fees and services at an estimated fair value according to regulatory requirements for the services provided. Intercompany items relate primarily to the use of human resources, information systems, accounting and marketing services provided by the bank and the holding company. All other accounting policies are the same as those described in the summary of significant accounting policies in the Company's Annual Report on Form 10-K for the year ended December 31, 2024.
30

Three Months Ended September 30, 2025
(In thousands)BankingInsuranceWealth ManagementIntercompanyConsolidated
Interest income$98,056 $1 $0 $(1)$98,056 
Interest expense34,179 0 0 (1)34,178 
Net interest income63,877 1 0 0 63,878 
Provision for credit loss expense2,490 0 0 0 2,490 
Noninterest income7,662 11,414 5,085 (597)23,564 
Noninterest expense42,707 7,487 4,250 (597)53,847 
Income before income tax expense26,342 3,928 835 0 31,105 
Income tax expense6,149 1,074 209 0 7,432 
Net Income attributable to Tompkins Financial Corporation$20,193 $2,854 $626 $0 $23,673 
Depreciation and amortization$1,908 $36 $44 $0 $1,988 
Assets8,407,897 45,554 29,089 (13,809)8,468,731 
Goodwill64,525 19,867 8,211 (1)92,602 
Other intangibles, net1,552 773 0 0 2,325 
Net loans and leases6,228,182 0 0 0 6,228,182 
Deposits7,067,133 0 0 (14,063)7,053,070 
Total Equity726,363 36,266 26,176 0 788,805 
Three Months Ended September 30, 2024
(In thousands)BankingInsuranceWealth
Management		IntercompanyConsolidated
Interest income$89,129 $1 $0 $(1)$89,129 
Interest expense35,937 0 0 (1)35,936 
Net interest income53,192 1 0 0 53,193 
Provision for credit loss expense2,174 0 0 0 2,174 
Noninterest income7,465 11,414 5,019 (513)23,385 
Noninterest expense39,180 7,193 4,017 (513)49,877 
Income before income tax expense19,303 4,222 1,002 0 24,527 
Income tax expense4,456 1,155 247 0 5,858 
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation14,847 3,067 755 0 18,669 
Less: Net income attributable to noncontrolling interests31 0 0 0 31 
Net Income attributable to Tompkins Financial Corporation$14,816 $3,067 $755 $0 $18,638 
Depreciation and amortization$2,144 $38 $42 $0 $2,224 
Assets7,946,772 49,928 29,520 (19,793)8,006,427 
Goodwill64,525 19,866 8,211 0 92,602 
Other intangibles, net1,110 1,103 25 0 2,238 
Net loans and leases5,825,877 0 0 0 5,825,877 
Deposits6,605,596 0 0 (27,700)6,577,896 
Total Equity647,369 40,266 33,713 0 721,348 
31

Nine Months Ended September 30, 2025
(In thousands)BankingInsuranceWealth
Management		IntercompanyConsolidated
Interest income$281,164 $2 $0 $(2)$281,164 
Interest expense100,496 0 0 (2)100,494 
Net interest income180,668 2 0 0 180,670 
Provision for credit loss expense10,557 0 0 0 10,557 
Noninterest income23,924 33,018 15,840 (1,674)71,108 
Noninterest expense122,842 22,542 12,367 (1,674)156,077 
Income before income tax expense71,193 10,478 3,473 0 85,144 
Income tax expense16,622 2,831 868 0 20,321 
Net Income attributable to Tompkins Financial Corporation$54,571 $7,647 $2,605 $0 $64,823 
Depreciation and amortization$5,991 $118 $132 $0 $6,241 
Nine Months Ended September 30, 2024
(In thousands)BankingInsuranceWealth
Management		IntercompanyConsolidated
Interest income$257,552 $3 $0 $(3)$257,552 
Interest expense102,734 0 0 (3)102,731 
Net interest income154,818 3 0 0 154,821 
Provision for credit loss expense5,200 0 0 0 5,200 
Noninterest income22,398 31,161 15,318 (1,579)67,298 
Noninterest expense118,205 21,506 11,544 (1,579)149,676 
Income before income tax expense53,811 9,658 3,774 0 67,243 
Income tax expense12,380 2,644 934 0 15,958 
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation41,431 7,014 2,840 0 51,285 
Less: Net income attributable to noncontrolling interests93 0 0 0 93 
Net Income attributable to Tompkins Financial Corporation$41,338 $7,014 $2,840 $0 $51,192 
Depreciation and amortization$7,588 $122 $124 $0 $7,834 
10. Fair Value Measurements
FASB ASC Topic 820, Fair Value Measurements and Disclosures (ASC 820), defines fair value, establishes a framework for measuring fair value in accordance with GAAP and expands disclosures about fair value measurements. ASC 820 also establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). Transfers between levels, when determined to be appropriate, are recognized at the end of each reporting period.
The three levels of the fair value hierarchy under ASC 820 are:
Level 1 – Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities;
Level 2 – Quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability;
Level 3 – Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported by little or no market activity).
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The following tables summarize financial assets and financial liabilities measured at fair value on a recurring basis as of September 30, 2025 and December 31, 2024, segregated by the level of valuation inputs within the fair value hierarchy used to measure fair value:
Recurring Fair Value Measurements
(In thousands)Total(Level 1)(Level 2)(Level 3)
September 30, 2025
Assets
Available-for-sale debt securities
U.S. Treasuries$53,433 $0 $53,433 $0 
Obligations of U.S. Government sponsored entities357,000 0 357,000 0 
Obligations of U.S. states and political subdivisions76,266 0 76,266 0 
Mortgage-backed securities – residential, issued by:
U.S. Government agencies101,279 0 101,279 0 
U.S. Government sponsored entities700,631 0 700,631 0 
U.S. corporate debt securities2,444 0 2,444 0 
Total Available-for-sale debt securities$1,291,053 $0 $1,291,053 $0 
Equity securities, at fair value794 0 0 794 
Derivatives designated as hedging instruments167 0 167 0 
Derivatives not designated as hedging instruments5,355 0 5,355 0 
Liabilities
Derivatives not designated as hedging instruments$5,817 $0 $5,817 $0 
December 31, 2024
Assets
Available-for-sale debt securities
U.S. Treasuries$71,497 $0 $71,497 $0 
Obligations of U.S. Government sponsored entities380,280 0 380,280 0 
Obligations of U.S. states and political subdivisions77,694 0 77,694 0 
Mortgage-backed securities – residential, issued by:
U.S. Government agencies63,254 0 63,254 0 
U.S. Government sponsored entities636,360 0 636,360 0 
U.S. corporate debt securities2,447 0 2,447 0 
Total Available-for-sale debt securities$1,231,532 $0 $1,231,532 $0 
Equity securities, at fair value768 0 0 768 
Derivatives designated as hedging instruments864 0 864 0 
Derivatives not designated as hedging instruments1,831 0 1,831 0 
Liabilities
Derivatives not designated as hedging instruments$2,073 $0 $2,073 $0 
Securities: Fair values for U.S. Treasury securities are based on quoted market prices. Fair values for obligations of U.S. government sponsored entities, mortgage-backed securities-residential, obligations of U.S. states and political subdivisions, and U.S. corporate debt securities are based on quoted market prices, where available, as provided by third party pricing vendors. If quoted market prices were not available, fair values are based on quoted market prices of comparable instruments in active markets and/or based upon a matrix pricing methodology, which uses comprehensive interest rate tables to determine market price, movement and yield relationships. These securities are reviewed periodically to determine if there are any events or changes in circumstances that would adversely affect their value.
The change in the fair value of equity securities valued using significant unobservable inputs (Level 3), for the periods ended September 30, 2025 and December 31, 2024, was immaterial.
There were no transfers between Levels 1, 2 and 3 for the nine months ended September 30, 2025.
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The Company determines fair value for its available-for-sale debt securities using an independent bond pricing service for identical assets or very similar securities. The Company determines fair value for its equity securities based on the underlying equity fund’s pricing and valuation procedures which consider recent sales price, market quotations from a pricing service, or market quotes from an independent broker-dealer. The Company has reviewed the pricing sources, including methodologies used, and finds them to be fairly stated.
Derivatives: The Company has contracted with a third party vendor to provide periodic valuations for its interest rate derivatives to determine the fair value of its interest rate contracts. The vendor utilizes standard valuation methodologies applicable to interest rate derivatives such as discounted cash flow analysis. Such valuations are based upon readily observable market data and are therefore considered Level 2 valuations by the Company.
Certain assets are measured at fair value on a nonrecurring basis. For the Company, these include loans held for sale, individually evaluated loans, and OREO. For the three and nine months ended September 30, 2025, certain individually evaluated loans were remeasured and reported at fair value through a specific valuation allowance and/or partial charge-offs for credit losses based upon the fair value of the underlying collateral. Collateral values are estimated using Level 3 inputs based upon customized discounting criteria. In addition to collateral dependent evaluated loans, certain other real estate owned was remeasured and reported at fair value based upon the fair value of the underlying collateral. The fair values of other real estate owned are estimated using Level 2 inputs based on observable market data or Level 3 inputs based on customized discounting criteria. In general, the fair values of other real estate owned are based upon appraisals, with discounts made to reflect estimated costs to sell the real estate. Upon initial recognition, fair value write-downs are taken through a charge-off to the allowance for credit losses. Subsequent fair value write-downs on other real estate owned are reported in other noninterest expense.
(In thousands)Fair value measurements at reporting
date using:		Gain (losses)
from fair
value changes
Assets:Quoted prices in
active markets for
identical assets
(Level 1)		Significant other
observable inputs
(Level 2)		Significant
unobservable inputs
(Level 3)
Three months ended September 30, 2025
Individually evaluated loans$16,362 $0 $0 $16,362 $(282)
Other real estate owned0 0 0 0 56 
Three months ended September 30, 2024
Individually evaluated loans$1,211 $0 $0 $1,211 $0 
(In thousands)Fair value measurements at reporting
date using:		Gain (losses)
from fair
value changes
Assets:Quoted prices in
active markets for
identical assets
(Level 1)		Significant other
observable inputs
(Level 2)		Significant
unobservable inputs
(Level 3)
Nine months ended September 30, 2025
Individually evaluated loans$26,398 $0 $0 $26,398 $(5,245)
Other real estate owned0 0 0 0 1,954 
Nine months ended September 30, 2024
Individually evaluated loans$3,420 $0 $0 $3,420 $0 
Other real estate owned81 0 0 81 43 
The fair value estimates, methods and assumptions set forth below for the Company's financial instruments, including those financial instruments carried at cost, are made solely to comply with disclosures required by GAAP and should be read in conjunction with the financial statements and notes included in this Report.
For loans where the Company has determined that foreclosure of the collateral is probable, or where the borrower is experiencing financial difficulty and the Company expects repayment of the loan to be provided substantially through the operation or sale of the collateral, the ACL is measured based on the difference between the fair value of the collateral and the amortized cost basis of the loan as of the measurement date. For real estate loans, fair value of the loan’s collateral is
34

determined by third party appraisals, which are then adjusted for the estimated selling and closing costs related to liquidation of the collateral. For this asset class, the actual valuation methods (income, sales comparable, or cost) vary based on the status of the project or property. For example, land is generally based on the sales comparable method while construction is based on the income and/or sales comparable methods. The unobservable inputs may vary depending on the individual assets with no one of the three methods being the predominant approach. The Company reviews the third party appraisal for appropriateness and adjusts the value downward to consider selling and closing costs, which typically range from 5% to 8% of the appraised value. For non-real estate loans, fair value of the loan’s collateral may be determined using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business.
The following tables present the carrying amounts and estimated fair values of the Company’s financial instruments at September 30, 2025 and December 31, 2024. The carrying amounts shown in the tables are included in the Consolidated Statements of Condition under the indicated captions.
Estimated Fair Value of Financial Instruments
(In thousands)Carrying
Amount		Fair Value(Level 1)(Level 2)(Level 3)
September 30, 2025
Financial Assets:
Cash and cash equivalents$193,492 $193,492 $193,492 $0 $0 
Securities - held-to-maturity312,510 281,624 0 281,624 0 
FHLB stock and other stock27,083 27,083 0 27,083 0 
Accrued interest receivable29,940 29,940 0 29,940 0 
Loans/leases, net1
6,228,182 5,951,778 0 0 5,951,778 
Financial Liabilities:
Time deposits$1,242,051 $1,240,308 $0 $1,240,308 $0 
Other deposits5,811,019 5,811,019 0 5,811,019 0 
Fed funds purchased and securities sold
under agreements to repurchase80,804 80,804 0 80,804 0 
Other borrowings444,866 445,639 0 445,639 0 
Accrued interest payable5,247 5,247 0 5,247 0 
December 31, 2024
Financial Assets:
Cash and cash equivalents$134,398 $134,398 $134,398 $0 $0 
Securities - held-to-maturity312,462 267,295 0 267,295 0 
FHLB stock and other stock42,255 42,255 0 42,255 0 
Accrued interest receivable28,823 28,823 0 28,823 0 
Loans/leases, net1
5,963,426 5,584,661 0 0 5,584,661 
Financial Liabilities:
Time deposits$1,068,375 $1,064,548 $0 $1,064,548 $0 
Other deposits5,403,430 5,403,430 0 5,403,430 0 
Fed funds purchased and securities sold
under agreements to repurchase37,036 37,036 0 37,036 0 
Other borrowings790,247 789,915 0 789,915 0 
Accrued interest payable4,854 4,854 0 4,854 0 
1 Lease receivables, although excluded from the scope of ASC Topic 825, are included in the estimated fair value amounts at their carrying value.
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The following methods and assumptions were used in estimating fair value disclosures for financial instruments:
Cash and Cash Equivalents: The carrying amounts reported in the Consolidated Statements of Condition for cash, noninterest-bearing deposits, money market funds, and Federal funds sold approximate the fair value of those assets.
Securities - Held-to-Maturity: Fair values for U.S. Treasury securities are based on quoted market prices. Fair values for obligations of U.S. government sponsored entities and mortgage-backed securities-residential are based on quoted market prices, where available, as provided by third party pricing vendors. If quoted market prices are not available, fair values are based on quoted market prices of comparable instruments in active markets and/or based upon a matrix pricing methodology, which uses comprehensive interest rate tables to determine market price, movement and yield relationships. These securities are reviewed periodically to determine if there are any events or changes in circumstances that would adversely affect their value.
FHLB Stock and Other Stock: The carrying amount of FHLB stock approximates fair value. If the stock is redeemed, the Company will receive an amount equal to the par value of the stock. For miscellaneous equity securities, carrying value is cost.
Loans and Leases: Fair value for loans is calculated using an exit price notion. The Company's valuation methodology takes into account factors such as estimated cash flows, including contractual cash flow and assumptions for prepayments; liquidity risk; and credit risk. The fair values of residential loans were estimated using discounted cash flow analyses, based upon available market benchmarks for rates and prepayment assumptions. The fair values of commercial and consumer loans were estimated using discounted cash flow analyses, based upon interest rates currently offered for loans and leases with similar terms and credit quality. The fair values of loans held for sale were determined based upon contractual prices for loans with similar characteristics.
Accrued Interest Receivable and Accrued Interest Payable: The carrying amount of these short term instruments approximates fair value.
Deposits: The fair values disclosed for noninterest bearing accounts and accounts with no stated maturities are equal to the amount payable on demand at the reporting date. The fair value of time deposits is based upon discounted cash flow analyses using rates offered for FHLB advances, which is the Company’s primary alternative source of funds.
Fed Funds Purchased and Securities Sold Under Agreements to Repurchase: The carrying amount of these instruments approximates fair value because the instruments have short-term maturities.
Other borrowings: The fair value of other borrowings is based upon discounted cash flow analyses using current rates offered for FHLB advances, with similar terms.
11. Derivatives and Hedging Activities
Risk Management Objective of Using Derivatives
The Company is exposed to certain risks arising from both its business operations and economic conditions. The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate, liquidity, and credit risk primarily by managing the amount, sources, and duration of its assets and liabilities and the use of derivative financial instruments. Specifically, the Company enters into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. The Company also enters into interest rate derivatives to accommodate the business requirements of certain qualifying customers. All derivatives are recognized as other assets or other liabilities on the Company's Consolidated Statements of Condition at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative and resulting designation.
Derivatives Designated as Hedging Instruments
Fair Value Hedges of Interest Rate Risk
The Company is exposed to changes in the fair value of certain of its fixed-rate assets due to changes in benchmark interest rates. The Company uses interest rate swaps to manage its exposure to changes in fair value on these instruments attributable to changes in the designated benchmark interest rate. Interest rate swaps designated as fair value hedges involve the payment of fixed-rate amounts to a counterparty in exchange for the Company receiving variable-rate payments over the life of the agreements without the exchange of the underlying notional amount. As of September 30, 2025, the Company had interest rate swaps with a total notional amount of $100.0 million hedging fixed-rate residential mortgage loans.
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For derivatives designated and that qualify as fair value hedges, the gain or loss on the derivative as well as the offsetting loss or gain on the hedged item attributable to the hedged risk are recognized in interest income.
As of September 30, 2025 and December 31, 2024, the following amounts were recorded on the balance sheet related to cumulative basis adjustment for fair value hedges.
Line Item in the Statement of Financial Position in Which the Hedged Item is IncludedCarrying Amount of the Hedged Assets/(Liabilities)Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities) Carrying Amount of the Hedged Assets/(Liabilities)Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities)
9/30/20259/30/202512/31/202412/31/2024
Fixed Rate Loans1
$99,845$(155)$149,175$(825)
Total$99,845$(155)$149,175$(825)
1 These amounts include the amortized cost basis of closed portfolios of fixed rate loans used to designate hedging relationships in which the hedged item is the stated amount of assets in the closed portfolio anticipated to be outstanding for the designated hedged period. At September 30, 2025 and December 31, 2024, the amortized cost basis of the closed portfolios used in these hedging relationships was $672.4 million and $711.0 million respectively; the cumulative basis adjustments associated with these hedging relationships was $155,000 and $825,000, respectively; and the amounts of the designated hedged items were $100.0 million and $150.0 million. $50.0 million of designated hedged items matured in the nine-month period ending September 30, 2025.
Derivatives Not Designated as Hedging Instruments
The Company enters into interest rate swaps to help commercial loan borrowers manage their interest rate risk. These interest rate swap contracts allow borrowers to convert variable-rate loan payments to fixed-rate loan payments. When the Company enters into an interest rate derivative contract with a commercial loan borrower, it simultaneously enters into a “mirror” interest rate contract with a third party. For interest rate swaps, the third party exchanges the client’s fixed-rate loan payments for variable-rate loan payments. The Company's credit policies with respect to interest rate contracts with commercial borrowers are similar to those used for loans. The Company retains the risk that is associated with the potential failure of counterparties and the risk inherent in originating loans. The interest rate contracts with counterparties are generally subject to bilateral collateralization terms. These derivatives are not designated as hedges and therefore, changes in fair value are recognized in earnings.
The Company has entered into risk participation agreements with other banks in commercial loan arrangements. Participating banks guarantee the performance on borrower-related interest rate swap contracts. These derivatives are not designated as hedges and therefore, changes in fair value are recognized in earnings.
Under a risk participation-out agreement, a derivative asset, the Company participates out a portion of the credit risk associated with the interest rate swap position executed with the commercial borrower for a fee paid to the participating bank. Under a risk participation-in agreement, a derivative liability, the Company assumes, or participates in, a portion of the credit risk associated with the interest rate swap position with the commercial borrower for a fee received from the other bank.
Tabular Disclosure of Fair Values of Derivative Instruments on the Consolidated Statements of Condition
The tables below present the fair value of the Company’s derivative financial instruments as well as their classification on the consolidated statements of condition as of September 30, 2025 and December 31, 2024. Amounts below are presented on a net basis in accordance with applicable accounting guidance.
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(In thousands)Notional AmountFair ValueNotional AmountFair Value
September 30, 2025December 31, 2024
Derivative Assets
Derivatives designated as hedging instruments
Interest Rate Products$100,000 $167 $150,000 $864 
Total derivatives designated as hedging instruments$167 $864 
Derivatives not designated as hedging instruments
Interest Rate Products$231,366 $5,355 $175,865 $1,831 
Total derivatives not designated as hedging instruments$5,355 $1,831 
 Derivative Liabilities
Derivatives not designated as hedging instruments
Interest Rate Products$231,366 $5,712 $178,646 $1,990 
Risk Participation Agreement63,029 105 44,387 83 
Total derivatives not designated as hedging instruments $5,817 $2,073 
Tabular Disclosure of the Effect of Fair Value and Cash Flow Hedge Accounting on the Consolidated Statements of Income
The tables below present the effect of the Company’s derivative financial instruments on the consolidated statements of income for the three and nine months ended September 30, 2025 and 2024:
The Effect of Fair Value and Cash Flow Hedge Accounting on the Consolidated Statements of Income
Location of Gain or (Loss) Recognized in Income on DerivativeLocation of Gain or (Loss) Recognized in Income on Derivative
(In thousands)Interest IncomeInterest Income
Three Months EndedNine Months Ended
9/30/20259/30/20249/30/20259/30/2024
Total amounts of income and expense line items presented in the statement of financial performance in which the effects of fair value or cash flow hedges are recorded$216 $675 $757 $2,010 
The effects of fair value and cash flow hedging:
Gain or (loss) on fair value hedging relationships in Subtopic 815-20
Interest contracts
Hedged items173 2,114 671 1,101 
Derivatives designated as hedging instruments43 (1,439)86 909 
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Tabular Disclosure of the Effect of Derivatives Not Designated as Hedging Instruments on the Consolidated Statements of Income
The tables below present the effect of the Company’s derivative financial instruments that are not designated as hedging instruments on the consolidated statements of income for the three and nine months ended September 30, 2025 and 2024:
Effect of Derivatives Not Designated as Hedging Instruments on the Consolidated Statements of Income
Derivatives Not Designated as Hedging Instruments under Subtopic 815-20 Location of Gain or (Loss) Recognized in Income on DerivativeAmount of Gain or (Loss) Recognized in Income on DerivativeAmount of Gain or (Loss) Recognized in Income on Derivative
(In thousands)9/30/20259/30/2024
Three Months Ended
Interest Rate ProductsOther Income$(4)$(259)
Risk Participation AgreementOther Income23 (18)
Total$19 $(277)
Fee Income Other income $424 $791 
Nine Months Ended
Interest Rate ProductsOther Income$(199)$(223)
Risk Participation AgreementOther Income57 61 
Total$(142)$(162)
Fee IncomeOther income $682 $1,175 
Credit-risk-related Contingent Features
Applicable for OTC derivatives with dealers
The Company has agreements with each of its derivative counterparties that contain a provision where if the Company defaults on any of its indebtedness, including default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations.
As of September 30, 2025 and December 31, 2024, the fair value of derivatives in a net liability position, which includes accrued interest but excludes any adjustment for nonperformance risk, related to these agreements was $5.7 million and $1.3 million, respectively. As of September 30, 2025 and December 31, 2024, the Company had posted $5.2 million and $260,000, respectively, in collateral related to these agreements. The interest rate hedge counterparty had posted $0 and $890,000 of collateral in proportion to potential losses in the derivative position at September 30, 2025 and December 31, 2024, respectively.

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Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations
BUSINESS
Tompkins Financial Corporation ("Tompkins" or the "Company") is headquartered in Ithaca, New York and is registered as a Financial Holding Company with the Federal Reserve Board under the Bank Holding Company Act of 1956, as amended. The Company is a locally-oriented, community-based financial services organization that offers a full array of products and services, including commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. At September 30, 2025, the Company had one wholly-owned banking subsidiary, Tompkins Community Bank. Tompkins Community Bank provides a full array of wealth management services under the Tompkins Financial Advisors brand, including investment management, trust and estate, financial and tax planning as well as life, disability and long-term care insurance services. The Company also has a wholly-owned insurance agency subsidiary, Tompkins Insurance Agencies, Inc. ("Tompkins Insurance"). The Company’s principal offices are located at 118 E. Seneca Street, P.O. Box 460, Ithaca, NY, 14850, and its telephone number is (888) 503-5753. The Company’s common stock is traded on the NYSE American under the Symbol "TMP."
Tompkins' strategy centers around our core values and a commitment to delivering long-term value to our clients, communities, and shareholders. A key strategic initiative for the Company is a focus on responsible and sustainable growth, including initiatives to grow organically through our current businesses, as well as through possible acquisitions of financial institutions, branches, and financial services businesses. As such, the Company has acquired, and from time to time considers acquiring, banks, thrift institutions, branch offices of banks or thrift institutions, or other businesses that would complement the Company’s business or its geographic reach. The Company generally targets merger or acquisition partners that are culturally similar and have experienced management and possess either significant market presence or have potential for improved profitability through financial management, economies of scale and expanded services.
Business Segments
Banking services consist primarily of attracting deposits from the areas served by Tompkins Community Bank, which has 54 banking offices (38 offices in New York and 16 offices in Pennsylvania) and using those deposits to originate a variety of commercial loans, agricultural loans, consumer loans, real estate loans, and leases. The Company’s lending function is managed within the guidelines of a comprehensive Board-approved lending policy. Reporting systems are in place to provide management with ongoing information related to loan production, loan quality, concentrations of credit, loan delinquencies, and nonperforming and potential problem loans. Banking services also include a full suite of products such as debit cards, credit cards, remote deposit, electronic banking, mobile banking, cash management, and safe deposit services.
Wealth management services consist of investment management, trust and estate, financial and tax planning as well as life, disability and long-term care insurance services. Wealth management services are provided under the trade name Tompkins Financial Advisors. Tompkins Financial Advisors offers services to customers of Tompkins Community Bank and shares offices in each of the banking markets.
Insurance services include property and casualty insurance, employee benefit consulting, and life, long-term care and disability insurance. Tompkins Insurance is headquartered in Batavia, New York. Over the years, Tompkins Insurance has acquired smaller insurance agencies in the market areas serviced by the Company’s banking subsidiaries and successfully consolidated them into Tompkins Insurance. Tompkins Insurance offers services to customers of Tompkins Community Bank and shares offices with Tompkins Community Bank in Western New York, Central New York and Pennsylvania. In addition to these shared offices, Tompkins Insurance has four stand-alone offices in Western New York.
The Company’s principal expenses are interest on deposits, interest on borrowings, and operating and general administrative expenses, as well as provisions for credit losses. Funding sources, other than deposits, include borrowings, securities sold under agreements to repurchase, and cash flow from lending and investing activities.
Competition
Competition for commercial banking and other financial services is strong in the Company’s market areas. In one or more aspects of its business, the Company’s subsidiaries compete with other commercial banks, savings and loan associations, credit unions, finance companies, Internet-based financial services companies, mutual funds, insurance companies, brokerage and investment banking companies, and other financial intermediaries. Some of these competitors have substantially greater resources and lending capabilities and may offer services that the Company does not currently provide. In addition, many of the Company’s non-bank competitors are not subject to the same extensive Federal regulations that govern financial holding companies and Federally-insured banks.
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Competition among financial institutions is based upon interest rates offered on deposit accounts, interest rates charged on loans and other credit and service charges, the quality and scope of the services rendered, the convenience of facilities and services, and, in the case of loans to commercial borrowers, relative lending limits. Management believes that a community-based financial organization is better positioned to establish personalized financial relationships with both commercial customers and individual households. The Company’s community commitment and involvement in its primary market areas, as well as its commitment to quality and personalized financial services, are factors that contribute to the Company’s competitiveness. Management believes that the Company’s subsidiary bank can compete successfully in its primary market areas by making prudent lending decisions quickly and more efficiently than its competitors, without compromising asset quality or profitability. In addition, the Company focuses on providing unparalleled customer service, which includes offering a strong suite of products and services, including products that are accessible to our customers through digital means. Although management feels that this business model has caused the Company to grow its customer base in recent years and allows it to compete effectively in the markets it serves, we cannot assure you that such factors will result in future success.
Regulation
Banking, insurance services and wealth management are highly regulated. As a financial holding company including a community bank, a registered investment adviser, and an insurance agency subsidiary, the Company and its subsidiaries are subject to examination and regulation by the Federal Reserve Board ("FRB"), Securities and Exchange Commission ("SEC"), the Federal Deposit Insurance Corporation ("FDIC"), the New York State Department of Financial Services, the Financial Industry Regulatory Authority, and the Pennsylvania Insurance Department.
OTHER IMPORTANT INFORMATION
The following discussion is intended to provide an understanding of the consolidated financial condition and results of operations of the Company for the three and nine months ended September 30, 2025. It should be read in conjunction with the Company’s Audited Consolidated Financial Statements and the notes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2024, and the Unaudited Consolidated Financial Statements and notes thereto included in Part I of this Quarterly Report on Form 10-Q.
This Report includes comparisons of the Company’s performance to that of a peer group, which is comprised of the group of 201 domestic bank holding companies with $3 billion to $10 billion in total assets as defined in the Federal Reserve’s "Bank Holding Company Performance Report" for June 30, 2025 (the most recent report available). Although the peer group data is presented based upon financial information that is one fiscal quarter behind the financial information included in this report, the Company believes that it is relevant to include certain peer group information for comparison to current quarter numbers.
Forward-Looking Statements
This Quarterly Report on Form 10-Q contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. The statements contained in this Report that are not statements of historical fact may include forward-looking statements that involve a number of risks and uncertainties. Forward-looking statements may be identified by use of such words as "may", "will", "estimate", "intend", "continue", "believe", "expect", "plan", "commit", or "anticipate", as well as the negative and other variations of these terms, and other similar words. Examples of forward-looking statements may include statements regarding the asset quality of the Company's loan portfolios; the level of the Company's allowance for credit losses; the sufficiency of collateral to cover exposure related to special mention and substandard loans; the sufficiency of liquidity sources; the Company's exposure to changes in interest rates, and to new, changed, or extended government/regulatory expectations; the need to sell securities before recovery of amortized cost; the impact of changes in accounting standards; and trends, plans, prospects, growth and strategies. Forward-looking statements are made based on management’s expectations and beliefs concerning future events impacting the Company and are subject to uncertainties and factors relating to the Company’s operations and economic environment, all of which are difficult to predict and many of which are beyond the control of the Company, that could cause actual results of the Company to differ materially from those expressed and/or implied by forward-looking statements and historical performance. The following factors, in addition to those listed as Risk Factors in Item 1A of the Company's Annual Report on Form 10-K for the year ended December 31, 2024, are among those that could cause actual results to differ materially from the forward-looking statements and historical performance: changes in general economic, market and regulatory conditions; our ability to attract and retain deposits and other sources of liquidity; gross domestic product growth and inflation trends; the impact of the interest rate and inflationary environment on the Company's business, financial condition and results of operations; other income or cash flow anticipated from the Company's operations, investment and/or lending activities; changes in laws and regulations affecting public companies, banks, bank holding companies and/or financial holding companies, including the Dodd-Frank Act, and other federal, state and local government mandates; the impact of any change in the FDIC insurance assessment rate or the rules and regulations related to the calculation of the FDIC insurance assessment amount; changes in supervisory and regulatory scrutiny of financial institutions, technological developments and changes; cybersecurity incidents and threats; the ability to continue to introduce competitive new products and services on a
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timely, cost-effective basis; governmental and public policy changes, including environmental regulation; reliance on large customers; the geographic concentration of our business; the ability to access financial resources in the amounts, at the times, and on the terms required to support the Company's future businesses; and the economic impact, including potential market volatility, of national and global events, including the response to bank failures, war and geopolitical matters (including continuing or increasing hostilities in the Middle East and the war in Ukraine), tariffs and trade wars, widespread protests, civil unrest, political uncertainty, and pandemics or other public health crises; and the related financial stress on borrowers and changes to customer behavior and credit risk as a result of any of the foregoing. The Company does not undertake any obligation to update its forward-looking statements.
Critical Accounting Policies
The accounting and reporting policies followed by the Company conform, in all material respects, to U.S. generally accepted accounting principles ("GAAP") and to general practices within the financial services industry. In the course of normal business activity, management must select and apply many accounting policies and methodologies and make estimates and assumptions that lead to the financial results presented in the Company’s consolidated financial statements and accompanying notes. There are uncertainties inherent in making these estimates and assumptions, which could materially affect the Company’s results of operations and financial position.
Management considers accounting estimates to be critical to reported financial results if (i) the accounting estimates require management to make assumptions about matters that are highly uncertain, and (ii) different estimates that management reasonably could have used for the accounting estimate in the current period, or changes in the accounting estimate that are reasonably likely to occur from period to period, could have a material impact on the Company’s financial statements. Management considers the accounting policy relating to the allowance for credit losses ("allowance", or "ACL") to be a critical accounting policy because of the uncertainty and subjectivity involved in this policy and the material effect that estimates related to this area can have on the Company’s results of operations.
The Company’s methodology for estimating the allowance considers available relevant information about the collectability of cash flows, including information about past events, current conditions, and reasonable and supportable forecasts. Refer to "Allowance for Credit Losses" below and to Note 5 - "Allowance for Credit Losses", and Note 1 – "Summary of Significant Accounting Policies" in the Notes to Consolidated Financial Statements contained in the Company's Annual Report on Form 10-K for the year ended December 31, 2024, for additional information on the Company's methodology for estimating the allowance.
For information on the Company's significant accounting policies and to gain a greater understanding of how the Company’s financial performance is reported, refer to Note 1 – "Summary of Significant Accounting Policies" in the Notes to Consolidated Financial Statements contained in the Company’s Annual Report on Form 10-K for the year ended December 31, 2024. Refer to Newly Adopted Accounting Standards" and "Accounting Standards Pending Adoption" in Note 2 - "Basis of Presentation" in the Notes to Consolidated Financial Statements included in this Quarterly Report on Form 10-Q for a discussion of recent accounting standards updates.
Critical Accounting Estimates
The Company's significant accounting policies conform with GAAP and are described in Note 1 "Summary of Significant Accounting Policies" in the Notes to Consolidated Financial Statements contained in the Company's Annual Report on Form 10-K for the year ended December 31, 2024. In applying those accounting policies, management of the Company is required to exercise judgment in determining many of the methodologies, assumptions and estimates to be utilized. Certain critical accounting estimates are more dependent on such judgment and in some cases may contribute to volatility in the Company's reported financial performance should the assumptions and estimates used change over time due to changes in circumstances. The most significant area in which management of the Company applies critical assumptions and estimates was the following:
•Accounting for credit losses - The Company accounts for the allowance for credit losses using the current expected credit loss model. Under this model, the allowance for credit losses represents a valuation account that is deducted from the amortized cost basis of certain financial assets, including loans and leases, to present the net amount expected to be collected at the balance sheet date. A provision for credit losses is recorded to adjust the level of the allowance as deemed necessary by management. In estimating expected losses in the loan and lease portfolio, borrower-specific financial data and macro-economic assumptions are utilized to project losses over a reasonable and supportable forecast period. For certain loan pools that share similar risk characteristics, the Company utilizes statistically developed models to estimate amounts and timing of expected future cash flows, collateral values and other factors used to determine the borrowers' abilities to repay obligations. Such models consider historical correlations of credit losses with various macroeconomic assumptions including unemployment and gross domestic product. These forecasts may be adjusted for inherent limitations or biases of the models. Subsequent to the forecast period, the Company utilizes longer-term historical loss experience to estimate losses over the remaining contractual life of the loans.
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Changes in the circumstances considered when determining management's estimates and assumptions could result in changes in those estimates and assumptions, which could result in adjustment of the allowance for credit losses in future periods. A discussion of facts and circumstances considered by management in determining the allowance for credit losses is included in Note 5 - "Allowance for Credit Losses" in the Notes to the Unaudited Consolidated Financial Statements included in this Quarterly Report on Form 10-Q.
RESULTS OF OPERATIONS
Performance Summary
Net income for the third quarter of 2025 was $23.7 million, or $1.65 diluted earnings per share, compared to $18.6 million, or $1.30 diluted earnings per share for the third quarter of 2024. Net income for the nine months ended September 30, 2025 was $64.8 million, or $4.52 diluted earnings per share, compared to $51.2 million, or $3.59 diluted earnings per share for the same period in 2024. The increase in net income and diluted earnings per share for the three and nine months ended September 30, 2025 compared to the same periods in 2024 largely reflects increases in our net interest margin as well as continued loan growth.
Return on average assets ("ROA") for the quarter ended September 30, 2025 was 1.13%, compared to 0.94% for the quarter ended September 30, 2024. Return on average shareholders’ equity ("ROE") for the third quarter of 2025 was 12.17%, compared to 10.65% for the third quarter of 2024. For the year-to-date period ended September 30, 2025, ROA and ROE totaled 1.06% and 11.56%, respectively, compared to 0.87% and 10.12%, for the same periods in 2024.
Segment Reporting
The Company operates in the following three business segments: banking, insurance, and wealth management. Insurance is comprised of property and casualty insurance services and employee benefit consulting operated under the Tompkins Insurance Agencies, Inc. subsidiary. Wealth management activities include the results of the Company’s trust, financial planning, and wealth management services, organized under the Tompkins Financial Advisors brand. All other activities are considered banking.
Banking Segment
The banking segment reported net income of $20.2 million for the third quarter of 2025, an increase of $5.4 million, or 36.3%, compared to $14.8 million for the third quarter of 2024. For the nine months ended September 30, 2025, the banking segment reported net income of $54.6 million, up $13.2 million, or 32.0%, from the same period in 2024. The increase in net income for the three and nine months ended September 30, 2025 compared to the same periods in 2024 was mainly due to an increase in net interest income.
Net interest income of $63.9 million for the third quarter of 2025 was up $10.7 million, or 20.1%, from the same period in 2024. For the nine months ended September 30, 2025, net interest income of $180.7 million was up $25.9 million, or 16.7%, from the same period in 2024. The increase in net interest income for the three and nine months ended September 30, 2025 compared to the same periods in 2024 was primarily due to an increase in average loan balances, increases in average loan yields and a reduction in average funding costs due to improved funding mix.
The provision for credit losses was $2.5 million for the three months ended September 30, 2025, compared to $2.2 million for the same period in 2024. For the nine months ended September 30, 2025, the provision for credit losses was $10.6 million compared to $5.2 million for the same period in 2024. Net charge-offs for the three and nine months ended September 30, 2025 were $1.1 million and $7.1 million, respectively, compared to net charge-offs of $912,000 and $1.6 million for the same periods in 2024. For additional information, see the section titled "The Allowance for Credit Losses" below.
Noninterest income was $7.7 million for the three months ended September 30, 2025, compared to $7.5 million for the same period in 2024. The increase in noninterest income for the three months ended September 30, 2025 was mainly attributable to an increase in gains on sales of residential loans. For the nine months ended September 30, 2025, noninterest income was $23.9 million compared to $22.4 million for the nine months ended September 30, 2024. The increase in year-to-date noninterest income compared to the same period in 2024 was mainly attributable to a $1.9 million gain on the sale of other real estate owned ("OREO"), and an increase in gains on sales of residential loans, up $933,000, partially offset by decreases in derivatives related income, down $472,000, card services income, down $471,000, and income related to bank owned life insurance, down $389,000.
Noninterest expense of $42.7 million for the three months ended September 30, 2025, increased by $3.5 million or 9.0% compared to the same period in 2024. The increase was primarily driven by professional fees, up $1.7 million, and salaries and employee benefits, up $1.4 million. For the nine months ended September 30, 2025 noninterest expense of $122.8 million was up $4.6 million, or 3.9% compared to the same period in 2024. The increase was primarily driven by salaries and employee
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benefits, up $3.5 million, and professional fees, up $1.9 million. These increases were partially offset by a decrease in technology expense, down $1.2 million.
Insurance Segment
The insurance segment reported net income of $2.9 million for the three months ended September 30, 2025, which was down $213,000, or 6.9%, compared to the third quarter of 2024. Total noninterest revenue of $11.4 million for the three months ended September 30, 2025 was in line with the same period prior year. Insurance commissions and fees increased by $155,000 or 1.5% for the three months ended September 30, 2025, compared to the same period of 2024, and contingency revenue increased by $116,000 or 10.6%.
For the nine months ended September 30, 2025, net income of $7.6 million was up $633,000, or 9.0%, from the same period in the prior year. Total noninterest revenue for the year-to-date period ended September 30, 2025 was up $1.9 million, or 6.0%, compared to the same period in the prior year. The increase in total noninterest revenue for the nine months ended September 30, 2025 compared to the prior year period included growth in overall commission revenue of $746,000, or 2.7%, with increases in personal lines (up $347,000, or 4.1%), and commercial lines (up $523,000, or 4.0%); as well as growth in contingency revenues, which were up $1.2 million, or 34.7%. These increases were attributable to growth in personal and commercial lines from new business, rate increases related to current market conditions and improved ratios as they relate to carrier profit sharing calculations.
Noninterest expense for the three months ended September 30, 2025 was up $294,000, or 4.1%, compared to the three months ended September 30, 2024. Year-to-date noninterest expense was up $1.0 million, or 4.8%, compared to the nine months ended September 30, 2024. The increase in noninterest expense for the three and nine months ended September 30, 2025 was primarily driven by increases in salaries, incentives and employee benefits.
Wealth Management Segment
The wealth management segment reported net income of $626,000 for the three months ended September 30, 2025, which was down $129,000 or 17.1% compared to the third quarter of 2024. Revenue for the three months ended September 30, 2025 was up $66,000 or 1.3%, compared to the three months ended September 30, 2024, primarily due to an increase in advisory fees. Noninterest expense for the three months ended September 30, 2025 was up $233,000 or 5.8%, compared to the same period in 2024, which was primarily due to an increase in affiliate service charges and technology expense.
For the nine months ended September 30, 2025, net income of $2.6 million was down $235,000, or 8.3%, compared to the same period in the prior year. Total revenue of $15.8 million for the nine months ended September 30, 2025 was up $522,000, or 3.4%, compared to the same period in the prior year, mainly due to an increase in advisory fees and gains on the sale of certain customer accounts. Noninterest expense of $12.4 million for the nine months ended September 30, 2025 was up $823,000, or 7.1%, compared to the same period prior year, mainly attributable to salaries and employee benefits, affiliate service charges and technology expense.
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Net Interest Income
The following tables show average interest-earning assets and interest-bearing liabilities, and the corresponding yield or cost associated with each, for the three and nine month periods ended September 30, 2025 and 2024 and the three months ended June 30, 2025:
Average Consolidated Statements of Condition and Net Interest Analysis (Unaudited)
Quarter EndedQuarter EndedQuarter Ended
September 30, 2025June 30, 2025September 30, 2024
(dollar amounts in thousands)Average
Balance
(QTD)		InterestAverage
Yield/Rate		Average
Balance
(QTD)		InterestAverage
Yield/Rate		Average
Balance
(QTD)		InterestAverage
Yield/Rate
ASSETS
Interest-earning assets
Interest-bearing balances due from banks$18,474 $187 4.02 %$15,820 $187 4.74 %$13,189 $168 5.07 %
Securities1
U.S. Government securities1,616,048 10,466 2.57 %1,610,090 10,026 2.50 %1,664,611 9,740 2.33 %
State and municipal2
82,462 541 2.60 %85,080 554 2.61 %87,799 560 2.54 %
Other Securities2
3,283 54 6.52 %3,279 53 6.48 %3,282 60 7.27 %
Total securities1,701,793 11,061 2.58 %1,698,449 10,633 2.51 %1,755,692 10,360 2.35 %
FHLBNY and FRB stock31,023 598 7.65 %31,660 635 8.05 %38,534 888 9.17 %
Total loans and leases, net of unearned income2,3
6,216,384 86,522 5.52 %6,129,561 82,499 5.40 %5,830,899 78,040 5.32 %
Total interest-earning assets7,967,674 98,368 4.90 %7,875,490 93,954 4.79 %7,638,314 89,456 4.66 %
Other assets329,774 293,105 276,610 
Total assets$8,297,448 $8,168,595 $7,914,924 
LIABILITIES & EQUITY
Deposits
Interest-bearing deposits
Interest bearing checking, savings, & money market$3,724,882 $17,306 1.84 %$3,680,761 $16,504 1.80 %$3,509,116 $16,635 1.89 %
Time deposits1,228,830 10,967 3.54 %1,230,182 10,975 3.58 %1,016,949 10,076 3.94 %
Total interest-bearing deposits4,953,712 28,273 2.26 %4,910,943 27,479 2.24 %4,526,065 26,711 2.35 %
Federal funds purchased & securities sold under agreements to repurchase41,524 23 0.22 %42,123 61 0.58 %42,449 11 0.10 %
Other borrowings535,327 5,882 4.36 %550,558 5,976 4.35 %709,474 9,214 5.17 %
Total interest-bearing liabilities5,530,563 34,178 2.45 %5,503,624 33,516 2.44 %5,277,988 35,936 2.71 %
Noninterest bearing deposits1,892,896 1,818,922 1,838,725 
Accrued expenses and other liabilities102,462 96,074 101,679 
Total liabilities7,525,921 7,418,620 7,218,392 
Tompkins Financial Corporation Shareholders’ equity771,527 749,975 695,057 
Noncontrolling interest0 0 1,475 
Total equity771,527 749,975 696,532 
Total liabilities and equity$8,297,448 $8,168,595 $7,914,924 
Interest rate spread2.45 %2.34 %1.95 %
Tax-equivalent net interest income/margin on earning assets64,190 3.20 %60,438 3.08 %53,520 2.79 %
Tax-equivalent adjustment(312)(308)(327)
Net interest income$63,878 $60,130 $53,193 



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Average Consolidated Statements of Condition and Net Interest Analysis (Unaudited)
Year to Date Period EndedYear to Date Period Ended
September 30, 2025September 30, 2024
AverageAverage
BalanceAverageBalanceAverage
(Dollar amounts in thousands)(YTD)InterestYield/Rate(YTD)InterestYield/Rate
ASSETS
Interest-earning assets
Interest-bearing balances due from banks$16,914 $549 4.34 %$12,369 $506 5.46 %
Securities1
U.S. Government securities1,608,371 29,933 2.49 %1,712,727 30,109 2.35 %
State and municipal2
84,466 1,649 2.61 %89,063 1,697 2.55 %
Other securities3,279 160 6.52 %3,273 179 7.31 %
Total securities1,696,116 31,742 2.50 %1,805,063 31,985 2.37 %
FHLBNY and FRB stock31,552 1,944 8.24 %36,948 2,309 8.35 %
Total loans and leases, net of unearned income2,3
6,124,468 247,859 5.41 %5,713,780 223,656 5.23 %
Total interest-earning assets7,869,050 282,094 4.79 %7,568,160 258,456 4.56 %
Other assets306,039 274,143 
Total assets$8,175,089 $7,842,303 
LIABILITIES & EQUITY
Deposits
Interest-bearing deposits
Interest bearing checking, savings, & money market$3,696,142 $49,903 1.81 %$3,517,993 $47,424 1.80 %
Time deposits1,206,273 32,499 3.60 %997,800 29,005 3.88 %
Total interest-bearing deposits4,902,415 82,402 2.25 %4,515,793 76,429 2.26 %
Federal funds purchased & securities sold under agreements to repurchase43,744 125 0.38 %43,837 35 0.11 %
Other borrowings549,192 17,967 4.37 %673,809 26,267 5.21 %
Total interest-bearing liabilities5,495,351 100,494 2.45 %5,233,439 102,731 2.62 %
Noninterest bearing deposits1,830,755 1,835,776 
Accrued expenses and other liabilities98,953 97,593 
Total liabilities7,425,059 7,166,808 
Tompkins Financial Corporation Shareholders’ equity750,030 674,048 
Noncontrolling interest0 1,447 
Total equity750,030 675,495 
Total liabilities and equity$8,175,089 $7,842,303 
Interest rate spread2.35 %1.94 %
Net interest income (TE)/margin on earning assets181,600 3.09 %155,725 2.75 %
Tax Equivalent Adjustment(930)(904)
Net interest income$180,670 $154,821 
1 Average balances and yields on available-for-sale debt securities are based on historical amortized cost.
2 Interest income includes the tax effects of taxable-equivalent adjustments using an effective income tax rate of 21% in 2025 and 2024 to increase tax exempt interest income to taxable-equivalent basis.
3 Nonaccrual loans are included in the average asset totals presented above. Payments received on nonaccrual loans have been recognized as disclosed in Note 1 of the Company’s consolidated financial statements included in Part 1 of the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2024.
Net Interest Income 
Net interest income is the Company’s largest source of revenue, and is dependent on the volume and composition of interest earning assets and interest-bearing liabilities and the level of market interest rates. The above tables show average interest-earning assets and interest-bearing liabilities, and the corresponding yield or cost associated with each.
Net interest income was $63.9 million and $180.7 million, respectively, for the three and nine months ended September 30, 2025, up $10.7 million, or 20.1%, and $25.8 million, or 16.7%, respectively, from the same periods in 2024.
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Net interest margin for the three months ended September 30, 2025 was 3.20% compared to 2.79% for the same period in 2024. Net interest margin for the nine months ended September 30, 2025 was 3.09% compared to 2.75% for the same period in 2024. The increase in net interest margin for the three and nine months ended September 30, 2025 compared to the same periods in 2024 was due to increased yields on average interest earning assets, higher average loan balances, and lower funding costs resulting from improved funding mix.
The quarterly net interest margin of 3.20% for the third quarter of 2025 was up 12 basis points over the net interest margin of 3.08% for the second quarter of 2025. The increase in net interest margin, when compared to the most recent prior quarter, was mainly due to increased yields on average interest earning assets and higher average loan balances.
Interest income for the three and nine months ended September 30, 2025 was $98.1 million and $281.2 million, up 10.0% and 9.2%, respectively, compared to the same periods in 2024. The average yield on interest-earning assets increased 24 and 23 basis points for the three and nine months ended September 30, 2025, compared to the same periods in 2024. Average interest-earning assets for the three and nine months ended September 30, 2025, increased $329.4 million, or 4.3%, and $300.9 million, or 4.0%, respectively, compared to the same periods in 2024.
Interest income on loans for the three and nine months ended September 30, 2025, was up $8.5 million, or 10.9%, and $24.2 million, or 10.8%, respectively, compared to the same periods in 2024, driven by higher average yields and higher average loan balances. The average yields on loans for the three and nine months ended September 30, 2025 of 5.52% and 5.40% respectively, were up 20 and 18 basis points from the same periods in 2024. For the three and nine months ended September 30, 2025 average loan balances were up $385.5 million, or 6.6%, and $410.7 million, or 7.2%, respectively, over the same periods of 2024.
Interest income on securities, excluding dividends on FHLB stock, for the three months ended September 30, 2025, was up $703,000 or 6.9% over the same period in 2024, driven by higher average yields, partially offset by lower average balances. For the nine months ended September 30, 2025, interest income on securities, excluding dividends on FHLB stock, was down $239,000 or 0.8% when compared to the same period in 2024, driven by lower average balances, partially offset by higher yields. The average yield on total securities for the three and nine months ended September 30, 2025, was up 23 and 13 basis points, respectively, over the same periods in 2024, while average balances for securities were down $53.9 million, or 3.1%, and $108.9 million, or 6.0%, respectively, from the same periods in 2024.
Interest expense for the three and nine months ended September 30, 2025 decreased $1.8 million, or 4.9%, and $2.2 million or 2.2%, compared to the same periods in 2024. The decrease reflects lower average costs of interest-bearing liabilities, largely a result of improved funding mix and lower borrowing rates. For the three and nine months ended September 30, 2025, the average cost of interest-bearing liabilities was down 26 basis points and 17 basis points, respectively, from the same periods in 2024, while average interest-bearing liabilities were up $252.6 million or 4.8% and $261.9 million or 5.0%, respectively. The growth in average interest-bearing liabilities was primarily in average deposits, partially offset by decreases in average borrowings.
The average cost of interest-bearing deposits for the three and nine months ended September 30, 2025 was 2.26% and 2.25%, respectively, down 9 basis points compared to the three month period ended September 30, 2024, and down 1 basis point compared to the same nine month period in 2024. Average interest-bearing deposits for the three and nine months ended September 30, 2025, were up $427.6 million, or 9.4%, and $386.6 million, or 8.6%, respectively, from the same periods in 2024. Average time deposits for the three and nine months ended September 30, 2025 were up $211.9 million or 20.8% and $208.5 million or 20.9%, respectively, compared to the same periods in 2024. Average interest-bearing checking, savings and money market deposits for the three and nine months ended September 30, 2025 were up $215.8 million or 6.2% and $178.1 million or 5.1%, respectively, over the same periods in 2024.
Average other borrowings for the three and nine months ended September 30, 2025 were down $174.1 million, or 24.5%, and $124.6 million, or 18.5%, respectively, compared to the same periods in 2024. The average rate paid on other borrowings for the three and nine months ended September 30, 2025 was down 81 basis points and 84 basis points, respectively, from the same periods in 2024.
Provision for Credit Losses 
The provision for credit losses represents management’s estimate of the amount necessary to maintain the allowance for credit losses ("ACL") at an appropriate level. Provision for credit losses for the third quarter of 2025 was $2.5 million compared to $2.2 million for the third quarter of 2024. Provision for credit losses for the nine months ended September 30, 2025 was $10.6 million compared to $5.2 million for the nine months ended September 30, 2024. The increase in provision expense for the year-to-date period compared to the same period in 2024 was mainly due to the partial charge-off of $4.7 million related to one commercial real estate relationship totaling $18.1 million, during the second quarter of 2025. The provision for credit losses for
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the three and nine months ended September 30, 2025 included expenses of $36,000 and of $57,000, respectively, related to off-balance sheet credit exposures compared to credits of $1.1 million and $249,000, respectively, for the same periods in 2024. The change in off-balance sheet reserves was mainly a result of model changes related to utilization rates during the third quarter of 2024 which resulted in a credit to provision expense, and changes related to the commercial loan pipeline during the current quarter. The section captioned "Financial Condition – The Allowance for Credit Losses" below has further details on the allowance for credit losses and asset quality metrics.
Noninterest Income 
Noninterest income of $23.6 million for the three months ended September 30, 2025, was in line with the three months ended September 30, 2024, and noninterest income of $71.1 million was up $3.8 million, or 5.7%, from the nine months ended September 30, 2024. The increase in year-to-date noninterest income compared to the nine months ended September 30, 2024, was mainly attributable to a $1.9 million gain on the sale of OREO.
Insurance commissions and fees, the largest component of noninterest income, were $11.3 million for the third quarter of 2025, in line with the same period for the prior year. For the first nine months of 2025, insurance commissions and fees were up $1.9 million, or 6.1%, compared to the same period in 2024. The increase in revenues for the nine months ended September 30, 2025 compared to the same period in 2024 was due to growth in commercial and personal lines revenue from new business and rate increases related to market conditions, along with an increase in contingency revenue based on premium growth and improved ratios related to carrier profit sharing calculations.
Wealth management fees of $5.0 million in the third quarter of 2025 were in line with the third quarter of 2024. For the first nine months of 2025, wealth management fees were up $351,000, or 2.4% compared to the same period in 2024. Wealth management fees include trust services, financial planning, wealth management services, and brokerage related services. The fair value of assets managed by, or in custody of, Tompkins was $3.0 billion at September 30, 2025, down $228.7 million or 7.1% from September 30, 2024, mainly attributable to the sale of certain customer accounts. Excluding the sale of customer accounts fair value of assets managed by, or in custody of Tompkins would be flat compared to the same period prior year.
Card services income in the third quarter of 2025 was down $30,000, or 1.0% from the same period in 2024, and for the nine months ended September 30, 2025 was down $471,000, or 5.2% compared to the same period in 2024. The nine month period in 2024 included a one-time $255,000 sign-on bonus associated with renewal of a card services contract.
Other income of $2.6 million in the third quarter of 2025 was up $258,000, or 11.2%, compared to the same period in 2024. For the first nine months of 2025, other income of $9.4 million was up $2.1 million, or 28.7%, compared to the same period in 2024. The increase for the three months ended September 30, 2025 compared to the same period in 2024 was mainly due to gains on sales of residential loans, which were up $202,000. The increase for the nine months ended September 30, 2025 compared to the same period in 2024 was mainly attributable to a $1.9 million gain on the sale of OREO and gains on sales of residential loans, which were up $933,000, partially offset by decreases in derivatives related income, down $473,000 and income related to bank owned life insurance, down $388,000.
Noninterest Expense 
Noninterest expense of $53.8 million for the third quarter of 2025 was up $4.0 million or 8.0% over the third quarter of 2024. Noninterest expense of $156.1 million for the first nine months of 2025 was up $6.4 million, or 4.3%, compared to the same period in 2024. The increases in noninterest expense for the three and nine month periods were driven primarily by increased expenses associated with compensation and benefits.
Expenses associated with compensation and benefits comprise the largest component of noninterest expense. Total salaries, wages and benefits for the three months ended September 30, 2025, were up $1.7 million, or 5.4%, over the same period in 2024, and for the nine months ended September 30, 2025 were up $4.7 million or 5.0% over the same period in 2024. For both the three and nine months ended September 30, 2025, increases were driven largely by annual merit increases and increases in health insurance expense.
Other operating expenses for the three and nine months ended September 30, 2025 were up $2.1 million, or 16.2%, and $1.7 million, or 4.3%, respectively, from the same periods in 2024. Other operating expense for the third quarter and year-to-date period included an increase in professional fees of $1.6 million and $1.8 million, respectively, primarily related to investments to support future growth, and an increase in marketing expense of $768,000 and $821,000, respectively.
Income Tax Expense 
The provision for income taxes was $7.4 million for an effective rate of 23.9% for the third quarter of 2025, compared to a tax provision of $5.9 million and an effective rate of 23.9% for the same quarter in 2024. For the first nine months of 2025, the provision for income taxes was $20.3 million for an effective rate of 23.9% compared to tax provision of $16.0 million and an
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effective rate of 23.7% for the same period in 2024. The effective rates differ from the U.S. and state statutory rates primarily due to the effect of tax-exempt income from loans, securities and life insurance assets, and the income tax effects associated with stock-based compensation.
On July 4, 2025, HR.1 - One Big Beautiful Bill Act was signed into federal law and, among other things, enacted amendments to the federal tax laws. The Company does not expect the bill to have a material impact on our consolidated financial statements.
FINANCIAL CONDITION
Total assets were $8.5 billion at September 30, 2025, up $359.7 million, or 4.4%, from December 31, 2024. Total loans were up $268.1 million, or 4.5%, cash and cash equivalents were up $59.1 million, or 44.0%, and total securities were up $59.6 million, or 3.9%, compared to December 31, 2024. Total deposits at September 30, 2025 were up $581.3 million, or 9.0%, while other borrowings at September 30, 2025 were down $345.4 million, or 43.7%, from December 31, 2024.

Securities
As of September 30, 2025, the Company’s securities portfolio was $1.6 billion, or 18.9% of total assets compared to $1.5 billion, or 19.1% of total assets at year end 2024. The following tables detail the composition of the securities portfolio:
Available-for-Sale Debt SecuritiesSeptember 30, 2025December 31, 2024
(In thousands)Amortized CostFair ValueAmortized CostFair Value
U.S. Treasuries$55,405 $53,433 $75,141 $71,497 
Obligations of U.S. Government sponsored entities363,764 357,000 398,648 380,280 
Obligations of U.S. states and political subdivisions81,888 76,266 86,328 77,694 
Mortgage-backed securities - residential, issued by
U.S. Government agencies104,338 101,279 68,130 63,254 
U.S. Government sponsored entities772,888 700,631 736,376 636,360 
U.S. corporate debt securities2,500 2,444 2,500 2,447 
Total available-for-sale debt securities$1,380,783 $1,291,053 $1,367,123 $1,231,532 
Held-to-Maturity Debt SecuritiesSeptember 30, 2025December 31, 2024
(In thousands)Amortized CostFair ValueAmortized CostFair Value
U.S. Treasuries$85,885 $78,239 $86,049 $74,688 
Obligations of U.S. Government sponsored entities226,625 203,385 226,413 192,607 
Total held-to-maturity debt securities$312,510 $281,624 $312,462 $267,295 
As of September 30, 2025, the available-for-sale debt securities portfolio had net unrealized losses, which reflects the amount that the amortized cost exceeds fair value, of $89.7 million compared to net unrealized losses of $135.6 million at December 31, 2024. The decrease in unrealized losses related to the available-for-sale debt securities portfolio reflects interest rate volatility in the market, the volume and rates associated with securities purchases, and maturities in 2025. Management’s policy is to purchase investment grade securities that on average have relatively short duration, which helps mitigate interest rate risk and provides sources of liquidity without significant risk to capital.
The Company evaluates available-for-sale and held-to-maturity debt securities in an unrealized loss position to determine whether the decline in the fair value below the amortized cost basis (impairment) is the result of changes in interest rates or reflects a fundamental change in the credit worthiness of the underlying issuer. Any impairment that is not credit related is recognized in other comprehensive income (loss), net of applicable taxes. Credit-related impairment is recognized as an ACL on the Statement of Condition, limited to the amount by which the amortized cost basis exceeds the fair value, with a corresponding adjustment to earnings. Both the ACL and the adjustment to net income may be reversed if conditions change.
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The Company determined that at September 30, 2025, all impaired available-for-sale and held-to-maturity debt securities were impaired because of changes in interest rates and levels of market liquidity, relative to when the investment securities were purchased, and not due to the credit worthiness of the underlying issuers. The Company does not have the intent to sell these securities and does not believe it is more likely than not that the Company will be required to sell these securities before a recovery of amortized cost. Therefore, the Company carried no ACL at September 30, 2025 and there was no credit loss expense recognized by the Company with respect to the securities portfolio during the three and nine months ended September 30, 2025.
Loans and Leases
Loans and leases as of the end of the third quarter and prior year-end were as follows:
(In thousands)9/30/202512/31/2024
Commercial and industrial
Agriculture$101,797 $110,007 
Commercial and industrial other938,601 855,568 
Subtotal commercial and industrial1,040,398 965,575 
Commercial real estate
Construction381,678 385,931 
Agriculture226,656 217,582 
Commercial real estate other2,964,330 2,776,304 
Subtotal commercial real estate3,572,664 3,379,817 
Residential real estate
Home equity222,202 204,194 
Mortgages1,357,654 1,366,646 
Subtotal residential real estate1,579,856 1,570,840 
Consumer and other
Indirect90 229 
Consumer and other88,773 96,163 
Subtotal consumer and other88,863 96,392 
Leases10,936 12,484 
Total loans and leases6,292,717 6,025,108 
Less: unearned income and deferred costs and fees(4,646)(5,186)
Total loans and leases, net of unearned income and deferred costs and fees$6,288,071 $6,019,922 
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The below table shows a more detailed break-out of commercial real estate ("CRE") loans as of September 30, 2025 and December 31, 2024:
9/30/202512/31/2024
 (In thousands)Balance% CREBalance% CRE
Construction$381,678 10.68 %$385,931 11.40 %
Multi-family/Single family real estate736,190 20.61 %677,532 20.05 %
Agriculture226,655 6.34 %217,582 6.44 %
Retail1
481,527 13.48 %429,562 12.71 %
Hotels/motels191,464 5.36 %182,437 5.40 %
Office space2
241,728 6.77 %232,469 6.88 %
Industrial3
251,481 7.04 %243,616 7.21 %
Mixed Use359,666 10.07 %344,708 10.20 %
Medical4
172,202 4.82 %148,009 4.38 %
Other530,073 14.83 %517,971 15.33 %
Total$3,572,664 100.00 %$3,379,817 100.00 %
1Retail included 2.15% and 2.49%, respectively, of owner occupied real estate at September 30, 2025 and December 31, 2024.
2Office space included 1.59% and 1.31%, respectively, of owner occupied real estate at September 30, 2025 and December 31, 2024.
3Industrial included 2.68% and 2.59%, respectively, of owner occupied real estate at September 30, 2025 and December 31, 2024.
4Medical included 2.45% and 2.37%, respectively, of owner occupied real estate at September 30, 2025 and December 31, 2024.
Total loans and leases of $6.3 billion at September 30, 2025 were up $268.1 million, or 4.5%, from December 31, 2024, mainly in the commercial real estate and commercial and industrial loan portfolios. As of September 30, 2025, total loans and leases represented 74.3% of total assets compared to 74.2% of total assets at December 31, 2024.
Residential real estate loans, including home equity loans, were $1.6 billion at September 30, 2025, in line with December 31, 2024, and comprised 25.1% of total loans and leases at September 30, 2025.
The Company may sell residential real estate loans in the secondary market based on interest rate considerations. The Company's Asset/Liability Committee meets regularly and establishes standards for selling and retaining residential real estate mortgage originations. These residential real estate loans are generally sold to Federal Home Loan Mortgage Corporation ("FHLMC") or State of New York Mortgage Agency ("SONYMA") without recourse in accordance with standard secondary market loan sale agreements. These residential real estate loans also are subject to customary representations and warranties made by the Company, including representations and warranties related to gross incompetence and fraud. The Company has not had to repurchase any loans as a result of these representations and warranties.
During the first nine months of 2025 and 2024, the Company sold residential loans totaling $63.3 million and $29.5 million, respectively, recognizing gains of $1.6 million and $701,000, respectively. These residential real estate loans were sold without recourse in accordance with standard secondary market loan sale agreements. When residential mortgage loans are sold, the Company typically retains all servicing rights, which provides the Company with a source of fee income. Mortgage servicing rights totaled $1.5 million at September 30, 2025, and $1.1 million at December 31, 2024.
Commercial real estate loans and commercial and industrial loans totaled $3.6 billion and $1.0 billion, respectively, and represented 56.8% and 16.6%, respectively, of total loans and leases as of September 30, 2025. The commercial real estate portfolio was up $192.8 million, or 5.7%, compared to December 31, 2024, while commercial and industrial loans were up $74.8 million, or 7.7%, compared to December 31, 2024.
As of September 30, 2025, agriculturally-related loans totaled $328.5 million, or 5.2%, of total loans and leases, compared to $327.6 million, or 5.4%, of total loans and leases at December 31, 2024. Agriculturally-related loans include loans to dairy farms and crop farms. Agriculturally-related loans are primarily made based on identified cash flows of the borrower with consideration given to underlying collateral, personal guarantees, and government related guarantees. Agriculturally-related loans are generally secured by the assets or property being financed or other business assets such as accounts receivable, livestock, equipment or commodities/crops.
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The Company has adopted comprehensive lending policies, underwriting standards and loan review procedures. Management reviews these policies and procedures on a regular basis. The Company discussed its lending policies and underwriting guidelines for its various lending portfolios in Note 4 – "Loans and Leases" in the Notes to Consolidated Financial Statements contained in the Company’s Annual Report on Form 10-K for the year ended December 31, 2024. There have been no significant changes in these policies and guidelines since the date of that report. The Company’s Board of Directors approves the lending policies at least annually. The Company recognizes that exceptions to policy guidelines may occasionally occur and has established procedures for approving exceptions to these policy guidelines. Management has also implemented reporting systems to monitor loan originations, loan quality, concentrations of credit, loan delinquencies and nonperforming loans and potential problem loans.
The Company’s loan and lease customers are located primarily in the New York and Pennsylvania communities served by its subsidiary bank. Although operating in numerous communities in New York and Pennsylvania, the Company is still dependent on the general economic conditions of these states and the local economic conditions of the communities within those states in which the Company does business.
The Allowance for Credit Losses
The below table represents the allowance for credit losses as of September 30, 2025 and December 31, 2024. The table provides, as of the dates indicated, an allocation of the allowance for credit losses for inherent loan losses by type. The allocation is neither indicative of the specific amounts or the loan categories in which future charge-offs may occur, nor is it an indicator of future loss trends. The allocation of the allowance for credit losses to each category does not restrict the use of the allowance to absorb losses in any category.
(In thousands)09/30/202512/31/20249/30/2024
Allowance for credit losses
Commercial and industrial$11,532 $7,684 $7,614 
Commercial real estate36,125 35,837 33,864 
Residential real estate10,878 11,345 12,376 
Consumer and other1,299 1,568 1,467 
Finance leases55 62 63 
Total$59,889 $56,496 $55,384 
Allowance for credit losses as a percentage of total loans and leases0.95 %0.94 %0.94 %
Allowance/nonperforming loans and leases113.06 %111.06 %88.51 %
Activity in the Company’s allowance for credit losses during the first nine months of 2025 and 2024 is illustrated in the table below:
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Analysis of the Allowance for Credit Losses
(In thousands)9/30/20259/30/2024
Average loans outstanding during period$6,124,469 $5,713,780 
Balance of allowance at beginning of year56,496 51,584 
LOANS CHARGED-OFF:
Commercial and industrial936 283 
Commercial real estate4,882 0 
Consumer and other1,892 1,867 
Total loans charged-off$7,710 $2,150 
RECOVERIES OF LOANS PREVIOUSLY CHARGED-OFF:
Commercial and industrial69 29 
Commercial real estate4 6 
Residential real estate90 130 
Consumer and other440 336 
Total loans recovered$603 $501 
Net loans charged-off (recovered)7,107 1,649 
Provision for credit losses related to loans10,500 5,449 
Balance of allowance at end of period$59,889 $55,384 
Allowance for credit losses as a percentage of total loans and leases0.95 %0.94 %
Annualized net charge-offs on loans to average total loans and leases during the period0.46 %0.04 %
As of September 30, 2025, the allowance for credit losses was $59.9 million, representing 0.95% of total loans and leases, compared to $56.5 million and 0.94% of total loans and leases at December 31, 2024 and $55.4 million and 0.94% of total loans and leases at September 30, 2024. The increase in the allowance for credit losses from year-end 2024 reflects loan growth, mainly in commercial real estate and commercial loans, and a one basis point increase in the coverage ratio. The increase in the coverage ratio was mainly driven by higher reserves for individually evaluated loans, and increased reserves for large loans and quantitative reserves resulting from loan growth, updated model assumptions based on the annual model review, and updated economic forecasts for unemployment and gross domestic product for the quarter. These increases were partially offset by lower qualitative reserves, which were added at year end and largely related to asset quality metrics.
The provision for credit losses for loans was $2.5 million for the three months ended September 30, 2025, compared to $3.2 million for the same period in 2024. For the nine month period ended September 30, 2025, the provision for credit losses for loans was $10.5 million compared to $5.4 million for the same period in 2024. The provision expense for credit losses for loans is based upon the Company's quarterly evaluation of the appropriateness of the allowance for credit losses. The increase in provision expense for the year-to-date period compared to the same period in 2024 was mainly due to the partial charge-off of $4.7 million related to one commercial real estate relationship totaling $18.1 million, during the second quarter of 2025.
Net loan and lease charge-offs for the three and nine months ended September 30, 2025 were $1.1 million and $7.1 million, respectively, compared to net charge-offs of $912,000 and $1.6 million, respectively, for the same periods in 2024. The increase in net charge-offs for the nine months ended September 30, 2025 compared to the prior year period was largely related to one commercial real estate relationship as discussed above.
Allowance for Credit Losses on Off-Balance Sheet Credit Exposures
Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit. The Company's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for off-balance sheet loan commitments is represented by the contractual amount of those instruments. Such financial instruments are recorded when they are funded. The Company records an allowance for credit losses on off-balance sheet credit exposures, unless the commitments to extend credit are unconditionally cancellable, through a charge to credit loss expense for off-balance sheet credit exposures included in provision for credit loss expense in the Company's consolidated statements of income.
For the three months ended September 30, 2025, the provision for credit losses for off-balance sheet credit exposures was $36,000 compared to a credit of $1.1 million for the same period in 2024. For the nine month period ended September 30, 2025, the provision for credit losses for off-balance sheet credit exposures was $57,000 compared to a credit of $249,000 for the same
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period in 2024. The increase for both periods in 2025 over 2024 was mainly driven by updates to model assumptions related to average utilization rates for lines of credit.
Analysis of Past Due and Nonperforming Loans  
(In thousands)9/30/202512/31/20249/30/2024
Loans 90 days past due and accruing
Residential real estate$1 $9 $5 
Consumer and other165 314 188 
Total loans 90 days past due and accruing$166 $323 $193 
Nonaccrual loans
Commercial and industrial$4,978 $1,542 $2,223 
Commercial real estate31,122 32,590 43,993 
Residential real estate16,611 16,278 16,013 
Consumer and other94 138 152 
Total nonaccrual loans$52,805 $50,548 $62,381 
Total nonperforming loans and leases$52,971 $50,871 $62,574 
Other real estate owned0 14,314 81 
Total nonperforming assets$52,971 $65,185 $62,655 
Total nonperforming loans and leases as percentage of total loans and leases0.84 %0.85 %1.06 %
Total nonperforming assets as percentage of total assets0.63 %0.80 %0.78 %
Asset quality measures at September 30, 2025 were mixed when compared with December 31, 2024. Nonperforming loans and leases were up $2.1 million, or 4.1%, compared to year end 2024 and represented 0.84% of total loans at September 30, 2025, down 1 basis point compared to December 31, 2024. Loans past due 30-89 days totaled $7.8 million at September 30, 2025, down $21.0 million from year-end 2024. Loans internally-classified Special Mention or Substandard were up $33.1 million, or 29.8%, compared to December 31, 2024. The increase was mainly a result of two loans totaling $41.2 million being downgraded to Special Mention during the third quarter of 2025. The two loans include one commercial real estate loan for $21.1 million that is secured by real estate and pledged securities, and one commercial loan for $20.1 million that is secured by all business assets. The Company believes that the existing collateral securing the loans is sufficient to cover the exposure.
Nonperforming assets include loans past due 90 days and accruing, nonaccrual loans, and foreclosed real estate/other real estate owned. Total nonperforming assets of $53.0 million at September 30, 2025 were down $12.2 million, or 18.7%, compared to December 31, 2024, and $9.7 million, or 15.5%, compared to September 30, 2024. The decrease in nonperforming assets at September 30, 2025 compared to December 31, 2024 was largely due to one property totaling approximately $14.3 million in other real estate owned that was sold during the first quarter of 2025. Nonperforming assets represented 0.63% of total assets at September 30, 2025, down from 0.80% at December 31, 2024, and 0.78% at September 30, 2024. Our peer group's average ratio of nonperforming assets to total assets was 0.60% at June 30, 2025.
In general, the Company places a loan on nonaccrual status if principal or interest payments become 90 days or more past due and/or management deems the collectability of the principal and/or interest to be in question, as well as when required by applicable regulations. Although on nonaccrual status, the Company may continue to receive payments on these loans. These payments are generally recorded as a reduction to principal, and interest income is recorded only after principal recovery is reasonably assured.
The Company, through its internal loan review function, identified 13 commercial relationships from the loan portfolio totaling $22.6 million at September 30, 2025, that were potential problem Substandard loans. At December 31, 2024, the Company had identified 16 relationships totaling $41.2 million that were potential problem loans. Of the 13 relationships at September 30, 2025 that were Substandard, there were 3 relationships that equaled or exceeded $1.0 million, which in aggregate totaled $19.2 million, the largest of which was $15.9 million. The Company continues to monitor these potential problem relationships; however, management cannot predict the extent to which changing economic conditions or other factors may further impact borrowers. These loans remain in a performing status due to a variety of factors, including payment history, the value of collateral supporting the credits, and government guarantees. These factors, when considered in the aggregate, give management reason to believe that the current risk exposure on these loans does not warrant accounting for these loans as nonperforming. However, these loans do exhibit certain risk factors, which have the potential to cause them to become
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nonperforming. Accordingly, management's attention is focused on these credits, which are reviewed on at least a quarterly basis.
Capital
Total equity was $788.8 million at September 30, 2025, an increase of $75.4 million, or 10.6%, from December 31, 2024. The increase was driven by net income generation of $64.8 million for the nine months ended September 30, 2025, partially offset by dividends declared of $26.9 million and a $34.7 million increase in accumulated other comprehensive income due primarily to the change in the fair value of securities available for sale.
The Company and its subsidiary bank are subject to various regulatory capital requirements administered by Federal bank regulatory agencies. Failure to meet minimum capital requirements can lead to the initiation of certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material adverse effect on the Company’s business, results of operation and financial condition. Under capital adequacy guidelines and the regulatory framework for prompt corrective action (PCA), banks must meet specific guidelines that involve quantitative measures of assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. Capital amounts and classifications of the Company and its subsidiary banks are also subject to qualitative judgments by regulators concerning components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the maintenance of minimum amounts and ratios of common equity Tier 1 capital, Total capital and Tier 1 capital to risk-weighted assets, and of Tier 1 capital to average assets. Management believes that as of September 30, 2025, the Company and its subsidiary bank met all capital adequacy requirements to which they are subject.
The following table provides a summary of the Company’s capital ratios as of September 30, 2025:
Regulatory Capital Analysis
September 30, 2025ActualMinimum Capital Required - Basel III Fully Phased-InWell Capitalized Requirement
(dollar amounts in thousands)AmountRatioAmountRatioAmountRatio
Total Capital (to risk weighted assets)$840,582 13.27 %$665,055 10.50 %$633,386 10.00 %
Tier 1 Capital (to risk weighted assets)779,173 12.30 %538,378 8.50 %506,709 8.00 %
Tier 1 Common Equity (to risk weighted assets)779,173 12.30 %443,370 7.00 %411,701 6.50 %
Tier 1 Capital (to average assets)779,173 9.41 %331,068 4.00 %413,835 5.00 %
As of September 30, 2025, the Company’s capital ratios exceeded the minimum required capital ratios plus the fully phased-in capital conservation buffer, and the minimum required capital ratios for well capitalized institutions. The capital levels required for an institution to be considered well capitalized, presented in the above table, are based upon prompt corrective action regulations, as amended to reflect the changes under Basel III Capital Rules.
Total capital as a percent of risk weighted assets increased to 13.3% at September 30, 2025, compared with 13.1% at December 31, 2024. Tier 1 capital as a percent of risk weighted assets increased to 12.3% at September 30, 2025 compared to 12.1% at December 31, 2024. Tier 1 capital as a percent of average assets was 9.4% at September 30, 2025, up from 9.3% as of December 31, 2024. Common equity Tier 1 capital was 12.3% at September 30, 2025, up from 12.1% at December 31, 2024.
As of September 30, 2025, the capital ratios for the Company’s subsidiary bank also exceeded the minimum required capital ratios for well capitalized institutions, plus the fully phased-in capital conservation buffer.
Deposits and Other Liabilities
Total deposits of $7.1 billion at September 30, 2025 were up $581.3 million, or 9.0%, compared to December 31, 2024, and were up $475.2 million, or 7.2%, compared to September 30, 2024. The increase from year-end 2024 was primarily in checking, money market and savings accounts, which were up $345.9 million, or 9.7%, and time deposits, which were up $173.7 million, or 16.3%. The increase includes the seasonal inflow of municipal deposits reflecting the collection of tax receipts. The increase in time deposits included a $132.7 million increase in brokered time deposits.
At September 30, 2025, the Company estimated total uninsured deposits of $2.9 billion. These uninsured deposit balances of $2.9 billion included $1.1 billion of collateralized government deposits, and $1.8 billion of uninsured deposits without liquid collateral pledged.
The Company is a participant in the IntraFi Network's IntraFi Cash Service (ICS) and Certificate of Deposit Account Registry Service (CDARS) programs. The Company uses these deposit sweep services to place customer funds from interest-bearing
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demand accounts, money market accounts, and/or time deposits to be placed with other participating network banks. Customer funds are placed at one or more participating banks to ensure that each deposit customer is eligible for the full amount of FDIC insurance. As a program participant, we receive reciprocal amounts of deposits from other participating network banks equal to the amount of our customer funds placed in the IntraFi Network. In addition to the reciprocal funding programs, the Company may utilize both the ICS and CDARS programs to obtain wholesale funding through One-Way Buy transactions. Funds obtained using One-Way Buy transactions are classified as brokered deposits. At September 30, 2025 the Company held $15.5 million in CDARS One-Way Buy funds and $12.5 million of ICS One-Way Buy funds.
The most significant source of funding for the Company is core deposits. The Company defines core deposits as total deposits less time deposits of $250,000 or more, brokered deposits, municipal money market deposits, and reciprocal deposit relationships with municipalities. Core deposits increased by $360.0 million, or 6.8%, from year-end 2024, to $5.6 billion at September 30, 2025. Core deposits at September 30, 2025 were up $277.8 million, or 5.2% from September 30, 2024. Core deposits represented 79.7% of total deposits at September 30, 2025, compared to 81.3% of total deposits at December 31, 2024 and 81.3% at September 30, 2024.
The Company uses both retail and wholesale repurchase agreements. Retail repurchase agreements are arrangements with local customers of the Company, in which the Company agrees to sell securities to the customer with an agreement to repurchase those securities at a specified later date. Retail repurchase agreements totaled $44.8 million at September 30, 2025, and $37.0 million at December 31, 2024. Management generally views retail repurchase agreements as an alternative to large time deposits.
The Company has established several unsecured Federal funds purchased lines through various correspondent bank relationships, totaling $149.0 million. Federal funds purchased from correspondent banks totaled $36.0 million as of September 30, 2025 compared to $0 at December 31, 2024.
The Company’s other borrowings totaled $444.9 million at September 30, 2025, down $345.4 million, or 43.7%, from $790.2 million at December 31, 2024. The decrease in other borrowings was mainly due to increased deposit balances. Borrowings at September 30, 2025 consisted of $271.5 million in FHLB overnight advances and $173.4 million of FHLB term advances, compared to $247.0 million FHLB overnight advances and $543.2 million of FHLB term advances at year end 2024. Of the $173.4 million in FHLB term advances at September 30, 2025, $98.4 million was due to mature in less than one year and $75.0 million was due to mature in over one year.
Liquidity
The objective of liquidity management is to ensure the availability of adequate funding sources to satisfy anticipated demand for credit, deposit withdrawals, and business investment opportunities. The Company’s large, stable core deposit base and strong capital position are the foundation for the Company’s liquidity position. The Company uses a variety of resources to meet its liquidity needs, which include deposits, cash and cash equivalents, short-term investments, cash flow from lending and investing activities, repurchase agreements, and borrowings. The Company’s Asset/Liability Management Committee monitors asset and liability positions of the Company’s subsidiary bank individually and on a combined basis. The Committee reviews periodic reports on liquidity and interest rate sensitivity positions. Comparisons with industry and peer groups are also monitored. The Company’s strong reputation in the communities it serves, along with its strong financial condition, provides access to numerous sources of liquidity as described below. Management believes these diverse liquidity sources provide sufficient means to meet all demands on the Company’s liquidity that are reasonably likely to occur. Management measures liquidity, including the level of cash, unencumbered securities, and the availability of dependable borrowing sources. The Board has set a policy limit stating that reliable sources of liquidity should remain in excess of 6% of total assets. The ratio was 14.9% at September 30, 2025, and 14.7% at December 31, 2024. In addition, the Company maintains access to the Federal Reserve Bank borrowing facility, which improved the reliable sources of liquidity ratio by an additional 2.9% at September 30, 2025, and 1.7% at December 31, 2024, to 17.8% and 16.4%, respectively. The Company also maintains board policy limits requiring that on-balance sheet liquidity, which includes liquid assets including cash, overnight funds sold, short-term investments, fair value of encumbered investment securities, and the guaranteed portion of government and agency loans, remain above 3% of total assets. As of the end of the third quarter of 2025, this ratio was 9.8%.
Core deposits, discussed above under "Deposits and Other Liabilities", are a primary and low-cost funding source obtained primarily through the Bank's branch network. In addition to core deposits, the Company uses non-core funding sources to support asset growth. These non-core funding sources include time deposits of $250,000 or more, municipal money market deposits, reciprocal deposits, bank borrowings, securities sold under agreements to repurchase and overnight and term advances from the FHLB. Rates and terms are the primary determinants of the mix of these funding sources. Non-core funding sources of $2.0 billion at September 30, 2025 decreased $80.3 million, or 3.9%, as compared to December 31, 2024. Non-core funding sources, as a percentage of total liabilities, were 25.5% at September 30, 2025, compared to 27.5% at December 31, 2024.
56

Non-core funding sources may require securities to be pledged against the underlying liability. Securities held with a carrying value of $985.8 million at September 30, 2025 and $904.2 million at December 31, 2024, were either pledged or sold under agreements to repurchase. Pledged securities represented 58.2% of total securities at September 30, 2025, compared to 53.8% of total securities at December 31, 2024.
Cash and cash equivalents totaled $193.5 million as of September 30, 2025 which increased from $134.4 million at December 31, 2024. Short-term investments, consisting of securities due in one year or less, decreased from $99.2 million at December 31, 2024, to $69.4 million at September 30, 2025.
Cash flow from the loan and investment portfolios provides a significant source of liquidity. These assets may have stated maturities in excess of one year, but have monthly principal reductions. Total mortgage-backed securities, at fair value, were $801.9 million at September 30, 2025 compared with $699.6 million at December 31, 2024. Outstanding principal balances of residential mortgage loans, consumer loans, and leases totaled approximately $1.7 billion at September 30, 2025, in line with December 31, 2024. Aggregate amortization from monthly payments on these assets provides significant additional cash flow to the Company.
The Company's liquidity is enhanced by ready access to national and regional wholesale funding sources including Federal funds purchased, repurchase agreements, brokered deposits, and FHLB advances. Through its subsidiary bank, the Company has borrowing relationships with the FHLB and correspondent banks, which provide secured and unsecured borrowing capacity. As a member of the FHLB, the Company can use certain unencumbered mortgage-related assets and securities to secure borrowings from the FHLB. At September 30, 2025, the established borrowing capacity with the FHLB was $1.3 billion, or 15.9% of total assets, with available unencumbered mortgage-related assets of $550.7 million. Additional assets may also qualify as collateral for FHLB advances, upon approval of the FHLB. Additionally, through various programs at the Federal Reserve Bank, the Company has the ability to use certain unencumbered loans and securities to secure borrowings from the Federal Reserve Bank's Discount Window. At September 30, 2025 the Company's available borrowing capacity with the Federal Reserve Bank was $242.7 million, all of which was secured by loans. In addition to the available borrowing lines at the FHLB and Federal Reserve Bank, as of September 30, 2025, the Company maintained $598.9 million of unencumbered securities which could be pledged to further enhance secured borrowing capacity.
Non-GAAP Disclosure
The following table includes disclosure of non-GAAP financial measures. Tangible common equity, a non-GAAP financial measure, is total stockholders' equity less intangible assets. Tangible book value per share is tangible equity divided by total shares issued and outstanding. These measures adjust common equity per share to exclude the effects of goodwill and intangible amortization expense on earnings, equity, and capital. The Company believes the non-GAAP measures provide meaningful comparisons of our underlying operational performance and facilitate management's and investors' assessments of business and performance trends in comparison to others in the financial services industry. These non-GAAP financial measures should not be considered in isolation or as a measure of the Company's profitability or liquidity; they should be considered as supplemental in nature and not as a substitute for the related financial information prepared in accordance with GAAP. Tangible common equity and tangible book value per share as presented herein may be different from non-GAAP financial measures used by other companies, and may not be comparable to similarly titled measures reported by other companies. Further, the Company may utilize other measures to illustrate performance in the future. Non-GAAP financial measures have limitations since they do not reflect all of the amounts associated with the Company's results of operations as determined in accordance with GAAP.
Reconciliation of Tangible Book Value Per Share (non-GAAP) to Common Equity Book Value Per Share (GAAP)
Quarter-EndedYear-ended
(In thousands, except share and per share data)9/30/202512/31/2024
Total common equity (GAAP)$788,805 $713,444 
Less: Goodwill and intangibles93,40593,670 
Tangible common equity (Non-GAAP)695,400619,774 
Ending shares outstanding14,431,300 14,436,363 
Common equity book value per share (GAAP)$54.66 $49.42 
Tangible book value per share (Non-GAAP)$48.19 $42.93 
57

Item 3. Quantitative and Qualitative Disclosure About Market Risk
Interest rate risk is the primary market risk category associated with the Company’s operations. Interest rate risk refers to the volatility of earnings caused by changes in interest rates. The Company manages interest rate risk using income simulation to measure interest rate risk inherent in its on-balance sheet and off-balance sheet financial instruments at a given point in time. The simulation models are used to estimate the potential effect of interest rate shifts on net interest income for future periods. Each quarter the Company’s Asset/Liability Management Committee reviews the simulation results to determine whether the exposure of net interest income to changes in interest rates remains within Board-approved levels. The Committee also considers strategies to manage this exposure and incorporates these strategies into the investment and funding decisions of the Company. The Company uses derivatives to manage various risks and to accommodate the business requirements of its customers. Additional information on derivatives is available in "Note 11 - Derivatives and Hedging Activities" in the Notes to Consolidated Financial Statements in Part I, Item 1, "Financial Statements" of this Report on Form 10-Q.
The Company’s Board of Directors has set a policy that interest rate risk exposure will remain within a range whereby net interest income will not decline by more than 10% in one year as a result of a 100 basis point parallel change in rates. Based upon the most recent simulation analysis performed as of August 31, 2025, a 200 basis point parallel upward change in interest rates over a one-year time frame would result in a one-year decrease in net interest income from the base case of approximately 2.3%, while a 200 basis point parallel decline in interest rates over a one-year period would result in a one year increase in net interest income of 2.3% from the base case. This simulation assumes no balance sheet growth, no changes in balance sheet mix, deposit rates move in a manner that reflects the historical relationship between deposit rate movement and changes in Federal funds rate, and no management action to address balance sheet mismatches.
The decrease in net interest income in the rising rate scenario is a result of the balance sheet showing a more liability sensitive position over a one-year time horizon. As such, in the short-term net interest income is expected to trend slightly below the base assumption, as upward adjustments to rate sensitive deposits and short-term funding outpace increases to asset yields which are concentrated in intermediate to longer-term products. As intermediate and longer-term assets continue to reprice/adjust into higher rate environment and funding costs stabilize, the simulation shows net interest income is expected to trend upwards.
The down 200 basis point scenario increases net income in the first year as a result of the Company's assets repricing downward to a lesser degree than the rates on the Company's interest-bearing liabilities, mainly deposits and overnight borrowings. The model assumes that prepayments accelerate in the down interest rate environment resulting in additional pressure on asset yields as proceeds are reinvested at lower rates.
The most recent simulation of a base case scenario, which in addition to the above assumptions, also assumes interest rates remain unchanged from the date of the simulation, reflects net interest income trending higher over the next 12 to 18 months.
Although the simulation model is useful in identifying potential exposure to interest rate movements, actual results may differ from those modeled as the repricing, maturity, balance sheet mix, and prepayment characteristics of financial instruments may change to a different degree than modeled. In addition, the model does not reflect actions that management may employ to manage the Company's interest rate risk exposure. The Company’s current liquidity profile, capital position, and growth prospects offer a level of flexibility for management to take actions that could offset some of the negative effects of unfavorable movements in interest rates. Management believes the current exposure to changes in interest rates is not significant in relation to the earnings and capital strength of the Company.
In addition to the simulation analysis, management uses an interest rate gap measure. The table below is a Condensed Static Gap Report, which illustrates the anticipated repricing intervals of assets and liabilities as of September 30, 2025. The Company’s one-year net interest rate gap was a negative $107.4 million, or 1.27% of total assets at September 30, 2025, compared with a negative $565.8 million, or 6.98% of total assets at December 31, 2024. A negative gap position exists when the amount of interest-bearing liabilities maturing or repricing exceeds the amount of interest-earning assets maturing or repricing within a particular time period. This analysis suggests that the Company’s net interest income contains a higher degree of risk in a rising rate environment over the next 12 months. An interest rate gap measure could be affected by external factors such as a rise or decline in interest rates, loan or securities prepayments, and deposit withdrawals.
58

Condensed Static Gap - September 30, 2025Repricing Interval 
(In thousands)Total0-3 months3-6 months6-12 monthsCumulative 12 months
Interest-earning assets1
$8,125,618 $1,815,377 $350,951 $611,969 $2,778,297 
Interest-bearing liabilities5,672,597 2,179,787 377,348 328,562 2,885,697 
Net gap position$(364,410)$(26,397)$283,407 $(107,400)
Net gap position as a percentage of total assets(4.30)%(0.31)%3.35 %(1.27)%
 1 Balances of available securities are shown at amortized cost
Item 4. Controls and Procedures
Evaluation of Disclosure Controls and Procedures
The Company’s management, with the participation of the Company’s Chief Executive Officer and Chief Financial Officer, evaluated the effectiveness of the design and operation of the Company’s disclosure controls and procedures (as defined in Rule 13a-15(e) under the Securities Exchange Act of 1934, as amended) as of September 30, 2025.
Based upon that evaluation, the Company's Chief Executive Officer and Chief Financial Officer concluded that, as of the end of the period covered by this Report on Form 10-Q, the Company's disclosure controls and procedures were effective.
Changes in Internal Control Over Financial Reporting
There were no changes in the Company's internal control over financial reporting that occurred during the quarter ended September 30, 2025, that materially affected, or are reasonably likely to materially affect, the Company's internal control over financial reporting.
PART II - OTHER INFORMATION
Item 1. Legal Proceedings 
The Company is subject to various claims and legal actions that arise in the ordinary course of conducting business. As of September 30, 2025, management, after consultation with legal counsel, does not anticipate that the aggregate ultimate liability arising out of litigation pending or threatened against the Company or its subsidiaries will be material to the Company's consolidated financial position. On at least a quarterly basis, the Company assesses its liabilities and contingencies in connection with such legal proceedings. Although the Company does not believe that the outcome of pending litigation will be material to the Company's consolidated financial position, it cannot rule out the possibility that such outcomes will be material to the consolidated results of operations for a particular reporting period in the future.
Item 1A. Risk Factors
There have been no material changes in the risk factors previously disclosed under Item 1A. in the Company's Annual Report on Form 10-K, for the fiscal year ended December 31, 2024.
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds
Issuer Purchases of Equity Securities
Total Number of Shares PurchasedAverage Price Paid Per ShareTotal Number of Shares Purchased as Part of Publicly Announced Plans or ProgramsMaximum Number of Shares that May Yet Be Purchased Under the Plans or Programs
(a)(b)(c)(d)
July 1, 2025 through July 31, 20253,100 $65.65 0 400,000 
August 1, 2025 through August 31, 2025666 66.16 0 400,000 
September 1, 2025 through September 30, 20250 0.00 0 400,000 
Total3,766 $65.74 0 400,000 
Included in the table above are 3,100 shares purchased in July 2025, at an average cost of $65.65, and 666 shares purchased in August 2025, at an average cost of $66.16, by the trustee of the rabbi trust established by the Company under the Company’s
59

Stock Retainer Plan For Eligible Directors of Tompkins Financial Corporation and Participating Subsidiaries (the "Director Retainer Plan"), which were part of the director deferred compensation under that plan.
On July 20, 2023, the Company’s Board of Directors authorized a share repurchase plan (the “2023 Repurchase Plan”) under which the Company could repurchase up to 400,000 shares of the Company’s common stock over the 24 months following adoption of the plan. The 2023 Repurchase Plan expired by its terms on July 20, 2025.
On July 24, 2025, the Company’s Board of Directors authorized a replacement share repurchase plan (the “2025 Repurchase Plan”) under which the Company may repurchase up to 400,000 shares of the Company’s common stock over the 24 months following adoption of the plan. Shares may be repurchased from time to time under the 2025 Repurchase Plan in open market transactions at prevailing market prices, in privately negotiated transactions, or by other means in accordance with federal securities laws. The Company has no obligation to repurchase any shares and may discontinue repurchases at any time. As of September 30, 2025, no shares had been repurchased under the 2025 Repurchase Plan.
Recent Sales of Unregistered Securities
On July 3, 2025, we issued an aggregate of 590 shares of our common stock to non-employee members of our Board of Directors who elected to receive all or a portion of their quarterly director retainer fees in Company stock pursuant to the Director Retainer Plan. These shares were valued based on the closing market price per share of our common stock of $65.65 on July 3, 2025, for an aggregate value of $38,733.50. The shares were issued to our non-employee directors in private transactions exempt from registration pursuant to Section 4(a)(2) of the Securities Act of 1933, as amended.
Item 3. Defaults Upon Senior Securities
None
Item 4. Mine Safety Disclosures
Not applicable
Item 5. Other Information
(a)
None
(b)
None
(c)
None
60

Item 6. Exhibits
EXHIBIT INDEX
Exhibit NumberDescription
3.1
Amended and Restated Certificate of Incorporation of the Company, incorporated herein by reference to Exhibit 3(i) to the Company’s Form 10-Q, filed with the Commission on August 11, 2008.
3.2
Second Amended and Restated Bylaws of the Company, incorporated herein by reference to Exhibit 3.1 to the Company’s Current Report on Form 8-K, filed with the Commission on January 31, 2011.
31.1
Certification of Principal Executive Officer as required by Rule 13a-14(a) of the Securities Exchange Act of 1934, as amended (filed herewith).
31.2
Certification of Principal Financial Officer as required by Rule 13a-14(a) of the Securities Exchange Act of 1934, as amended (filed herewith).
32.1
Certification of Principal Executive Officer as required by Rule 13a-14(b) of the Securities Exchange Act of 1934, as amended, 18 U.S.C. Section 1350 (filed herewith).
32.2
Certification of Principal Financial Officer as required by Rule 13a-14(b) of the Securities Exchange Act of 1934, as amended, 18 U.S.C. Section 1350 (filed herewith).
101 INS**The instance document does not appear in the interactive data file because its XBRL tags are embedded within the inline XBRL document
101 SCH**Inline XBRL Taxonomy Extension Schema Document
101 CAL**Inline XBRL Taxonomy Extension Calculation Linkbase Document
101 DEF**Inline XBRL Taxonomy Extension Definition Linkbase Document
101 LAB**Inline XBRL Taxonomy Extension Label Linkbase Document
101 PRE**Inline XBRL Taxonomy Extension Presentation Linkbase Document
104
Cover Page Interactive Data File - the cover page interactive data file does not appear in the interactive data file because its XBRL tags are embedded with the inline XBRL document.
** Attached as Exhibit 101 to this report are the following formatted in Inline XBRL (eXtensible Business Reporting Language): (i) Consolidated Statements of Condition as of September 30, 2025 and December 31, 2024; (ii) Consolidated Statements of Income for the three and nine months ended September 30, 2025 and 2024; (iii) Consolidated Statements of Comprehensive Income for the three and nine months ended September 30, 2025 and 2024; (iv) Consolidated Statements of Cash Flows for the nine months ended September 30, 2025 and 2024; (v) Consolidated Statements of Changes in Shareholders' Equity for the three and nine months ended September 30, 2025 and 2024; and (vi) Notes to Unaudited Consolidated Financial Statements.
61

SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
Date: October 28, 2025
TOMPKINS FINANCIAL CORPORATION
By:/s/ Stephen S. Romaine 
 Stephen S. Romaine 
 President and Chief Executive Officer 
 (Principal Executive Officer) 
By:/s/ Matthew D. Tomazin 
 Matthew D. Tomazin 
 Executive Vice President, Chief Financial Officer, and Treasurer
 (Principal Financial Officer) 
62

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