The presentation confirms steady operational momentum with expanding NIM and solid loan growth, but noninterest income is structurally lower post-insurance sale. Monitor the next 10-Q for net interest margin trajectory and expense control, as the bank continues to deploy excess capital from the TIA sale.
Price Chart
Executive Summary
Tompkins Financial presented at the KBW Summer Bank Conference on July 28, 2026, providing an investor presentation that includes Q2 2026 financial highlights. Net income rose to $29.3M in Q2 2026 from $21.5M in Q2 2025, with EPS of $2.04 (diluted) vs. $1.50 a year ago. Net interest margin expanded 50 bps year-over-year to 3.58%, and total deposits grew 4.7% to $7.0B. The presentation emphasizes strong credit quality, a diversified loan portfolio, and a solid capital position following the sale of Tompkins Insurance Agency in Q4 2025. The filing is a routine investor conference presentation with no new material guidance or surprises.
Key Facts
- Q2 2026 net income of $29.3M, up from $21.5M in Q2 2025.
- Diluted EPS of $2.04 in Q2 2026 vs. $1.50 in Q2 2025.
- Net interest margin of 3.58% in Q2 2026, up 50 bps year-over-year.
- Total deposits of $7.0B at Q2 2026, up 4.7% year-over-year.
- Total assets of $8.8B at Q2 2026.
- Noninterest income declined to $13.1M in Q2 2026 from $22.5M in Q2 2025, primarily due to the sale of Tompkins Insurance Agency in Q4 2025.
- Noninterest expense decreased to $47.1M in Q2 2026 from $51.6M in Q2 2025.
- Loan growth of 6.9% LTM vs. 6.1% 5-year CAGR (net of PPP).
- 10-year average net charge-off rate of 0.05%.
- Tangible equity/tangible assets ratio of 10.16% at Q2 2026.
- Total risk-based capital ratio of 14.47% at Q2 2026.
Financial Impact
Q2 2026 net income of $29.3M, EPS $2.04 diluted; net interest margin 3.58%; total deposits $7.0B.
Risk Factors
- Noninterest income permanently reduced following the sale of Tompkins Insurance Agency.
- Potential for margin compression if deposit costs rise faster than asset yields.
- Commercial real estate concentration (42% of loan portfolio) could face stress in a downturn.
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (TMP) — Batch item 1 | 0001005817-26-000105 |
| Document: investorpresentationq220.htm | 0001005817-26-000105 |
| Document: 0001005817-26-000105-index-headers.html | 0001005817-26-000105 |
| Document: 0001005817-26-000105-index.html | 0001005817-26-000105 |
| Document: 0001005817-26-000105.txt | 0001005817-26-000105 |
| 8-K Filing (TMP) — Batch item 6 | 0001005817-26-000105 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 23, 2026 3d ago | 8-K | $101.20 $102.47 | ▲ +1.25% | ▲ +0.54% | $101.20 (−0.00%) |
Jul 28, 2026 12w ago | 8-K | $101.25 $99.44 | ▼ −1.79% | ▼ −0.25% | $101.20 (−0.05%) |
Jul 24, 2026 13w ago | 8-K | $101.12 $99.68 | ▼ −1.42% | ▼ −1.45% | $101.20 (+0.08%) |
May 19, 2026 22w ago | 8-K | $83.16 $85.46 | ▲ +2.77% | ▲ +1.73% | $101.20 (+21.69%) |
Apr 27, 2026 26w ago | 8-K | $83.53 $85.57 | ▲ +2.44% | ▲ +2.92% | $101.20 (+21.15%) |
Apr 24, 2026 26w ago | 8-K | $81.69 $84.19 | ▲ +3.06% | ▲ +2.90% | $101.20 (+23.89%) |
US Market Status
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