# TOMPKINS COMMUNITY BANK
ITHACA, NY · FDIC certificate 609 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $8.79B | |
| Deposits | $7.17B | |
| Loans and leases | $6.60B | |
| Total equity | $815.8M | |
| Loans / deposits | 91.25% (p64 of band) | 87.10% |
| Liquid assets / assets | 21.09% (p49 of band) | |
| Uninsured deposits / deposits | 41.31% (p77 of band) | 30.76% |
| Brokered deposits | 1.92% | |
| Wholesale funding | 10.20% (p65 of band) | |
| FHLB advances / assets | 6.22% | |
| Tier 1 leverage | 9.11% (p15 of band) | 10.50% |
| Unrealized securities loss / equity | -7.19% (p53 of band) | -7.75% |
| AOCI / equity | -1.60% (p7 of band) | |
| ROA (annualized) | 1.38% (p62 of band) | 1.26% |
| Net interest margin | 3.53% (p39 of band) | 3.70% |
| Efficiency ratio | 53.13% (p33 of band) | |
| Noncurrent loans | 0.80% (p65 of band) | 0.51% |
| Net charge-offs (annualized) | 0.05% (p64 of band) | |
| Reserve coverage of noncurrent | 111.29% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 60.03% (p63 of band) | |
| Auto loans | $2.3M (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 829 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | capital falling | wholesale funding >15% |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | wholesale funding >15%, capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | wholesale funding >15% |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 1 | capital falling | charge-offs p90 |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | uninsured deposits >50% |  |
| 2021-06 | 0 |  | uninsured deposits >50% |
| 2021-09 | 2 | uninsured deposits >50%, capital falling |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 0 |  | uninsured deposits >50% |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 1 |  | deposits shrinking |
| 2023-09 | 3 | capital falling, losing money |  |
| 2023-12 | 1 | reserve under noncurrent | securities losses >30% of equity, capital falling, losing money |
| 2024-03 | 2 | securities losses >30% of equity |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 0 |  | reserve under noncurrent |
| 2025-03 | 1 | reserve under noncurrent |  |
| 2025-06 | 0 |  | reserve under noncurrent |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-10 [Tompkins Community Bank Announces Planned Name Change to Tompkins Bank & Trust - Berks Community Television](https://news.google.com/rss/articles/CBMirgFBVV95cUxOaGZJV05wdkkyMDhHNXdGeTVfdF9lUmNYYnEwSWp1UUl4MTVXM3haU3Fka3FzbTFzdUtSR3N2V19XZThYOUVMMW1CVi0xS2xwQTdkV3g1MFNVeTc1Q0pQZEhpVDNLR0NhSG9UX2xncWo0X2NtUVNoYkZBLTR1TGc3MWJGTUYwVV9mSmZtNDBWZi0xV2Z6NW03VHNuVFg3c19PME5McmdOVUpJbU1NeVE?oc=5) · Berks Community Television
- 2026-03-16 [Tompkins Community Bank Names Phil Quintana President-Elect; Quintana succeeds John McKenna, who will retire in July 2026 - Greater Rochester Chamber of Commerce](https://news.google.com/rss/articles/CBMigAJBVV95cUxQYTdJVWpsZ0FPeU0xWXpOZ0hJMlA1MzdDbEItWms2SEFubDBSUFBmQ2swS2w4ank0Y0hsMjJhMURUd0Y2QnVYZmlPVDNnWGlqVmNMWEFobi1EdEJ0bWx4Rm5SNkNVckFIN1JtZ2Nyc0thOUtUZ1JmY3loOUxBZWhHREw3STVEcGlpdUlUejJqb0x2Ql90VGgzWjBoUVVlaVNMVGhnOGF4SEVVOTNOakliUlpNVmI5ak9YWGpsT05RVlladnRjdUFlanFsOHlyUjlhUUtiT1VaYUx2MWVjemE0aXhMMDlfc0JTdDJCZzZuTlFDblpxOHB3ZnJuRlhVb2hU?oc=5) · Greater Rochester Chamber of Commerce
- 2026-06-15 [Company news: John Huhtala named Tompkins Bank Central NY president - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2026-06-07 [Tompkins Community Bank changing its name - Westfair Communications](https://news.google.com/rss/articles/CBMijgFBVV95cUxQaFhxZEI1Z3lNdHAycGJYT0pON1VVTzBWSEEwZGVyZjBUelFVVGs5MTdXYkhsQnJiSGdndTRVOV8wZ3k3bjBRMnEtT2gxR25BbklpbjdrQmhBOV9fbmNzdTk2eFhQN28wTFcxeWlwMTk5b05KaC1zSTBhc0NkSjlTd3BjVDE3Qy0yTXotNVRR?oc=5) · Westfair Communications
- 2026-05-29 [Tompkins Community Bank Names John Huhtala to Lead Central New York Market - citybiz.co](https://news.google.com/rss/articles/CBMiswFBVV95cUxNcXVFV1FYdjZaRDlNSTNLbU5fMUZFbjJzeFpHS2pKbVVna016c3VRT0NTM0NlMGwySm5YNGhJQlFnalgwVnc0d3lLS3JBLV94SGg0dUszX0YzYWxLRFZPYzB6VExIdFpJckJaNU11cExpWVFfR2FDMzh3QzVTalUwa2F4ZWU0TzAxQUFmanZPRWVOdExwOVRTX2k4Q2FRZjVZeGcxeGc3a3hMdFpvdHo1d1ZIVQ?oc=5) · citybiz.co
- 2025-11-03 [Bank Sells Tompkins Agencies to A.J. Gallagher for $223 Million - Insurance Journal](https://news.google.com/rss/articles/CBMickFVX3lxTFBZUWlBeGlpS1Y3Z0YtdE51LVFzYlR0ODQ2MFpodlVkNVE5cnp6RG9WRmdYQ1p1elViTWtud1cybmNKV1BIclZyWEhpck8wM3RIZ0lzR1hHT0twbFNxNThsV1RQQ0J2d1hrdFBhZ1BMZUlKdw?oc=5) · Insurance Journal
- 2025-02-25 [Tompkins Community Bank & Ithaca College Athletics Renew Partnership Agreement - Ithaca College Athletics](https://news.google.com/rss/articles/CBMizgFBVV95cUxQbUZtQXR0bzF0Vkx0cTNiMVQwUXlFT2c5Ql9na0RzMXI4T1d1MTdZYmkycWw2emI3Mm9mYldJeW5JS2Nnd0pQMVprTmItMDU2eDEwc0wtbEZjQlhleU51b1hiMk1oaXZVSDNGaXYxTUF3UTZWUGg5WHVVY2FKV2xVeGRCamRSekdrUWs2U2FBQTEzdFhDSm9OX24tb0V4MDBDWUx6OTFvMW5KTS13bFkwVVRWZ3VoTEVQU01iNWU0Q2VZZlNBXzZwM3Y5bDFVQQ?oc=5) · Ithaca College Athletics
- 2026-01-20 [Tompkins Community Bank Welcomes Migdalia Concepcion to Mortgage Lending Team - citybiz.co](https://news.google.com/rss/articles/CBMitwFBVV95cUxPNXM4R1JudG5VNDNwRDVsTVdIMXh3ZnBmSEJlaWpPdEY3aEFQaUpJdjdYWENZV2NabXhCWHR3eEF1QzJzV04za2RsRUlPVFM4SVNkVHJDalhKRE5hY1JkRWg5ekxjLW1jZ2NLR0p4MEpaUlRITm91MTZnaWxCWHkwSUF2SU9DY0J3dGlPaWJYX1RRYXk0SnVIcDZlYU1tQmtqd3NVdDAtWk5YRTFRbGhuT0dBV0I2Mmc?oc=5) · citybiz.co

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=609 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/33.json (key "609", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide