Tompkins Financial Corp (NYSE: TMP) is a financial holding company that operates community banking and related financial services businesses. It makes money primarily through net interest income on loans and deposits, supplemented by fee-based revenue from insurance and wealth management services. The 10-K filed 2026-02-26 covers the fiscal year ended December 31, 2025. Based on the filing excerpts provided, specific segment revenue breakdowns, total revenue figures, branch counts, asset totals, and geographic footprint details are not extractable from the available text. The filing references regulators including the Federal Reserve Board, FDIC, NYSДFS, and FHLBNY, indicating operations subject to New York State and federal banking oversight. The company operates under the Bank Holding Company Act of 1956 and related federal statutes. Tompkins Financial is a dividend-paying community bank holding company structured around traditional deposit-funded lending, with insurance and wealth management as disclosed ancillary lines.

Revenue model

Net interest income from deposit-funded lending, supplemented by fee income from insurance and wealth management services, per the FY2025 10-K filed 2026-02-26.

Products and services

Community banking (loans, deposits), insurance services, wealth management services, as indicated by the FY2025 10-K filed 2026-02-26.

Customers and end markets

Consumer and commercial banking customers; end markets include commercial real estate (CRE), small business, and retail banking, per terminology referenced in the FY2025 10-K filed 2026-02-26.

Value-chain role

Deposit-taking and lending intermediary; financial holding company with banking, insurance, and wealth management subsidiaries.

Geographic exposure

Operations subject to New York State Department of Financial Services oversight and Federal Home Loan Bank of New York membership, indicating primary presence in New York State, per the FY2025 10-K filed 2026-02-26.

Source: SEC 10-K, filed 2026-02-26

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