Tompkins Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	334.6	301.97	260.43	217.61	214.68
Interest Income on Investments	47.47	45.6	36.92	33.72	26.63
Total Interest Income	382.07	347.57	297.36	251.32	241.32
Interest Paid on Deposits	110.25	103.98	70.81	16.17	10.85
Interest Paid on Borrowings	22.1	32.49	17.04	4.88	6.68
Total Interest Expense	132.34	136.47	87.84	21.04	17.53
Net Interest Income	249.73	211.1	209.51	230.28	223.79
Net Interest Income Growth (YoY)	18.30%	0.76%	-9.02%	2.90%	-0.69%
Trust Income	20.12	19.59	17.95	18.09	19.39
Gain (Loss) on Sale of Assets	188.24	-	-	-	-
Gain (Loss) on Sale of Investments	-78.69	0.03	-69.97	-0.63	0.25
Other Non-Interest Income	59.95	61.22	55.35	53.15	52.87
Total Non-Interest Income	196.87	88.13	10.24	77.97	78.85
Non-Interest Income Growth (YoY)	123.40%	760.53%	-86.87%	-1.11%	6.75%
Revenues Before Loan Losses	446.6	299.23	219.76	308.25	302.64
Provision for Loan Losses	11.53	6.61	4.34	2.79	-2.22
Revenue	435.07	292.62	215.42	305.46	304.86
Revenue Growth (YoY)	48.68%	35.84%	-29.48%	0.20%	8.11%
Salaries and Employee Benefits	135.53	122.81	122.1	116.2	112.26
Occupancy Expenses	12.95	12.63	13.28	13.09	13.18
Amortization of Goodwill & Intangibles	0.29	0.33	0.33	0.87	1.32
Selling, General & Administrative	7.48	16.74	16.53	20.8	20.6
Other Non-Interest Expense	53.96	47.12	51.05	44.79	40.01
Total Non-Interest Expense	210.21	199.64	203.29	195.75	187.36
EBT Excluding Unusual Items	224.86	92.98	12.12	109.71	117.5
Other Unusual Items	-	-	-	-	-2.93
Pretax Income	224.86	92.98	12.12	109.71	114.57
Income Tax Expense	63.79	22	2.5	24.56	25.18
Earnings From Continuing Operations	161.07	70.97	9.63	85.16	89.39
Minority Interest in Earnings	-	-0.12	-0.12	-0.13	-0.13
Net Income	161.07	70.85	9.51	85.03	89.26
Preferred Dividends & Other Adjustments	-	-	0.04	0.25	0.62
Net Income to Common	161.07	70.85	9.46	84.78	88.65
Net Income Growth	127.34%	645.40%	-88.82%	-4.74%	15.05%
Basic Shares Outstanding	14	14	14	14	15
Diluted Shares Outstanding	14	14	14	14	15
Shares Change (YoY)	0.47%	-0.23%	-0.72%	-1.67%	-0.64%
EPS (Basic)	11.30	4.98	0.66	5.92	6.08
EPS (Diluted)	11.24	4.97	0.66	5.89	6.05
EPS Growth	126.16%	653.03%	-88.80%	-2.65%	16.35%
Dividend Per Share	2.510	2.440	2.400	2.310	2.190
Dividend Growth	2.87%	1.67%	3.90%	5.48%	4.29%
Effective Tax Rate	28.37%	23.66%	20.58%	22.38%	21.98%

Updated Jan 30, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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