Tompkins Financial (TMP) investor relations material

Executive summary

• Q3 2026 net income was $28.7M, up 21.0% YoY and down 2.2% QoQ; diluted EPS was $2.00, up 21.2% YoY and down 2.0% QoQ.

• 9M net income was $84.0M, up 29.6% YoY; total assets were $9.0B at September 30, up 3.6% from year-end 2025.

Financial highlights

• Q3 net interest income was $77.3M, up 21.0% YoY and 4.5% QoQ; 9M was $223.1M, up 23.5%.

• Q3 noninterest income fell 46.7% to $12.6M and noninterest expense fell 8.8% to $49.1M; 9M figures fell 47.2% to $37.5M and 7.8% to $143.9M, chiefly reflecting the insurance sale.

• Q3 provision for credit losses was $3.0M, versus $1.5M QoQ and $2.5M YoY; income tax expense was $9.1M at a 24.1% effective rate.

Outlook and guidance

• Management cited continued loan and deposit growth and further net interest margin expansion as momentum going forward.

• Base-case simulation indicated net interest margin increasing over the next 12 months; a 200-bp rate increase modeled a 1.3% NII decline, while a 200-bp decline modeled a 0.6% increase.

• Rate simulations assume no balance-sheet growth, mix changes or management actions; actual results may differ with repricing, prepayments, deposit withdrawals and other changes.