Tompkins Financial (TMP) Conference presentation summary

Company overview and history

• Operates in New York, Pennsylvania, and Florida with $8.8 billion in assets and 838 employees.

• Profitable for at least 82 consecutive years and paid cash dividends for 144 years.

• Increased cash dividends for 36 consecutive years and maintains diversified revenue streams.

• History of strategic acquisitions and recent sale of insurance agency in 2025.

• Mission centers on long-term value, client-centricity, and sustainable excellence.

Leadership, structure, and services

• Full-service banking and wealth management with empowered local decision-making.

• 54 banking offices serve clients of all sizes, including those with over $1 billion in revenue.

• Wealth management division manages $3.0 billion in assets with a stable, experienced team.

• Focus on personalized, local support and strategic market reviews for competitive solutions.

Financial performance and profitability

• Return on average equity (ROAE) consistently outperforms peers, with 12.32% in Q2 2026.

• Q2 2026 net income of $29.3 million, up from $26.1 million in the prior quarter.

• YTD 2026 net income of $55.4 million, up $14.2 million from YTD 2025.

• Net interest margin increased by 50 bps year-over-year in Q2 2026.