Quarterly profit at Tompkins was $28.7 million; deposits totaled $7.4 billion.
Tompkins Financial reported Q3 2026 earnings of $28.7M, with deposits totaling $7.4B. Net interest margin rose to 3.65%, loans increased by 1.9%, and deposits grew by 5.4%. The company approved a dividend increase, citing strong earnings and capital position. CEO Stephen Romaine highlighted consistent loan and deposit growth.
How this was made
The 30-second read
Why it matters
The earnings release provides fresh data on loan and deposit growth, net interest margin expansion, and a dividend increase.
Market read
First‑report earnings with material deposit growth and dividend hike, likely to move the stock in pre‑market trading.
What to watch
Potential headwinds from rising funding costs and regulatory capital requirements.
Background
Tompkins Financial Corp is a regional bank serving the Central, Western, and Hudson Valley regions.
Market effects
Strong deposit growth may signal health in regional banking sector.
Positive for Northeast US banking stocks.
Limited to US regional banks.
Counterpoint
If earnings were already priced in, the stock could face a pullback on profit‑taking.
Key entities
- companyTompkins Financial Corporation
Regional bank reporting Q3 results.
- executiveStephen Romaine
President and CEO of Tompkins Financial.

