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Sep 30, 2025
Tompkins Q3 2025 Earnings Report
Tompkins reported improved results in Q3 2025 with higher earnings driven by net interest margin expansion and loan growth.
Key Takeaways
Tompkins Financial posted a strong Q3 2025 with notable increases in EPS and net income, supported by higher net interest income and asset growth. Expenses rose due to investment in future growth.
Diluted EPS rose to $1.65, up from $1.30 a year ago
Net income increased to $23.7 million, up 27% YoY
Net interest income rose to $63.9 million, supported by 3.20% NIM
Cash and cash equivalents reached $193.5 million
Revenue by Segment
Forward Guidance
Tompkins expects to remain well-positioned for continued growth through loan expansion and margin management, despite rising expenses and asset quality challenges.
Positive Outlook
- Strong net interest margin at 3.20%
- Continued loan and deposit growth
- Stable liquidity position with $1.5B available
- Improved Tier 1 capital to 9.41%
- Year-to-date earnings up 26.6%
Challenges Ahead
- Noninterest expense rose 8% YoY
- Special Mention loans rose significantly
- Provision for credit losses increased to $2.5M
- Charge-offs still present in commercial real estate
- Nonperforming assets at $53M remain elevated
Historical Earnings Impact
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Avg. Return Before/After Earnings
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