Every material Form 8-K Tompkins Financial has filed with the SEC since January 26, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Tompkins Financial reported third-quarter 2026 diluted earnings per share of $2.00 and net income of $28.7 million, up 21.2% and 21.0% from a year earlier but down 2.0% and 2.2% from the second quarter of 2026. The board also declared a $0.74 per share dividend, payable November 13, 2026, to shareholders of record on November 6, 2026.
Q3 2026 diluted EPS of $2.00, up from $1.65 in Q3 2025 and down from $2.04 in Q2 2026
Nine-month 2026 diluted EPS of $5.86, up 29.6% from $4.52 a year earlier
Net interest margin of 3.65% in Q3 2026, up 45 basis points from 3.20% in Q3 2025
Noninterest income fell 46.7% year over year, mainly due to the sale of insurance subsidiary TIA in Q4 2025
Tompkins Financial reported second-quarter 2026 diluted earnings per share of $2.04 and net income of $29.3 million, up 36.0% and 36.5% from the second quarter of 2025, which the company called a record. The board also declared a $0.70 per share dividend payable August 14, 2026, to shareholders of record on August 7, 2026, which affects shareholders' cash distributions.
Q2 2026 diluted EPS was $2.04, versus $1.50 in Q2 2025; six-month diluted EPS was $3.86, up 34.5%.
Net interest margin was 3.58%, up from 3.08% a year earlier; noninterest income fell 41.7% to $13.1 million after the sale of Tompkins Insurance Agencies in Q4 2025.
Board declared a $0.70 per share dividend on July 23, 2026, payable August 14, 2026, to holders of record on August 7, 2026.
Tompkins Financial Corporation appointed Phillip M. Quintana as President of Tompkins Community Bank and Executive Vice President of the parent company, effective April 27, 2026. He succeeds John M. McKenna, who after 17 years of service is stepping away from the bank presidency due to personal health considerations. The change is a leadership transition at the bank subsidiary level.
Phillip M. Quintana appointed President of Tompkins Community Bank and Executive Vice President of Tompkins Financial Corporation
Quintana was named President-Elect of the bank on March 16, 2026
John M. McKenna, with 17 years of service, steps away as bank President effective April 27, 2026, citing personal health considerations
The 8-K was signed April 27, 2026 by Stephen S. Romaine, President and CEO
Tompkins Financial reported first quarter 2026 diluted earnings per share of $1.82 and net income of $26.1 million, both up about a third from a year earlier, which the company called a record first quarter. Results were far below the fourth quarter of 2025, which included income from the sale of Tompkins Insurance Agencies. The board also declared a $0.67 per share dividend payable May 15, 2026.
Diluted EPS of $1.82 for Q1 2026, up 32.8% from $1.37 in Q1 2025 and down from $6.70 in Q4 2025
Net income of $26.1 million, up 32.5% year over year; Q4 2025 included the sale of Tompkins Insurance Agencies
Net interest margin of 3.57%, up from 2.98% in Q1 2025; net interest income of $71.9 million, up 26.8%
Dividend of $0.67 per share declared April 23, 2026, payable May 15, 2026, to holders of record May 8, 2026
Tompkins Financial reported fourth-quarter 2025 GAAP diluted earnings per share of $6.70, up from $1.37 a year earlier, with net income of $96.2 million. The increase was driven mainly by a $188.2 million pre-tax gain on the sale of Tompkins Insurance Agencies to Arthur J. Gallagher & Co., partly offset by a $78.7 million pre-tax loss on securities sales. The company also declared a $0.67 per-share dividend, and its non-GAAP operating diluted EPS was $1.78.
GAAP diluted EPS of $6.70 for Q4 2025 vs. $1.37 for Q4 2024; net income of $96.2 million vs. $19.7 million
Sale of Tompkins Insurance Agencies to Arthur J. Gallagher & Co. for about $223.0 million in cash produced a $188.2 million pre-tax gain
Sale of $564.2 million of available-for-sale securities produced a $78.7 million pre-tax loss; non-GAAP operating diluted EPS was $1.78
Board declared $0.67 per share dividend on January 29, 2026, payable February 22, 2026, to holders of record February 13, 2026
Tompkins Financial entered into a new defined contribution supplemental executive retirement plan for CFO Matthew Tomazin and a similar plan for CEO Stephen Romaine, both effective December 16, 2025. It also amended Romaine's existing defined benefit SERP so that a minimum senior incentive payment is used to calculate benefits. These are executive compensation changes, with no effect on reported results disclosed in the filing.
Company will contribute 20% of CFO Matthew Tomazin's base pay annually to his DC SERP, credited at Prime plus 1%
Company will contribute 15% of CEO Stephen Romaine's base pay annually to his DC SERP, credited at Prime plus 1%
Romaine's DB SERP earnings now use 50% of the greater of actual senior incentive paid or 70% of target senior incentive
Tomazin becomes fully vested in his DC SERP balance at the sixth anniversary of the effective date
Tompkins Financial sold its subsidiary Tompkins Insurance Agencies to Arthur J. Gallagher & Co. for about $223 million in cash, subject to customary adjustments, and its press release says the sale closed with a pre-tax gain of $183 million. The same day, the company sold $565.0 million of debt securities at a pre-tax loss of about $79.5 million and reinvested the proceeds at an estimated higher yield, so the net effect on results depends on both moves.
Sale price of about $223 million in cash to Gallagher, announced in an agreement dated October 31, 2025 and closed by November 3, 2025 per the press release.
Press release states a pre-tax gain of $183 million on the sale.
On November 3, 2025, the company sold $565.0 million of debt securities with a 1.56% average book yield, a pre-tax loss of about $79.5 million, and reinvested at an estimated 4.52% average book yield.
Gallagher's post-closing indemnification recourse is capped at $557,500, and the company and its affiliates agreed to a five-year non-compete with limited exceptions.
Tompkins Financial reported third-quarter 2025 diluted earnings per share of $1.65, up from $1.30 a year earlier, and net income of $23.7 million, up 27.0% year over year. The company also declared a quarterly dividend of $0.65 per share, payable November 14, 2025 to shareholders of record on November 7, 2025. The filing reports higher earnings and net interest margin, while special mention and substandard loans rose sharply from the prior quarter.
Diluted EPS of $1.65 for Q3 2025, up 10.0% from Q2 2025 and up 26.9% from $1.30 in Q3 2024
Net interest margin of 3.20%, up 12 basis points from Q2 2025 and up 41 basis points from Q3 2024
Special mention and substandard loans totaled $144.2 million at September 30, 2025, up from $96.8 million at June 30, 2025, mainly due to two loans totaling $41.2 million downgraded to special mention
Dividend of $0.65 per share, payable November 14, 2025, to shareholders of record on November 7, 2025
Tompkins Financial reported second-quarter 2025 diluted earnings per share of $1.50, up from $1.10 a year earlier, with net income of $21.5 million, up 36.9%. The company also declared a $0.62 per share dividend and approved a new repurchase program of up to 400,000 shares over 24 months, replacing a prior program, which may affect the share count held by shareholders.
Q2 2025 diluted EPS was $1.50 versus $1.10 in Q2 2024; net income was $21.5 million, up 36.9% year over year.
Net interest margin was 3.08% in Q2 2025, up 35 basis points from 2.73% a year earlier.
A $4.7 million partial charge-off on one commercial real estate relationship raised Q2 net charge-offs to $5.3 million.
Board declared a $0.62 per share dividend payable August 15, 2025, to holders of record on August 8, 2025.
Tompkins Financial said Executive Vice President John McKenna, who is also President of Tompkins Community Bank, will retire as an officer of the company and the bank in summer 2026. He announced the decision on April 24, 2025, after more than 17 years of service. The filing does not name a successor or describe any change to the company's financial outlook.
Executive Vice President John McKenna announced his retirement decision on April 24, 2025.
He will retire as an officer of Tompkins Financial and Tompkins Community Bank in summer 2026.
He has more than 17 years of service with the company.
Tompkins Financial reported first-quarter 2025 diluted earnings per share of $1.37, up 16.1% from $1.18 a year earlier, and net income of $19.7 million, up 16.6% from $16.9 million. The increase was mainly driven by higher net interest income, partly offset by a higher provision for credit losses. The board also declared a $0.62 per share dividend, payable May 16, 2025.
Diluted EPS of $1.37 for Q1 2025, versus $1.18 in Q1 2024 and unchanged from Q4 2024
Net income of $19.7 million, up 16.6% from $16.9 million a year earlier
Net interest margin of 2.98%, up from 2.73% in Q1 2024; provision for credit losses was $5.3 million versus $854,000
Dividend of $0.62 per share declared April 24, 2025, payable May 16, 2025, to holders of record on May 9, 2025
Tompkins Financial reported fourth-quarter 2024 diluted earnings per share of $1.37 and net income of $19.7 million, up 31.0% from the fourth quarter of 2023. Full-year 2024 diluted EPS was $4.97, compared with $0.66 in 2023, a year that included a $70.0 million pre-tax loss on securities sales. The company also declared a quarterly dividend of $0.62 per share, payable February 21, 2025, which matters to shareholders as a cash return.
Q4 2024 net income $19.7 million, up 31.0% from Q4 2023; diluted EPS $1.37 versus $1.05
Full-year 2024 diluted EPS $4.97 versus $0.66 in 2023; net income $70.9 million
Q4 2024 net interest margin 2.93%, up from 2.79% in Q3 2024; total deposits $6.5 billion, down 1.6% from September 30, 2024
Quarterly dividend $0.62 per share, payable February 21, 2025, to holders of record February 14, 2025
Tompkins Financial reported third-quarter 2024 diluted earnings per share of $1.30 and net income of $18.6 million, up from $1.10 per share and $15.7 million in the second quarter, and up from a loss in the third quarter of 2023. The company also said its Board named Daniel J. Fessenden to succeed Thomas R. Rochon as Chair when Rochon retires at the 2025 Annual Meeting, and declared a $0.62 per share dividend.
Q3 2024 diluted EPS $1.30 vs. $1.10 in Q2 2024 and $(2.35) in Q3 2023, which included a $62.9 million pre-tax loss on securities sales
Net interest margin 2.79% in Q3 2024, up from 2.73% in Q2 2024
Thomas R. Rochon to retire as Chair at the 2025 Annual Meeting; Daniel J. Fessenden named successor, effective at that meeting
Quarterly dividend of $0.62 per share, payable November 15, 2024, to holders of record on November 8, 2024
Tompkins Financial reported second-quarter 2024 diluted earnings per share of $1.10 and net income of $15.7 million, both down from the prior quarter but up sharply from the second quarter of 2023, which included a $7.1 million loss on securities sales. The company also declared a $0.61 per share dividend payable August 16, 2024.
Diluted EPS was $1.10, down 6.8% from the first quarter of 2024 and up 86.4% from $0.59 a year earlier.
Net income was $15.7 million, down 7.1% from the prior quarter and up 85.0% from $8.5 million in the second quarter of 2023.
Net interest margin was 2.73%, unchanged from the first quarter and down from 2.83% a year earlier.
Dividend of $0.61 per share is payable August 16, 2024 to shareholders of record on August 9, 2024.
Tompkins Financial reported first-quarter 2024 diluted earnings per share of $1.18 and net income of $16.9 million, down 12.6% and 13.0% from the first quarter of 2023, though up from the prior quarter. The decline was mainly due to lower net interest income from higher funding costs and a higher provision for credit losses, partly offset by fee growth and lower operating expenses. The Board also declared a $0.61 per share dividend payable May 17, 2024.
Diluted EPS was $1.18 versus $1.35 a year earlier and $1.05 in the fourth quarter of 2023.
Net interest income fell to $50.7 million from $54.2 million a year earlier; net interest margin was 2.73% versus 2.99%.
Noninterest income rose 8.5% year over year to $22.1 million, led by insurance commissions and fees.
Dividend of $0.61 per share: record date May 10, 2024; payable May 17, 2024.
Tompkins Financial reported fourth-quarter 2023 diluted earnings per share of $1.05, down 22.8% from the same quarter of 2022, with net income of $15.0 million, down 23.3%. Full-year 2023 diluted EPS was $0.66, down 88.8%, reflecting an after-tax loss of $52.9 million on the sale of securities and higher funding costs. The company also declared a $0.60 per share dividend, payable February 16, 2024, to shareholders of record on February 9, 2024.
Q4 2023 diluted EPS was $1.05 versus $1.36 in Q4 2022; net income was $15.0 million versus $19.5 million.
Q4 2023 net interest margin expanded to 2.82% from 2.75% in Q3 2023, but was down from 3.02% in Q4 2022.
Full-year 2023 diluted EPS was $0.66, with net income of $9.5 million, including an after-tax securities sale loss of $52.9 million.
Board declared a $0.60 per share dividend on January 25, 2024, payable February 16, 2024, to holders of record on February 9, 2024.
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