Tompkins Community Bank

What Tompkins Community Bank does

Tompkins Community Bank is a regional community bank, founded in 1836 and headquartered in Ithaca, New York, operating more than 50 banking offices across Western, Central, and Hudson Valley New York and Southeastern Pennsylvania. It is a wholly-owned subsidiary of publicly traded Tompkins Financial Corporation (NASDAQ: TMPK, ~$1.26B market capitalization as of June 2026). The bank serves individual consumers, small-to-mid-size businesses, and commercial banking clients with a full suite of deposit products (checking, savings, CDs/IRAs, HSAs), lending products (mortgages, home equity, personal loans, credit cards, business loans, SBA loans, Lightning Loans for quick online business financing), and Treasury Management services. The technology backbone combines third-party providers — Jack Henry for Treasury Management, Banno for digital and mobile banking, MeridianLink for loan applications, SWIFT for international wires, and Deluxe for check ordering — with digital wallet integrations (Apple Pay, Google Pay, Samsung Pay) and Zelle for person-to-person payments.

The business model is classic community banking: primary revenue from net interest income on loans (mortgages, commercial, personal, credit cards, home equity) and investments net of deposit interest, supplemented by non-interest income from digital banking fees, overdraft fees, wire transfer fees, and merchant services. Two affiliated sub-brands extend the franchise: Tompkins Financial Advisors (wealth management and investment advisory) and Tompkins Insurance (personal and business coverage). Pricing is largely undifferentiated retail banking (e.g., $38 per overdraft item, $10 per overdraft protection transfer, freemium eStatements), with relationship-based local decision-making and a 190-year brand legacy as the principal differentiators versus national competitors. The bank is currently rebranding to Tompkins Bank & Trust pending regulatory approval (announced June 2026), and is undergoing executive succession with Phillip M. Quintana appointed president-elect in March 2026 to succeed the retiring 17-year president John McKenna.

Name

Tompkins Community Bank

Legal name

Tompkins Community Bank

Website

https://tompkinsbank.com

Company type

Private

Founded year

1836

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Tompkins Community Bank is a 190-year-old regional community bank in upstate New York and Pennsylvania, offering deposits, mortgages, business lending, treasury management, wealth advisory, and insurance to consumers, small businesses, and commercial clients through 50+ branches and a Banno-powered digital platform.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

Keywords

• Community banking services
• Commercial lending
• Treasury management
• Mortgage and home equity
• Wealth management

Headquarters

HQ city

Ithaca

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Supply Chain

Revenue model

1. Net Interest Income: Interest earned on loans (mortgages, commercial loans, personal loans, credit cards, home equity) and investments minus interest paid on deposits. Primary revenue driver for community banking.
2. Non-Interest Income: Fees from digital banking services, overdraft fees, wire transfer fees, merchant services, and other banking service charges
3. Wealth Management: Investment management and financial advisory services through Tompkins Financial Advisors brand
4. Insurance Products: Insurance products and services offered through Tompkins Insurance

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Tompkins Community Bank is a regional community bank offering a full suite of personal and business banking products including checking, savings, mortgages, home equity, personal and business loans, credit cards, SBA loans, treasury management, and merchant services. The bank extends its offering through two affiliated brands: Tompkins Insurance (personal and business coverage) and Tompkins Financial Advisors (investment advisory and wealth management). Distribution combines 50+ physical branches across Western, Central, and Hudson Valley New York and Southeastern Pennsylvania with the Banno-powered digital banking platform for online and mobile banking.

Product overview

Tompkins Community Bank is a regional community bank offering a comprehensive suite of personal and business banking products across Western, Central, and Hudson Valley New York, and Southeastern Pennsylvania. The bank operates a platform-plus-modules architecture centered on core deposit (checking and savings), lending (mortgages, personal loans, business loans, credit cards), and digital banking services. Key modules include Treasury Management with cash management and Remote Deposit capabilities, Escrow Manager for business escrow administration, Lightning Loans for quick business financing, and specialized healthcare banking services. The bank extends its reach through sub-brands Tompkins Insurance (insurance products) and Tompkins Financial Advisors (wealth management). Digital banking capabilities encompass online/mobile banking with mobile check deposit, digital wallet integration (Apple Pay, Google Pay, Samsung Pay), Zelle person-to-person payments, and comprehensive financial calculators. The bank is rebranding to Tompkins Bank & Trust pending regulatory approval.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Checking accounts for personal banking customers with options tailored to different financial needs and lifestyles.
• Personal Savings Savings accounts for personal banking customers, including Health Savings Accounts (HSA), Certificates of Deposit (CDs), and IRAs.
• Mortgages Home purchase and refinancing mortgage products with fixed and adjustable rate options, free pre-qualifications, and quick local decisions for residential borrowers.
• Home Equity & Equilock Home equity loans and the Equilock Home Equity Line of Credit allowing homeowners to access the equity in their property.
• Personal Loans Unsecured personal loans for debt consolidation, major purchases, unexpected expenses, and vehicle financing.
• Credit Cards Consumer and business credit cards offering rewards, cash back, balance transfers, and credit-building options.
• Digital Banking Online and mobile banking platform with account access, bill pay, eStatements, mobile check deposit, two-factor authentication, and digital wallet support.
• Lightning Loans Quick online business loan application process taking approximately 15 minutes for small business financing needs.
• Business Checking Business checking accounts designed for commercial customers with various features and fee structures.
• Business Savings Business savings accounts for commercial deposits and emergency funds.
• Business Loans Commercial lending products including term loans, lines of credit, and SBA loans for business growth and operations.
• Small Business Administration Loans SBA-backed commercial loans including 7(a) and 504 programs for qualified small businesses.
• Treasury Management Comprehensive cash management services for businesses including ACH origination, wire transfers, positive pay, escrow manager, remote deposit, and account reporting powered by Jack Henry.
• Merchant Services Payment processing services for business merchants to accept card payments via POS terminals and integrated payment acceptance solutions.
• Healthcare Banking Services Specialized banking services for healthcare providers and practices including an HSA employer portal.
• Tompkins Insurance Insurance products and services offered through the Tompkins Insurance brand for personal and business coverage.
• Tompkins Financial Advisors

Quantifiable outcome

• Local decision-making enables faster loan approvals and personalized service
• +1 more outcomes

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature5 records

Partnerships

Ten partnerships are on record, tiered minor and core.

• Challenge Workforce SolutionsminorStrategic or Co-development Partner · 26 March 2019Community partnership supporting workforce development initiatives and collaborative community events
• Legacy Foundation of Tompkins CountyminorStrategic or Co-development Partner · 1 January 1986Administers the James J. Byrnes Awards for Excellence endowment. Foundation vision is improving quality of life in Tompkins County. Established in 1945.
• Stickley on SecurityminorStrategic or Co-development PartnerCybersecurity education partnership providing customers with articles, videos, and weekly newsletters about current security threats and fraud prevention
• BannocoreTechnology or IntegrationDigital banking platform provider powering the bank's online and mobile banking experience, including account opening and management
• Jack HenrycoreTechnology or IntegrationCore service provider for Treasury Management platform, providing ACH processing, wire transfers, and cash management capabilities
• SWIFTcoreTechnology or IntegrationInternational wire transfer network enabling safe and efficient cross-border financial transactions
• United Way of Tompkins CountyminorStrategic or Co-development PartnerAnnual United Way Campaign raising funds for local community services. Campaign raised $62,295
• Food Bank of the Southern TierminorStrategic or Co-development PartnerCommunity partnership through Hunger Heroes program supporting food security initiatives
• Boys & Girls Club of SyracuseminorStrategic or Co-development PartnerSponsorship of youth development programs and services
• Home HeadquartersminorStrategic or Co-development PartnerBlock Blitz community improvement initiative partnership

Scale indicators6 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• NBT Bancorp Inc. Upstate New York-based community bank holding company offering commercial banking, retail banking, and wealth management across NY, PA, VT, MA, and NH. Direct peer given overlapping upstate NY footprint (Huhtala, Tompkins' Central NY president, came from NBT) and similar community-bank product set.
• S&T Bancorp, Inc. Pennsylvania-based community bank holding company serving Western and Central PA through commercial banking, retail banking, and wealth management. Directly comparable to Tompkins in PA footprint overlap, product mix, and middle-market commercial banking focus.
• Trustco Bank Corp NY: New York-based community bank with branches concentrated in upstate NY, the Capital Region, and downstate. Closely comparable in geographic focus, deposit-led funding model, and emphasis on residential mortgage lending alongside traditional community banking.
• Community Bank System, Inc. NY-headquartered community bank with multi-billion dollar asset base serving consumers and businesses across Upstate New York, Pennsylvania, Vermont, and Massachusetts through a similar branch-led, relationship-based model. Closest comparable in scale, footprint strategy, and product mix to Tompkins Community Bank.
• Chemung Financial Corporation: Southern Tier NY community bank holding company operating Chemung Canal Trust Company, with branches across NY and Northern PA. Highly comparable to Tompkins in regional footprint, customer segments, and community-bank operating model.
• F.N.B. Corporation: Mid-Atlantic regional bank headquartered in Pittsburgh, PA, with branches across PA, OH, NY, WV, MD, NC, and SC. Comparable to Tompkins in PA market presence and commercial banking model, though meaningfully larger in scale and geographic reach.
• Univest Financial Corporation: PA-based community bank holding company operating Univest Bank and Trust Co. across Eastern and Central Pennsylvania and New Jersey. Comparable in PA footprint overlap, business banking emphasis, and community-bank structure with wealth management.
• Northwest Bancshares, Inc. PA-headquartered community bank operating primarily in Pennsylvania, New York, Ohio, and Indiana. Comparable in regional community-bank model with strong deposit franchise and residential mortgage origination focus overlapping with Tompkins' PA/NY footprint.

Regional players

• Burke & Herbert Bank: Virginia-based community bank where incoming Tompkins president Phillip Quintana most recently served as Regional President. Operates similar full-service community banking model in a different geography (VA, DC, MD), making it a relevant operating peer but not a direct geographic competitor.

Broad incumbents

• Berkshire Hills Bancorp: Northeast-focused regional bank holding company with operations across NY, MA, CT, VT, NJ, and PA. Comparable community/commercial banking model with adjacent footprint; broader geographic reach makes it a scaled incumbent relative to Tompkins.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/tompkinscommunitybank
• LinkedInlinkedin.com/company/tompkinscommunitybank
• Instagraminstagram.com/tompkinscommunitybank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tompkins Community Bank