Tompkins Mahopac Bank

What Tompkins Mahopac Bank does

Tompkins Mahopac Bank, now operating as Tompkins Community Bank (DBA), is a regional community bank founded in 1836 and headquartered in Ithaca, New York, with a stated 101-250 employee base and FDIC-insured, state-chartered status. The bank serves retail and small-to-mid-sized business customers across Pennsylvania and New York through a multi-channel model that pairs physical branches with a Banno-powered digital banking platform supporting online account opening, mobile check deposit, and digital wallet (Apple Pay, Google Pay). Its product portfolio spans core deposits (checking, savings, CDs/IRAs, HSA), consumer and commercial lending (mortgages, home equity/HELOC, personal loans, vehicle loans, business loans, SBA loans, credit cards), and fee-based services (cash and treasury management, merchant services via Elavon, escrow management, healthcare banking, and HSA employer administration). The business model is a conventional community bank revenue stack: net interest income from the loan portfolio as the primary driver, supplemented by deposit fees, credit card interchange and interest, treasury and cash management fees, and revenue from affiliated subsidiaries Tompkins Insurance and Tompkins Financial Advisors. Loan origination is processed through the MeridianLink platform, check ordering through Deluxe, and digital banking through Banno, meaning the bank's technology surface is an integrated stack of third-party vendor platforms rather than proprietary infrastructure. The bank operates under the Tompkins Financial corporate umbrella, with cross-sold insurance and wealth management products creating a one-stop financial services model for personal and commercial customers in its footprint.

Name

Tompkins Mahopac Bank

Legal name

Tompkins Community Bank

Website

https://mahopacbank.com

Company type

Private

Founded year

1836

Operating status

Operating

Headcount range

101–250 employees

Short description

Tompkins Mahopac Bank (dba Tompkins Community Bank) is a regional community bank founded in 1836 serving personal and small-to-mid-sized business customers across Pennsylvania and New York with deposits, loans, digital banking, treasury management, and affiliated insurance and investment services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Public Sector & Municipal Credit Unions (FSABAEAK)

Keywords

• Community banking services
• Personal deposit accounts
• Commercial lending products
• Mortgage and home equity
• Small business banking

Headquarters

HQ city

Brewster

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Revenue generated from interest earned on loans including mortgages, home equity loans, personal loans, vehicle loans, and business loans. This is the primary revenue stream for the bank.
2. Deposit Account Fees and Service Charges: Fees from checking accounts, savings accounts, overdraft protection services, and other deposit-related services.
3. Credit Card Income: Revenue from credit card transactions, annual fees, and interest on outstanding credit card balances for both consumer and business credit cards.
4. Treasury Management and Cash Management Services: Fees from business banking services including cash management, escrow manager, and merchant services.
5. Insurance and Investment Services: Revenue from Tompkins Insurance agency and Tompkins Financial Advisors services, including HSA administration.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Tompkins Mahopac Bank, doing business as Tompkins Community Bank, is a regional community bank serving Pennsylvania and New York that provides personal and business deposit accounts (checking, savings, CDs/IRAs, HSA), consumer and commercial lending (mortgages, home equity/HELOC, personal, vehicle, business and SBA loans), credit cards, treasury and cash management, merchant services, escrow management, and healthcare-sector banking services. The bank supplements traditional branch banking with a Banno-powered digital platform offering mobile check deposit, digital wallet support, and online loan origination through MeridianLink, and also offers insurance and investment services through affiliated Tompkins Insurance and Tompkins Financial Advisors subsidiaries.

Product overview

Tompkins Community Bank is a regional community bank offering a comprehensive suite of personal and business banking products across Pennsylvania and New York. The bank operates as a single unified offering combining traditional branch banking with digital-first services. The product portfolio centers on core deposit products (checking, savings, CDs/IRAs, HSA accounts) and lending solutions (mortgages, home equity, personal loans, business loans, SBA loans, credit cards). Digital banking capabilities are delivered through the Banno platform with mobile check deposit, digital wallet, and online account management. Business banking includes specialized services like treasury management, cash management, merchant services, and escrow management. The bank also offers insurance and investment products through affiliated companies, creating a one-stop financial services model for personal and commercial customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

One partnership is on record.

• MeridianLinkcoreTechnology or IntegrationMeridianLink provides the loan origination platform used by Tompkins Community Bank for mortgage applications, personal loans, home equity loans, and vehicle loans. Customers are redirected to MeridianLink's platform (app.consumer.meridianlink.com) to complete loan applications. This is a technology integration partnership where MeridianLink's software enables the bank's loan application processing.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Direct peers

• Chemung Canal Trust Company: New York-based community bank offering personal and business banking, mortgages, and wealth services across upstate NY markets. Directly comparable as a regional community bank of similar scale serving overlapping geographies with a comparable product mix.
• Five Star Bank: Western and central NY community bank offering consumer and commercial banking, mortgages, and insurance. Comparable as a NY-focused community bank with similar community-based GTM and full product suite including insurance agency services.
• NBT Bank: Upstate NY community bank with multi-state presence including PA, offering personal banking, business banking, wealth management, and insurance. Comparable in geographic footprint across NY/PA and comprehensive financial services model.
• Community Bank, N.A. Subsidiary of Community Bank System operating across upstate NY, PA, VT, and MA with personal banking, business banking, and wealth management. Comparable as a multi-state community bank with similar scale and product breadth serving adjacent Northeast markets.
• First National Bank of Pennsylvania: FNB Corporation subsidiary serving PA and surrounding states with full personal and business banking, wealth management, and insurance. Comparable as a multi-state community/regional bank with similar product suite and insurance cross-sell model.
• Steuben Trust Company: Upstate NY community bank offering personal and business banking, trust services, and investment management. Comparable as a smaller-scale NY community bank with community-focused GTM and trust/wealth services.

Broad incumbents

• M&T Bank: Large regional bank headquartered in Buffalo, NY with significant presence across NY and PA. Comparable product offerings but at substantially larger scale; competes for the same regional customer base with greater resources.
• Citizens Bank: Major regional bank with strong NY and PA presence offering personal, business, and commercial banking. Overlaps with Tompkins in target geographies but operates at significantly larger scale with broader capabilities.
• KeyBank: Large regional bank with extensive NY and PA branch networks serving consumers and businesses. Competes in the same regional markets with broader product portfolio and digital capabilities at scale.

Others

• Tompkins Financial Advisors: Wealth management and investment advisory subsidiary of Tompkins Financial Corporation. Related as an affiliated entity providing investment services that complement Tompkins Community Bank's banking offerings.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/tompkinsmahopacbank
• LinkedInlinkedin.com/company/mahopac-national-bank
• Instagraminstagram.com/tompkinscommunitybank

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries4 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 Mahopac Bank