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Get filing alertsTompkins Financial reports Q2 2026 EPS of $2.04, up 12% on margin expansion and loan growth
Filed July 28, 2026 · Period ending July 28, 2026 · ~1 min read
Key Changes
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Q2 2026 diluted EPS of $2.04, up from $1.82 in Q1 2026, driven by higher net interest income and noninterest income partially offset by higher tax expense.
Exhibit 99.1 view on EDGAR → -
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Net interest margin expanded 50 basis points year-over-year through investment portfolio restructuring, deposit-funded loan growth, and shorter loan duration.
Exhibit 99.1 view on EDGAR → -
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Loans grew 7.4% annualized in Q2 2026 to $6.6 billion, diversified across commercial real estate, C&I, and residential segments.
Exhibit 99.1 view on EDGAR → -
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Average deposit cost of 1.51% in Q2 2026; total deposits up 4.7% year-over-year to $7.0 billion with 27% noninterest bearing and 81% core non-time.
Exhibit 99.1 view on EDGAR → -
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Total risk-based capital ratio of 14.89% and tangible equity to tangible assets of 10.16%, well above regulatory minimums.
Exhibit 99.1 view on EDGAR →
Summary
Tompkins Financial furnished investor presentation materials from the KBW Summer Bank Conference disclosing Q2 2026 results. The company reported diluted EPS of $2.04, up 12% sequentially from $1.82 in Q1 2026, reflecting higher net interest income and noninterest income.
Net interest margin expanded 50 basis points year-over-year through strategic balance sheet management including investment portfolio restructuring, deposit-funded loan growth, and shortening loan portfolio duration. The company delivered 7.4% annualized loan growth in Q2 2026, reaching $6.6 billion in total loans and leases, with diversified growth across commercial real estate, C&I, and residential segments.
Deposits grew 4.7% year-over-year to $7.0 billion at an average cost of 1.51%, with a stable funding mix of 27% noninterest bearing and 81% core non-time deposits. Capital ratios remain strong with total risk-based capital at 14.89% and tangible equity to tangible assets at 10.16%, both well above regulatory thresholds. The presentation materials provide institutional investors with financial highlights and strategic priorities but contain no forward guidance or material new disclosures beyond the quarterly results.
Section-by-Section Diff
Event · Item 7.01 — Regulation FD Disclosure
Tompkins Financial furnished investor presentation materials from the KBW Summer Bank Conference held July 28, 2026.
Show 1 minor / wording change
Added in current filing · verify on EDGAR →
Tompkins Financial Corporation (the "Company") is furnishing the materials presented at the KBW Summer Bank Conference on July 28, 2026 as Exhibit 99.1 to this report
The company disclosed presentation materials from the KBW Summer Bank Conference. These materials typically contain financial highlights, strategic priorities, and management commentary for institutional investors. The filing does not summarize the presentation content.
Event · Exhibit 99.1
Tompkins Financial presented Q2 2026 results at KBW Summer Bank Conference, highlighting 7.4% annualized loan growth and 50 bps NIM expansion.
Added in current filing · view on EDGAR →
Reported Net Income 29,304 26,074 3,230 EPS Basic $2.06 $1.83 $0.23 EPS Diluted $2.04 $1.82 $0.22
Tompkins Financial reported Q2 2026 net income of $29.3 million, or $2.04 per diluted share, up from $26.1 million or $1.82 per diluted share in Q1 2026. The sequential increase reflects higher net interest income and noninterest income, partially offset by higher income tax expense.
Added in current filing · view on EDGAR →
Q2 2026 Net Interest Margin increase 50 bps vs. prior year
The company's net interest margin increased 50 basis points year-over-year in Q2 2026. Management attributes this to strategic balance sheet management including restructuring the investment portfolio, funding loan growth with deposits, and shortening the duration of the loan portfolio.
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Figures/quotes linked to EDGAR · Narrative written by AI · Jul 29, 2026 · How we verify