TOMPKINS FINANCIAL CORP
For the period ended Dec 31, 2025. Filed Feb 26, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Feb 26, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Table of Contents
Annual Report on Form 10-K
For the Fiscal Year Ended December 31, 2025
| PART I · Page | ||
|---|---|---|
| Item 1. | Business | 1 |
| Item 1A. | Risk Factors | 11 |
| Item 1B. | Unresolved Staff Comments | 19 |
| Item 1C. | Cybersecurity | 19 |
| Item 2. | Properties | 21 |
| Item 3. | Legal Proceedings | 21 |
| Item 4. | Mine Safety Disclosures | 21 |
| Information About Our Executive Officers | 21 | |
| PART II | ||
| Item 5. | Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities | 24 |
| Item 6. | [Reserved.] | 25 |
| Item 7. | Management’s Discussion and Analysis of Financial Condition and Results of Operations | 25 |
| Item 7A. | Quantitative and Qualitative Disclosures About Market Risk | 51 |
| Item 8. | Financial Statements and Supplementary Data | 54 |
| Item 9. | Changes in and Disagreements with Accountants on Accounting and Financial Disclosure | 125 |
| Item 9A. | Controls and Procedures | 125 |
| Item 9B. | Other Information | 125 |
| Item 9C. | Disclosure Regarding Foreign Jurisdictions that Prevent Inspections | 125 |
| PART III | ||
| Item 10. | Directors, Executive Officers, and Corporate Governance | 126 |
| Item 11. | Executive Compensation | 126 |
| Item 12. | Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters | 126 |
| Item 13. | Certain Relationships and Related Transactions, and Director Independence | 126 |
| Item 14. | Principal Accountant Fees and Services | 127 |
| Part IV | ||
| Item 15. | Exhibits and Financial Statement Schedules | 127 |
Glossary of Abbreviations and Acronyms
The acronyms and abbreviations identified below are used throughout this report, including the Notes to Consolidated Financial Statements. You may find it helpful to refer to this page as you read this report. All references in the glossary to laws are to those laws as amended from time to time.
| Term | Definition |
|---|---|
| ACL | Allowance for credit losses |
| AFS | Available for sale |
| AMLA | Anti-Money Laundering Act of 2020 |
| ASC | Accounting Standards Codification |
| ASU | Accounting Standards Update |
| BHC Act | Bank Holding Company Act of 1956 |
| BOLI | Bank owned life insurance |
| BSA | Bank Secrecy Act of 1970 |
| CECL | Current Expected Credit Losses |
| CFPB | Consumer Financial Protection Bureau |
| CRA | Community Reinvestment Act |
| CRE | Commercial real estate |
| DIF | Deposit Insurance Fund |
| Dodd-Frank Act | Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 |
| ECL | Expected credit losses |
| ERISA | Employee Retirement Income Security Act of 1974 |
| ESOP | Employee Stock Ownership Plan |
| Exchange Act | Securities Exchange Act of 1934 |
| FASB | Financial Accounting Standards Board |
| FDIC | Federal Deposit Insurance Corporation |
| FHLB | Federal Home Loan Bank |
| FHLBNY | Federal Home Loan Bank of New York |
| FHLMC | Federal Home Loan Mortgage Corporation |
| Finance Agency | Federal Home Loan Finance Agency |
| FRB | Federal Reserve Board |
| GAAP | U.S. Generally Accepted Accounting Principles |
| GLBA | Gramm-Leach-Bliley Act of 1999 |
| HTM | Held to maturity |
| LIHTC | Low income housing tax credit |
| NYSDFS | New York State Department of Financial Services |
| OREO | Other real estate owned |
| PCA | Prompt corrective action |
| PCD | Purchased with credit deterioration |
| PCI | Purchased credit impaired |
| Regulatory Relief Act | Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018 |
| ROU | Right-of-use |
| Sarbanes-Oxley | Sarbanes-Oxley Act of 2002 |
| SBIC | Small business investment companies |
| SEC | Securities and Exchange Commission |
| Securities Act | Securities Act of 1933 |
| SERP | Supplemental executive retirement plan |
| TDR | Troubled debt restructuring |
| Tompkins Insurance | Tompkins Insurance Agencies, Inc. |
| Tompkins or the Company | Tompkins Financial Corporation |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.