Unverified listing What this means

The Lender Report built this page from public records. Tompkins Bank & Trust has not reviewed it. Every lender's page starts this way, and it says nothing about Tompkins Bank & Trust itself. Each figure shows its source and date. Work at Tompkins Bank & Trust? You can claim this page for free.

Bank, Ithaca, NY

Tompkins Bank & Trust

A bank based in Ithaca, NY. Its commercial book is led by non-owner-occupied CRE and C&I. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.

Kind
Bank
Data as of
June 30, 2026
Page last changed
November 12, 2026
Commercial book
$4.41B
FDIC call report,
Holds, not loans made
Multifamily loans made, 2025
74
HMDA,
HMDA, 5 or more units
SBA loans, 36 months
104
SBA FOIA,
7(a) and 504, net of cancelled
Total assets
$8.79B
FDIC call report,
Does it fit my deal?

The deal is read here and kept nowhere. Leave out names, income and credit scores.

How to reach them

Each line shows where it came from

Phone
888-273-3210 From the lender's website, retrieved November 9, 2026. Source page
Website
www.tompkinsbank.comFrom the FDIC record, November 9, 2026.
Commercial lending page
tompkinsbank.comFrom the lender's website, retrieved November 11, 2026.
Names it files under
Tompkins Community BankFDIC institution record,
Address
118 E Seneca St, Ithaca, NY 14850FDIC institution record,
Regulator record
FDIC BankFind

Recently done

Recorded lending

Recorded lending. Two or more public files show loans this lender made.

What changed. Tompkins Bank & Trust originated 74 multifamily loans in 2025, versus 52 in 2024. HMDA,

What the public record shows, newest first
WhenWhat the record showsSource
Last 24 months Office changes in the last 24 months: 0 opened, 1 closed, 0 relocated.FDIC structure history. FDIC history
Oct 2023 to Sep 2026 SBA 7(a) approvals by processing method: 39 under Preferred Lender authority, 49 SBA Express.SBA ProcessingMethod field, net of cancellations. SBA FOIA,
July 20, 2026 Changed its name from Tompkins Community Bank on July 20, 2026.FDIC structure history. FDIC history,
Jun 2025 to Jun 2026 Commercial and industrial balance rose 27.0% to $871.6M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Multifamily balance rose 19.1% to $775.8M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. FDIC call report
2024 Reported making 1,581 small business loans totaling $348.5M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. FFIEC CRA disclosure data
2023-10 to 2026-09 Named as the lender on 10 mortgages recorded in New York City.exact normalized lender name and state, or a reviewed alias NYC ACRIS recorded mortgages

Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.

Tompkins Bank & TrustNewest first
PeriodPlaceLoanAmountRateTermLTVSource
Sep 2026New YorkSBA 7(a), Pet Care (except Veterinary) Services$580K7.25%10 yrSBA FOIA
Sep 2026New YorkSBA 7(a), Full-Service Restaurants$300K7.25%10 yrSBA FOIA
Sep 2026PennsylvaniaSBA 7(a), Snack and Nonalcoholic Beverage Bars$250K7.25%10 yrSBA FOIA
Sep 2026New YorkSBA 7(a), Pet Care (except Veterinary) Services$100K7.25%8 yrSBA FOIA
Aug 2026New YorkSBA 7(a), Full-Service Restaurants$25K7.25%10 yrSBA FOIA
Jul 2026New YorkSBA 7(a), Other Construction Material Merchant Wholesalers$400K7.25%7 yrSBA FOIA
Jul 2026New YorkSBA 7(a), Couriers and Express Delivery Services$150K8%10 yrSBA FOIA
Mar 2026New YorkSBA 7(a), Florists$140K7.75%20 yrSBA FOIA
Mar 2026New YorkSBA 7(a), Florists$140K7.75%10 yrSBA FOIA
Mar 2026New YorkSBA 7(a), Offices of Chiropractors$140K6.5%10 yrSBA FOIA
Mar 2026New YorkSBA 7(a), Offices of Chiropractors$20K7.25%6 yrSBA FOIA
Feb 2026New YorkSBA 7(a), Flooring Contractors$340K6.75%7 yrSBA FOIA
Feb 2026New YorkSBA 7(a), Offices of Certified Public Accountants$120K7.75%10 yrSBA FOIA
Feb 2026New YorkSBA 7(a), Caterers$100K6.75%10 yrSBA FOIA
Feb 2026New YorkSBA 7(a), Flooring Contractors$75K7.25%10 yrSBA FOIA
Jan 2026New YorkSBA 504, Wholesale Trade$2.9M25 yrSBA FOIA
Jan 2026PennsylvaniaSBA 7(a), All Other Specialty Trade Contractors$500K7.75%10 yrSBA FOIA
Jan 2026New YorkSBA 7(a), Fitness and Recreational Sports Centers$180K7.5%5 yrSBA FOIA
Jan 2026PennsylvaniaSBA 7(a), Other Personal and Household Goods Repair and Maintenance$68K7.25%10 yrSBA FOIA
2025Erie County, NYRefinance, 150 or more units$26M5.92%2 yr72%HMDA 2025
2025Erie County, NYPurchase, 100 to 149 units$25M6.23%5 yr70%HMDA 2025
2025Tompkins County, NYRefinance, 50 to 99 units$21M7.06%12 yr66%HMDA 2025
2025Lebanon County, PAPurchase, 100 to 149 units$16M6.57%10 yr66%HMDA 2025
2025Erie County, NYPurchase, 50 to 99 units$14M6.71%5 yr72%HMDA 2025
2025Broome County, NYPurchase, 50 to 99 units$12M6.83%27 yr80%HMDA 2025
93 SBA 7(a) loans since October 2023, net of cancelled$27.5MSBA FOIA

A blank means the source did not report it.

Recorded mortgages, New York City

NYC ACRIS, September 30, 2026

Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.

  • 10 mortgages recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 name Tompkins Bank & Trust as the lender, totaling $52.1M.
  • 2 of them were recorded in the latest 12 months of that window.
Recorded mortgages by property class
Property classMortgagesDollars
Multifamily4$5.50M
Other4$15.0M
Office2$31.0M
NYC ACRIS recorded mortgages,
Recorded mortgages by borough
BoroughMortgages
Bronx8
Manhattan1
Queens1
NYC ACRIS recorded mortgages,

How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.

What it holds

FDIC call report, June 30, 2026

Commercial book on the latest filing
BookHoldsOf its loansYear over year
Multifamily$776M11.8%+19.1%
Construction and land development$490M7.4%+26.2%
Owner-occupied CRE$583M8.8%-2.0%
Non-owner-occupied CRE$1.45B22.0%-0.8%
Farmland$241M3.6%+6.9%
Commercial and industrial$872M13.2%+27.0%
Commercial total$4.41B
FDIC call report,

Reference only: $1.88B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.

Table
Commercial book by quarter
QuarterCommercial book
Q3 2023$3.33B
Q4 2023$3.47B
Q1 2024$3.48B
Q2 2024$3.59B
Q3 2024$3.71B
Q4 2024$3.84B
Q1 2025$3.90B
Q2 2025$4.01B
Q3 2025$4.11B
Q4 2025$4.29B
Q1 2026$4.30B
Q2 2026$4.41B
FDIC call reports,
Loans on record, by kind
Kind of loanPeriodLoans madeDollarsTypical sizeLargestSource
Multifamily, 5 or more units202574$244M$1.17M$26MHMDA,
Multifamily, 5 or more units202452$182M$975KHMDA,
1-4 unit investor or business purpose2025125$36.8M$185KHMDA,
SBA 7(a), net of cancelled36 months to Sep 202693$27.5M$150K$4.8MSBA FOIA,
SBA 7(a), net of cancelled12 months to Sep 202622$5.49MSBA FOIA,
SBA 504 first lien, net of cancelled36 months to Sep 202611$27.2M$2.27M$6.8MSBA FOIA,

How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.

SBA loans by industry, 36 months
IndustryLoansDollars
Landscaping Services5$2.21M
Full-Service Restaurants5$749K
SBA FOIA,

Other lenders in these fields: SBA lenders for landscaping companies, SBA lenders for restaurants.

Programs on record: Federal Home Loan Bank member, New York district (FHFA).

Small business loans reported under CRA

FFIEC CRA, 2024

  • Tompkins Bank & Trust reported making 1,581 small business loans totaling $348,497,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
  • By size when made: 759 of $100,000 or less, 376 over $100,000 up to $250,000, 446 over $250,000 up to $1 million.
  • 773 of them, totaling $132,842,000, went to businesses with revenue of $1 million or less.
  • Tompkins Bank & Trust reported making 277 small farm loans totaling $38,364,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
  • By size when made: 168 of $100,000 or less, 61 over $100,000 up to $250,000, 48 over $250,000 up to $500,000.
  • 195 of them, totaling $19,967,000, went to farms with revenue of $1 million or less.
Counties with 5 or more small business loans in 2024. Other counties, each under 5 loans: 97 loans, $28,335,000.
CountyLoansTotal
Berks County, PA220$50.8M
Westchester County, NY179$43.3M
Tompkins County, NY125$23.1M
Monroe County, NY101$25.7M
Wyoming County, NY93$15.1M
Genesee County, NY87$11.9M
Putnam County, NY78$15.2M
Erie County, NY77$21.2M
Onondaga County, NY68$21.8M
Dutchess County, NY64$9.76M
FFIEC CRA disclosure data,
Counties with 5 or more small farm loans in 2024. Other counties, each under 5 loans: 25 loans, $3,542,000.
CountyLoansTotal
Wyoming County, NY55$9.19M
Berks County, PA52$8.04M
Livingston County, NY27$3.65M
Erie County, NY26$2.42M
Cattaraugus County, NY18$1.57M
Genesee County, NY16$1.48M
Lebanon County, PA16$2.19M
Niagara County, NY13$2.67M
Allegany County, NY12$1.17M
Orleans County, NY12$1.46M
FFIEC CRA disclosure data,

In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.

Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.

How this filing was tied to this bank: FDIC certificate (respondent ID) + transmittal RSSD.

Undrawn commitments

FFIEC Call Report, June 30, 2026

  • Tompkins Bank & Trust reported commitments to fund construction loans that had not been drawn at June 30, 2026: $27,122,000 for 1-4 family residential construction and $361,033,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
  • Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $506,492,000. These are credit lines not yet used.

FFIEC Call Report,

Small loans it holds, by original size

FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026

Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.

Commercial and industrial loans, by original amount
Original amountLoansHolds
$100,000 or less1,573$60.1M
Over $100,000 up to $250,000723$85.2M
Over $250,000 up to $1 million556$214M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by nonfarm nonresidential property, by original amount
Original amountLoansHolds
$100,000 or less68$3.04M
Over $100,000 up to $250,000329$39.7M
Over $250,000 up to $1 million727$290M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by farmland, by original amount
Original amountLoansHolds
$100,000 or less47$3.22M
Over $100,000 up to $250,000125$15.5M
Over $250,000 up to $500,000109$28.7M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Agricultural production loans, by original amount
Original amountLoansHolds
$100,000 or less268$10.8M
Over $100,000 up to $250,000105$13.2M
Over $250,000 up to $500,00057$17.9M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,

Where it lends

Offices beside loans on record

Offices and recorded loans by state
StateOfficesMultifamily 20251-4 investor 2025SBA 7(a) 36 mo.SBA 504 36 mo.
New York HQ416991794
Pennsylvania18434127
Connecticut00020
New Jersey01000
FDIC office list, HMDA, SBA FOIA,
Counties with the most recorded loans (5 or more)
CountyRecorded loansDollars
Erie County, NY30$117M
Onondaga County, NY15$27.9M
Tompkins County, NY12$46.8M
Westchester County, NY11$47.8M
Bronx County, NY8$20.4M
Niagara County, NY6$11.7M
HMDA, SBA FOIA,
Metro areas with the most recorded loans (5 or more)
MetroRecorded loansDollars
Buffalo-Cheektowaga, NY36$128M
New York-Jersey City-White Plains, NY-NJ24$90.8M
Syracuse, NY16$28.5M
Ithaca, NY12$46.8M
Rochester, NY5$19.8M
HMDA, SBA FOIA,

Offices by county

FDIC Summary of Deposits, June 30, 2026

  • Tompkins Bank & Trust has 57 offices in 18 counties and 2 states (FDIC Summary of Deposits, June 30, 2026): 56 full service and 1 limited service.
Counties with the most offices
CountyFull-service officesLimited-service offices
Berks County, PA110
Tompkins County, NY81
Westchester County, NY50
Putnam County, NY40
Wyoming County, NY40
Dutchess County, NY30
Genesee County, NY30
Livingston County, NY30
Monroe County, NY30
Montgomery County, PA30
Onondaga County, NY20
Cayuga County, NY10
Cortland County, NY10
Erie County, NY10
Orleans County, NY10
FDIC Summary of Deposits,

Loan production offices are not in this file. A bank with no office here can still lend here.

Capacity. Not a rating

Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.

Lending capacity measures, with peers
MeasureThis lenderIts peersHow it is worked outSource
Estimated largest single loan$126M$66.9M to $247M across 8 peersEstimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated.FDIC call report, 12 CFR 32.3, Jun 30, 2026
CRE to capital323.1%27.8% to 304.1% across 8 peers(Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance.FDIC call report,
Construction to capital58.2%7.7% to 90.2% across 8 peersConstruction loans divided by tier 1 capital plus allowance.FDIC call report,
Loans to deposits92.1%75.9% to 95.1% across 8 peersTotal loans divided by total deposits.FDIC call report,
Unused CRE commitments$388M$56.7M to $768M across 8 peersCommitments to lend on commercial real estate that are not yet drawn.FDIC call report,
Loans to assets75.0%64.7% to 82.7% across 8 peersTotal loans divided by total assets.FDIC call report,

Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.

Loan channel and SBA processing

Public record only

Preferred Lender authority
39 loans (41.9%)
SBA Express
49 loans
Approval to first disbursement
21 days, median of 87

SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.

Peers

Same kind of lender, similar size and book

Peers
LenderStateTotal assetsCommercial book
Five Star BankNY$6.29B$3.13B
The Canandaigua National Bank and Trust CompanyNY$5.41B$1.96B
Metropolitan Commercial BankNY$8.86B$7.19B
TrustCo BankNY$6.52B$251M
Community Bank, National AssociationNY$17.4B$4.77B
NBT Bank, National AssociationNY$16.1B$6.27B
Israel Discount Bank of New YorkNY$14.4B$8.39B
Arrow Bank National AssociationNY$4.46B$1.01B
FDIC call report,

Compare these lenders side by side

What we don't know

  • Whether it is taking new loans today, or on what terms.
  • How much of its book it made recently. Call reports carry balances, not loans made.
  • Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
  • How its 1-4 family loans divide between owner-occupied and investor.
  • Whether it takes brokers. No figure here means no evidence, not a refusal.

Check this page

Against the regulator's own record

  1. Name and charter. Tompkins Bank & Trust, FDIC certificate 609. Compare it with the regulator's record. [FDIC BankFind]
  2. Balances. $8.79B in total assets and $4.41B in commercial loans held, from the call report for June 30, 2026. [Source]
  3. Loans made. 355 recorded loans from HMDA and SBA files, through September 30, 2026: 74 HMDA multifamily 2025, 52 HMDA multifamily 2024, 125 HMDA 1-4 unit investor 2025, 93 SBA 7(a) in 36 months, 11 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Tompkins Bank & Trust]
  4. Phone and website. Phone 888-273-3210, from the lender's website on November 9, 2026. Website tompkinsbank.com, from the FDIC record. [How to reach them]
  5. Small business loans reported under CRA. 1,581 small business loans reported in its CRA filing for 2024. [Source]
  6. Recorded mortgages, New York City. 10 recorded mortgages in New York City under this name. [Source]

Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error

For the record

Data as of June 30, 2026. Page last changed November 12, 2026.

Regulator
FDIC
FDIC certificate
609
RSSD
433608
LEI
254900Q6YS0NMCYAH669
The Lender Report ID
lr_000232
FDIC classifies this bank as
Commercial Lending Specialization
Ownership
Stock
Head office metro area
Ithaca, NY

FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.

  • Reported $8.8B in total assets as of June 30, 2026 (FDIC call report).
  • Held $4.4B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
  • Held $1.5B of non-owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
  • Held $871.6M of commercial and industrial loans as of June 30, 2026, up 27.0% from a year earlier (FDIC call report).
  • Held $775.8M of multifamily loans as of June 30, 2026, up 19.1% from a year earlier (FDIC call report).
  • Originated 74 multifamily loans totaling $243.9M in 2025 (HMDA).
11 more sentences
  • Originated 52 multifamily loans totaling $182.2M in 2024 (HMDA).
  • Originated 125 1-4 unit investor or business-purpose loans totaling $36.8M in 2025 (HMDA).
  • Recorded 102 SBA 7(a) approvals totaling $29.6M from October 1, 2023 to September 30, 2026, of which 9 were later cancelled (SBA).
  • Provided the first lien on 11 SBA 504 projects with $27.2M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
  • Listed 59 offices in 2 states (FDIC).
  • Reported making 1,581 small business loans totaling $348.5M in 2024, in its Community Reinvestment Act filing (FFIEC).
  • Reported making 277 small farm loans totaling $38.4M in 2024, in its Community Reinvestment Act filing (FFIEC).
  • Held 2,852 commercial and industrial loans that were $1 million or less when made, with a balance of $359M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Held 1,124 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $332.9M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $27.1M for 1-4 family and $361M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
  • Named as the lender on 10 mortgages recorded in New York City from 2023-10 to 2026-09, totaling $52.1M (NYC Department of Finance, ACRIS).

Cite this

Source: The Lender Report, Tompkins Bank & Trust, https://lender.report/lender/tompkins-bank-and-trust-ny/, data as of June 30, 2026.

Sources

Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.

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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem