BlastPoint's Banking Scorecard
Tompkins Community Bank
Mid-Market
Specialty: Commercial
NY
FDIC cert 609
Ithaca, NY
201
banks in Mid-Market tier nationally
22 in NY
View Mid-Market leaderboard (NY) →
Tompkins Community Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 32% in Mid-Market
- - Return on Assets 0.78% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.7B
+7.5% YoY
+2.9% QoQ
|
-$1.8B |
$10.5B
+2.9% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$6.4B
+7.9% YoY
+3.3% QoQ
|
-$699.4M |
$7.1B
+4.5% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$7.1B
+9.6% YoY
+0.5% QoQ
|
-$1.4B |
$8.5B
+3.0% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
0.39%
-57.9% YoY
-62.4% QoQ
|
-0.78% |
1.16%
+9.4% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
3.18%
+11.4% YoY
+2.5% QoQ
|
-0.22% |
3.40%
+7.9% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
57.81%
-7.8% YoY
-1.4% QoQ
|
+1.20% |
56.60%
-3.2% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.75%
-12.6% YoY
-12.4% QoQ
|
+0.06% |
0.68%
+12.0% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
90.16%
-1.6% YoY
+2.7% QoQ
|
+4.69% |
85.47%
+1.1% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
29.34%
+1.9% YoY
+7.1% QoQ
|
+8.70% |
20.64%
-0.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.56%
-31.3% YoY
-11.7% QoQ
|
+0.06% |
0.50%
+7.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
11.48%
+0.2% YoY
-1.5% QoQ
|
-2.07% |
13.55%
+1.8% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.73%
-2.8% YoY
+31.2% QoQ
|
-0.22% |
0.96%
+7.1% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#26 of 80 · Bottom 32% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.16%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
Return on Assets
metric
Bottom 9%
in Mid-Market
Why this stands out
Current:
0.39%
(Tier avg: 1.16%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 29.34% · Tier avg: 20.64%
59
59th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.96%
55
55th pctile
Total Loans
Current: $6.4B · Tier avg: $7.1B
53
53th pctile
Total Deposits
Current: $7.1B · Tier avg: $8.5B
53
53th pctile
Total Assets
Current: $8.7B · Tier avg: $10.5B
44
44th pctile
Efficiency Ratio
Current: 57.81% · Tier avg: 56.60%
39
39th pctile
Loan-to-Deposit Ratio
Current: 90.16% · Tier avg: 85.47%
39
39th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.68%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
33
33th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 3.40%
20
20th pctile
Tier 1 Capital Ratio
Current: 11.48% · Tier avg: 13.55%
9
9th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.16%
Top Weaknesses
9
9th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.16%
20
20th pctile
Tier 1 Capital Ratio
Current: 11.48% · Tier avg: 13.55%
33
33th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 3.40%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
39
39th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.68%
39
39th pctile
Loan-to-Deposit Ratio
Current: 90.16% · Tier avg: 85.47%
44
44th pctile
Efficiency Ratio
Current: 57.81% · Tier avg: 56.60%
53
53th pctile
Total Assets
Current: $8.7B · Tier avg: $10.5B
53
53th pctile
Total Deposits
Current: $7.1B · Tier avg: $8.5B
55
55th pctile
Total Loans
Current: $6.4B · Tier avg: $7.1B
59
59th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.96%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 29.34% · Tier avg: 20.64%