Tompkins Financial released third-quarter 2026 results on October 23 for the quarter ended September 30. Tompkins Financial earnings showed higher profit, a wider net interest margin and continued loan and deposit growth.

Tompkins Financial Earnings Lift EPS 21%

Quarterly net income increased to $28.7 million from $23.7 million a year earlier. For the first nine months, net income rose 29.6% to $84.0 million and diluted earnings per share reached $5.86.

The figures came from Tompkins Financial’s October 23 filing with the U.S. Securities and Exchange Commission. The profit growth adds to a busy period for financial-sector results, including American Express’s quarterly earnings update.

Tompkins Financial Earnings Reflect Wider Margin

Net interest margin increased 45 basis points from a year earlier and seven basis points from the second quarter. Management attributed the annual improvement to loan growth, better earning-asset yields and lower funding costs.

Average loan balances increased 6.9% from a year earlier, led by commercial real estate and commercial and industrial lending. Regional-bank margin trends also complement recent coverage of Popular’s earnings and dividend increase.

Loan Growth Supports Capital Position

Period-end loans reached $6.72 billion, while total deposits increased to $7.41 billion. Tompkins reported a 14.89% total capital ratio and said available liquidity totaled $1.5 billion at quarter-end.

The company approved a dividend increase of 13.8% from the fourth quarter of 2025. Bank margins and loan demand remain sensitive to the rate path, which Fusion Market News reviewed in its Federal Reserve and economic-data preview.

Elsy Kanana is a financial and cryptocurrency journalist at FusionMarketNews, covering digital assets, blockchain technology, financial markets, and emerging fintech trends. Her reporting focuses on market movements, regulatory developments, and on-chain analytics, delivering clear, data-driven insights to readers worldwide.