Avon, IL · Cert 10849 · Tompkins Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.83% | 0.78% | 0.85% | 0.81% | +1 bps | |
| Return on Equity | 9.66% | 9.75% | 8.99% | 9.08% | 8.63% | -103 bps | |
| Net Interest Margin | 3.28% | 3.24% | 3.21% | 3.31% | 3.33% | +5 bps | |
| Efficiency Ratio | 70.71% | 69.61% | 71.37% | 65.18% | 69.17% | -154 bps | |
| Non-Interest Burden | 2.19% | 2.14% | 2.18% | 2.02% | 2.17% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.56% | 4.05% | 6.61% | 1.77% | 5.51% | +707 bps | |
| Loan Growth (YoY) | -1.74% | 4.23% | 11.55% | 6.26% | 8.55% | +1,030 bps | |
| Deposit Growth (YoY) | 0.34% | 6.20% | 7.34% | 2.08% | 5.99% | +565 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.71% | 0.67% | 0.64% | 0.92% | 0.20% | -52 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.04% | -0.03% | 0.04% | 0.09% | +13 bps | |
| Allowance / Loans | 0.87% | 0.85% | 0.85% | 0.87% | 0.82% | -5 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.3x | 1.3x | 1.0x | 4.1x | +2.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.64% | 9.62% | 9.57% | 9.59% | 9.82% | +18 bps | |
| Total Risk-Based Capital | 15.62% | 14.26% | 15.33% | 15.67% | 15.74% | +11 bps | |
| Equity / Assets | 8.50% | 9.16% | 9.33% | 9.40% | 9.42% | +92 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.34% | 59.17% | 62.28% | 60.21% | 61.79% | +146 bps | |
| Liquid Assets / Assets | 2.10% | 4.77% | 1.86% | 4.39% | 1.26% | -84 bps | |
| CRE / Total Capital | n/a | 95.22% | 114.98% | 117.78% | n/a | n/a | |