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Tompkins State Bank

Avon, IL · Cert 10849 · Tompkins Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$303.5MAssets
$169.5MLoans
$274.3MDeposits
$28.6MEquity
Loan mix
72%RE $91.2M25%C&I $32.0M2%Consumer $3.1MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $217.6M21%Noninterest $56.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.77%, up 1 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.20% of loans (-52 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 9.82%, up 18 bps from a year ago.
  • Funding: loans stand at 61.79% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.77%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.32%+5 bps YoY

Efficiency Ratio (quarter, annualized)

73.13%+30 bps YoY

Tier 1 Leverage Ratio

9.82%+18 bps YoY

NIM

4.53%Q2 ’244.66%Q2 ’254.65%Q2 ’26+4%+2%

Non-interest income vs. expense

2.45%Q2 ’242.62%Q2 ’252.67%Q2 ’26+9%+2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%0.11%0.83%0.76%0.90%0.63%0.85%0.77%+1 bps
Return on Equity11.68%1.32%10.13%9.18%10.20%6.76%9.08%8.18%-100 bps
Net Interest Margin3.17%3.25%3.24%3.27%3.31%3.36%3.31%3.32%+5 bps
Efficiency Ratio63.79%80.79%68.57%72.83%67.44%76.32%65.18%73.13%+30 bps
Non-Interest Burden1.85%2.52%2.10%2.26%2.13%2.45%2.02%2.30%+5 bps
Growth
Asset Growth (YoY)-3.41%-4.14%0.73%-1.56%4.05%6.61%1.77%5.51%+707 bps
Loan Growth (YoY)0.58%-3.04%-2.58%-1.74%4.23%11.55%6.26%8.55%+1,030 bps
Deposit Growth (YoY)-5.36%-1.79%1.87%0.34%6.20%7.34%2.08%5.99%+565 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.02%0.04%0.71%0.67%0.64%0.92%0.20%-52 bps
Net Charge-Offs / Loans1.36%-0.13%-0.01%-0.08%-0.02%-0.02%0.04%0.14%+22 bps
Allowance / Loans0.55%0.84%0.85%0.87%0.85%0.85%0.87%0.82%-5 bps
Allowance Coverage of NPLs3.9x49.9x23.8x1.2x1.3x1.3x1.0x4.1x+2.9x
Capital
Tier 1 Leverage Ratio9.43%9.47%9.36%9.64%9.62%9.57%9.59%9.82%+18 bps
Total Risk-Based Capital13.74%15.41%14.03%15.62%14.26%15.33%15.67%15.74%+11 bps
Equity / Assets8.97%8.27%8.09%8.50%9.16%9.33%9.40%9.42%+92 bps
Liquidity & Funding
Loans / Deposits60.29%59.93%57.83%60.34%59.17%62.28%60.21%61.79%+146 bps
Liquid Assets / Assets0.78%1.79%5.49%2.10%4.77%1.86%4.39%1.26%-84 bps
CRE / Total Capitaln/an/an/an/a95.22%114.98%117.78%n/an/a