HIGHBuilt-inLoan_portfolio
73.9%
commercial and commercial real estate loans
“10-K Item 1A: 'commercial and commercial real estate loans totaled $4.8 billion or 73.9% of the Company's total loans'”
TMP · Concentration risk · 10-K extracted
Tompkins Financial (TMP) concentration risks
Updated
The most significant concentration Tompkins Financial discloses is commercial and commercial real estate loans at 73.9%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Tompkins Financial’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH2
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inGeographic
New York State and Pennsylvania
“10-K Item 1A: 'The Company's operations are heavily concentrated in New York State and, to a lesser extent, Pennsylvania'”
MEDIUMOutside partyCounterparty
Federal Home Loan Bank of New York (FHLBNY)
“10-K Item 1A: 'The most important counterparty for the Company, in terms of liquidity, is the Federal Home Loan Bank of New York'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Tompkins Financial's concentration risks are structural and centered on both loan composition and geography, at high disclosed share. Commercial and commercial real estate loans totaled $4.8 billion, or 73.9% of total loans, a high-share structural exposure to that asset class, and operations are heavily concentrated in New York State and, to a lesser extent, Pennsylvania, a high-share structural geographic exposure. Separately, the Federal Home Loan Bank of New York (FHLBNY) is described as the most important counterparty in terms of liquidity, a medium-share dependency exposure. The loan-mix and geographic concentrations reinforce one another: a commercial real estate-heavy portfolio situated substantially in New York and Pennsylvania means a regional commercial property downturn would pressure the majority of the loan book at once, rather than being cushioned by exposure elsewhere. The FHLBNY dependency is a different kind of risk — a liquidity-counterparty reliance rather than a credit-portfolio one — and while its disclosed share is smaller, it speaks to funding-side vulnerability if that relationship or facility access were disrupted. Overall, the structural loan and geographic concentrations are the larger, more consequential exposures, with the FHLBNY dependency an important but secondary liquidity consideration.
For the engine’s reasoning on TMP’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| TMP● | Tompkins Financial Corporation | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.