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Tompkins Financial Q3 Earnings Soar 27% on Strong Growth

Tompkins Financial reports 27% jump in Q3 2025 earnings with $23.7M net income. Strong loan & deposit growth of 7% drives performance as net interest margin expands to 3.20%.

This financial performance matters because Tompkins Financial's strong results signal broader economic health in the regions it serves, particularly in New York and Pennsylvania. For customers and local businesses, the bank's robust growth and capital position mean continued access to credit and financial services during uncertain economic times. Investors should note the impressive 41 basis point expansion in net interest margin, which indicates effective management in a challenging interest rate environment. The 7% deposit and loan growth suggests strong consumer and business confidence in the bank's service areas. For the banking sector overall, Tompkins' ability to maintain asset quality while expanding demonstrates that regional banks can successfully navigate current economic headwinds through strategic management and disciplined growth.