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Tompkins Financial TMP Deferred loan fees and costs

Deferred loan fees and costs at other companies

Independent Bank Corporation logo
Independent Bank CorporationIBCP
$2.26M+0.5%
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-$31.95M+13.3%
Pitney Bowes logo
Pitney BowesPBI
-$1.96M+9.1%
Wintrust Financial logo
Wintrust FinancialWTFC
$10.26M+30.1%
Verisk Analytics, Inc. logo
Verisk Analytics, Inc.VRSK
-$800K-33.3%
Blackstone Mortgage Trust logo
Blackstone Mortgage TrustBXMT
$15.43M+45.3%

Other financials

Income statement

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Revenue$83.7M+2.4%
Net income$26.1M+32.5%
EPS (diluted)$1.82+32.8%

Balance sheet

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Cash & equivalents$171.4M-11.2%
Total debt$122.1M-71.4%
Total equity$946.7M+27.7%
Total assets$8.7B+6.1%

Cash flow

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Operating cash flow$73.4M+230%
CapEx$2.3M+72.2%
Free cash flow$71.1M+241%

Valuation

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Market cap$1.34B+53.1%
P/E-3.9×
P/S+0.1×

Profitability

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Net margin37.3%+13.4pp
FCF margin28.8%0.0pp

Returns & leverage

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Return on equity19.8%+9.4pp
Debt / equity0.1×-0.5×

Where this comes from

Reported directly by Tompkins Financial in its filing.

Tagged under the XBRL concept tmp:DeferredTaxAssetsDeferredLoanFeesAndCosts.

The official record: Tompkins Financial’s 10-K, filed February 26, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Tompkins Financial's deferred loan fees and costs?
Tompkins Financial (TMP) reported deferred loan fees and costs of $1.21M in Q4 2025.
How has Tompkins Financial's deferred loan fees and costs changed year-over-year?
Tompkins Financial's deferred loan fees and costs decreased by 6.5% year-over-year, from $1.29M to $1.21M.
What is the long-term trend for Tompkins Financial's deferred loan fees and costs?
Over 5 years (2020 to 2025), Tompkins Financial's deferred loan fees and costs has grown at a -7.5% compound annual growth rate (CAGR), from $1.78M to $1.21M.
What does deferred loan fees and costs mean?
Reflects the unamortized portion of fees collected and costs incurred in the origination of loans, which are deferred for accounting purposes. These amounts are recognized as adjustments to interest income over the life of the related loans. Monitoring this balance provides insight into the pipeline of loan origination activity and future interest income recognition.