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Tompkins Financial TMP Tier 1 Leverage Well-Capitalized Requirement

Tier 1 Leverage Well-Capitalized Requirement at other companies

Tompkins Financial logo
Tompkins FinancialTMP
$416.51M+4.6%
Amalgamated Financial Corp. logo
Amalgamated Financial Corp.AMAL
$431.39M+3.3%
Heritage Financial logo
Heritage FinancialHFWA
$337.58M-3.2%
Blackrock logo
BlackrockBLK
$63M-6.0%
Tompkins Financial logo
Tompkins FinancialTMP
$0.050.0%
Amalgamated Financial Corp. logo
Amalgamated Financial Corp.AMAL
$0.050.0%

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+24.1%
P/E-6.6×
P/S-0.5×

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 us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalized.

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 tier 1 leverage well-capitalized requirement?
Tompkins Financial (TMP) reported tier 1 leverage well-capitalized requirement of $416.51M in Q4 2025.
How has Tompkins Financial's tier 1 leverage well-capitalized requirement changed year-over-year?
Tompkins Financial's tier 1 leverage well-capitalized requirement increased by 4.6% year-over-year, from $398.12M to $416.51M.
What is the long-term trend for Tompkins Financial's tier 1 leverage well-capitalized requirement?
Over 5 years (2020 to 2025), Tompkins Financial's tier 1 leverage well-capitalized requirement has grown at a 1.8% compound annual growth rate (CAGR), from $381.35M to $416.51M.
What does tier 1 leverage well-capitalized requirement mean?
This represents the minimum Tier 1 leverage ratio required for a bank to be considered well-capitalized under regulatory frameworks. It serves as a critical indicator of the bank's ability to manage its balance sheet size relative to its equity base. Investors monitor this to ensure the bank maintains a conservative leverage profile.