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Tompkins Financial TMP Tier 1 Well-Capitalized Requirement

Tier 1 Well-Capitalized Requirement at other companies

Tompkins Financial logo
Tompkins FinancialTMP
$518.54M+6.4%
1st Source Corporation logo
1st Source CorporationSRCE
$633.99M+0.6%
ESQ
Esquire Financial Holdings, Inc.ESQ
$150.16M+26.1%
WSFS Financial logo
WSFS FinancialWSFS
$1.29B-1.5%
Heritage Financial logo
Heritage FinancialHFWA
$446.1M-0.9%
Amalgamated Financial Corp. logo
Amalgamated Financial Corp.AMAL
$455.61M+5.3%

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 us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized.

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 well-capitalized requirement?
Tompkins Financial (TMP) reported tier 1 well-capitalized requirement of $518.54M in Q4 2025.
How has Tompkins Financial's tier 1 well-capitalized requirement changed year-over-year?
Tompkins Financial's tier 1 well-capitalized requirement increased by 6.4% year-over-year, from $487.5M to $518.54M.
What is the long-term trend for Tompkins Financial's tier 1 well-capitalized requirement?
Over 5 years (2020 to 2025), Tompkins Financial's tier 1 well-capitalized requirement has grown at a 5.3% compound annual growth rate (CAGR), from $400.58M to $518.54M.
What does tier 1 well-capitalized requirement mean?
This represents the minimum Tier 1 capital threshold established by regulatory authorities for a bank to be classified as well-capitalized. Meeting this requirement is essential for maintaining regulatory compliance and operational flexibility. It serves as a benchmark for investors to evaluate the bank's safety margin above the minimum regulatory standards.