Regulations and Supervision (Tables)

12 Months Ended

Dec. 31, 2024

Actual capital amounts and ratios of the Company and its subsidiary bank are as follows:


	Actual	Minimum Capital Required- Basel III Fully-Phased-In	Required to be Considered Well Capitalized
(dollar amounts in thousands)	Amount/Ratio	Amount/Ratio	Amount/Ratio
December 31, 2024
Total Capital (to risk-weighted assets)
The Company (consolidated)	$796,226 /13.1%	$639,844/>10.5%	$609,375/>10.0%
Tompkins Community Bank	$754,991/12.4%	$638,719/>10.5%	$608,304/>10.0%
Common Equity Tier 1 Capital (to risk-weighted assets)
The Company (consolidated)	$738,266/12.1%	$426,563/>7.0%	$396,094/>6.5%
Tompkins Community Bank	$697,031/11.5%	$425,813/>7.0%	$395,398/>6.5%
Tier 1 Capital (to risk-weighted assets)
The Company (consolidated)	$738,266/12.1%	$517,969/>8.5%	$487,500/>8.0%
Tompkins Community Bank	$697,031/11.5%	$517,058/>8.5%	$486,643/>8.0%
Tier 1 Capital (to average assets)
The Company (consolidated)	$738,266/9.3%	$318,498/>4.0%	$398,123/>5.0%
Tompkins Community Bank	$697,031/8.8%	$317,914/>4.0%	$397,393/>5.0%
December 31, 2023
Total Capital (to risk-weighted assets)
The Company (consolidated)	$754,792 /13.4%	$593,213/>10.5%	$564,965/>10.0%
Tompkins Community Bank	$721,297/12.8%	$591,445/>10.5%	$563,281/>10.0%
Common Equity Tier 1 Capital (to risk-weighted assets)
The Company (consolidated)	$699,525/12.4%	$395,476/>7.0%	$367,227/>6.5%
Tompkins Community Bank	$666,030/11.8%	$394,297/>7.0%	$366,133/>6.5%
Tier 1 Capital (to risk-weighted assets)
The Company (consolidated)	$699,525/12.4%	$480,220/>8.5%	$451,972/>8.0%
Tompkins Community Bank	$666,030/11.8%	$478,789/>8.5%	$450,625/>8.0%
Tier 1 Capital (to average assets)
The Company (consolidated)	$699,525/9.1%	$308,269/>4.0%	$385,337/>5.0%
Tompkins Community Bank	$666,030/8.7%	$307,956/>4.0%	$384,945/>5.0%