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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
INTEREST AND DIVIDEND INCOME    
Loans $ 78,630 $ 71,599
Due from banks 175 154
Available-for-sale debt securities 8,729 9,611
Held-to-maturity debt securities 1,217 1,218
Federal Home Loan Bank and other stock 711 601
Total Interest and Dividend Income 89,462 83,183
INTEREST EXPENSE    
Time certificates of deposits of $250,000 or more 4,507 4,010
Other deposits 22,143 20,424
Federal funds purchased and securities sold under agreements to repurchase 41 13
Other borrowings 6,109 8,061
Total Interest Expense 32,800 32,508
Net Interest Income 56,662 50,675
Less: Provision for credit loss expense 5,287 854
Net Interest Income After Provision for Credit Loss Expense 51,375 49,821
NONINTEREST INCOME    
Insurance commissions and fees 11,599 10,259
Wealth management fees 5,119 4,937
Service charges on deposit accounts 1,805 1,796
Card services income 2,626 2,939
Other income 3,869 2,220
Net gain (loss) on securities transactions 14 (14)
Total Noninterest Income 25,032 22,137
NONINTEREST EXPENSE    
Salaries and wages 24,977 24,697
Other employee benefits 7,100 6,411
Net occupancy expense of premises 3,570 3,557
Furniture and fixture expense 1,787 2,125
Amortization of intangible assets 84 76
Other operating expense 13,089 12,991
Total Noninterest Expenses 50,607 49,857
Income Before Income Tax Expense 25,800 22,101
Income Tax Expense 6,121 5,198
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation 19,679 16,903
Less: Net Income Attributable to Noncontrolling Interests 0 31
Net Income Attributable to Tompkins Financial Corporation $ 19,679 $ 16,872
Basic Earnings Per Share (in dollars per share) $ 1.38 $ 1.19
Diluted Earnings Per Share (in dollars per share) $ 1.37 $ 1.18