Tompkins Financial Corporation · AMEX:TMP
Tompkins Financial — KBW Summer Bank Conference 2026
24 slides from Tompkins Financial's conference presentation, Jul 28, 2026
Slide 1: KBW Summer Bank Conference July 28-29
Investor Presentation Date KBW Summer Bank Conference July 28-29
Slide 2: Safe Harbor
2 Safe Harbor This presentation contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. The statements contained in this presentation that are not statements of historical fact may include forward- looking statements that involve a number of
Slide 3: Tompkins Financial Corporation: Strength, Stability and Scale
Tompkins Financial Corporation (NYSE American: TMP) 190 Years of history 838 Employees (FTE’s) 82 consecutive years Profitable for at least 144 consecutive years Paid cash dividends for 36 consecutive years Increased cash dividends for Strength, Stability and Scale • Diversified revenue streams • Hi
Slide 4: One Tompkins
4 • Ranked among the largest community banks with capacity to serve businesses of all sizes. • Extensive resources including large credit capability, seasoned bankers, and digital and mobile infrastructure. • Personalized, local support with direct access to dedicated teams for commercial clients. •
Slide 5: Our History
Tompkins unty Bank was founded Our History Roots of ompkins Financial \dvisors founded Bank of found. Erest Townsend, Austin Hardie Insurance) a FINANCIAL Financial 2es holdin sompany - Tompkins Acquired ntodk Insurance ff Sleepy Hollo mpkins Agenci Bancorp Financial found Corporation Mahopac Bank w
Slide 6: Our Values, Mission and Vision
6 Our Values Mission Our Mission is to create long-term value for our clients, communities and shareholders by delivering integrated, personalized financial solutions. Vision Tompkins Financial will deliver best-in-class financial solutions and customer service excellence while being recognized as a
Slide 7: Tompkins Bank & Trust
54 Banking offices serving New York and Pennsylvania • Our size enables large credit capacity, seasoned commercial bankers and cash management experts, and investment in advanced digital and mobile infrastructure • Ability to serve clients of all sizes, including those with over $1 billion in revenu
Slide 8: Tompkins Financial Advisors
• Locations across central and western New York State, the Hudson Valley region of New York, southeastern Pennsylvania and Florida • Fee-based investment management and financial planning • Stable team of investment professionals with extensive industry experience and certifications • No proprietary
Slide 9: Culture of Sustainably Generating Top Performing Return on Equity
Culture of Sustainably Generating Top Performing Return on Equity 2017 TMP includes $14.9 million included a one-time non -cash write-down of net deferred tax assets related to the Tax Cut and Jobs Act of 2017. 2023 TMP includes $52.9 million loss on sale of $510.5 million of AFS debt securities. 20
Slide 10: Continued Healthy Loan Growth
• Last twelve months (“LTM”) overall loan growth of 6.9% vs. 6.1% 5-year CAGR (net of PPP) • Diversified growth through geography and segments $209 Commercial Real Estate “CRE” and Construction $184 Commercial and Industrial “C&I” $37 Residential Real Estate $(3) Consumer And Other 10 Continued Heal
Slide 11: Diversified Loan Portfolio
Loan composition as of 06/30/2026 11 Diversified Loan Portfolio Loan Portfolio Composition (Millions) $3,709,209 $1,191,135 $1,607,259 84,358 $8,903 Commercial real estate Commercial and industrial Residential real estate Consumer and other Leases $465.8 793.9 241.0 493.2 181.2 239.0 258.4 371.5 143
Slide 12: Disciplined Credit Culture
• Tompkins historical strong credit quality drives a low charge-off history • Tompkins 10-year average net charge-off rate 0.05%, and below national averages every year ** Source: All Commercial Banks – Board of Governors of the Federal Reserve System, non-seasonally adjusted, net of recoveries 12 D
Slide 13: Current Allowance
Current Allowance Allowance Loss Coverage1 (ACL Ratio/10-year Average Net Charge-Off Ratio) • Q1 2026 ACL/TL ratio of 0.90% compares to peers 1.17% • Q2 2026 Tompkins ACL/TL1 0.89% • Our historically strong credit contributes to our lower level of relative reserves 1 Q2 2026 reported loan loss reser
Slide 14: Core Deposit Strength
Core Deposit Strength • Strong core deposit base • Noninterest bearing deposits 27% of total deposits as of Q2 2026 • Focus on generating and retaining core non- time deposits, which made up 81.43% of total deposits at Q2 2026. • $7.0 billion of total deposits at Q2 2026, up 4.7% compared to prior y
Slide 15: Reliable Noninterest Income Sources
Reliable Noninterest Income Sources • Diversity and consistency in sources of noninterest income • Scalable lines of business with up market capability • Noninterest income components all with consistent growth trends • Excludes Tompkins Insurance Agency which was sold in 4Q25 15 In m ill io ns Fee
Slide 16: Disciplined Culture of Expense Management
Disciplined Culture of Expense Management • Prior YTD included $15.0 million in expenses related to TIA. • Continued focus on investments for sustained growth. 2.7% 5 Year CAGR Full year 2025 * expenses up YTD expenses down (in millions) 16 In t h o u sa n d s Noninterest expense 2021 2022 2023 2024
Slide 17: Strong Liquidity Providing Relative Balance Sheet Strength
11.1% On balance sheet liquidity to total assets of 93.9% Loan to deposit ratio of 19.4% Reliable funding ratio* of 5.2% Borrowings to assets of *Reliable funding made up of cash, unencumbered securities, unencumbered FHLB and FRB capacities divided by total assets 17 Current Liquidity Position (Val
Slide 18: Improved Interest Rate Risk Profile / Net Interest Margin
18 M ar gi n % Net Interest Margin TMP Margin TMP Proxy Peer Margin * Q 2 20 22 Q 3 20 22 Q 4 20 22 Q 1 20 23 Q 2 20 23 Q 3 20 23 Q 4 20 23 Q 1 20 24 Q 2 20 24 Q 3 20 24 Q 4 20 24 Q 1 20 25 Q 2 20 25 Q 3 20 25 Q 4 20 25 Q 1 20 26 Q 2 20 26 2.60 2.80 3.00 3.20 3.40 3.60 3.80 *TMP Proxy Peer - source
Slide 19: Strong Capital Position
* TMP Proxy Peer Source: S&P 19 Capital Trends 13.53% 14.39% 14.23% 14.42% 13.36% 13.07% 14.56% 14.89% 8.51% 8.24% 8.19% 6.89% 7.44% 7.70% 10.07% 10.16% 13.68% 14.88% 14.64% 14.45% 14.33% 14.38% 14.47% TMP Total Risk Based Capital PCA TRBC Well-Capitalized % plus Capital Conservation Buffer TMP Tang
Slide 20: Remaining Well Positioned
20 Remaining Well Positioned • Long history of success from relationship-focused, disciplined commercial banking culture • Corporate structure designed for diversified geographic growth • Local decentralized decision making to support a relationship-based full-service banking model • Banking model w
Slide 21: Consolidated Statements of Condition and Income, Q2 26 vs Q1 26
TOMPKINS FINANCIAL CORPORATION CONSOLIDATED STATEMENTS OF CONDITION (In thousands) (Unaudited) Q2 26 Q1 26 Variance Cash & Cash Equivalents 147,765 171,449 (23,684) Investment Securities 1,706,414 1,702,250 4,164 Loans & Leases Net of Unearned Income & Deferred Costs and Fees 6,597,178 6,477,943 119
Slide 22: Financial Highlights Comparative: Current Quarter vs Prior Year
Financial Highlights Comparative Current quarter vs same quarter prior year TOMPKINS FINANCIAL CORPORATION CONSOLIDATED STATEMENTS OF CONDITION (In thousands) (Unaudited) Q2 26 Q2 25 Variance Cash & Cash Equivalents 147,765 212,551 (64,786) Investment Securities 1,706,414 1,588,647 117,767 Loans & L
Slide 23: Consolidated Statements of Income - 6 months
TOMPKINS FINANCIAL CORPORATION CONSOLIDATED STATEMENTS OF INCOME- 6 months (In thousands, except per share data) (Unaudited) YTD 06/30/2026 YTD 06/30/2025 Fav (Unfav) Variance Interest Income 208,610 183,108 25,502 Interest Expense 62,766 66,316 3,550 Net Interest Income 145,844 116,792 29,052 Less:
Slide 24: Appendix: TMP Proxy Peer Banks
Appendix TMP Proxy Peer Banks 24 Tompkins Financial Corporation (NYSEAM:TMP) Berkshire Hills Bancorp, Inc. (NYSE:BHLB) Brookline Bancorp, Inc. (NASDAQGM:BRKL) Cambridge Bancorp (NASDAQGS:CATC) Camden National Corporation (NASDAQGS:CAC) City Holding Company (NASDAQGS:CHCO) CNB Financial Corporation (