🏦Bank Scorer

TOMPKINS COMMUNITY BANK

ITHACA, NY · Supervised by FDIC

Est. 1934FDIC #609RSSD: FDIC-609
Part ofTOMPKINS FINANCIAL CORP→ View all charters
Satisfactory Down

Current rating · Exam: September 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.31%

Institution Profile

FDIC BankFind

Address

118 E Seneca St, ITHACA, NY

County

Tompkins County

Established

January 1, 1934

Total Assets

$8.7B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2023

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$8.7B

Total Deposits

$7.2B

Net Loans

$6.4B

Net Income

$29M

ROA

1.31%

ROE

14.33%

Risk-Based Capital

12.66%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate18.26%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

59

Branch Deposits

$6.8B

1-Year Change

-1

5-year net change: +45 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,79175.77%18.26%
20231,63976.88%16.29%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

11 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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