Tompkins Financial Q1 EPS $1.37, up 16% YoY; declares $0.62 dividend

TOMPKINS FINANCIAL CORP

2025-Q1 EPS reported $1.37 revenue$21,506,000

Net income $19.7M, up 16.6% from Q1 2024; diluted EPS $1.37 vs $1.18 YoY.
Net interest margin improved to 2.98% from 2.73% YoY; net interest income up 11.8%.
Provision expense of $5.3M driven by $4.2M specific reserve on one CRE loan.
Loans up 0.8% QoQ to $6.1B; deposits up 4.4% QoQ to $6.8B; loan-to-deposit 89.8%.
Nonperforming assets 0.87% of total assets; regular dividend $0.62/sh payable May 16.

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