---
schema_version: "secwatch.filing_event.v1"
accession: "0001005817-25-000008"
form_type: "8-K"
ticker: "TMP"
cik: "0001005817"
company_name: "TOMPKINS FINANCIAL CORP"
filed_at: "2025-04-25T23:59:59+00:00"
generated_at: "2026-05-23T05:35:59.142713+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001005817-25-000008
- form_type: 8-K
- ticker: TMP
- cik: 0001005817
- company_name: TOMPKINS FINANCIAL CORP
- filed_at: 2025-04-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1005817/000100581725000008/0001005817-25-000008-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1005817/000100581725000008/tmp-20250424.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001005817-25-000008
- JSON: https://secwatch.observer/filing/0001005817-25-000008.json
- Plain text: https://secwatch.observer/filing/0001005817-25-000008.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.