---
schema_version: "secwatch.filing_event.v1"
accession: "0001005817-26-000087"
form_type: "8-K"
ticker: "TMP"
cik: "0001005817"
company_name: "TOMPKINS FINANCIAL CORP"
filed_at: "2026-07-24T13:02:02+00:00"
generated_at: "2026-07-24T13:03:08.957539+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Tompkins Financial Q2 2026 EPS $2.04, up 36% YoY; dividend raised to $0.70

## Summary
- Diluted EPS $2.04, net income $29.3M, up 36.5% YoY; record third consecutive quarter.
- Net interest margin 3.58%, up 50 bps YoY; loans +6.9% YoY, deposits +4.7% YoY.
- Noninterest income down 41.7% due to sale of insurance subsidiary; noninterest expense down 8.8%.
- Dividend increased to $0.70/share, +4.5% from prior quarter; payable Aug 14, record Aug 7.
- Capital ratios improved; Tier 1 capital to avg assets 10.69% vs 9.36% a year ago.

## SEC filing metadata
- accession: 0001005817-26-000087
- form_type: 8-K
- ticker: TMP
- cik: 0001005817
- company_name: TOMPKINS FINANCIAL CORP
- filed_at: 2026-07-24T13:02:02+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1005817/000100581726000087/0001005817-26-000087-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1005817/000100581726000087/tmp-20260723.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001005817-26-000087
- JSON: https://secwatch.observer/filing/0001005817-26-000087.json
- Plain text: https://secwatch.observer/filing/0001005817-26-000087.txt

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