---
schema_version: "secwatch.filing_event.v1"
accession: "0001387131-21-007534"
form_type: "8-K"
ticker: "TMP"
cik: "0001005817"
company_name: "TOMPKINS FINANCIAL CORP"
filed_at: "2021-07-23T23:59:59+00:00"
generated_at: "2026-06-30T02:49:57.126985+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Tompkins Financial reports record Q2 EPS of $1.54, up 6.9% YoY

## Summary
- Net income $22.8M vs $21.4M YoY; record diluted EPS $1.54.
- Provision for credit losses was a $3.1M credit vs $877K expense in Q2 2020.
- Net interest margin narrowed to 2.91% from 3.45% YoY; net interest income $54.8M.
- Total deposits $6.8B, up 7.2%; nonperforming loans $53.8M, up $6.1M from Q1 2021.
- Board declared $0.54 quarterly dividend payable Aug 13, 2021; Q2 repurchased 80,004 shares for $6.5M.

## SEC filing metadata
- accession: 0001387131-21-007534
- form_type: 8-K
- ticker: TMP
- cik: 0001005817
- company_name: TOMPKINS FINANCIAL CORP
- filed_at: 2021-07-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1005817/000138713121007534/0001387131-21-007534-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1005817/000138713121007534/tmp-8k_072321.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001387131-21-007534
- JSON: https://secwatch.observer/filing/0001387131-21-007534.json
- Plain text: https://secwatch.observer/filing/0001387131-21-007534.txt

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