---
schema_version: "secwatch.filing_event.v1"
accession: "0001387131-22-007861"
form_type: "8-K"
ticker: "TMP"
cik: "0001005817"
company_name: "TOMPKINS FINANCIAL CORP"
filed_at: "2022-07-22T23:59:59+00:00"
generated_at: "2026-06-24T09:27:05.944771+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Tompkins Financial Q2 EPS $1.45, down 5.8% YoY; net income $20.9M, down 8.6%

## Summary
- Diluted EPS $1.45 vs $1.54 in Q2 2021; net income $20.9M down from $22.8M.
- Total loans $5.2B, up 7.8% annualized from Q1; net interest margin improved to 3.09% from 2.91% a year ago.
- Total revenue up 4.8% YoY; provision for credit losses was expense of $856K vs credit of $3.1M in Q2 2021.
- Board declared regular quarterly cash dividend of $0.57 per share, payable Aug 12, record Aug 2.

## SEC filing metadata
- accession: 0001387131-22-007861
- form_type: 8-K
- ticker: TMP
- cik: 0001005817
- company_name: TOMPKINS FINANCIAL CORP
- filed_at: 2022-07-22T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1005817/000138713122007861/0001387131-22-007861-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1005817/000138713122007861/tmp-8k_072222.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001387131-22-007861
- JSON: https://secwatch.observer/filing/0001387131-22-007861.json
- Plain text: https://secwatch.observer/filing/0001387131-22-007861.txt

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