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Tompkins Financial Corporation has established an automatic shelf registration on Form S-3 as a well-known seasoned issuer, allowing it to offer common and preferred stock from time to time in one or more offerings. The securities may be sold through underwriters, dealers, agents or directly, with specific terms, prices and distribution arrangements detailed in future prospectus supplements.
Net proceeds from any offerings are expected to be used for general corporate purposes, including investing in or extending credit to its banking subsidiary, holding-company investments, reducing or refinancing debt, possible acquisitions and stock repurchases. The company is authorized to issue 25,000,000 shares of common stock and 3,000,000 shares of preferred stock; as of July 23, 2026, 14,382,848 common shares were issued and outstanding and no preferred shares were outstanding. The disclosure emphasizes incorporated risk factors and extensive forward‑looking statement cautions.
Tompkins Financial Corporation posted a third consecutive quarter of record earnings. Second-quarter 2026 diluted EPS was $2.04, up 36.0% from a year earlier and 12.1% sequentially, as net income rose to $29.3 million. Net interest income increased to $74.0 million, up 23.0% year over year, with net interest margin expanding to 3.58%. For the first half of 2026, diluted EPS of $3.86 and net income of $55.4 million were up 34.5% and 34.6%, respectively.
Loans grew 6.9% from June 30, 2025, and deposits were $7.0 billion, up 4.7% year over year, while the average cost of funds was 1.68%. Noninterest income declined 41.7% to $13.1 million, primarily reflecting the prior sale of Tompkins Insurance Agencies, while noninterest expense fell 8.8% to $47.1 million. Asset quality metrics showed nonperforming assets at 0.60% of total assets and an allowance equal to 0.89% of loans, alongside higher Special Mention and Substandard balances. Regulatory Tier 1 capital to average assets was 10.69%, and available liquidity totaled $1.7 billion or 19.4% of assets. The board approved a higher quarterly cash dividend of $0.70 per share, 4.5% above the prior quarter and 13% above the dividend paid in the third quarter of 2025.
Tompkins Financial Corp, as an institutional investment manager, reported a Form 13F holdings report covering all of its reportable positions. The information table lists 720 securities positions with an aggregate value of $1,428,503,912. No other investment managers are included in this report.
Tompkins Financial Corp director Helen Eaton received a compensation award of 179.420 phantom stock units on common stock. The grant is classified as a derivative award acquisition, not an open-market purchase, at a reference price of $96.8400 per unit.
Each phantom stock unit is economically equivalent to one share of common stock and represents deferred stock compensation under the company’s Amended and Restated Retainer Plan for Eligible Directors. The units are held in a rabbi trust and will be distributed only upon events specified in the plan.
After this award, Eaton has 3,094.904 phantom stock units credited. She has no voting or investment power over the related shares before distribution, underscoring that this is a non-voting, deferred compensation arrangement rather than direct share ownership.
Lee Angela B reported acquisition or exercise transactions in this Form 4 filing.
Tompkins Financial Corp director Angela B. Lee received a grant of 219 shares of common stock at $95.92 per share. These shares were taken in lieu of cash retainers under the company’s retainer plan for eligible directors. After this award, she directly holds 1,994 common shares.
Coletti Janet M. reported acquisition or exercise transactions in this Form 4 filing.
Tompkins Financial Corp director Janet M. Coletti reported an award of 20.136 phantom stock units on Common Stock equivalent. These units were granted as deferred stock compensation under the Amended and Restated Retainer Plan for Eligible Directors.
Each phantom stock unit is the economic equivalent of one share of Tompkins Financial common stock, with a reference price of $96.84 per unit. Following this grant, Coletti has 774.381 phantom stock units credited. The units are held in a rabbi trust, and she has no voting or investment power over the related shares until distribution upon certain plan events.
Tompkins Financial Corp director Patricia A. Johnson increased her stake through stock-based fees rather than a market purchase. She acquired 189 shares of common stock at an indicated value of $95.92 per share under the company’s director retainer plan, in lieu of cash retainer fees. Following this grant, she directly holds a total of 6,967.637 shares of Tompkins Financial common stock.
Fessenden Daniel J. reported acquisition or exercise transactions in this Form 4 filing.
Tompkins Financial Corp director Daniel J. Fessenden increased his holdings through a share award. He received 130 shares of common stock at an indicated value of $95.92 per share, taken in lieu of a cash retainer under the company’s director retainer plan, bringing his direct ownership to 1,847.51 shares.
Davidson Heidi M reported acquisition or exercise transactions in this Form 4 filing.
Tompkins Financial Corp director Heidi M. Davidson received two grants of phantom stock as deferred compensation. On July 1, 2026, she was awarded 200.506 and 92.162 phantom stock units at a reference price of $96.84 per unit, for a total of 292.668 units. Each phantom stock unit is the economic equivalent of one share of common stock and is issued under the Amended and Restated Retainer Plan for Eligible Directors of Tompkins Financial Corporation and its Wholly-Owned Subsidiaries. These units are held in a rabbi trust and will be distributed only upon certain events specified in the plan; Davidson has no voting or investment power over the underlying shares before distribution. Following these awards, her reported phantom stock balance is 2,610.164 units.
Tompkins Financial Corp executive officer John E. Huhtala reported his existing ownership of the company’s common stock in a Form 3 insider filing. Huhtala, who serves as EVP and President of TCB CNY, holds 230 shares of Tompkins Financial common stock as a direct owner.