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Segment and Related Information
 12 Months Ended
Dec. 31, 2020
Segment Reporting [Abstract]  
Segment and Related Information Segment and Related Information
 
The Company manages its operations through three reportable business segments in accordance with the standards set forth in FASB ASC 280, “Segment Reporting”: (i) banking and financial services (“Banking”), (ii) insurance services (“Tompkins Insurance Agencies, Inc.”) and (iii) wealth management (“Tompkins Financial Advisors”). The Company’s insurance services and wealth management services are managed separately from the Banking segment.
 
Banking
The banking segment is primarily comprised of the Company's four banking subsidiaries: Tompkins Trust Company, a commercial bank with 14 banking offices operated in Ithaca, NY and surrounding communities; The Bank of Castile (DBA Tompkins Bank of Castile), a commercial bank with 16 banking offices located in the Genesee Valley region of New York State as well as Monroe County; Mahopac Bank (DBA Tompkins Mahopac Bank), a commercial bank with 14 full-service banking offices located in the counties north of New York City; and VIST Bank (DBA Tompkins VIST Bank), a banking organization with 20 banking offices headquartered and operating in Southeastern Pennsylvania.
 
Banking services consist primarily of attracting deposits from the areas served by the Company’s banking subsidiaries and using those deposits to originate a variety of commercial loans, agricultural loans, consumer loans, real estate loans and leases in those same areas. The Company’s subsidiary banks provide a variety of retail banking services including checking accounts, savings accounts, time deposits, IRA products, residential mortgage loans, personal loans, home equity loans, credit cards, debit cards and safe deposit services delivered through its branch facilities, ATMs, voice response, mobile banking, Internet banking and remote deposit services. The Company’s subsidiary banks also provide a variety of commercial banking services such as lending activities for a variety of business purposes, including real estate financing, construction, equipment financing, accounts receivable financing and commercial leasing. Other commercial services include deposit and cash management services, letters
of credit, sweep accounts, credit cards, Internet-based account services, mobile banking and remote deposit services. The banking subsidiaries do not engage in sub-prime lending.
 
Insurance
The Company provides property and casualty insurance services and employee benefits consulting through Tompkins Insurance Agencies, Inc., a wholly-owned subsidiary of the Company, headquartered in Batavia, New York. Tompkins Insurance is an independent insurance agency, representing many major insurance carriers. Tompkins Insurance provides employee benefit consulting to employers in Western and Central New York and Southeastern Pennsylvania, assisting them with their medical, group life insurance and group disability insurance. Through the 2012 acquisition of VIST Financial, Tompkins Insurance expanded its operations with the addition of VIST Insurance, a full service agency offering a similar array of insurance products as Tompkins Insurance in southeastern Pennsylvania. Tompkins Insurance offers services to customers of the Company’s banking subsidiaries by sharing offices with The Bank of Castile, Tompkins Trust Company and VIST Bank. In addition to these shared offices, Tompkins Insurance has five stand-alone offices in Western New York.
 
Wealth Management
The wealth management segment is generally organized under the Tompkins Financial Advisors brand. Tompkins Financial Advisors offers a comprehensive suite of financial services to customers, including trust and estate services, investment management and financial and insurance planning for individuals, corporate executives, small business owners and high net worth individuals. Tompkins Financial Advisors has offices in each of the Company’s four subsidiary banks.
 
Summarized financial information concerning the Company’s reportable segments and the reconciliation to the Company’s consolidated results is shown in the following table. Investment in subsidiaries is netted out of the presentations below. The “Intercompany” column identifies the intercompany activities of revenues, expenses and other assets between the banking and financial services segments. The Company accounts for intercompany fees and services at an estimated fair value according to regulatory requirements for the services provided. Intercompany items relate primarily to the use of human resources, information systems, accounting and marketing services provided by any of the banks and the holding company. All other accounting policies are the same as those described in Note 1 “Summary of Significant Accounting Policies” in this Report.
 
 As of and for the year ended December 31, 2020
(In thousands)BankingInsuranceWealth ManagementIntercompanyConsolidated
Interest income$254,330 $4 $0 $(4)$254,330 
Interest expense28,995 0 0 (4)28,991 
Net interest income225,335 4 0 0 225,339 
Provision for credit loss expense16,151 0 0 0 16,151 
Noninterest income26,015 31,930 18,131 (2,216)73,860 
Noninterest expense148,742 25,941 12,915 (2,216)185,382 
Income before income tax expense86,457 5,993 5,216 0 97,666 
Income tax expense17,033 1,625 1,266 0 19,924 
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation69,424 4,368 3,950 0 77,742 
Less: Net income attributable to noncontrolling interests154 0 0 0 154 
Net Income attributable to Tompkins Financial Corporation$69,270 $4,368 $3,950 $0 $77,588 
Depreciation and amortization$9,912 $229 $51 $0 $10,192 
Assets7,564,342 41,812 28,616 (12,599)7,622,171 
Goodwill64,370 19,866 8,211 0 92,447 
Other intangibles, net2,418 2,398 89 0 4,905 
Net loans and leases5,208,658 0 0 0 5,208,658 
Deposits6,449,289 0 0 (11,537)6,437,752 
Total equity660,334 31,455 25,900 0 717,689 
 As of and for the year ended December 31, 2019
(In thousands)BankingInsuranceWealth ManagementIntercompanyConsolidated
Interest income$261,378 $3 $0 $(3)$261,378 
Interest expense50,753 0 0 (3)50,750 
Net interest income210,625 3 0 0 210,628 
Provision for loan and lease losses1,366 0 0 0 1,366 
Noninterest income29,054 31,501 17,001 (2,123)75,433 
Noninterest expense145,102 25,908 12,947 (2,123)181,834 
Income before income tax expense93,211 5,596 4,054 0 102,861 
Income tax expense18,598 1,426 992 0 21,016 
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation74,613 4,170 3,062 0 81,845 
Less: Net income attributable to noncontrolling interests127 0 0 0 127 
Net Income attributable to Tompkins Financial Corporation$74,486 $4,170 $3,062 $0 $81,718 
Depreciation and amortization$9,778 $225 $41 $0 $10,044 
Assets6,671,409 41,841 24,313 (11,940)6,725,623 
Goodwill64,370 19,866 8,211 0 92,447 
Other intangibles, net3,215 2,860 148 0 6,223 
Net loans and leases4,877,658 0 0 0 4,877,658 
Deposits5,223,893 0 0 (10,972)5,212,921 
Total equity608,901 32,204 21,949 0 663,054 
 As of and for the year ended December 31, 2018
(In thousands)BankingInsuranceWealth ManagementIntercompanyConsolidated
Interest income$251,592 $3 $0 $(3)$251,592 
Interest expense39,795 0 0 (3)39,792 
Net interest income211,797 3 0 0 211,800 
Provision for loan and lease losses3,942 0 0 0 3,942 
Noninterest income31,738 29,760 17,997 (2,046)77,449 
Noninterest expense145,070 25,427 12,616 (2,046)181,067 
Income before income tax expense94,523 4,336 5,381 0 104,240 
Income tax expense19,486 1,092 1,227 0 21,805 
Net Income attributable to noncontrolling interests and Tompkins Financial Corporation75,037 3,244 4,154 0 82,435 
Less: Net income attributable to noncontrolling interests127 0 0 0 127 
Net Income attributable to Tompkins Financial Corporation$74,910 $3,244 $4,154 $0 $82,308 
Depreciation and amortization9,194 230 130 0 $9,554 
Assets6,707,625 42,088 21,365 (12,642)6,758,436 
Goodwill64,370 19,702 8,211 0 92,283 
Other intangibles, net4,224 3,192 212 0 7,628 
Net loans and leases4,790,529 0 0 0 4,790,529 
Deposits4,900,464 0 0 (11,505)4,888,959 
Total equity568,98832,99618,8870620,871
Segment and Related Information Unaudited Quarterly Financial DataThe Company has adopted certain provisions within the amendments to Regulation S-K that eliminate tabular presentation of unaudited quarterly financial information. There have been no material retrospective changes to financial statements for any of the quarters within the fiscal years ended December 31, 2020 and December 31, 2019.