CONSOLIDATED STATEMENTS OF CONDITION - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
ASSETS
Cash and noninterest bearing balances due from banks	$ 53,635	$ 67,212
Interest bearing balances due from banks	80,763	12,330
Cash and Cash Equivalents	134,398	79,542
Available-for-sale debt securities, at fair value (amortized cost of $1,367,123 at December 31, 2024 and $1,548,482 at December 31, 2023)	1,231,532	1,416,650
Held-to-maturity debt securities, at amortized cost (fair value of $267,295 at December 31, 2024 and $267,455 at December 31, 2023)	312,462	312,401
Equity securities, at fair value	768	787
Total loans and leases, net of unearned income and deferred costs and fees	6,019,922	5,605,935
Less: Allowance for credit losses	56,496	51,584
Net Loans and Leases	5,963,426	5,554,351
Federal Home Loan Bank and other stock	42,255	33,719
Bank premises and equipment, net	76,627	79,687
Corporate owned life insurance	76,448	67,884
Goodwill	92,602	92,602
Other intangible assets, net	2,203	2,327
Accrued interest and other assets	176,359	179,799
Total Assets	8,109,080	7,819,749
Interest bearing:
Checking, savings and money market	3,558,946	3,484,878
Time	1,068,375	998,013
Noninterest bearing	1,844,484	1,916,956
Total Deposits	6,471,805	6,399,847
Federal funds purchased and securities sold under agreements to repurchase	37,036	50,996
Other borrowings	790,247	602,100
Other liabilities	96,548	96,872
Total Liabilities	7,395,636	7,149,815
Tompkins Financial Corporation shareholders' equity:
Common Stock - par value $.10 per share: Authorized 25,000,000 shares; Issued: 14,468,013 at December 31, 2024; and 14,441,830 at December 31, 2023	1,447	1,444
Additional paid-in capital	300,073	297,183
Retained earnings	537,157	501,510
Accumulated other comprehensive loss	(118,492)	(125,005)
Treasury stock, at cost – 131,497 shares at December 31, 2024, and 132,097 shares at December 31, 2023	(6,741)	(6,610)
Total Tompkins Financial Corporation Shareholders’ Equity	713,444	668,522
Noncontrolling interests	0	1,412
Total Equity	713,444	669,934
Total Liabilities and Equity	$ 8,109,080	$ 7,819,749