Exhibit 99.1

For more information contact:

Stephen S. Romaine, President & CEO

Francis M. Fetsko, CFO

Tompkins Financial Corporation 607.273.3210

For Immediate Release

Wednesday, April 21, 2010

Tompkins Financial Corporation reports increased first quarter earnings

ITHACA, NY – Tompkins Financial Corporation (TMP–NYSE Amex)

Tompkins Financial Corporation reported record net income of $8.4 million for the first quarter of 2010, an increase of 9.2% over the $7.7 million reported for the same period in 2009. Diluted earnings per share were $0.78 for the first quarter of 2010, an 8.3% increase over the $0.72 (adjusted for 10% stock dividend paid on February 15, 2010; refer to footnote1) reported for the first quarter of 2009.

Selected highlights for the first quarter included:

■ First quarter 2010 diluted earnings per share1 up 8.3% from same period in 2009; the company’s best first quarter ever.

■ Net interest income up 8.1% from the same quarter last year, representing the 12th consecutive quarter of increased net interest income;

■ First quarter Return on Equity of 13.68%. This is approximately unchanged from the 2009 full year Return on Equity, which ranked in top 15% of similar sized bank holding companies in the most recent Federal Reserve performance report2 ;

■ Total loans were $1.9 billion at March 31, 2010, up 4.2% from March 31, 2009;

■ Total deposits were $2.5 billion at quarter end, up 7.5% from the same period in 2009; and

■ Capital levels at March 31, 2010, remain well above the regulatory minimums to be considered well capitalized, and reflect improving trends.

Stephen S. Romaine, President and CEO stated, “We are extremely proud to report on these strong results for the first quarter of 2010. The $0.78 of earnings per share for the quarter represents our strongest first quarter ever. While we have not been immune to the challenges of the difficult economic environment, we are pleased that the commitment to our strategy and our values has proven to be a successful model, even in these challenging times and we remain committed to lending in support of economic growth in the communities we serve.”

Growth in average earning assets and deposits has contributed to the increase in net interest income in 2010. When comparing the first quarter of 2010 to the first quarter of 2009, average loans were up 4.7% and average deposits were up 10.3%. Net interest income of $27.9 million in the first quarter of 2010 was up 8.1% over the same period in 2009. Net interest margin has remained relatively stable over the last 12 months. The 3.95% margin reported for the first quarter of 2010 compares to 3.89% in the fourth quarter of 2009, and 3.97% in the first quarter of 2009.

The provision for loan and lease losses was $2.2 million in the first quarter of 2010, compared to $2.0 million in the first quarter of 2009, an increase of 7.2%. Growth in the loan portfolio, an increase in net charge-offs, higher nonperforming loans, and general economic conditions all contributed to the increased provision for loan and lease losses from the prior year. Annualized net charge-offs for the three months ended March 31, 2010, represented 0.25% of average loans and leases, which is unchanged from the most recent previous quarter, and is up from 0.16% for the three months ended March 31, 2009. The Company’s allowance for loan and lease losses totaled $25.4 million at March 31, 2010, which represented 1.34% of total loans. This allowance as a percentage of total loans has increased from 1.27% at year-end 2009, and 1.10% at March 31, 2009.

Mr. Romaine commented, “Although we have seen some deterioration in asset quality from the prior year, our levels of nonperforming assets remain significantly below national averages. Additionally, our loss experience has been much better than industry averages as evidenced by the Federal Reserve’s December 31, 2009 Bank Holding Company Performance Report, which indicates that our ratio of Net Losses to Average Loans for the calendar year ended December 31, 2009, was better than 97% of banks with total assets between $3 billion and $10 billion.”

Nonperforming assets represented 1.06% of total assets as of March 31, 2010, down slightly from 1.12% at December 31, 2009, and up from 0.54% at March 31, 2009. Approximately, 55% of the Company’s nonperforming loans were less than 30 days past due as of March 31, 2010. Mr. Romaine added, “We are encouraged by the relatively stable asset quality trends since the previous quarter, yet we remain diligent in monitoring the credit portfolio, as we recognize that many of our customers have been challenged by the prolonged economic downturn and any worsening of economic conditions may result in further stress on the portfolio.”

Noninterest income for the first quarter of 2010 was $11.3 million, which is up 3.5% from the same period in 2009. Investment services revenue, the largest category of noninterest income, was $3.7 million for the first quarter of 2010, an increase of 16.7% from the first quarter of 2009. Other significant fee income categories include insurance revenue of $3.2 million (up 1.5%); service charges on deposit accounts of $2.1 million (down 7.3%); and cards services income of $1.0 million (up 23.4%).

Noninterest expenses for the first quarter 2010 were $24.5 million, up 5.2% from the same period last year. The increase was largely in the compensation and benefits categories. Salary and wage expense was $10.3 million in the first quarter of 2010, an increase of 8.5% from first quarter of 2009. Pension and employee benefits expense was $3.9 million for the quarter ended March 31, 2010, up 15.5% from the quarter ended March 31, 2009. The increase in pension and employee benefits expense over prior year were driven by higher health insurance and pension costs.

Tompkins Financial Corporation operates 45 banking offices in the New York State markets served by the Company’s subsidiary banks - Tompkins Trust Company, The Bank of Castile, and Mahopac National Bank. Through its community banking subsidiaries, the Company provides traditional banking services, and offers a full range of money management services through Tompkins Investment Services (a division of Tompkins Trust Company). The Company offers insurance services through its Tompkins Insurance Agencies, Inc. subsidiary, an independent agency serving individuals and business clients throughout New York State. The Company offers fee-based financial planning and wealth management services through its AM&M Financial Services, Inc. subsidiary. AM&M Financial Services, Inc. is also the parent company to Ensemble Financial Services, Inc., an independent broker dealer and leading outsourcing company for financial planners and investment advisors. Each Tompkins subsidiary operates with a community focus, meeting the unique needs of the communities served.

“Safe Harbor” Statement under the Private Securities Litigation Reform of 1995:

This press release may include forward-looking statements with respect to revenue sources, growth, market risk, and corporate objectives. The Company assumes no duty, and specifically disclaims any obligation, to update forward-looking statements, and cautions that these statements are subject to numerous assumptions, risks, and uncertainties, all of which could change over time. Actual results could differ materially from forward-looking statements.

1 Weighted average shares and per share data in this press release have been retroactively adjusted to reflect a 10% stock dividend paid on February 15, 2010.

2 Federal Reserve peer ratio as of December 31, 2009, includes banks and bank holding companies with consolidated assets between $3 billion and $10 billion.

PART I - FINANCIAL INFORMATION

Item 1. Financial Statements

TOMPKINS FINANCIAL CORPORATION

CONDENSED CONSOLIDATED STATEMENTS OF CONDITION

(In thousands, except share and per share data) (Unaudited)	As of			As of
	03/31/2010			12/31/2009
ASSETS
Cash and noninterest bearing balances due from banks	$	44,881		$	43,686
Interest bearing balances due from banks		51,659			1,676
Federal funds sold		20,000			0
Money market funds		100			100
Cash and Cash Equivalents		116,640			45,462
Trading securities, at fair value		30,533			31,718
Available-for-sale securities, at fair value		952,330			928,770
Held-to-maturity securities, fair value of $45,205 at March 31, 2010, and $46,340 at December 31, 2009		43,438			44,825
Loans and leases, net of unearned income and deferred costs and fees		1,887,038			1,914,818
Less: Allowance for loan and lease losses		25,366			24,350
Net Loans and Leases		1,861,672			1,890,468
FHLB and FRB stock		19,407			20,041
Bank premises and equipment, net		46,423			46,650
Corporate owned life insurance		36,348			35,953
Goodwill		41,589			41,589
Other intangible assets, net		4,700			4,864
Accrued interest and other assets		53,683			62,920
Total Assets	$	3,206,763		$	3,153,260
LIABILITIES
Deposits:
Interest bearing:
Checking, savings and money market		1,256,943			1,183,145
Time		816,090			794,738
Noninterest bearing		439,168			461,981
Total Deposits		2,512,201			2,439,864
Federal funds purchased and securities sold under agreements to repurchase, including certain amounts at fair value of $5,546 at March 31, 2010, and $5,500 at December 31, 2009		181,255			192,784
Other borrowings, including certain amounts at fair value of $11,416 at March 31, 2010, and $11,334 at December 31, 2009		190,545			208,965
Trust preferred debentures		25,057			25,056
Other liabilities		43,261			41,583
Total Liabilities	$	2,952,319		$	2,908,252
EQUITY
Tompkins Financial Corporation shareholders’ equity:
Common Stock - par value $.10 per share: Authorized 25,000,000 shares; Issued and outstanding: 10,829,483 at March 31, 2010; and 9,785,265 at December 31, 2009		1,083			978
Additional paid-in capital		193,432			155,589
Retained earnings		62,100			92,402
Accumulated other comprehensive loss		(1,351	)		(3,087	)
Treasury stock, at cost – 87,159 shares at March 31, 2010, and 81,723 shares at December 31, 2009		(2,305	)		(2,326	)
Total Tompkins Financial Corporation Shareholders’ Equity		252,959			243,556
Noncontrolling interest		1,485			1,452
Total Equity	$	254,444		$	245,008
Total Liabilities and Equity	$	3,206,763		$	3,153,260

TOMPKINS FINANCIAL CORPORATION

CONDENSED CONSOLIDATED STATEMENTS OF INCOME

	Three Months Ended
(In thousands, except per share data) (Unaudited)	03/31/2010			03/31/2009
INTEREST AND DIVIDEND INCOME
Loans	$	26,618		$	26,678
Due from banks		12			8
Federal funds sold		4			5
Money market funds		0			18
Trading securities		309			362
Available-for-sale securities		9,000			8,648
Held-to-maturity securities		407			503
FHLB and FRB stock		284			29
Total Interest and Dividend Income		36,634			36,251
INTEREST EXPENSE
Time certificates of deposits of $100,000 or more		1,178			1,490
Other deposits		3,827			5,134
Federal funds purchased and repurchase agreements		1,425			1,565
Trust preferred debentures		367			53
Other borrowings		1,893			2,158
Total Interest Expense		8,690			10,400
Net Interest Income		27,944			25,851
Less: Provision for loan/lease losses		2,183			2,036
Net Interest Income After Provision for Loan/Lease Losses		25,761			23,815
NONINTEREST INCOME
Investment services income		3,738			3,202
Insurance commissions and fees		3,166			3,119
Service charges on deposit accounts		2,057			2,219
Card services income		975			790
Other service charges		593			442
Mark-to-market gain on trading securities		90			58
Mark-to-market (loss) gain on liabilities held at fair value		(128	)		256
Increase in cash surrender value of corporate owned life insurance		393			222
Net gain on sale of loans		192			401
Other income		126			217
Net gain on securities transactions		118			7
Total Noninterest Income		11,320			10,933
NONINTEREST EXPENSES
Salaries and wages		10,339			9,528
Pension and other employee benefits		3,911			3,387
Net occupancy expense of premises		1,881			2,019
Furniture and fixture expense		1,183			1,112
Marketing expense		1,052			851
Professional fees		816			880
Software licenses and maintenance		900			781
FDIC insurance		911			354
Cardholder expense		417			325
Amortization of intangible assets		202			249
Other operating expense		2,882			3,803
Total Noninterest Expenses		24,494			23,289
Income Before Income Tax Expense		12,587			11,459
Income Tax Expense		4,138			3,716
Net Income attributable to Noncontrolling Interests and Tompkins Financial Corporation		8,449			7,743
Less: Net income attributable to noncontrolling interests		33			33
Net Income Attributable to Tompkins Financial Corporation	$	8,416		$	7,710
Basic Earnings Per Share	$	0.78		$	0.72
Diluted Earnings Per Share	$	0.78		$	0.72

(1) Per share data has been retroactively adjusted to reflect 10% stock dividend paid on Feburary 15, 2010

Average Consolidated Balance Sheet and Net Interest Analysis

	Year to Date Period Ended March 31, 2010								Year to Date Period Ended March 31, 2009
(Dollar amounts in thousands)	Average Balance (YTD)		Interest			Average Yield/Rate			Average Balance (YTD)		Interest			Average Yield/Rate
ASSETS
Interest-earning assets
Interest-bearing balances due from banks	$	37,885	$	12			0.13	%	$	9,302	$	8			0.35	%
Money market funds Securities (1)		100		—			0.00	%		17,024		18			0.43	%
U.S. Government Securities		827,808		8,219			4.03	%		672,855		7,781			4.69	%
Trading Securities		31,279		309			4.01	%		37,506		362			3.91	%
State and municipal (2)		105,139		1,573			6.07	%		117,235		1,766			6.11	%
Other Securities (2)		18,563		224			4.89	%		21,068		282			5.43	%
Total securities		982,789		10,325			4.26	%		848,664		10,191			4.85	%
Federal Funds Sold		9,080		4			0.18	%		8,547		5			0.24	%
FHLB and FRB stock		19,633		284			5.87	%		20,658		29			0.57	%
Loans, net of unearned income (3)
Real Estate		1,327,849		18,840			5.75	%		1,261,159		18,930			6.09	%
Commercial Loans (2)		472,900		6,260			5.37	%		448,136		6,101			5.52	%
Consumer Loans		84,083		1,460			7.04	%		87,661		1,517			7.02	%
Direct Lease Financing		11,634		176			6.14	%		13,518		201			6.03	%
Total loans, net of unearned income		1,896,466		26,736			5.72	%		1,810,474		26,749			5.99	%
Total interest-earning assets		2,945,953		37,361			5.14	%		2,714,669		37,000			5.53	%
Other assets		227,111								204,477
Total assets	$	3,173,064							$	2,919,146
LIABILITIES & EQUITY
Deposits
Interest-bearing deposits
Interest bearing checking, savings, & money market		1,229,168		1,790			0.59	%		1,085,475		2,366			0.88	%
Time Dep > $100,000		335,260		1,178			1.42	%		276,391		1,490			2.18	%
Time Dep < $100,000		429,464		1,873			1.77	%		417,859		2,527			2.45	%
Brokered Time Dep < $100,000		37,242		164			1.79	%		42,688		241			2.29	%
Total interest-bearing deposits		2,031,134		5,005			1.00	%		1,822,413		6,624			1.47	%
Federal funds purchased & securities sold under agreements to repurchase		187,753		1,425			3.08	%		188,204		1,565			3.37	%
Other borrowings		199,202		1,893			3.85	%		225,176		2,158			3.89	%
Trust preferred debentures		25,056		367			5.94	%		3,890		53			5.53	%
Total interest-bearing liabilities		2,443,145		8,690			1.44	%		2,239,683		10,400			1.88	%
Noninterest bearing deposits		440,113								417,932
Accrued expenses and other liabilities		40,220								38,574
Total liabilities		2,923,478								2,696,189
Tompkins Financial Corporation Shareholders’ equity		248,119								221,490
Noncontrolling interest		1,467								1,467
Total equity		249,586								222,957
Total liabilities and equity	$	3,173,064							$	2,919,146
Interest rate spread							3.70	%							3.64	%
Net interest income/margin on earning assets				28,671			3.95	%				26,600			3.97	%
Tax Equivalent Adjustment				(727	)							(749	)
Net interest income per consolidated financial statements			$	27,944							$	25,851

(1)	Average balances and yields on available-for-sale securities are based on historical amortized cost.
(2)	Interest income includes the tax effects of taxable-equivalent adjustments using a combined New York State and Federal effective income tax rate of 40% to increase tax exempt interest income to taxable-equivalent basis.
(3)	Nonaccrual loans are included in the average asset totals presented above. Payments received on nonaccrual loans have been recognized as disclosed in Note 1 of the Company’s unaudited condensed consolidated financial statements included in Part I of this Report on Form 10-Q.

Tompkins Financial Corporation - Summary Financial Data (Unaudited)

(In thousands, except per share data)	Quarter-Ended										Year-Ended
	Mar-10		Dec-09		Sep-09		Jun-09		Mar-09		Dec-09
Period End Balance Sheet
Securities	$	1,026,301	$	1,005,313	$	908,765	$	903,559	$	970,349	$	1,005,313
Loans and leases, net of unearned income and deferred costs and fees		1,887,038		1,914,818		1,882,321		1,841,198		1,811,792		1,914,818
Allowance for loan and lease losses		25,366		24,350		22,800		21,319		19,980		24,350
Total assets		3,206,763		3,153,260		3,088,039		2,968,057		2,993,312		3,153,260
Total deposits		2,512,201		2,439,864		2,397,431		2,288,809		2,335,937		2,439,864
Federal funds purchased and securities sold under agreements to repurchase		181,255		192,784		192,099		189,993		182,744		192,784
Other borrowings		190,545		208,965		194,795		194,754		206,056		208,965
Trust preferred debentures		25,057		25,056		23,018		23,017		4,101		25,056
Total equity		254,444		245,008		241,647		229,308		227,385		245,008
Average Balance Sheet
Average earning assets	$	2,945,953	$	2,920,269	$	2,792,319	$	2,778,425	$	2,714,669	$	2,801,884
Average assets		3,173,064		3,132,599		2,999,961		2,982,077		2,919,146		3,009,007
Average interest-bearing liabilities		2,443,145		2,408,997		2,289,144		2,295,454		2,239,683		2,308,731
Average equity		249,586		245,176		233,535		230,117		222,957		233,009
Share data
Weighted average shares outstanding (basic) [1]		10,738,797		10,702,447		10,693,698		10,679,709		10,671,693		10,686,989
Weighted average shares outstanding (diluted) [1]		10,791,087		10,752,737		10,763,374		10,763,784		10,756,903		10,759,302
Period-end shares outstanding		10,829,483		9,739,719		9,722,834		9,720,440		9,699,828		9,739,719
Book value per share [1]		23.50		22.87		22.59		21.45		21.31		22.87
Income Statement
Net interest income	$	27,944	$	27,897	$	26,780	$	26,509	$	25,851	$	107,037
Provision for loan/lease losses		2,183		2,758		2,127		2,367		2,036		9,288
Noninterest income		11,320		12,142		11,600		11,538		10,933		46,213
Noninterest expense		24,494		24,931		23,723		24,674		23,289		96,617
Income tax expense		4,138		4,104		4,037		3,526		3,716		15,383
Net income attributable to Tompkins Financial Corporation		8,416		8,214		8,460		7,447		7,710		31,831
Noncontrolling interests		33		32		33		33		33		131
Basic earnings per share [1]	$	0.78	$	0.77	$	0.79	$	0.70	$	0.72	$	2.98
Diluted earnings per share [1]	$	0.78	$	0.76	$	0.79	$	0.69	$	0.72	$	2.96
Asset Quality
Net charge-offs		1,167		1,208		646		1,028		728		3,610
Nonaccrual loans and leases		29,521		31,289		25,837		24,662		15,478		31,289
Loans and leases 90 days past due and accruing		51		369		579		1,073		677		369
Troubled debt restructurings not included above		3,703		3,265		0		0		0		3,265
Total nonperforming loans and leases		33,275		34,923		26,416		25,735		16,155		34,923
OREO		558		299		440		68		103		299
Nonperforming assets		33,833		35,222		26,856		25,803		16,258		35,222

RATIO ANALYSIS	Quarter-Ended										Year-Ended
Credit Quality	Mar-10		Dec-09		Sep-09		Jun-09		Mar-09		Dec-09
Net loan and lease losses/ average loans and leases *	0.25	%	0.25	%	0.14	%	0.23	%	0.16	%	0.20	%
Nonperforming loans and leases/loans and leases	1.76	%	1.82	%	1.40	%	1.40	%	0.89	%	1.82	%
Nonperforming assets/assets	1.06	%	1.12	%	0.87	%	0.87	%	0.54	%	1.12	%
Allowance/nonperforming loans loans and leases	76.23	%	69.72	%	86.31	%	82.84	%	123.68	%	69.72	%
Allowance/loans and leases	1.34	%	1.27	%	1.21	%	1.16	%	1.10	%	1.27	%
Capital Adequacy (period-end)
Tier I capital / average assets	7.48	%	7.44	%	7.47	%	7.30	%	6.70	%	7.44	%
Total capital / risk-weighted assets	12.56	%	12.14	%	11.89	%	11.70	%	10.80	%	12.14	%
Profitability
Return on average assets *	1.08	%	1.04	%	1.12	%	1.00	%	1.07	%	1.06	%
Return on average equity *	13.68	%	13.29	%	14.37	%	12.98	%	14.02	%	13.66	%
Net interest margin (TE) *	3.95	%	3.89	%	3.91	%	3.93	%	3.97	%	3.92	%

* Quarterly ratios have been annualized

	Quarter-Ended										Year-Ended
Non-GAAP Disclosure	Mar-10		Dec-09		Sep-09		Jun-09		Mar-09		Dec-09
Reported net income	$	8,416	$	8,214	$	8,460	$	7,447	$	7,710	$	31,831
Adjustments:
FDIC special insurance assessment (after-tax)		0		0		0		822		0		822
Subtotal adjustments		0		0		0		822		0		822
Adjusted net income		8,416		8,214		8,460		8,269		7,710		32,653
Weighted average shares outstanding (diluted)1		10,791,087		10,752,737		10,760,912		10,763,794		10,756,903		10,759,302
Adjusted diluted earnings per share	$	0.78	$	0.76	$	0.79	$	0.77	$	0.72	$	3.03

[1] Weighted average shares and per share data in this press release have been retroactively adjusted to reflect a 10% stock dividend paid on February 15, 2010.