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Tompkins Community Bank

IDRSSD: 433608
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q2QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #433608 2024-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.90% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -2
70
Sub-score

Liquidity is stable: brokered 0.4%, loans/deposits 90.3%, cash 0.9% of assets.

Cash / Assets
0.90%
Loans / Deposits
90.28%
Brokered %
0.36%

Watch Items

  • riskCash / Assets below 3% — Cash 0.90% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.39%
No watch items at this period.

Capitalization

StableQoQ -7
69
Sub-score

Capital position is stable: Tier 1 RBC 11.66%, CET1 11.66%, leverage 8.63%.

Tier 1 RBC
11.66%
CET1
11.66%
Leverage
8.63%
No watch items at this period.

Asset Quality

StrongQoQ 0
95
Sub-score

Asset quality is strong: Adjusted NPL 1.09%, Texas Ratio 8.5%, NCO YTD 0.04%.

Adjusted NPL
1.09%
Govt-guarantees stripped
Texas Ratio
8.5%
NCO YTD
0.04%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +2
46
Sub-score

Reserves are deteriorating: ALLL 0.92% of loans, coverage 84.9%, true coverage 80.2%.

ALLL / Loans
0.92%
Coverage
84.9%
True Loss Coverage
80.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 13:16:29 UTC