Tompkins Financial Balance Sheet Health
Financial Health criteria checks 5/6
Tompkins Financial has total assets of $8.0B and total equity of $721.3M. Total deposits are $6.6B, and total loans are $5.8B earning a Net Interest Margin of 2.8%. It has insufficient allowance for bad loans, which are currently at 1.1% of total loans. Cash and short-term investments are $137.1M.
Key information
11.1x
Asset to equity ratio
2.8%
Net interest margin
| Total deposits | US$6.58b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.1% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$137.13m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 8J0's Assets to Equity ratio (11.1x) is moderate.
Allowance for Bad Loans: 8J0 has a low allowance for bad loans (89%).
Low Risk Liabilities: 90% of 8J0's liabilities are made up of primarily low risk sources of funding.
Loan Level: 8J0 has an appropriate level of Loans to Assets ratio (73%).
Low Risk Deposits: 8J0's Loans to Deposits ratio (89%) is appropriate.
Level of Bad Loans: 8J0 has an appropriate level of bad loans (1.1%).