Tompkins Financial Corporation - Asset Resilience Ratio
Tompkins Financial Corporation (TMP) has an Asset Resilience Ratio of 10.10% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check TMP strategic assets to equity ratio to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (1998–2024)
This chart shows how Tompkins Financial Corporation's Asset Resilience Ratio has changed over time. See TMP equity financing ratio to measure how much of total assets are equity-financed.
Liquid Assets Composition Over Time
This chart breaks down Tompkins Financial Corporation's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see Tompkins Financial Corporation market cap and net worth.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $855.61 Million | 10.1% |
| Total Liquid Assets | $855.61 Million | 10.10% |
Asset Resilience Insights
- Moderate Liquidity: Tompkins Financial Corporation has 10.10% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
Tompkins Financial Corporation Industry Peers by Asset Resilience Ratio
Compare Tompkins Financial Corporation's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Standard Bank Group Ltd
JSE:SBK |
Banks - Regional | -9.21% |
|
Grupo Financiero Inbursa S.A.B. de C.V
MX:GFINBURO |
Banks - Regional | 2.07% |
|
Hua Xia Bank Co Ltd
SHG:600015 |
Banks - Regional | 4.86% |
|
International Bancshares Corporation
NASDAQ:IBOC |
Banks - Regional | 28.98% |
|
Judo Capital Holdings Ltd
AU:JDO |
Banks - Regional | 10.76% |
|
TF Bank AB
ST:TFBANK |
Banks - Regional | -0.15% |
|
Bank Tabungan Negara Persero
JK:BBTN |
Banks - Regional | -3.50% |
|
Mystate Ltd
AU:MYS |
Banks - Regional | 8.81% |
Annual Asset Resilience Ratio for Tompkins Financial Corporation (1998–2024)
The table below shows the annual Asset Resilience Ratio data for Tompkins Financial Corporation.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 15.19% | $1.23 Billion | $8.11 Billion | -2.93pp |
| 2023-12-31 | 18.12% | $1.42 Billion | $7.82 Billion | -2.68pp |
| 2022-12-31 | 20.79% | $1.59 Billion | $7.67 Billion | -5.35pp |
| 2021-12-31 | 26.14% | $2.04 Billion | $7.82 Billion | +4.80pp |
| 2020-12-31 | 21.35% | $1.63 Billion | $7.62 Billion | +2.04pp |
| 2019-12-31 | 19.31% | $1.30 Billion | $6.73 Billion | -0.41pp |
| 2018-12-31 | 19.72% | $1.33 Billion | $6.76 Billion | -1.23pp |
| 2017-12-31 | 20.95% | $1.39 Billion | $6.65 Billion | -1.97pp |
| 2016-12-31 | 22.92% | $1.43 Billion | $6.24 Billion | -1.43pp |
| 2015-12-31 | 24.35% | $1.39 Billion | $5.69 Billion | -2.26pp |
| 2014-12-31 | 26.61% | $1.40 Billion | $5.27 Billion | -0.47pp |
| 2013-12-31 | 27.08% | $1.35 Billion | $5.00 Billion | -1.72pp |
| 2012-12-31 | 28.80% | $1.39 Billion | $4.84 Billion | -4.83pp |
| 2011-12-31 | 33.63% | $1.14 Billion | $3.40 Billion | +1.74pp |
| 2010-12-31 | 31.89% | $1.04 Billion | $3.26 Billion | +2.43pp |
| 2009-12-31 | 29.45% | $928.77 Million | $3.15 Billion | +2.81pp |
| 2008-12-31 | 26.65% | $764.19 Million | $2.87 Billion | +26.51pp |
| 2007-12-31 | 0.13% | $3.15 Million | $2.36 Billion | -0.04pp |
| 2006-12-31 | 0.18% | $3.92 Million | $2.21 Billion | +0.02pp |
| 2005-12-31 | 0.16% | $3.36 Million | $2.11 Billion | +0.11pp |
| 2004-12-31 | 0.05% | $1.02 Million | $1.97 Billion | -0.44pp |
| 2003-12-31 | 0.49% | $9.22 Million | $1.86 Billion | -0.13pp |
| 2002-12-31 | 0.62% | $10.40 Million | $1.67 Billion | +0.61pp |
| 2001-12-31 | 0.01% | $171.00K | $1.42 Billion | -1.48pp |
| 2000-12-31 | 1.49% | $19.43 Million | $1.30 Billion | +1.60pp |
| 1998-12-31 | -0.11% | $-1.02 Million | $954.71 Million | -- |
About Tompkins Financial Corporation
Tompkins Financial Corporation, a financial holding company, provides commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. The company operates through three segments: Banking, Insurance, and Wealth Management. It accepts various deposit products, including checking and savings accounts, time deposits, and IRA… Read more