Tompkins Financial Corporation Asset Resilience Ratio

Latest as of September 2025: 10.10%

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. See TMP days of operational coverage to measure how many days the company can operate on defensive assets alone.

Liquid Assets

$855.61 Million

Cash + Short-term Investments

Total Assets

$8.47 Billion

All company assets

Resilience Assessment

Moderate

Financial Resilience Level

Asset Resilience Ratio of Tompkins Financial Corporation (1998–2024)

Asset resilience ratio of Tompkins Financial Corporation from 1998 to 2024. This chart shows how Tompkins Financial Corporation's Asset Resilience Ratio has changed over time. Read TMP total liabilities for a breakdown of total debt and financial obligations.

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 the complete balance sheet picture, see TMP total asset value.

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
Societe Generale S.A. PA:GLE	Banks - Regional	11.25%
Itau Unibanco Banco Holding SA NYSE:ITUB	Banks - Regional	3.55%
Spar Nord Bank CO:SPNO	Banks - Regional	-3.96%
Bank of Guiyang Co Ltd SHG:601997	Banks - Regional	-0.78%
Qingdao Rural Commercial Bank Corp Class A SHE:002958	Banks - Regional	-13.48%
Bank Ina Perdana PT JK:BINA	Banks - Regional	-30.89%
Bank Rakyat Indonesia Agroniaga JK:AGRO	Banks - Regional	8.38%
Bank Agris Tbk JK:AGRS	Banks - Regional	1.98%

Tompkins Financial Corporation Asset Resilience Ratio by Year (1998–2024)

Tompkins Financial Corporation asset resilience ratio by year from 1998 to 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	--

pp = percentage points

About Tompkins Financial Corporation

NYSE MKT:TMP USA Banks - Regional

Market Cap

$1.24 Billion

Market Cap Rank

#8348 Global

#2460 in USA

Share Price

$85.80

Change (1 day)

-0.37%

52-Week Range

$64.50 - $86.12

All Time High

$86.12