Risk factors
Tompkins Financial (TMP) risk factors
Item 1A of every Tompkins Financial Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors26 risks3 new4 dropped6 reworded
Banking-industry instability now emphasizes rapid deposit outflows, social-media rumors, market volatility, and potentially higher regulation or FDIC assessments.
Filed Feb 26, 2026 - FY2024 10-K risk factors27 risks
Tompkins Financial faces concentrated exposure in commercial real estate and $327.6 million in agricultural loans.
Filed Feb 28, 2025