Is Tompkins State Bank Safe?
Tompkins State Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (68/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.14% | 93/100 |
| Nonperforming Loan Ratio | 0.78% | 84/100 |
| Liquidity Ratio | 40.48% | 100/100 |
| Return on Assets | 1.19% | 68/100 |
| Total Assets | $0.3B | |
How does Tompkins State Bank compare?
With a Bank Health Score of 90/100, Tompkins State Bank sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, Tompkins State Bank ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 14.14% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.78% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Tompkins State Bank's Bank Health Score fell by 2.0 points to 90/100. Tier 1 capital strengthened by 0.38 percentage points to 14.14%. Quarter-over-quarter, the score rose by 1.0 points.
Tompkins State Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (68/100).