Applications / Mortgage Analytics / Lenders / New York / Tompkins Bank & Trust / Competition
Tompkins Bank & Trust
Ithaca, NY · State non-member bank · FDIC · $8.7 billion assets · 1,564 loans in 2025
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1,564
loans originated, 2025
2,097
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Who Tompkins Bank & Trust competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — BUFFALO-CHEEKTOWAGA, NY, 2025
Tompkins Bank & Trust ranks 12th of 267 lenders in Buffalo-Cheektowaga, NY, with $117.5M lent: 2.5% of a $4.74B market.
Buffalo-Cheektowaga, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Tompkins Bank & Trust in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 59% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — ITHACA, NY, 2025
Tompkins Bank & Trust ranks 1st of 102 lenders in Ithaca, NY, with $105.5M lent: 25.4% of a $415.5M market.
Ithaca, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Tompkins Bank & Trust in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 76% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NEW YORK-NEWARK-JERSEY CITY, NY-NJ, 2025
Tompkins Bank & Trust ranks 198th of 802 lenders in New York-Newark-Jersey City, NY-NJ, with $104.3M lent: 0.1% of a $144.59B market.
New York-Newark-Jersey City, NY-NJ is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Tompkins Bank & Trust in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO NEW YORK, 2025
Tompkins Bank & Trust ranks 12th of 377 lenders in non-metro New York, with $60.8M lent: 1.5% of a $3.97B market.
non-metro New York is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Tompkins Bank & Trust in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 37% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — READING, PA, 2025
Tompkins Bank & Trust ranks 10th of 365 lenders in Reading, PA, with $45.7M lent: 2.3% of a $2.00B market.
Reading, PA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Tompkins Bank & Trust in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — UTICA-ROME, NY, 2025
Tompkins Bank & Trust ranks 46th of 174 lenders in Utica-Rome, NY, with $2.3M lent: 0.3% of a $793.9M market.
Utica-Rome, NY is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Tompkins Bank & Trust in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 61% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — GLENS FALLS, NY, 2025
Tompkins Bank & Trust ranks 72nd of 145 lenders in Glens Falls, NY, with $770K lent: 0.1% of a $554.4M market.
Glens Falls, NY is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Tompkins Bank & Trust in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 56% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — BINGHAMTON, NY, 2025
Tompkins Bank & Trust ranks 4th of 180 lenders in Binghamton, NY, with $35.7M lent: 6.2% of a $573.8M market.
Binghamton, NY is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Tompkins Bank & Trust in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 59% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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