Tompkins Community Bank

Overview / Commentary
118 E. Seneca Street
Ithaca, NY 14850

Tompkins Community Bank is headquartered in ITHACA and is the 16th largest bank in the state of New York. It is also the 197th largest bank in the nation. It was established in 1934 and as of March of 2024, it had grown to 802 employees at 62 locations. Tompkins Community Bank has a B health rating.

Reviews (4)

My Experience Banking With Tompkins County Trust Bank

When I lived in Ithaca, New York from 1993 to 2013, Tompkins County Trust was one of the popular local banks in the area. I'm not sure what year it was, but I opened up my first bank account with this bank when I was in High School (probably a freshman). I had a savings and a checking account. At the time I also had a credit card, and made my credit card payments through this bank. Basically, my experience with them was always positive. This was a bank that works very well with it's customers. I never once had a problem depositing or withdrawing money, and they fees very very minimal. Since I lived in this area where the bank is headquartered there were multiple branches and ATMs for me to use. As I banked there for many years, and visited many different branches, some of the tellers remembered me and treated me with a personal touch. Occasionally, I can remember a few times where I had forgotten my wallet, but was still able to cash a check without my ID because the teller knew me that well and had no problem extending their help in that situation. Additionally, I will also mention a time where I was on vacation and my credit card was stolen. When I called in to report the stolen card, the thief had already been able to spend upwards of 1000 dollars on it fraudulently. This was in fact a big hassle, and I was stressed out a lot, but the bank assured me that if fraud did in fact take place that I was protected and that they would help me get my money back. When I got back from vacation I worked with the bank to identify the fraudulent charges, and the money was returned in a very timely fashion and I was not bothered about the incident any further. I was very grateful for this kind of efficient service. I continued banking in this bank up until I moved from New York to California, and if I for some reason I ever ended up living in Ithaca, NY again, I would make sure to open up an account again.

Tompkins County Trust Credit Union

Posted by: |

Overall a good place to do your local banking. They work well with what you have and try to get you the best avenues with ease. Opening an account was simple and worked fine without much hassle. Their customer service was great and always open with helping all people. Their online banking could be improved a little bit, but it is not too bad in comparison to other places. Overall a great place to go keep your savings.

Could Be Better

Posted by: |

They get the job done and are generally friendly, but they charge you monthly depending on how poor you are and if you work abroad you may have issues depositing money. You also have to go in person to get a new card, so if you're not in Tompkins county, you're out of luck. Notary is available. I'm mainly salty about the service charge.

It Is 1945 At Tompkins Trust

Every time I have dealt with this bank as an account holder I feel like I am walking back in time. The do everything like its 1945. I have many bank accounts with many different institutions and it is by far the worst bank I could ever imagine working with. Stay away from these backward ass bankers just waiting to take your money from you.


Health Grade Components

FDIC Certificate #609
Year Established1934
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.87%
Return on Equity - YTD11.08%
Annual Interest Income$83.2MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$7.73B$7.61B
LoansQ1 2024vs Q1 2023$5.59B$5.23B
DepositsQ1 2024vs Q1 2023$6.48B$6.56B
Equity CapitalQ1 2024vs Q1 2023$604.8MM$571.4MM
Loan Loss AllowanceQ1 2024vs Q1 2023$51.7MM$46.1MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$62.6MM$28.4MM
Real Estate OwnedQ1 2024vs Q1 2023$0$36K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Tompkins Community Bank Savings Account Rates

0.75%*$150k*-True Advantage Savings
OTHER TIERS: 0.02% $0 - $50k | 0.50% $50k - $150k
0.10%$1k-Variable Rate IRA
0.01%$0-Welcome Savings
0.01%$0-Starter Savings

Tompkins Community Bank Checking Account Rates

0.02%*$25k*-True Advantage Checking Plus Account
OTHER TIERS: 0.01% $0 - $25k
0.01%$0-Direct Checking with Interest

Tompkins Community Bank CD Rates

4.30%$1k-5 Month CD
3.80%$1k-14 Month CD Special
3.00%$1k-6 Month CD
2.90%$1k-3 Year Bump Up CD
1.00%$1k-36 Month CD
0.30%$1k-60 Month CD
0.25%$1k-48 Month CD
0.15%$1k-24 Month CD
0.10%$1k-18 Month CD
0.05%$1k-12 Month CD
0.03%$1k-1 Month CD
0.03%$1k-2 Month CD
0.03%$1k-9 Month CD
0.03%$1k-3 Month CD

Tompkins Community Bank IRA Rates

3.80%$1k-14 Month IRA Special
1.00%$1k-36 Month IRA
0.30%$1k-60 Month IRA
0.25%$1k-48 Month IRA
0.15%$1k-24 Month IRA
0.10%$1k-18 Month IRA
0.05%$1k-12 Month IRA


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