Tompkins Financial Corporation reported net income of $23.7 million for the third quarter of 2025, an increase of $2.2 million or 10.3% from the previous quarter, and up $5.0 million or 27.0% compared to the third quarter of 2024. Net interest margin rose to 3.20% in the third quarter of 2025, up 12 basis points from the prior quarter and 41 basis points from the same period last year. For the nine months ended September 30, 2025, net income was $64.8 million, up $13.6 million or 26.6% from $51.2 million in the same period of 2024. Noninterest expense totaled $53.8 million in the third quarter of 2025, an increase of $4.0 million or 8.0% compared to the third quarter of 2024. Year-to-date noninterest expense was $156.1 million, up $6.4 million or 4.3% from the prior year period. The increases in expenses were attributed to higher personnel-related and other operating expenses, including investments in support of future growth.