Tompkins Financial Corporation is a community-based financial holding company that provides banking, wealth management, and leasing services to individuals, small and mid-sized businesses, and municipal clients in New York and Pennsylvania. The company generates revenue primarily through net interest income from loans and deposits and noninterest income from wealth management fees, service charges, and card services. Its operations are structured around a banking segment encompassing commercial and consumer banking activities and a wealth management segment offering trust, financial planning, and investment management services.