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flag Tompkins Financial Corp Q4 net income decreased 23.3% to $15.0 million, with a 22.8% drop in diluted EPS to $1.05.

flag Tompkins Financial Corp reported a 23.3% decline in Q4 net income to $15 million, and a 22.8% drop in diluted earnings per share to $1.05, due to higher costs. flag Despite the decline, the company's net interest margin expanded to 2.82%. flag Loan growth increased by 6.4% year-over-year, and total deposits decreased by 3.1%. flag Non-performing assets increased to 0.8%.

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