Tompkins Financial Corporation operates as a community-based financial services company that provides commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. The company operates through three segments: Banking, Insurance, and Wealth Management. It accepts various deposit products, including checking accounts, savings accounts, time deposits, IRA products, brokered time deposits, and municipal money market accounts. The company also offers various loans comprising loans for various business purposes, including real estate financing, construction, equipment financing, accounts receivable financing, and commercial leasing; residential real estate loans comprising home equity loans; commercial and industrial loans; commercial real estate loans; agriculturally-related loans; and consumer loans, such as personal installment loans, direct and indirect automobile financing, and overdraft lines of credit, as well as leasing services. It also provides letters of credit and sweep accounts; credit, debit, and purchasing cards; and deposit and cash management, Internet-based account, remote deposit, safe deposit, voice response, and mobile and Internet banking services, as well as ATMs. In addition, the company offers investment management, trust and estate, financial and tax planning, wealth management, and brokerage services; property and casualty, life, long-term care, and disability insurance services; employee benefits consulting services; and insurance planning services. It serves individuals, small business customers, corporations, and other business clients. The company operates through a network of 64 banking offices, including 44 offices in New York and 20 offices in Pennsylvania. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York.