Tompkins Financial Corporation operates as a community-based financial services company in New York. The company offers deposit products, such as checking accounts, savings accounts, time deposits, IRA products, brokered time deposits, and municipal money market accounts. Its loan portfolio includes loans for various business purposes, such as 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. In addition, the company provides cash management services, standby letters of credit, sweep accounts, credit cards, purchasing cards, Internet-based account services, and remote deposit services; brokerage services, debit cards, and safe deposit services; trust and estate, investment and wealth management, financial and tax planning, and insurance planning services, as well as life, disability, and long-term care insurance products and services; and property and casualty insurance, and employee benefits consulting services. It operates approximately 46 banking offices. Tompkins Financial Corporation primarily serves individuals, corporations, and other business clients. The company was founded in 1836 and is headquartered in Ithaca, New York.