Tompkins Financial Presents 2026 Investor Presentation at KBW Summer Bank Conference

Conference Presentation and Regulatory Disclosure Framework

Tompkins Financial Corporation furnished materials presented at the KBW Summer Bank Conference on July 28, 2026, as a formal regulatory disclosure. The company submitted its 2026 investor presentation as Exhibit 99.1 to its disclosure document filed on the same date. This approach allows the company to provide comprehensive investor materials to the broader market while maintaining transparency with the Securities and Exchange Commission regarding materials presented to professional audiences.

The KBW Summer Bank Conference represents a significant venue for regional and community banking institutions to present strategic updates and financial performance to institutional investors, portfolio managers, and equity research analysts. By furnishing presentation materials through regulatory channels, Tompkins Financial ensured that all investors—whether in attendance at the conference or reviewing materials afterward—have access to the same information and presentation content delivered to professional market participants.

Timing and Market Context for Mid-Year Investor Update

The presentation was delivered and disclosed on July 28, 2026, positioning it as a mid-year investor update during the summer conference season. This timing typically allows companies to discuss performance through the second quarter, discuss industry trends, and provide forward-looking strategic perspectives to capital markets participants. The submission of these materials represents management's effort to maintain consistent communication with shareholders and the investment community during a period when many institutional investors review portfolio positions and evaluate sector opportunities.

Summer banking conferences serve as important platforms for smaller and mid-sized financial institutions to present without the formality and scale of larger investor days or annual conferences. Tompkins Financial's participation and formal disclosure of its presentation materials underscores the company's commitment to proactive investor relations and transparent communication with the financial markets.

Investor Presentation as Strategic Communication Tool

The 2026 investor presentation furnished by Tompkins Financial serves as a primary communication vehicle for conveying the company's strategic direction, operational performance, and market positioning to capital markets participants. Such presentations typically address key topics including financial results, strategic initiatives, competitive positioning within the banking sector, and management's perspective on market conditions and outlook. The formal disclosure of these materials ensures that the content reaches not only conference attendees but also the broader investment community.

By presenting at an industry conference and subsequently disclosing materials through regulatory channels, Tompkins Financial employed a dual-track approach to investor communication. This strategy allows the company to engage directly with professional investors in an interactive setting while also providing permanent, searchable disclosure records that individual investors and other market participants can access and review at their convenience.

Regulatory Treatment and Disclosure Status

The company emphasized that the information furnished in the disclosure document was not deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934. This classification means the materials do not trigger certain regulatory liabilities associated with formal regulatory filings, though they remain part of the public record. The distinction reflects a standard regulatory framework for furnishing investor presentations and other non-operational disclosures that provide transparency without creating the same legal obligations as filed financial statements or material updates.

The disclosure also noted that the submission did not constitute an admission as to the materiality of information contained in the presentation materials. This language reflects standard SEC practice regarding furnished disclosures and provides appropriate legal protection for the company while ensuring that investors have access to materials presented to institutional audiences.

Exhibit Documentation and Investor Access

Tompkins Financial designated its 2026 investor presentation as Exhibit 99.1 within its regulatory filing. This formal exhibit structure ensures that the presentation is properly indexed, searchable, and accessible through SEC EDGAR, the Securities and Exchange Commission's electronic filing database. Investors, analysts, and other market participants can locate and review the presentation through standard regulatory filing research tools, making the information readily available to stakeholders.

The company also included an interactive data file (Exhibit 104) as part of the submission. This technical requirement reflects modern regulatory filing standards that incorporate inline XBRL formatting, enabling better data accessibility and integration with financial research platforms. The dual-format approach—traditional presentation materials combined with structured data—reflects current regulatory expectations for comprehensive and accessible investor disclosures.

Company Background and Market Position

Tompkins Financial Corporation maintains headquarters in Ithaca, New York, and is incorporated in New York. The company trades on NYSE American, LLC under the ticker symbol TMP and maintains a common stock with a par value of $0.10 per share. The company's IRS Employer Identification Number is 16-1482357, and its SEC Commission File Number is 1-12709, indicating its status as a publicly reporting company registered with the Securities and Exchange Commission.

As a regional financial institution, Tompkins Financial participates actively in the banking sector conference circuit and maintains regular communication with institutional investors and market analysts. The company's presentation at the KBW Summer Bank Conference reflects its ongoing engagement with the investment community and its commitment to transparent, regular disclosure of strategic and financial information.

Conference Season Activity and Industry Participation

The KBW Summer Bank Conference serves as a prominent gathering for the banking and financial services sector, attracting regional banks, community banks, and other financial institutions seeking to present to institutional capital. Participation in such conferences has become standard practice for publicly traded banking companies seeking to maintain visibility with major institutional investors and maintain analyst coverage. Tompkins Financial's formal disclosure of its conference presentation materials underscores the importance such communications hold within the company's overall investor relations strategy.

Summer conference season typically occurs between June and September, with multiple banking-focused conferences held during this period. For regional and community banking institutions like Tompkins Financial, these venues provide cost-effective and efficient platforms for reaching concentrated audiences of banking sector specialists and investors. The disclosure of presentation materials through SEC channels extends the reach of these conference appearances beyond those physically in attendance.

Forward Communication and Investor Relations Practices

Tompkins Financial's approach of furnishing investor presentation materials through regulatory channels reflects best practices in investor relations for publicly traded companies. By maintaining formal SEC documentation of materials presented to institutional audiences, the company creates a complete and transparent record of investor communications while ensuring equal access to information across the investment community. This practice helps prevent information asymmetries that might otherwise favor conference attendees over other shareholders.

The company can be reached at its principal executive address located at 118 E. Seneca Street, PO Box 460, Ithaca, New York 14851, or by telephone at (888) 503-5753 for general corporate inquiries. The formal disclosure of conference presentation materials represents one component of Tompkins Financial's comprehensive investor communication program, which likely includes quarterly earnings releases, annual shareholder meetings, and regular earnings conference calls.

Regulatory Filing Signatory Authority

Matthew D. Tomazin, identified as Executive Vice President and Chief Financial Officer of Tompkins Financial Corporation, signed the disclosure document on July 28, 2026. The signature represents management's certification of the accuracy and completeness of the filing and affirms that the company properly followed Securities Exchange Act requirements in submitting the presentation materials to the SEC. The CFO's direct involvement in signing investor disclosure documents underscores management's responsibility for investor communications accuracy.

The presence of the CFO's signature on the filing reflects the importance financial leadership places on ensuring that materials presented to investors accurately represent the company's financial position, strategic direction, and operational performance. This practice creates clear accountability within the corporate structure for the accuracy and completeness of investor-facing disclosures.