STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
646
2010–2026
Total Volume
$163M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
644 total segments
Tompkins Community Bank has a strong focus on existing businesses, with 56% of their deals serving this segment. This makes them a good fit for established businesses looking to expand or refinance.
With an average 7(a) spread of P+1.74%, Tompkins offers competitive pricing compared to the national median of P+2.75%. This could result in lower overall borrowing costs for your loan.
Despite their solid performance, Tompkins Community Bank has seen a significant decline in SBA lending, with a 44% drop in deal volume year-over-year. This trend may indicate a more cautious lending environment, which could affect approval chances.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 91 504 loans, which use fixed SBA debenture rates.
States where Tompkins Community Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
Transportation & Warehousing
Transportation & Warehousing
Wholesale Trade
Wholesale Trade
Other Repair & Services
Other Services
Management & IT Consulting
Professional Services
+ 7 more
All recorded SBA lending activity for Tompkins Community Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New York · Manufacturing · Under $150K | 7(a) | 44 | P+2.00% | $69K | Q1 2022 |
| New York · Restaurants & Food Service · Under $150K | 7(a) | 41 | P+1.75% | $63K | Q2 2024 |
| New York · Specialty Trade Contractors · Under $150K | 7(a) | 34 | P+2.00% | $51K | Q3 2025 |
| New York · Management & IT Consulting · Under $150K | 7(a) | 21 | P+2.00% | $66K | Q4 2022 |
| New York · Transportation & Warehousing · Under $150K | 7(a) | 21 | P+1.75% | $69K | Q4 2025 |
| New York · Other Repair & Services · Under $150K | 7(a) | 18 | P+1.88% | $49K | Q4 2024 |
| New York · Food & Beverage Stores · Under $150K | 7(a) | 17 | P+2.00% | $66K | Q3 2024 |
| New York · Agriculture & Forestry · Under $150K | 7(a) | 17 | P+2.00% | $62K | Q4 2025 |
| New York · Administrative & Waste Services · Under $150K | 7(a) | 16 | P+1.75% | $73K | Q3 2025 |
| New York · Restaurants & Food Service · $150K – $350K | 7(a) | 14 | P+0.50% | $245K | Q2 2025 |
| New York · Manufacturing · $150K – $350K | 7(a) | 14 | P+1.00% | $259K | Q2 2025 |
| New York · Retail Trade · Under $150K | 7(a) | 14 | P+2.00% | $71K | Q3 2024 |
| New York · Auto Repair & Maintenance · Under $150K | 7(a) | 13 | P+2.00% | $74K | Q3 2024 |
| New York · Building Construction · Under $150K | 7(a) | 12 | P+2.00% | $40K | Q1 2025 |
| New York · Wholesale Trade · $150K – $350K | 7(a) | 10 | P+1.25% | $261K | Q2 2020 |
| New York · General Merchandise · Under $150K | 7(a) | 10 | P+1.88% | $48K | Q3 2021 |
| New York · Real Estate · Under $150K | 7(a) | 10 | P+2.00% | $76K | Q1 2025 |
| New York · Personal Care (Salons, Spas) · Under $150K | 7(a) | 8 | P+2.00% | $74K | Q3 2020 |
| New York · Sporting Goods & Hobby · Under $150K | 7(a) | 8 | P+2.00% | $55K | Q1 2019 |
| New York · Physician & Dental Offices · Under $150K | 7(a) | 8 | P+2.00% | $82K | Q3 2019 |
| New York · Wholesale Trade · Under $150K | 7(a) | 8 | P+1.75% | $79K | Q2 2016 |
| New York · Education · Under $150K | 7(a) | 7 | P+2.00% | $51K | Q1 2024 |
| New York · Arts, Entertainment & Recreation · Under $150K | 7(a) | 7 | P+2.00% | $67K | Q1 2024 |
| New York · Engineering & Architecture · Under $150K | 7(a) | 7 | P+2.00% | $49K | Q1 2025 |
| New York · Heavy & Civil Engineering · Under $150K | 7(a) | 6 | P+1.75% | $76K | Q1 2021 |
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