
FORM 13F COVER PAGE 12-31-2025 Report for the Calendar Year or Quarter Ended: Amendment Number:is a restatement.adds new holdings entries. Check here if Amendment This Amendment (Check only one.): Institutional Investment Manager Filing this Report: TOMPKINS FINANCIAL CORP118 E. SENECA STREETPO BOX 460ITHACA,NY14850028-05097 Name:Address: Form 13F File Number:CRD Number (if applicable):SEC File Number (if applicable): The institutional investment manager filing this report and the person by whom it is signed hereby represent that theperson signing the report is authorized to submit it, that all information contained herein is true, correct andcomplete, and that it is understood that all required items, statements, schedules, lists, and tables, are consideredintegral parts of this form. Person Signing this Report on Behalf of Reporting Manager:Name:Lisa DonnellyTitle:Trust Operations ManagerPhone:607-274-7443 Signature, Place, and Date of Signing: /s/ Lisa Donnelly, Trust Operations ManagerIthaca,NY01-06-2026[Signature][City, State][Date] Report Type (Check only one.): X13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.)13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reportingmanager(s).)13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this reportand a portion are reported by other reporting manager(s).)Form 13F Summary Page Report Summary: Number of Other IncludedManagers: List of Other Included Managers: Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect towhich this report is filed, other than the manager filing this report.[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]NONE