<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
      <url>
      <loc>https://www.tompkinsfinancial.com/</loc>
      <lastmod>2025-09-15T18:25:54.111Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/news</loc>
      <lastmod>2023-12-01T18:20:01.427Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/sitemap</loc>
      <lastmod>2023-12-01T18:20:05.007Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/privacy-policy</loc>
      <lastmod>2023-12-01T18:20:01.786Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/about-us/officers</loc>
      <lastmod>2026-03-17T18:47:00.786Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/corporate-mission</loc>
      <lastmod>2025-03-26T19:51:13.675Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/stock-information</loc>
      <lastmod>2023-12-01T18:20:04.425Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/about-us/directors</loc>
      <lastmod>2026-03-19T13:32:24.845Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/about-us/locations</loc>
      <lastmod>2025-12-17T13:55:10.736Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/about-us/news-feed</loc>
      <lastmod>2023-12-01T18:20:01.614Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/savings</loc>
      <lastmod>2023-12-01T18:20:03.909Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/tax1040</loc>
      <lastmod>2023-12-01T18:20:04.150Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/about-us/contact-us</loc>
      <lastmod>2023-12-01T18:20:01.855Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/hsa-goal</loc>
      <lastmod>2023-12-01T18:20:02.608Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/roth-ira</loc>
      <lastmod>2023-12-01T18:20:03.841Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/request-information</loc>
      <lastmod>2023-12-01T18:20:01.820Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/bi-weekly</loc>
      <lastmod>2023-12-01T18:20:01.958Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/cd-ladder</loc>
      <lastmod>2023-12-01T18:20:01.992Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/checkbook</loc>
      <lastmod>2023-12-01T18:20:02.062Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/emergency</loc>
      <lastmod>2023-12-01T18:20:02.472Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/net-worth</loc>
      <lastmod>2023-12-01T18:20:03.566Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/payoff-cc</loc>
      <lastmod>2023-12-01T18:20:03.635Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/financial-highlights</loc>
      <lastmod>2023-12-01T18:20:04.834Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/disability</loc>
      <lastmod>2023-12-01T18:20:02.438Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/line-taxes</loc>
      <lastmod>2023-12-01T18:20:02.780Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/spend-less</loc>
      <lastmod>2023-12-01T18:20:04.081Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/tax-ez1040</loc>
      <lastmod>2023-12-01T18:20:04.184Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/tax-margin</loc>
      <lastmod>2023-12-01T18:20:04.217Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/financial-calculators</loc>
      <lastmod>2023-12-01T18:20:01.889Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/products-and-services</loc>
      <lastmod>2024-09-13T13:09:53.095Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/auto-rebate</loc>
      <lastmod>2023-12-01T18:20:01.923Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/consolidate</loc>
      <lastmod>2023-12-01T18:20:02.266Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/credit-line</loc>
      <lastmod>2023-12-01T18:20:02.335Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/debt-amount</loc>
      <lastmod>2023-12-01T18:20:02.369Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/home-budget</loc>
      <lastmod>2023-12-01T18:20:02.711Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/hsa-savings</loc>
      <lastmod>2023-12-01T18:20:02.642Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/lunch-saver</loc>
      <lastmod>2023-12-01T18:20:03.153Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/millionaire</loc>
      <lastmod>2023-12-01T18:20:03.190Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/payoff-line</loc>
      <lastmod>2023-12-01T18:20:03.669Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/regular-ira</loc>
      <lastmod>2023-12-01T18:20:03.709Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/retire-401k</loc>
      <lastmod>2023-12-01T18:20:03.739Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/simple-loan</loc>
      <lastmod>2023-12-01T18:20:04.011Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/about-us/annual-reports</loc>
      <lastmod>2025-04-01T17:21:53.104Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/accessibility-statement</loc>
      <lastmod>2023-12-01T18:20:01.514Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/cert-deposit</loc>
      <lastmod>2023-12-01T18:20:02.027Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/compare-loan</loc>
      <lastmod>2023-12-01T18:20:02.130Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/complex-loan</loc>
      <lastmod>2023-12-01T18:20:02.163Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/mortgage-apr</loc>
      <lastmod>2023-12-01T18:20:03.258Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/cybersecurity-and-fraud</loc>
      <lastmod>2025-08-27T16:11:01.465Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/investor-relations/faqs</loc>
      <lastmod>2025-02-04T18:13:33.514Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/enhanced-loan</loc>
      <lastmod>2023-12-01T18:20:02.506Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/existing-loan</loc>
      <lastmod>2023-12-01T18:20:02.540Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/mortgage-loan</loc>
      <lastmod>2023-12-01T18:20:03.327Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/roth-transfer</loc>
      <lastmod>2023-12-01T18:20:03.875Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/should-i-refi</loc>
      <lastmod>2023-12-01T18:20:03.977Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/transparency-in-coverage</loc>
      <lastmod>2023-12-01T18:20:01.445Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/life-insurance</loc>
      <lastmod>2023-12-01T18:20:02.746Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/mortgage-taxes</loc>
      <lastmod>2023-12-01T18:20:03.532Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/about-us/corporate-profile</loc>
      <lastmod>2025-09-15T18:24:56.953Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/college-savings</loc>
      <lastmod>2023-12-01T18:20:02.095Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/mortgage-payoff</loc>
      <lastmod>2023-12-01T18:20:03.361Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/mortgage-points</loc>
      <lastmod>2023-12-01T18:20:03.396Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/payment-options</loc>
      <lastmod>2023-12-01T18:20:03.601Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/retirement-plan</loc>
      <lastmod>2023-12-01T18:20:03.772Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/social-security</loc>
      <lastmod>2023-12-01T18:20:04.046Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/compound-savings</loc>
      <lastmod>2023-12-01T18:20:02.232Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/debt-consolidate</loc>
      <lastmod>2023-12-01T18:20:02.404Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/hsa-contribution</loc>
      <lastmod>2023-12-01T18:20:02.575Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/mortgage-compare</loc>
      <lastmod>2023-12-01T18:20:03.292Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/reverse-mortgage</loc>
      <lastmod>2023-12-01T18:20:03.807Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/student-rolldown</loc>
      <lastmod>2023-12-01T18:20:04.116Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/compound-interest</loc>
      <lastmod>2023-12-01T18:20:02.199Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/credit-assessment</loc>
      <lastmod>2023-12-01T18:20:02.300Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/savings-variables</loc>
      <lastmod>2023-12-01T18:20:03.943Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/about-us/corporate-governance</loc>
      <lastmod>2025-09-02T17:10:53.150Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/hsa-vs-traditional</loc>
      <lastmod>2023-12-01T18:20:02.681Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/mortgage-qualifier</loc>
      <lastmod>2023-12-01T18:20:03.430Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/mortgage-refinance</loc>
      <lastmod>2023-12-01T18:20:03.464Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/mortgage-adjustable</loc>
      <lastmod>2023-12-01T18:20:03.224Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/calculator/mortgage-rent-vs-buy</loc>
      <lastmod>2023-12-01T18:20:03.498Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/corporate-social-responsibility</loc>
      <lastmod>2025-06-03T12:33:12.195Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/stock-information/stock-specialist</loc>
      <lastmod>2023-12-01T18:20:04.559Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/sec-filings-and-reports/sec-filings</loc>
      <lastmod>2023-12-01T18:20:04.732Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/stock-information/analyst-estimates</loc>
      <lastmod>2023-12-01T18:20:04.524Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/investor-relations/email-notification</loc>
      <lastmod>2023-12-01T18:20:04.664Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/stock-information/stock-purchase-plan</loc>
      <lastmod>2025-02-04T18:40:41.204Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/stock-information/splits-and-dividends</loc>
      <lastmod>2023-12-01T18:20:04.491Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/corporate-social-responsibility/products</loc>
      <lastmod>2023-12-01T18:20:05.076Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/corporate-social-responsibility/covid-19-response</loc>
      <lastmod>2023-12-01T18:20:05.108Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/corporate-social-responsibility/climate-initiatives</loc>
      <lastmod>2023-12-01T18:20:01.648Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/corporate-social-responsibility/community-engagement</loc>
      <lastmod>2023-12-01T18:20:01.545Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsfinancial.com/corporate-social-responsibility/human-resource-initiatives</loc>
      <lastmod>2025-03-28T00:17:35.847Z</lastmod>
      <changefreq>weekly</changefreq>
    </url>
    </urlset>