Tompkins Financial (TMP) 10-K 2019 FY Annual report

Exhibit 23

Consent of Independent Registered Public Accounting Firm

The Board of Directors

Tompkins Financial Corporation:

We consent to the incorporation by reference in the registration statements (No. 333‑231413, 333-212636, and 333‑229469) on Forms S‑8 and in the registration statements (No. 333‑219427 and 333‑226312) on Forms S‑3 of Tompkins Financial Corporation and subsidiaries (the “Company”) of our reports dated March 2, 2020 with respect to the consolidated statements of condition of the Company as of December 31, 2019 and 2018, the related consolidated statements of income, comprehensive income, cash flows, and changes in shareholders’ equity for each of the years in the three‑year period ended December 31, 2019, and the related notes (collectively, the “consolidated financial statements”), and the effectiveness of internal control over financial reporting as of December 31, 2019, which reports appear in the December 31, 2019 annual report on Form 10‑K of the Company.

/s/ KPMG LLP

Albany, New York

March 2, 2020