FINANCIAL INSTITUTIONS INC
Financial Institutions, Inc. (Nasdaq: FISI) operates as a financial holding company providing comprehensive banking and wealth management services across Western and Central New York, with selective expansion into the Mid-Atlantic region and Capital District. The company traces its banking heritage to the National… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What FINANCIAL INSTITUTIONS INC does
In the company’s own words
Financial Institutions, Inc. (Nasdaq: FISI) operates as a financial holding company providing comprehensive banking and wealth management services across Western and Central New York, with selective expansion into the Mid-Atlantic region and Capital District. The company traces its banking heritage to the National Bank of Geneva, founded in 1817, and was incorporated as a holding company in 1931.
The company operates through two primary subsidiaries. Five Star Bank, a New York-chartered institution, serves as the core banking operation with 48 full-service branches across 14 New York counties and loan production offices in Baltimore, Maryland and Syracuse, New York. The bank offers a full spectrum of deposit products including checking accounts, savings accounts, money market accounts, and certificates of deposit, alongside diverse lending products spanning commercial business loans, commercial mortgages, residential real estate loans, home equity products, and consumer indirect automobile loans. As of December 31, 2025, the bank maintained total assets of $6.24 billion, deposits of $5.29 billion, and a loan portfolio of $4.61 billion. Courier Capital LLC, an SEC-registered investment advisory firm founded in 1967, provides wealth management, investment consulting, and retirement plan services with $3.60 billion in assets under management across offices in Buffalo, Rochester, Jamestown, and Sarasota.
The consolidated company reported total assets of $6.27 billion and shareholders' equity of $628.9 million as of December 31, 2025. The company employed 631 people as of year-end 2025, representing a six percent increase from the prior year. The company's business strategy emphasizes community banking principles, focusing on personalized service and long-standing customer relationships while leveraging digital capabilities and physical branch networks. The company maintains strong market positions in several counties, including leading deposit market share in Wyoming, Seneca, and Steuben counties. Five Star REIT, Inc., a wholly-owned subsidiary of Five Star Bank, operates as a real estate investment trust holding residential mortgages and commercial real estate loans. The company website is www.FISI-investors.com.
Company details
- Sector
- Financials
- Industry
- Commercial Banks
- Headquarters
- WARSAW, NY
- Fiscal year end
- December
- CIK
- 862831
- SIC
- 6021
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns FINANCIAL INSTITUTIONS INC — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · FINANCIAL INSTITUTIONS INC’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
Compare this company with peers, find it in your funds and follow its financial history with your connected AI:
- “How do FINANCIAL INSTITUTIONS INC and its peers compare on margins and cash generation over ten years?”
- “Where did five years of FINANCIAL INSTITUTIONS INC's earnings go — cash, debt, buybacks, reinvestment?”
- “What changed in FINANCIAL INSTITUTIONS INC's last four quarterly filings that the numbers alone won't show?”