Financial Institutions, Inc.

FISI is a financial holding company organized in 1931 under New York State laws. Its primary business is operating its subsidiaries, which include Five Star Bank and Courier Capital LLC. Five Star Bank, or FSB, provides a full range of banking services to consumer, commercial, and municipal customers in Western and Central New York. It also offers commercial loans in the Mid-Atlantic region through a loan production office in Ellicott City, Maryland, and in the Central New York region through an office in Syracuse, New York. Courier Capital LLC, or Courier Capital, offers customized investment management, investment consulting, and retirement plan services to individuals, businesses, institutions, foundations, and retirement plans. As of December 31, 2025, the Company had consolidated total assets of $6.27 billion, deposits of $5.21 billion, and shareholders' equity of $628.9 million. At this date, Five Star Bank represented 99% of the Company's consolidated assets, and Courier Capital represented less than 1%. The Company's banking business continuity dates back to the organization of the National Bank of Geneva on March 28, 1817. The Parent's common stock is traded on the Nasdaq Global Select Market under the ticker symbol "FISI."