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Financial Institutions, Inc. Financials, FR Y-9C Data and Filings

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Bank Holding Company New York RSSD 1032464 Ticker FISI FRS Est. 1931

Financial Institutions, Inc. is a bank holding company based in New York with $6.33B in total consolidated assets as of June 30, 2026, according to its FR Y-9C filing with the Federal Reserve. It owns 1 bank that files a call report: Five Star Bank ($6.29B in assets). Its shares trade under the ticker FISI, and it files with the SEC under CIK 862831: see its SEC filings and 8-K events.

Key Financials FR Y-9C, consolidated, as of June 30, 2026

Total assets
$6.33B
Total deposits
$5.30B
Total equity
$643.4M
Net income (Q2 2026)
$21.2M
ROA
1.34%
ROE
13.29%
Net interest margin
3.70%
CET1 ratio
11.44%
Total loans
$4.76B
Efficiency ratio
55.17%
Equity / assets
10.16%
Tier 1 leverage ratio
10.06%
Total capital ratio
14.20%
Employees (FTE)
642

Source: FR Y-9C for June 30, 2026, consolidated across the holding company's banks and nonbank subsidiaries. Net income is for Q2 2026 alone; ROA, ROE and net interest margin annualize that quarter, and the margin is tax-equivalent, on average earning assets. Deposits add domestic and foreign-office deposits (Schedule HC, item 13). Capital ratios are as filed on Schedule HC-R (CET1: BHCAP793). Bank-level figures in the tables below come from each bank's own call report.

Bank Subsidiaries 1 bank held directly or through another holding company

Bank Charter State Total assets (call report) Share of bank assets Held through
Five Star Bank State Member Bank NY $6.29B 100.0% Held directly

Questions About Financial Institutions, Inc.

What are Financial Institutions, Inc.'s total assets?

Financial Institutions, Inc. reported $6.33B in total consolidated assets as of June 30, 2026, according to its FR Y-9C filing with the Federal Reserve.

How many banks does Financial Institutions, Inc. own?

Financial Institutions, Inc. owns 1 bank that files a call report: Five Star Bank.

Who owns Five Star Bank?

Five Star Bank is owned by Financial Institutions, Inc. The bank reported $6.29B in total assets on its latest call report.

Where can I find Financial Institutions, Inc.'s FR Y-9C?

Financial Institutions, Inc. files the FR Y-9C with the Federal Reserve every quarter. The reports are public on the FFIEC National Information Center under RSSD ID 1032464. This page summarizes the FR Y-9C for Q2 2026.

Does Financial Institutions, Inc. file with the SEC?

Yes. Financial Institutions, Inc. files with the SEC under Central Index Key (CIK) 862831 and trades under the ticker FISI.

Filing Details fiscal year and SEC registration

Fiscal year end
December 31
Ticker
FISI
SEC CIK
862831
SEC filings
Filings and 8-K events

Organization Map select + to expand a subsidiary's own holdings

Holding company Reporting bank Nonbank subsidiary
  • Financial Institutions, Inc.
    Holding Company NY RSSD 1032464
    $6.33B
    • Five Star Bank
      State Member Bank NY RSSD 601416
      $6.29B
    • Courier Capital, LLC
      Nonbank Subsidiary NY RSSD 4965200
    • Five Star Advisors, LLC
      Nonbank Subsidiary NY RSSD 4715870

Direct Subsidiaries 3 active direct subsidiaries

Entity Type State Total Assets Share of bank subsidiary assets
Five Star Bank · 601416 State Member Bank NY $6.29B 100.0%
Courier Capital, LLC · 4965200 Nonbank Subsidiary NY — —
Five Star Advisors, LLC · 4715870 Nonbank Subsidiary NY — —

Share of bank subsidiary assets divides each bank's total assets by the combined assets of the bank subsidiaries listed. Nonbank subsidiaries are not counted.

Regulator records: FFIEC NIC profile (RSSD 1032464)