Grounded in a legacy of community-oriented banking for more than 200 years, Financial Institutions, Inc. (the “Company,” “we” or “our”) is a financial holding company headquartered in Western New York serving a mix of consumer, business, municipal, healthcare and not-for-profit customers through its Five Star Bank and Courier Capital, LLC subsidiaries. With a deeply experienced leadership team, diverse and talented Board and engaged employee base, our strong corporate culture is defined by our HEART values to be humble, empowered, ambitious, resilient and transparent at all times and is embraced throughout the Company. We understand that by keeping people at the heart of everything we do, our team, customers, communities and shareholders will thrive. Simply put – we ensure the point is you.

Five Star Bank provides consumer and commercial banking and lending services to individuals, municipalities and businesses through banking locations that spans Western and Central New York, as well as through a Mid-Atlantic commercial loan production office ("LPO") serving the Baltimore and Washington, D.C. region and an LPO in Syracuse, N.Y. Courier Capital, LLC offers customized investment management, financial planning and consulting services to individuals and families, businesses, institutions, non-profits and retirement plans.

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Exceptional and results-driven community bank with strong retail and commercial franchises

  • Serving financially stable Upstate New York markets and well-positioned for growth in Buffalo and Rochester.
  • Launched commercial lending platforms in Baltimore, MD serving the Mid-Atlantic region and in Syracuse, NY serving Central New York.
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Disciplined credit culture with strong credit quality

  • From 2008 through 2023, year-end non-performing assets made up between 0.17% to 0.58% of total assets, while annual net charge-offs to average loans ranged from 0.14% to 0.54%.
  • Indirect auto lending is a core competency with attractive risk-adjusted return profile and consistent results through several economic cycles.
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Wealth management business diversifies revenue and complements core banking franchise

  • Well-regarded investment advisory firm supports noninterest income and has been enhanced by acquisition in recent years.
  • Providing customized investment management, retirement planning, and consulting services for individuals and families, businesses, institutions, and foundations.
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Strong executive leadership team positioned to drive growth and operational excellence

  • History of generating consistent, strong operating results.
  • Experienced management team focused on driving long-term value.
  • Longstanding commitment to rewarding shareholders through meaningful dividend yield.