Latest 10-Q

What changed in Financial Institutions, Inc.'s latest quarterly report, compared with the one before.

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Insider trades

Open-market trades from Form 4. 10b5-1 marks a plan set in advance.Open-market buys and sales by officers, directors and 10% owners, from SEC Form 4. A plan set in advance is marked 10b5-1.

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13F holders

Funds that report this stock, checked against market prices.Fund managers with over $100 million in US-listed stocks file a 13F each quarter, up to 45 days after quarter end. Long positions only.

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Trades by members of Congress

Disclosed in dollar ranges, up to 45 days after the trade.Members of Congress, their spouses and dependent children report trades in dollar ranges, up to 45 days after the trade.

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Lobbying

What Financial Institutions, Inc. and its lobbying firms report each quarter.A company that lobbies with its own staff reports its expenses; a lobbying firm it hires reports the income it received. We count both.

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Bank financials at Financial Institutions, Inc.

Q2 2026

Deposits, loans past due, charge-offs and capital of the banks Financial Institutions, Inc. owns, from FDIC call reports

US bank subsidiaries Q2 2026: $6.3B in assets, $5.3B in deposits (41.4% uninsured), commercial real estate 52.5% of loans, common equity Tier 1 ratio 12.7%. 1 bank: FIVE STAR BANK.

Last 8 quarters

Bank financials of Financial Institutions, Inc. by quarter
QuarterAssetsTotal assets of the company's US bank subsidiaries at the end of the quarter.DepositsDomestic and foreign deposits of the banks at the end of the quarter.UninsuredThe FDIC's estimate of deposits above the insurance limit, as a share of insured plus uninsured deposits in domestic offices.CRE % loansConstruction, multifamily and nonfarm nonresidential real estate loans (owner-occupied included) as a share of total loans.Past dueLoans 30 or more days past due and still accruing, as a percent of total loans. Nonaccrual loans are shown separately.NonaccrualLoans the bank no longer accrues interest on, as a percent of total loans.Charge-offsThe quarter's net charge-offs times four, over period-end loans.CET1The banks' common equity Tier 1 capital ratio, averaged by assets. Lowest first.
Q2 2026$6.3B$5.3B41.45%52.54%0.62%0.81%0.11%12.72%
Q1 2026$6.3B$5.3B40.99%51.59%0.35%0.83%0.44%12.71%
Q4 2025$6.2B$5.3B39.38%51.46%0.61%0.75%0.21%12.32%
Q3 2025$6.3B$5.4B40.39%50.24%0.42%0.74%0.18%12.21%
Q2 2025$6.1B$5.2B36.96%50.01%0.44%0.71%0.36%11.92%
Q1 2025$6.3B$5.4B37.02%49.71%0.28%0.88%0.21%11.46%
Q4 2024$6.1B$5.2B35.89%49.68%0.49%0.92%0.25%11.65%
Q3 2024$6.1B$5.3B37.47%48.17%0.43%0.92%0.15%11.70%

By loan type, Q2 2026

Past-due loans and charge-offs of Financial Institutions, Inc.'s banks by loan type
Loan typeLoansPast dueLoans 30 or more days past due and still accruing, as a percent of that loan type.NonaccrualCharge-offsThe quarter's net charge-offs times four, as a percent of that loan type.
1-4 family mortgages$766M0.54%1.01%0.02%
Commercial real estate$2.5B0.22%0.87%-0.00%
Commercial and industrial$621M0.89%1.07%-0.01%
Auto loans$760M1.75%0.23%0.59%
Other consumer$40M2.78%0.44%1.52%

Against Q2 2025: uninsured share +4.49 pp; commercial real estate share of loans +2.53 pp; past due, all loans +0.18 pp; past due, commercial real estate +0.09 pp.

All listed banks ranked

Source: FDIC call reports (FDIC BankFind), quarter ended 2026-06-30. Figures are for the company's US bank subsidiaries as filed with the FDIC (a bank's call report covers the bank only). They are not the consolidated holding company, which can include large non-bank businesses.

Institutional ownership over time

How many funds reported holding the stock at the end of each quarter, and how many shares they held between them.

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More filings and data

Each opens the table.

About the company

The basics from the company’s SEC registration.

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$40.18+$0.14 (+0.35%) Nov 13 close
Oct 13, 2026: $38.80Oct 14, 2026: $38.63Oct 15, 2026: $39.27Oct 16, 2026: $39.31Oct 19, 2026: $39.19Oct 20, 2026: $39.95Oct 21, 2026: $39.85Oct 22, 2026: $40.69Oct 23, 2026: $40.58Oct 26, 2026: $40.81Oct 27, 2026: $40.80Oct 28, 2026: $40.77Oct 29, 2026: $40.88Oct 30, 2026: $39.37Nov 2, 2026: $40.15Nov 3, 2026: $39.35Nov 4, 2026: $40.44Nov 5, 2026: $39.51Nov 6, 2026: $39.73Nov 9, 2026: $40.22Nov 10, 2026: $39.97Nov 11, 2026: $39.90Nov 12, 2026: $40.04Nov 13, 2026: $40.18
Oct 13, 2026Low $38.63 · High $40.88Nov 13, 2026
Aug 13, 2026: $41.89Aug 14, 2026: $41.75Aug 17, 2026: $41.56Aug 18, 2026: $41.57Aug 19, 2026: $40.91Aug 20, 2026: $40.79Aug 21, 2026: $41.20Aug 24, 2026: $40.82Aug 25, 2026: $40.62Aug 26, 2026: $40.80Aug 27, 2026: $40.92Aug 28, 2026: $40.96Aug 31, 2026: $40.52Sep 1, 2026: $40.04Sep 2, 2026: $40.84Sep 3, 2026: $41.18Sep 4, 2026: $41.70Sep 8, 2026: $41.16Sep 9, 2026: $40.79Sep 10, 2026: $41.09Sep 11, 2026: $40.92Sep 14, 2026: $41.02Sep 15, 2026: $40.80Sep 16, 2026: $40.23Sep 17, 2026: $40.72Sep 18, 2026: $40.64Sep 21, 2026: $40.33Sep 22, 2026: $40.32Sep 23, 2026: $39.66Sep 24, 2026: $40.02Sep 25, 2026: $40.23Sep 28, 2026: $39.55Sep 29, 2026: $39.29Sep 30, 2026: $38.98Oct 1, 2026: $39.48Oct 2, 2026: $39.98Oct 5, 2026: $39.63Oct 6, 2026: $39.28Oct 7, 2026: $38.71Oct 8, 2026: $39.05Oct 9, 2026: $38.45Oct 12, 2026: $38.81Oct 13, 2026: $38.80Oct 14, 2026: $38.63Oct 15, 2026: $39.27Oct 16, 2026: $39.31Oct 19, 2026: $39.19Oct 20, 2026: $39.95Oct 21, 2026: $39.85Oct 22, 2026: $40.69Oct 23, 2026: $40.58Oct 26, 2026: $40.81Oct 27, 2026: $40.80Oct 28, 2026: $40.77Oct 29, 2026: $40.88Oct 30, 2026: $39.37Nov 2, 2026: $40.15Nov 3, 2026: $39.35Nov 4, 2026: $40.44Nov 5, 2026: $39.51Nov 6, 2026: $39.73Nov 9, 2026: $40.22Nov 10, 2026: $39.97Nov 11, 2026: $39.90Nov 12, 2026: $40.04Nov 13, 2026: $40.18
Aug 13, 2026Low $38.45 · High $41.89Nov 13, 2026
Nov 13, 2025: $29.47Nov 14, 2025: $29.25Nov 17, 2025: $28.52Nov 18, 2025: $28.31Nov 19, 2025: $28.59Nov 20, 2025: $28.50Nov 21, 2025: $29.47Nov 24, 2025: $29.65Nov 25, 2025: $30.76Nov 26, 2025: $30.59Nov 28, 2025: $30.60Dec 1, 2025: $30.64Dec 2, 2025: $30.55Dec 3, 2025: $31.26Dec 4, 2025: $31.24Dec 5, 2025: $30.86Dec 8, 2025: $31.07Dec 9, 2025: $31.34Dec 10, 2025: $32.47Dec 11, 2025: $32.61Dec 12, 2025: $32.75Dec 15, 2025: $32.40Dec 16, 2025: $32.27Dec 17, 2025: $32.22Dec 18, 2025: $32.63Dec 19, 2025: $32.03Dec 22, 2025: $31.97Dec 23, 2025: $31.85Dec 24, 2025: $31.90Dec 26, 2025: $31.99Dec 29, 2025: $31.60Dec 30, 2025: $31.35Dec 31, 2025: $31.17Jan 2, 2026: $30.84Jan 5, 2026: $31.73Jan 6, 2026: $31.43Jan 7, 2026: $31.33Jan 8, 2026: $32.22Jan 9, 2026: $31.41Jan 12, 2026: $31.18Jan 13, 2026: $31.14Jan 14, 2026: $31.55Jan 15, 2026: $32.22Jan 16, 2026: $32.19Jan 20, 2026: $31.58Jan 21, 2026: $33.26Jan 22, 2026: $33.17Jan 23, 2026: $32.02Jan 26, 2026: $32.07Jan 27, 2026: $32.22Jan 28, 2026: $31.97Jan 29, 2026: $32.93Jan 30, 2026: $32.94Feb 2, 2026: $33.95Feb 3, 2026: $34.27Feb 4, 2026: $34.78Feb 5, 2026: $34.80Feb 6, 2026: $35.14Feb 9, 2026: $34.78Feb 10, 2026: $34.46Feb 11, 2026: $34.43Feb 12, 2026: $34.07Feb 13, 2026: $34.41Feb 17, 2026: $34.78Feb 18, 2026: $33.82Feb 19, 2026: $33.67Feb 20, 2026: $33.74Feb 23, 2026: $32.23Feb 24, 2026: $32.02Feb 25, 2026: $32.25Feb 26, 2026: $32.90Feb 27, 2026: $31.38Mar 2, 2026: $31.89Mar 3, 2026: $31.65Mar 4, 2026: $31.83Mar 5, 2026: $31.29Mar 6, 2026: $30.78Mar 9, 2026: $30.73Mar 10, 2026: $30.76Mar 11, 2026: $30.38Mar 12, 2026: $30.32Mar 13, 2026: $30.25Mar 16, 2026: $30.47Mar 17, 2026: $30.52Mar 18, 2026: $30.30Mar 19, 2026: $30.63Mar 20, 2026: $30.59Mar 23, 2026: $31.30Mar 24, 2026: $31.40Mar 25, 2026: $31.25Mar 26, 2026: $31.23Mar 27, 2026: $30.89Mar 30, 2026: $31.05Mar 31, 2026: $31.71Apr 1, 2026: $32.09Apr 2, 2026: $32.22Apr 6, 2026: $32.77Apr 7, 2026: $33.19Apr 8, 2026: $33.88Apr 9, 2026: $34.39Apr 10, 2026: $34.05Apr 13, 2026: $33.85Apr 14, 2026: $34.34Apr 15, 2026: $34.28Apr 16, 2026: $34.24Apr 17, 2026: $35.13Apr 20, 2026: $35.05Apr 21, 2026: $34.22Apr 22, 2026: $34.17Apr 23, 2026: $34.15Apr 24, 2026: $33.71Apr 27, 2026: $34.56Apr 28, 2026: $35.00Apr 29, 2026: $34.03Apr 30, 2026: $34.07May 1, 2026: $34.49May 4, 2026: $33.92May 5, 2026: $34.82May 6, 2026: $35.35May 7, 2026: $35.41May 8, 2026: $35.41May 11, 2026: $34.90May 12, 2026: $34.67May 13, 2026: $34.24May 14, 2026: $34.25May 15, 2026: $33.82May 18, 2026: $34.42May 19, 2026: $34.37May 20, 2026: $35.10May 21, 2026: $35.37May 22, 2026: $35.36May 26, 2026: $36.22May 27, 2026: $35.93May 28, 2026: $35.81May 29, 2026: $36.23Jun 1, 2026: $35.73Jun 2, 2026: $36.46Jun 3, 2026: $35.47Jun 4, 2026: $36.62Jun 5, 2026: $37.11Jun 8, 2026: $37.27Jun 9, 2026: $37.54Jun 10, 2026: $37.83Jun 11, 2026: $37.98Jun 12, 2026: $37.90Jun 15, 2026: $37.15Jun 16, 2026: $37.15Jun 17, 2026: $37.02Jun 18, 2026: $37.36Jun 22, 2026: $37.89Jun 23, 2026: $38.40Jun 24, 2026: $38.67Jun 25, 2026: $38.70Jun 26, 2026: $38.93Jun 29, 2026: $38.83Jun 30, 2026: $38.97Jul 1, 2026: $40.07Jul 2, 2026: $39.02Jul 6, 2026: $38.92Jul 7, 2026: $38.51Jul 8, 2026: $37.64Jul 9, 2026: $38.72Jul 10, 2026: $38.85Jul 13, 2026: $38.75Jul 14, 2026: $38.78Jul 15, 2026: $39.17Jul 16, 2026: $40.03Jul 17, 2026: $39.32Jul 20, 2026: $39.31Jul 21, 2026: $39.49Jul 22, 2026: $38.89Jul 23, 2026: $38.72Jul 24, 2026: $40.62Jul 27, 2026: $41.25Jul 28, 2026: $42.16Jul 29, 2026: $41.25Jul 30, 2026: $41.26Jul 31, 2026: $41.46Aug 3, 2026: $42.59Aug 4, 2026: $42.70Aug 5, 2026: $42.46Aug 6, 2026: $41.96Aug 7, 2026: $41.65Aug 10, 2026: $41.33Aug 11, 2026: $41.64Aug 12, 2026: $41.87Aug 13, 2026: $41.89Aug 14, 2026: $41.75Aug 17, 2026: $41.56Aug 18, 2026: $41.57Aug 19, 2026: $40.91Aug 20, 2026: $40.79Aug 21, 2026: $41.20Aug 24, 2026: $40.82Aug 25, 2026: $40.62Aug 26, 2026: $40.80Aug 27, 2026: $40.92Aug 28, 2026: $40.96Aug 31, 2026: $40.52Sep 1, 2026: $40.04Sep 2, 2026: $40.84Sep 3, 2026: $41.18Sep 4, 2026: $41.70Sep 8, 2026: $41.16Sep 9, 2026: $40.79Sep 10, 2026: $41.09Sep 11, 2026: $40.92Sep 14, 2026: $41.02Sep 15, 2026: $40.80Sep 16, 2026: $40.23Sep 17, 2026: $40.72Sep 18, 2026: $40.64Sep 21, 2026: $40.33Sep 22, 2026: $40.32Sep 23, 2026: $39.66Sep 24, 2026: $40.02Sep 25, 2026: $40.23Sep 28, 2026: $39.55Sep 29, 2026: $39.29Sep 30, 2026: $38.98Oct 1, 2026: $39.48Oct 2, 2026: $39.98Oct 5, 2026: $39.63Oct 6, 2026: $39.28Oct 7, 2026: $38.71Oct 8, 2026: $39.05Oct 9, 2026: $38.45Oct 12, 2026: $38.81Oct 13, 2026: $38.80Oct 14, 2026: $38.63Oct 15, 2026: $39.27Oct 16, 2026: $39.31Oct 19, 2026: $39.19Oct 20, 2026: $39.95Oct 21, 2026: $39.85Oct 22, 2026: $40.69Oct 23, 2026: $40.58Oct 26, 2026: $40.81Oct 27, 2026: $40.80Oct 28, 2026: $40.77Oct 29, 2026: $40.88Oct 30, 2026: $39.37Nov 2, 2026: $40.15Nov 3, 2026: $39.35Nov 4, 2026: $40.44Nov 5, 2026: $39.51Nov 6, 2026: $39.73Nov 9, 2026: $40.22Nov 10, 2026: $39.97Nov 11, 2026: $39.90Nov 12, 2026: $40.04Nov 13, 2026: $40.18
Nov 13, 2025Low $28.31 · High $42.70Nov 13, 2026
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