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| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Interest and fees on loans | $284.3M+0.7% | $282.2M+9.1% | $258.6M+51.4% | $170.8M+15.5% | $147.9M |
| Interest and dividends on investment securities | $46.7M+83.7% | $25.4M+7.6% | $23.6M-3.7% | $24.5M+28.5% | $19.1M |
| Other interest income | $2.0M-64.0% | $5.6M+42.8% | $3.9M+425.7% | $747K+245.8% | $216K |
| Total interest income | $333.0M+6.3% | $313.2M+9.5% | $286.1M+45.9% | $196.1M+17.3% | $167.2M |
| Deposits | $124.3M-11.2% | $140.0M+30.4% | $107.4M+366.9% | $23.0M+183.2% | $8.1M |
| Short-term borrowings | $1.9M-43.5% | $3.4M-51.1% | $6.9M+359.3% | $1.5M+1150.0% | $120K |
| Long-term borrowings | $6.8M+8.6% | $6.3M+1.6% | $6.2M+45.4% | $4.2M+0.1% | $4.2M |
| Total interest expense | $133.0M-11.1% | $149.6M+24.3% | $120.4M+319.1% | $28.7M+130.3% | $12.5M |
| Net interest income | $200.0M+22.2% | $163.6M-1.3% | $165.7M-1.0% | $167.4M+8.2% | $154.7M |
| Provision for credit losses | $11.6M+89.0% | $6.2M-55.0% | $13.7M+2.8% | $13.3M | — |
| Net interest income after provision for credit losses | $188.4M+19.6% | $157.4M+3.6% | $152.0M-1.3% | $154.1M-5.5% | $163.1M |
| Service charges on deposits | $4.4M+3.0% | $4.2M-8.5% | $4.6M-21.5% | $5.9M+5.7% | $5.6M |
| Insurance income | $11K-99.5% | $2.1M-68.0% | $6.7M+5.4% | $6.4M+10.7% | $5.8M |
| Card Interchange Income | $7.8M-0.8% | $7.9M-4.4% | $8.2M+0.2% | $8.2M-3.4% | $8.5M |
| Investment advisory income | $11.7M+9.4% | $10.7M-2.2% | $11.0M-4.7% | $11.5M-1.5% | $11.7M |
| Company owned life insurance | $11.4M+107.4% | $5.5M-54.7% | $12.1M+118.4% | $5.5M+88.1% | $2.9M |
| Investments in limited partnerships | $1.4M-41.1% | $2.4M+33.6% | $1.8M+37.9% | $1.3M-37.9% | $2.1M |
| Loan servicing | $692K-3.4% | $716K+49.5% | $479K-5.5% | $507K+22.2% | $415K |
| Income from derivative instruments, net | $2.5M+250.7% | $726K-46.2% | $1.4M-29.7% | $1.9M-28.8% | $2.7M |
| Net gain on sale of loans held for sale | $737K+19.3% | $618K+9.2% | $566K-53.9% | $1.2M-58.4% | $3.0M |
| Net gain (loss) on investment securities | $931K+100.9% | -$100.1M-2698.0% | -$3.6M-23740.0% | -$15K-121.1% | $71K |
| Net (loss) gain on other assets | -$506K-103.7% | $13.6M+227000.0% | -$6K+62.5% | -$16K-103.6% | $441K |
| Net loss on tax credit investments | -$2.0M-156.1% | -$775K-207.5% | -$252K+69.1% | -$815K-89.1% | -$431K |
| Other | $14.5M-5.4% | $15.3M+6.7% | $14.4M+23.7% | $11.6M+21.3% | $9.6M |
| Total noninterest income (loss) | $45.0M+196.3% | -$46.7M-196.8% | $48.2M+4.3% | $46.3M-1.4% | $46.9M |
| Salaries and employee benefits | $72.8M+10.1% | $66.1M-8.0% | $71.9M+3.2% | $69.6M+14.4% | $60.9M |
| Occupancy and equipment | $15.5M+7.9% | $14.4M-3.0% | $14.8M-2.0% | $15.1M+5.1% | $14.4M |
| Professional services | $6.5M-15.4% | $7.7M+46.5% | $5.3M-6.0% | $5.6M-14.4% | $6.5M |
| Computer and data processing | $23.1M+1.8% | $22.7M+12.8% | $20.1M+14.0% | $17.6M+25.0% | $14.1M |
| Supplies and postage | $2.1M+8.4% | $1.9M+3.3% | $1.9M-3.6% | $1.9M+9.8% | $1.8M |
| FDIC assessments | $5.1M-4.0% | $5.3M+7.8% | $4.9M+100.9% | $2.4M-7.0% | $2.6M |
| Advertising and promotions | $1.8M+15.1% | $1.6M-18.3% | $1.9M-4.3% | $2.0M+18.1% | $1.7M |
| Amortization of intangibles | $415K-24.8% | $552K-39.3% | $910K-7.7% | $986K-7.0% | $1.1M |
| Provision for litigation settlement | $0-100.0% | $23.0M | $0 | $0 | — |
| Deposit-related charged-off items | $160K-99.2% | $20.3M+1593.7% | $1.2M+52.2% | $789K | — |
| Total noninterest expense | $142.0M-20.7% | $178.9M+30.4% | $137.2M+6.1% | $129.4M+14.7% | $112.8M |
| Income (loss) before income taxes | $91.4M+234.1% | -$68.1M-208.1% | $63.1M-11.2% | $71.0M-27.0% | $97.2M |
| Income tax expense (benefit) | $16.5M+162.2% | -$26.5M-307.2% | $12.8M-11.2% | $14.4M-26.3% | $19.5M |
| Net income (loss) | $74.9M+279.8% | -$41.6M-182.9% | $50.3M-11.2% | $56.6M-27.2% | $77.7M |
| Preferred stock dividends | $1.5M-0.1% | $1.5M+0.0% | $1.5M+0.0% | $1.5M-0.1% | $1.5M |
| Net income (loss) available to common shareholders | $73.4M+270.3% | -$43.1M-188.3% | $48.8M-11.4% | $55.1M-27.7% | $76.2M |
| Basic | $20.1M+28.2% | $15.7M+2.0% | $15.4M-0.1% | $15.4M-2.9% | $15.8M |
| Diluted | $20.3M+29.6% | $15.7M+1.3% | $15.5M+0.0% | $15.5M-2.9% | $15.9M |
| Cash dividends declared per common share | $1K+3.3% | $1K+0.0% | $1K+3.4% | $1K+7.4% | $1K |
Source: SEC EDGAR XBRL. % change vs prior period shown where available.
Financial Institutions targets 5% loan growth and full-year net interest margin in the upper 360s
Financial Institutions, Inc. (FISI) Q1 2026 Earnings Call Transcript
Financial Institutions, Inc. 2026 Q1 - Results - Earnings Call Presentation
Financial Institutions projects at least 122 bps ROA for 2026 while advancing Upstate NY commercial lending