Financial Institutions 

Financial Institutions, Inc. (FISI) operates as a holding company, serving as the parent entity for Five Star Bank. Through this chartered banking subsidiary, the company offers a comprehensive range of banking and financial services to individuals, municipalities, and businesses throughout New York State. Its diverse selection of deposit products includes checking and savings accounts, along with specialized offerings such as money market accounts, certificates of deposit (CDs), sweep investment options, and various individual retirement and other qualified plan accounts. On the lending side, FISI provides a broad array of loan solutions. These encompass term loans and lines of credit, as well as short and medium-term commercial financing tailored for working capital, business expansion, or equipment purchases. Specialized commercial business loans are also available for the agricultural industry. The company originates commercial mortgage loans, alongside a variety of residential financing options including one-to-four family mortgages, home improvement loans, closed-end home equity loans, and home equity lines of credit. Consumer lending options are also part of its portfolio, covering automobile, secured installment, and personal loans. Beyond traditional banking, the institution extends its services into insurance and broader financial planning. Its personal insurance offerings include coverage for automobiles, homeowners, boats, recreational vehicles, landlords, and general umbrella policies. For commercial clients, the company provides property, liability, automotive, inland marine, workers' compensation, bonds, crop, and umbrella insurance products. Additionally, a suite of financial services is available, such as life and disability insurance, Medicare supplements, long-term care plans, annuities, mutual funds, and various retirement programs. Furthermore, FISI delivers customized investment advisory, wealth management, investment consulting, and retirement plan administration services. The company also manages a real estate investment trust (REIT) that holds residential mortgage assets and commercial real estate loans. The company operates a network of 48 banking branches spread across numerous New York counties, specifically: Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Schuyler, Steuben, Wayne, Wyoming, and Yates. Financial Institutions, Inc. was established in 1817 and maintains its headquarters in Warsaw, New York.