• Financial Institutions Inc. posted first-quarter net income of $21 million, up $4.1 million from a year earlier, with diluted EPS of $1.04 versus $0.81.
• Net interest income rose to $52 million, while net interest margin widened 32 basis points to 3.67%.
• Provision for credit losses eased to $2.24 million, while net charge-offs climbed to $5.08 million, or 0.44% of average loans on an annualized basis.
• Noninterest income edged up to $10.67 million, while noninterest expense increased to $35.6 million and efficiency ratio improved to 57.06% from 58.79%.
• Tier 1 capital ratio was 11.70% at March 31, 2026, down from 11.43% at Dec. 31, 2025, while total risk-based capital ratio was 14.16% versus 14.90%.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Financial Institutions Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001193125-26-203962), on May 04, 2026, and is solely responsible for the information contained therein.