Financial Institutions, Inc. — Third Quarter 2026 Earnings Summary

Financial Institutions, Inc. reported net income available to common shareholders of $19.6 million, or $0.99 per diluted share, for the third quarter of 2026. Total loans grew 2.2% to $4.86 billion and total deposits increased 3.3% to $5.47 billion, driven by robust commercial lending and seasonal public deposit growth. The company achieved a net interest margin of 3.70% and maintained a tangible common equity ratio of 8.40% while repurchasing 185,833 shares of common stock during the quarter.