Here are the 10-K annual reports from Financial Instns 3% PFD (FIISP) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow FIISP and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full FIISP filings page.
Financial Institutions, Inc., parent of Five Star Bank and Courier Capital, presents itself as a New York–based community-focused financial group with a growing digital and physical footprint. As of December 31, 2025, the Company reported consolidated assets of $6.27 billion, deposits of $5.21 billion and shareholders’ equity of $628.9 million.
Five Star Bank operates 48 branches across Western and Central New York plus commercial loan production offices in Maryland and Syracuse, with $6.24 billion in assets, $4.61 billion in net loans, $1.01 billion in investment securities, $5.29 billion in deposits and $662.3 million in equity. Courier Capital manages $3.60 billion in client assets and generated $11.6 million of revenue in 2025, providing investment advisory and wealth management services.
The Company emphasizes a community bank strategy, diversified lending across commercial, residential and consumer indirect portfolios, and disciplined credit administration under a CECL-based allowance framework. It highlights extensive regulatory oversight, evolving cybersecurity and technology risks, interest-rate and liquidity risks, competition from banks and fintechs, and targeted but cautious participation in regulated New York cannabis banking.