Financial Institutions Inc. posted Q2 net income of $21.2 million, up $3.7 million from a year earlier; diluted EPS rose to $1.04.
Net interest income climbed to $53.4 million; net interest margin widened 21 basis points to 3.70%.
Provision for credit losses increased to $3.1 million; net charge-offs fell to $1.3 million, or 0.11% of average loans annualized.
Noninterest income edged up 3.2% to $11 million, driven by higher investment advisory fees as Courier Capital assets under management topped $4 billion.
Tier 1 capital ratio was 11.76% at June 30, 2026; total risk-based capital ratio was 14.20%.
FISI•
