Financial Institutions, Inc. (FISI) 2022年年度报告「NASDAQ」.pdf

1、success built on stability.the point is you.2022 Annual ReportAbout Financial Institutions,Inc.Financial Institutions,Inc.(Nasdaq:FISI)is an innovative financial holding company with approximately$5.8 billion in assets offering banking,insurance and wealth management products and services through a

2、network of subsidiaries.Its Five Star Bank subsidiary provides consumer and commercial banking and lending services to individuals,municipalities,and businesses through its Western and Central New York branch network and has commercial loan production offices in Syracuse,NY and Baltimore,MD,serving

3、the Central New York and Mid-Atlantic regions,respectively.SDN Insurance Agency,LLC provides a broad range of insurance services to personal and business clients,while Courier Capital,LLC and HNP Capital,LLC offer customized investment management,consulting and retirement plan services to individual

4、s,businesses,institutions,foundations,and retirement plans.12022 was a year of strategic investments for Financial Institutions,Inc.,Five Star Bank,and its insurance and investment affiliates that we believe set the stage for our continued growth and success.We continued to focus on enhancing our di

5、gital capabilities and providing exceptional tools throughFive Star Bank Digital Banking to help our customers manage all aspects of their finances and help them reachtheir goals.Our team continued to advance our FinTech partnerships and Banking-as-a-Service(BaaS)business initiatives.We made signifi

6、cant investments in talent throughout the year to support our continuedgrowth,including the expansion of our commercial lending franchise into the Mid-Atlantic region.We also celebrated the opening of Five Star Bank Centre,home of our new Western New York regional administrative office and SDN Insur