Financial Institutions, Inc. operates as the holding company for Five Star Bank that provides banking and financial services to individuals, municipalities, and businesses. It operates in two segments, Banking and Non-Banking. The Banking segment includes retail and commercial banking operations. This segment offers checking and savings account programs, including money market accounts, certificates of deposit, and sweep investments, as well as individual retirement, NOW, and other accounts. It also provides short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans to the agricultural industry for short-term crop production, farm equipment, and livestock financing; commercial mortgage loans to finance the purchase of real property; and one-to-four family residential mortgage loans, home improvement loans, closed-end home equity loans, and home equity lines of credit. In addition, this segment offers consumer loans, such as automobile, recreational vehicle, boat, personal, and deposit account collateralized loans. The Non-Banking segment provides personal insurance, including automobile, homeowners, boat, recreational vehicle, landlord, and umbrella coverage; commercial insurance, such as property, liability, automobile, inland marine, workers compensation, bonds, crop, and umbrella insurance products; and financial services comprising life and disability insurance, Medicare supplements, long-term care services, annuities, mutual funds, and retirement programs. This segment also provides customized investment management, investment consulting and advisory, and wealth management services, as well as retirement plan services; and invests in various securities. The company serves customers through its network of 52 banking offices, as well as through ATMs in Western and Central New York. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.