Financial Institutions, Inc. operates as the holding company for Five Star Bank that provides consumer and commercial banking, and financial services to individuals, municipalities, and businesses in central and western New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, and sweep investment capabilities, as well as individual retirement accounts and other qualified plan accounts. Its loan portfolio comprises commercial loans for businesses 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; and commercial real estate loans, one-to-four family residential mortgages, consumer automobile loans, recreational vehicle loans, boat loans, home improvement loans, closed-end home equity loans, home equity lines of credit, collateralized and uncollateralized personal loans, deposit account collateralized loans, revolving lines of credit, and commercial mortgages. Financial Institutions, Inc. operates through a network of approximately 50 offices and approximately 70 ATMs in western and central New York. The company, through its other subsidiary, Five Star Investment Services, Inc., operates as a broker-dealer and investment advisor that offers noninsured investment products. Financial Institutions, Inc. was founded in 1931 and is headquartered in Warsaw, New York.