Rochester, NY · Cert 659 · Financial Institutions Inc.
State charter, Fed member · FED · 48 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
24
Profitability
62
Liquidity
88
Efficiency
73
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Rochester, NY · Cert 659 · Financial Institutions Inc.
State charter, Fed member · FED · 48 branches
Q2 2026
Market Position · Rochester, NY · 2026 SOD (annual) · 8.4% share · #5 of 19 inst. · $2.3B of $27.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | -0.50% | 1.18% | 1.20% | 1.26% | 1.28% | 1.42% | 1.42% | +23 bps | |
| Return on Equity | 8.91% | -5.91% | 12.05% | 12.05% | 12.52% | 12.58% | 13.32% | 13.29% | +124 bps | |
| Net Interest Margin | 2.77% | 2.74% | 3.12% | 3.19% | 3.31% | 3.31% | 3.49% | 3.50% | +30 bps | |
| Efficiency Ratio | 75.14% | 73.26% | 54.67% | 55.34% | 54.68% | 54.50% | 52.82% | 52.08% | -326 bps | |
| Non-Interest Burden | 1.96% | 1.88% | 1.48% | 1.54% | 1.57% | 1.57% | 1.61% | 1.58% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.51% | -0.61% | 0.76% | 0.04% | 2.01% | 2.54% | -0.76% | 3.10% | +306 bps | |
| Loan Growth (YoY) | -0.62% | 0.40% | 2.50% | 1.68% | 4.25% | 4.01% | 1.65% | 4.78% | +311 bps | |
| Deposit Growth (YoY) | -0.29% | -1.45% | 0.16% | 0.90% | 0.86% | 2.61% | -1.38% | 2.18% | +128 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.92% | 0.92% | 0.88% | 0.71% | 0.74% | 0.77% | 0.83% | 0.82% | +11 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.19% | 0.21% | 0.28% | 0.25% | 0.23% | 0.44% | 0.27% | -1 bps | |
| Allowance / Loans | 1.01% | 1.07% | 1.08% | 1.04% | 1.03% | 1.02% | 0.96% | 1.00% | -4 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.2x | 1.2x | 1.5x | 1.4x | 1.3x | 1.2x | 1.2x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.89% | 9.79% | 9.88% | 10.07% | 10.39% | 10.44% | 10.73% | 10.87% | +80 bps | |
| Total Risk-Based Capital | 12.59% | 12.60% | 12.45% | 12.90% | 13.20% | 13.33% | 13.67% | 13.69% | +79 bps | |
| Equity / Assets | 8.86% | 9.79% | 9.78% | 10.27% | 10.33% | 10.62% | 10.71% | 10.81% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.74% | 86.93% | 83.96% | 87.33% | 85.52% | 88.12% | 86.53% | 89.56% | +223 bps | |
| Liquid Assets / Assets | 4.07% | 2.44% | 3.28% | 1.85% | 2.95% | 2.19% | 1.78% | 1.89% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 363% | 369% | 360% | n/a | n/a | |
Rochester, NY · Cert 659 · Peer group: banks $1B-$10B in assets (n=322-328) · Financial Institutions Inc.
State charter, Fed member · FED · 48 branches
Q2 2026
Return on Assets
1.42%
Rank 101 of 328
Net Interest Margin
3.50%
Rank 155 of 328
Efficiency Ratio
52.08%
Rank 89 of 328
Equity / Assets
10.81%
Rank 136 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.42% | 0.91% | 1.22% | 1.52% | Beats 69% | 101 / 328 | ||
| Return on Equity | 13.10% | 8.43% | 11.45% | 14.43% | Beats 65% | 116 / 328 | ||
| Net Interest Margin | 3.50% | 3.03% | 3.45% | 3.83% | Beats 53% | 155 / 328 | ||
| Efficiency Ratio | 52.08% | 51.61% | 59.56% | 67.53% | Beats 73% | 89 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.82% | 0.24% | 0.51% | 1.03% | Beats 34% | 213 / 322 | ||
| Net Charge-Offs / Loans | 0.23% | 0.01% | 0.03% | 0.10% | Beats 13% | 280 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.72% | 11.75% | 13.15% | 15.47% | Beats 44% | 184 / 328 | ||
| Total Risk-Based Capital Ratio | 13.69% | 12.63% | 14.15% | 16.46% | Beats 44% | 184 / 328 | ||
| Equity / Assets | 10.81% | 9.15% | 10.33% | 12.01% | Beats 59% | 136 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.56% | 76.63% | 87.92% | 95.36% | 53rd pctl | 151 / 323 | ||
| Loans / Assets | 75.54% | 65.18% | 74.15% | 79.98% | 57th pctl | 142 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||