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 | |