Financial Institutions(FISI) - 2023 Q4 - Earnings Call Presentation

Investor Presentation Financial Institutions, Inc. Overview of Financial Institutions, Inc. ◦ SDN Insurance Agency, LLC • Financially stable geography, with 49 banking locations1in 14 contiguous Upstate New York counties, as well as commercial loan production offices serving the Mid-Atlantic and Central New York regions $328M Market cap$4.5B 1 48 branches and 1 motor branch in Olean, NY Note: Information on this slide is as of December 31, 2023 unless noted otherwise 10.2% Why FISI • Results-driven communi ...