Financial Institutions, Inc. (FII) is a financial holding company. Through the Company�s subsidiaries, including its wholly owned banking subsidiary, Five Star Bank (the Bank), it provides an array of deposit, lending and other financial services to retail, commercial, and municipal customers in Western and Central New York. In addition, the Company�s business operations include a wholly owned broker-dealer and investment adviser subsidiary, Five Star Investment Services, Inc. (FSIS). The Company provides a range of consumer and commercial banking and financial services to individuals, municipalities and businesses. In August 2014, Financial Institutions Inc acquired Scott Danahy Naylon Co., Inc., a full service insurance agency located in Amherst.