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Investor Relations14 Oct 2025
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Financial Institutions (FISI) investor relations material
Financial Institutions Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Net income for Q2 2025 was $17.5M, up from Q1 but down from Q2 2024 due to a prior $13.5M insurance sale gain; EPS was $0.85, up sequentially but down year-over-year.
Net interest margin expanded to 3.49%, with net interest income rising 4.8% sequentially and 19.2% year-over-year.
Noninterest income was $10.6M, up 2.4% sequentially but down from $24.0M a year ago due to the insurance sale gain.
Efficiency ratio remained below 60%, with annualized ROA at 1.13% and ROE at 11.78%.
Diversified business lines include community banking, commercial lending, wealth management, and indirect auto lending.
Financial highlights
Net interest income was $49.1M, up $2.3M from Q1 2025 and $7.9M from Q2 2024.
Total loans at period end were $4.54B, flat sequentially but up 1.7% year-over-year; average loans increased 1% from Q1.
Commercial loans totaled $2.94B, flat sequentially and up 5% year-over-year; commercial business loans grew 2.4% in the quarter.
Consumer indirect balances fell 2.3% sequentially to $833.5M, with home equity loans and lines up 44% year-to-date.
Noninterest expense was $35.7M, up from Q1 and year-over-year, mainly due to higher salaries, benefits, and technology costs.
Outlook and guidance
Full-year 2025 guidance is unchanged, including NIM of 3.45%–3.55% and loan growth of 1–3%.
Noninterest income is projected at $40M–$42M for 2025, with noninterest expense guidance at $140M.
Net charge-offs to average loans expected at 0.25%–0.35% for the year.
Loan loss reserve coverage ratio expected to remain in the 104–108 basis point range.
Management expects BaaS deposit wind-down to complete in Q3 2025.
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Next Financial Institutions earnings date
Q3 202524 Oct, 2025
Next Financial Institutions earnings date
Q3 202524 Oct, 2025
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Frequently asked questions
Financial Institutions Inc. operates as a financial holding company offering a range of banking services through its subsidiary network. The company provides personal and commercial banking, including loans, deposits, and investment management services. It serves individual customers, small businesses, and municipalities, primarily in upstate New York. The company is headquartered in Warsaw, New York, and its shares are listed on the NASDAQ.
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