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Visual24 Oct 2025
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Financial Institutions (FISI) investor relations material
Financial Institutions Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Reported record Q3 2025 results with net income available to common shareholders of $20.1 million ($0.99 per diluted share), up 16.5% from the prior quarter, and strong performance across commercial, consumer, and wealth management lines.
Net interest income reached a record $51.8 million, with robust noninterest income of $12.1 million, up 13.6% sequentially, and efficiency ratio improved to below 57%.
Return on average assets (ROAA) was 1.32% and return on average equity (ROAE) was 13.31%.
Achieved loan growth of 1.2% and deposit growth of 3.9%, driven by commercial lending and seasonal public deposit increases.
Efficiency ratio improved to 56.78% in Q3 2025.
Financial highlights
Net interest margin expanded to 3.65%, up 16 bps sequentially and 76 bps year-over-year.
Noninterest expense was $35.9 million, up slightly from Q2 2025, mainly due to higher salaries, technology investments, and medical claims.
Net income available to common shareholders was $20.1 million in Q3 2025.
Allowance for credit losses to total loans was 1.03% at quarter-end.
Tangible common equity (TCE) ratio improved to 8.74%; CET1 ratio at 11.15%.
Outlook and guidance
Raised full-year 2025 guidance: ROAA expected to exceed 1.15%, ROAE above 12%, and NIM guided to 3.50–3.55%.
Loan growth expected at the high end of 1–3% range; deposit growth to be flat by year-end.
Full-year expenses now expected near $141 million, about 1% above original guidance.
Efficiency ratio targeted below 59% for the year.
The wind-down of the Banking-as-a-Service (BaaS) platform, initiated in September 2024, is expected to complete in early 2026.
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Next Financial Institutions earnings date
Q4 202530 Jan, 2026
Next Financial Institutions earnings date
Q4 202530 Jan, 2026
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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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