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Financial Institutions, Inc. operates as the holding company for Five Star Bank that provides various banking and financial services to individuals, municipalities, and businesses. The company offers checking and savings account programs, including money market accounts, certificates of deposit, and sweep investment capabilities, as well as individual retirement accounts and other qualified plan accounts. It also provides short and medium-term commercial loans for businesses for working capital, business expansion, and purchase of equipment; commercial business loans to the agricultural industry for short-term crop production, farm equipment, and livestock financing; commercial mortgage loans to finance the purchase of real property; and residential mortgage loans collateralized by one-to-four family residential real estate. Its loan portfolio also consists of consumer loans, such as consumer automobile loans, recreational vehicle loans, boat loans, home improvement loans, closed-end home equity loans, home equity lines of credit, collateralized and uncollateralized personal loans, and deposit account collateralized loans. In addition, the company offers noninsured investment products and investment advisory services. As of April 15, 2013, it operated through a network of approximately 50 offices and approximately 60 ATMs in Central and Western New York. The company was founded in 1931 and is headquartered in Warsaw, New York.