HIGHBuilt-inLoan_portfolio
50.3%
commercial mortgage loans
“10-K Item 1: 'our commercial mortgage loan portfolio totaled $2.34 billion, or 50.3% of our total loan portfolio'”
FISI · Concentration risk · 10-K extracted
Financial Institutions (FISI) concentration risks
Updated
The most significant concentration Financial Institutions discloses is commercial mortgage loans at 50.3%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
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Source: Financial Institutions’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 4 disclosed concentrations
HIGH1
MEDIUM1
LOW2
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inGeographic
Western and Central New York
“10-K Item 1A: 'The majority of our operations are concentrated in the Western and Central New York regions. As a result of this geographic concentration, our results depend largely on economic conditions in these and surrounding areas.'”
LOWBuilt-inLoan_portfolio
17%
consumer indirect automobile loans
“10-K Item 1: 'our consumer indirect portfolio totaled $807.3 million, or 17% of our total loan portfolio. Outstanding consumer loan balances were concentrated in indirect automobile loans.'”
LOWBuilt-inLoan_portfolio
16%
commercial business loans
“10-K Item 1: 'our commercial business loan portfolio totaled $738.3 million, or 16% of our total loan portfolio'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Financial Institutions, Inc.'s concentration risk is entirely structural, spanning both its loan book composition and its geographic footprint. The commercial mortgage loan portfolio totaled $2.34 billion, or 50.3%, of the total loan portfolio — a structural exposure at a high disclosed share, meaning over half of lending sits in this one category. Layered on top, the majority of operations are concentrated in the Western and Central New York regions, with results depending largely on economic conditions in those and surrounding areas, a medium-share geographic concentration. Two smaller loan-book exposures round out the picture: the consumer indirect portfolio, concentrated in indirect automobile loans, totaled $807.3 million, or 17%, of the total loan portfolio, and the commercial business loan portfolio totaled $738.3 million, or 16% — both disclosed at a low share. None of these four exposures is dependency-type; they all describe how the bank's loan book and geographic footprint are structured rather than reliance on a specific customer or supplier. The commercial mortgage concentration is the most consequential given its high disclosed share, compounded by the fact that the whole loan book sits within one regional economy. Net, this is a geographically and asset-concentrated community bank profile.
For the engine’s reasoning on FISI’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| FISI● | Financial Institutions, Inc. | 1 | 1 | 2 | 4 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.