FinObservatory

SEC filings / CIK 862831

FINANCIAL INSTITUTIONS INC

National commercial banks, NY. 15 10-K filer-years in this dataset, the most recent for FY2025, filed Mar 9, 2026. Every figure below is as filed by the company and untouched: FinObservatory has not restated, rescaled or corrected anything, and a blank is a fact the filing does not tag, not a zero.

This is the SEC holding company, identified by its Central Index Key. It is not the insured bank subsidiary that appears in /banks and /deposits, which are FDIC call-report entities on a different consolidation. Nothing here should be compared line for line with those.

Held-to-maturity gap against reported equity

The fair value of the held-to-maturity book minus its carrying amount, divided by the stockholders’ equity the same filing reports. Years marked n/a are years in which the filing does not tag one of the three.

-4-2024FY2011: HTM fair value less carrying amount, +0.3% of reported stockholders’ equityFY2012: HTM fair value less carrying amount, +0.2% of reported stockholders’ equityFY2013: HTM fair value less carrying amount, +0.3% of reported stockholders’ equityFY2014: HTM fair value less carrying amount, +1.5% of reported stockholders’ equityFY2015: HTM fair value less carrying amount, +1.5% of reported stockholders’ equityFY2016: HTM fair value less carrying amount, -1.0% of reported stockholders’ equityFY2017: HTM fair value less carrying amount, -0.9% of reported stockholders’ equityFY2018: HTM fair value less carrying amount, -1.8% of reported stockholders’ equityFY2019: HTM fair value less carrying amount, +1.0% of reported stockholders’ equityFY2020: HTM fair value less carrying amount, +2.1% of reported stockholders’ equityFY2021: HTM fair value less carrying amount, +0.8% of reported stockholders’ equityFY2022: HTM fair value less carrying amount, -3.6% of reported stockholders’ equityFY2023: HTM fair value less carrying amount, -2.4% of reported stockholders’ equityFY2024: HTM fair value less carrying amount, -2.0% of reported stockholders’ equityFY2025 (partial): HTM fair value less carrying amount, -1.3% of reported stockholders’ equity111213141516171819202122232425Fiscal year of the 10-K% of reported stockholders’ equity

The gap is computable for 15 of this company’s 15 filings. In 6 of the 15 filings the carrying amount is tagged with a company-invented element rather than a us-gaap one, so a standard-taxonomy screen would return no carrying amount for those years.

Source: SEC Financial Statement Data Sets, US Securities and Exchange Commission, Division of Economic and Risk Analysis. Facts as filed: uncleaned, unrestated, not audited by FinObservatory. Selection: consolidated USD balance-sheet instants at each filing's own period end, from this company's 10-K submissions with prevrpt = 0. Methodology

Filing history, as filed

FYFiledAssetsDepositsEquityAOCIHTM carryingHTM fair valueGap, % of equityCustom facts
2025pMar 9, 2026$6.27bn$5.21bn$628.9m-$33.0m$84.7mext$76.3m-1.3%7.6%
2024Mar 12, 2025$6.12bn$5.10bn$569.0m-$52.6m$116.0mext$104.6m-2.0%7.0%
2023Mar 13, 2024$6.16bn$5.21bn$454.8m-$119.9m$148.2mext$137.0m-2.4%6.5%
2022Mar 9, 2023$5.80bn$4.93bn$405.6m-$137.5m$189.0mext$174.2m-3.6%7.3%
2021Mar 10, 2022$5.52bn$4.83bn$505.1m-$13.2m$205.6mext$209.8m+0.8%8.2%
2020Mar 15, 2021$4.91bn$4.28bn$468.4m$2.1m$272.0mext$282.0m+2.1%6.2%
2019Mar 4, 2020$4.38bn$3.56bn$438.9m-$14.5m$359.0m$363.3m+1.0%5.0%
2018Mar 8, 2019$4.31bn$3.37bn$396.3m-$21.3m$446.6m$439.6m-1.8%4.5%
2017Mar 14, 2018$4.11bn$3.21bn$381.2m-$11.9m$516.5m$513.0m-0.9%3.3%
2016Mar 7, 2017$3.71bn$3.00bn$320.1m-$14.0m$543.3m$540.0m-1.0%2.8%
2015Mar 8, 2016$3.38bn$2.73bn$293.8m-$11.3m$485.7m$490.1m+1.5%2.8%
2014Mar 6, 2015$3.09bn$2.45bn$279.5m-$9.0m$294.4m$298.7m+1.5%3.7%
2013Mar 12, 2014$2.93bn$2.32bn$254.8m-$10.2m$249.8m$250.7m+0.3%3.7%
2012Mar 18, 2013$2.76bn$2.26bn$253.9m$3.3m$17.9m$18.5m+0.2%3.4%
2011Mar 9, 2012$2.34bn$1.93bn$237.2m$945k$23.3m$24.0m+0.3%4.7%

ext marks a carrying amount tagged with a company-invented element. p marks FY2025, which the dataset’s filing window (closing Mar 31, 2026) leaves incomplete across filers. “Custom facts” is the share of that filing’s consolidated facts carrying a company-invented tag, in any unit.

Source: SEC Financial Statement Data Sets, US Securities and Exchange Commission, Division of Economic and Risk Analysis. Facts as filed: uncleaned, unrestated, not audited by FinObservatory. Selection: this company's 10-K submissions with prevrpt = 0, one per fiscal year by latest filed date; consolidated USD instants at each filing's period end. Dollar columns are raw US dollars. Methodology

What this page cannot tell you

  • A blank in the held-to-maturity columns means the filing does not tag that fact on the consolidated face. It does not mean the company holds no held-to-maturity securities, and this dataset cannot distinguish the two.
  • A held-to-maturity gap is not a realised loss. Held to maturity, the securities pay par. The gap measures how far the reported equity sits from a mark-to-market equity, which becomes a solvency question only if the book must be sold.
  • AOCI is not the held-to-maturity mark. It bundles available-for-sale marks, hedge marks, pension and translation, net of tax. Do not add the two columns.
  • Every value is as filed. A scale error, sign error or mis-tag by the company is reproduced here exactly as the company made it.

Pages exist for the 650 bank and thrift holding companies with at least one 10-K from FY2015 onward, out of 900 with a 10-K anywhere in the dataset.