Financial Institutions (FISI) is the holding company for Five Star Bank, a community bank headquartered in Warsaw, New York that serves consumers, businesses, and municipalities across Western and Central New York. Five Star Bank operates 48 branches across 14 counties, with concentrations in smaller upstate markets and growing presence in Buffalo and Rochester, supplemented by commercial loan production offices in Baltimore and Syracuse. The bank offers a standard community banking product suite — deposits (including reciprocal deposits useful for municipalities and large commercial clients) and loans, with the portfolio weighted toward commercial real estate (~50%) and commercial business loans (~16%), with consumer indirect auto (~17%) and residential real estate (~16%) rounding it out. Five Star Bank earns money primarily through net interest income — the spread between loan and investment yields and deposit funding costs. The bank argues that relationship banking and local decision-making give it an edge over larger competitors. FISI also owns Courier Capital, a registered investment adviser with $3.6B in AUM that serves high-net-worth individuals, families, and institutions through investment management, retirement planning, and consulting — a small but growing contributor to overall revenue. Management's primary growth focus is deepening commercial relationships in Buffalo, Rochester, and Syracuse, with selective M&A in wealth management and branch acquisitions as secondary options.