EX-21 3 fisi-ex21.htm EX-21

Exhibit 21

SUBSIDIARIES OF REGISTRANT

|  | State or Jurisdiction of Incorporation or Organization |  |
Financial Institutions, Inc. Subsidiaries: |  |  |  |
Five Star Bank |  | New York |  |
SDN Insurance Agency, LLC |  | New York |  |
Courier Capital, LLC |  | New York |  |
Five Star Bank Subsidiaries: |  |  |  |
Five Star REIT, Inc. |  | New York |  |
FSB Mid-Atlantic, LLC |  | Virginia |  |