    <SEC-DOCUMENT>0000950170-25-053503-index.html : 20250414
    <SEC-HEADER>0000950170-25-053503.hdr.sgml : 20250414
    <ACCEPTANCE-DATETIME>20250414080010
    ACCESSION NUMBER:		0000950170-25-053503
    CONFORMED SUBMISSION TYPE:	ARS
    PUBLIC DOCUMENT COUNT:		1
    CONFORMED PERIOD OF REPORT:	20241231
    FILED AS OF DATE:		20250414
    DATE AS OF CHANGE:		20250414
    EFFECTIVENESS DATE:		20250414

    FILER:

    	COMPANY DATA:
    		COMPANY CONFORMED NAME:			FINANCIAL INSTITUTIONS INC
    		CENTRAL INDEX KEY:			0000862831
    		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
    		ORGANIZATION NAME:           	02 Finance
    		EIN:				160816610
    		STATE OF INCORPORATION:			NY
    		FISCAL YEAR END:			1231

    	FILING VALUES:
    		FORM TYPE:		ARS
    		SEC ACT:		1934 Act
    		SEC FILE NUMBER:	000-26481
    		FILM NUMBER:		25834238

    	BUSINESS ADDRESS:
    		STREET 1:		220 LIBERTY STREET
    		CITY:			WARSAW
    		STATE:			NY
    		ZIP:			14569
    		BUSINESS PHONE:		5857861100

    	MAIL ADDRESS:
    		STREET 1:		220 LIBERTY STREET
    		CITY:			WARSAW
    		STATE:			NY
    		ZIP:			14569
    </SEC-HEADER>
    <DOCUMENT>
    <TYPE>ARS
    <SEQUENCE>1
    <FILENAME>2025_fisi_ars.pdf
    <DESCRIPTION>ARS
    <TEXT>
    Document 1 - file: 2025_fisi_ars.pdf

    </DOCUMENT>
    </SEC-DOCUMENT>