{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-117049","form_type":"8-K","ticker":"FISI","cik":"0000862831","company_name":"FINANCIAL INSTITUTIONS INC","filed_at":"2024-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.172920+00:00","generated_at":"2026-05-30T10:48:08.684154+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"FISI Q3 2024 net income $13.5M ($0.84 EPS), down from $25.6M in Q2 on insurance asset sale gain absence","bullets":["Diluted EPS $0.84 vs $1.62 Q2 2024 and $0.88 Q3 2023; net interest margin 2.89% (+2 bps QoQ).","Deposits $5.31B, +$173M (+3.4%) QoQ; loans $4.40B, -$58.5M (-1.3%) QoQ.","Noninterest income $9.4M vs $24.0M Q2 (Q2 included $13.5M pre-tax gain on insurance asset sale).","Non-performing loans $40.7M (0.93% of total loans) vs $25.2M (0.57%) at Q2; provision $3.1M up from $2.0M.","Common equity tier 1 ratio 10.28% (+25 bps QoQ); orderly wind-down of BaaS offerings targeted for 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-117049","json":"https://secwatch.observer/filing/0000950170-24-117049.json","markdown":"https://secwatch.observer/filing/0000950170-24-117049.md","text":"https://secwatch.observer/filing/0000950170-24-117049.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/862831/000095017024117049/0000950170-24-117049-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/862831/000095017024117049/fisi-20240930.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:48:08.684154+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}