Risk factors

Financial Institutions (FISI) risk factors

Item 1A of every Financial Institutions Inc. 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    49 risks, 1 new, 1 dropped, 7 reworded since the prior year. AML/OFAC compliance is newly emphasized, including transaction screening, blocked transactions, reporting, and limits on acquisitions or branches.

    Filed Mar 09, 2026
  • FY2024 10-K risk factors

    49 risks. Credit exposure centers on Western and Central New York, small and midsized businesses, commercial loans, and commercial real estate oversight.

    Filed Mar 12, 2025