On its third-quarter 2026 earnings call, held on Oct. 30, 2026, Financial Institutions (NASDAQ:FISI) reported net income available to common shareholders of $19.6 million, or $0.99 per diluted share. Commercial lending expansion supported total loan growth of 2% from the prior quarter. Three things management said stand out. Commercial real estate projects in Upstate New York led loan expansion during the quarter. That volume offset lower line utilization in commercial and industrial accounts, where businesses borrow against revolving credit lines.
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