Financial Institutions, Inc. is a holding company, which engages in the provision of financial services to individuals and businesses. It operates through the following segments: Banking and Non-Banking. The Banking segment includes retail and commercial banking operations. The Non-Banking segment provides includes the activities of SDN, a full service insurance agency that provides an insurance services to both personal and business clients and Courier Capital, an investment advisor and wealth management firm that offers customized investment management, investment consulting, and retirement plan services to individuals, businesses, institutions, foundations, and retirement plans. The company was founded in 1931 and is headquartered in Warsaw, NY.