Emerging technology, including cloud computing and artificial intelligence (“AI”), introduces new risks while possibly being essential to support business strategy;
Sees AI as a riskDetail: GeneralSame as last period
Financial Institutions Inc
FISI, FIISO, FIISP · NY · Mid-size bank ($1B to $50B)
Total assets of FDIC-insured bank subsidiaries: $6.2B at the end of 2025
Filings on the SEC website · This bank on Bankgraph
In short. In its 2025 annual report, Financial Institutions Inc mentions AI in 3 passages. It lists AI as a risk, but the report does not say how AI is controlled. Compared with banks of its size, it gives more detail than most.
In the 2025 annual reportThe yearly report a listed company files with the SEC, called a 10-K. It describes the business, its risks and its results.
Mentions AI
Yes
3 passages
Highest detail levelHow specific a passage is about AI at this bank. General: could be in any bank's report. Names an area: says where AI is used or how it is controlled. Concrete example: names a tool or vendor, gives a number, a date or a result.
Names an area
What it says
Sees AI as a risk
Kinds of AI named
None named
How AI is controlled
Not described
AI in its annual reports over time
- What this shows
- How many passages about AI each annual report contains, 2022 to 2025, by what they say.
- What it means
- 0 passages in 2022, 3 passages in 2025.
- How to read it
- Each bar is a report year, split by what the passages say. Hover or tap a bar for the count.
- Where it comes from
- Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
Show as a table
| Report year | Using or planning AI | Explains how AI is controlled | Sees AI as a risk | Other mentions |
|---|---|---|---|---|
| 2022 | ||||
| 2022 | ||||
| 2022 | ||||
| 2022 | ||||
| 2023 | ||||
| 2023 | ||||
| 2023 | ||||
| 2023 | ||||
| 2024 | ||||
| 2024 | ||||
| 2024 | ||||
| 2024 | ||||
| 2025 | ||||
| 2025 | ||||
| 2025 | ||||
| 2025 |
Compared with banks of its size
- What this shows
- This bank's 2025 annual report next to all 221 banks of its size ($1B to $50B).
- What it means
- Its most specific passage is "Names an area"; for banks of its size the typical level is "General".
- How to read it
- Yes or no for this bank; the share of banks of the same size for comparison.
- Where it comes from
- Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
| In the 2025 report | This bank | Banks of its size |
|---|---|---|
| Using AI now | No | 26 of 221 (12%) |
| Explains how AI is controlled | No | 55 of 221 (25%) |
| Sees AI as a risk | Yes | 184 of 221 (83%) |
| Mentions generative AI | No | 112 of 221 (51%) |
| Mentions AI agents | No | 18 of 221 (8%) |
What changed from 2024
0 passages new in the 2025 report, 0 passages from the 2024 report no longer there.
Every passage about AI
- What this shows
- All 11 passages about AI in this bank's annual reports, quarterly reports and earnings materials since 2023, newest first.
- What it means
- 0 passages say the bank is using AI now.
- How to read it
- Highlighted words are the terms that matched. Labels show what each passage says. Follow the link to read it in the filing.
- Where it comes from
- Banks' annual reports (10-K), quarterly reports (10-Q) and earnings materials (8-K) filed with the SEC. How we did this
Quarterly report, Q2 2026 filed 3 Aug 2026
Quarterly report, Q1 2026 filed 4 May 2026
Emerging technology, including cloud computing and artificial intelligence (“AI”), introduces new risks while possibly being essential to support business strategy;
Sees AI as a riskDetail: GeneralSame as last period
Annual report, report year 2025 filed 9 Mar 2026
Emerging technology, including cloud computing and artificial intelligence (“AI”), introduces new risks while possibly being essential to support business strategy;
Sees AI as a riskDetail: GeneralSame as last year
Emerging technology, including cloud computing and artificial intelligence (“AI”), introduces new risks while possibly being essential to support business strategy.
Sees AI as a riskDetail: GeneralSame as last year
The emergence of AI is an example of an emerging technology providing significant value to operations and service, although the mere existence of AI capabilities presents a myriad of risks for consideration. Regardless of AI adoption by the Company, we face the risk of associates utilizing unauthorized publicly sourced AI tools to complete business functions. Unauthorized use of AI tools could lead to the unintended exposure of confidential data, use of inaccurate results, and a number of other risks. Additionally, third-party service providers are quickly embedding AI capabilities in their technology to provide more robust and efficient services. Some embedded AI capabilities could risk the exposure of confidential Company data if being used in a multi-tenant environment or being used to train AI systems.
Sees AI as a riskDetail: Names an areaOperations
Quarterly report, Q3 2025 filed 3 Nov 2025
Emerging technology, including cloud computing and artificial intelligence (“AI”), introduces new risks while possibly being essential to support business strategy;
Sees AI as a riskDetail: GeneralSame as last period
Quarterly report, Q2 2025 filed 4 Aug 2025
Emerging technology, including cloud computing and artificial intelligence (“AI”), introduces new risks while possibly being essential to support business strategy;
Sees AI as a riskDetail: GeneralSame as last period
Quarterly report, Q1 2025 filed 5 May 2025
Emerging technology, including cloud computing and artificial intelligence (“AI”), introduces new risks while possibly being essential to support business strategy;
Sees AI as a riskDetail: GeneralNew this period
Annual report, report year 2024 filed 12 Mar 2025
Emerging technology, including cloud computing and artificial intelligence (“AI”), introduces new risks while possibly being essential to support business strategy;
Sees AI as a riskDetail: GeneralNew this year
Emerging technology, including cloud computing and artificial intelligence (“AI”), introduces new risks while possibly being essential to support business strategy.
Sees AI as a riskDetail: GeneralNew this year
The recent emergence of artificial intelligence (“AI”) is a recent example of an emerging technology providing significant value to operations and service, although the mere existence of AI capabilities presents a myriad of risks for consideration. Regardless of direct AI adoption by the Company, we face the risk of associates utilizing unauthorized publicly sourced AI tools to complete business functions. Unauthorized use of AI tools could lead to the unintended exposure of confidential data, use of inaccurate results, and a number of other risks. Additionally, third-party service providers are quickly embedding AI capabilities in their technology to provide more robust and efficient services. Some embedded AI capabilities could risk the exposure of confidential Company data if being used in a multi-tenant environment or being used to train AI systems.
Sees AI as a riskDetail: Names an areaOperationsNew this year