Item 7.01 Regulation FD Disclosure.

On January 24, 2023, Five Star Bank, subsidiary of Financial Institutions, Inc., issued a press release to announce Five Star Bank's expansion into Central New York with the addition of a team of commercial banking officers in Syracuse, New York. This press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

This information is furnished pursuant to Item 7.01 of Form 8-K and shall not be deemed to be "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934 ("Exchange Act"), as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, whether made before or after the date of this report, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.



Exhibit                        Description                            Location
Number
 99.1       Press Release issued by Five Star Bank on January      Filed Herewith
          24, 2023

  104     Cover Page Interactive Data File (embedded within the
          Inline XBRL document)

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