Financial Institutions Inc (FISI) — Net Asset Quality Index
Financial Institutions Inc (FISI) has a Net Asset Quality Index of 20.7% as of December 2025. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $5.68 Billion minus total liabilities of $4.50 Billion yields net assets of $1.18 Billion. A higher index indicates a stronger, lower-leverage balance sheet. Check FISI cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
Quality Index
Net Assets
Total Assets
Total Liabilities
Financial Institutions Inc Net Asset Quality Index Over Time (1998–2025)
This chart shows how Financial Institutions Inc's Net Asset Quality Index has evolved across 28 annual periods from 1998 to 2025. As of December 2025, the index stands at 20.7%, representing net assets of $1.18 Billion against total assets of $5.68 Billion USD. See FISI book value for net asset value and shareholders' equity analysis.
Annual Net Asset Quality Index for Financial Institutions Inc (1998–2025)
The table below presents the year-by-year Net Asset Quality Index for Financial Institutions Inc from 1998 to 2025, covering 28 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For live market cap and overall valuation, see how much is Financial Institutions Inc worth.
| Year | Quality Index | Net Assets (USD) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 10.0% | $628.85 Million | $6.27 Billion | $5.65 Billion | ▲ +0.7 pp |
| 2024 | 9.3% | $568.98 Million | $6.12 Billion | $5.55 Billion | ▲ +1.9 pp |
| 2023 | 7.4% | $454.80 Million | $6.16 Billion | $5.71 Billion | ▲ +0.4 pp |
| 2022 | 7.0% | $405.61 Million | $5.80 Billion | $5.39 Billion | ▲ +7.3 pp |
| 2021 | -0.3% | $-13.56 Million | $5.00 Billion | $5.02 Billion | ▼ -0.3 pp |
| 2020 | 0.0% | $2.13 Million | $4.45 Billion | $4.44 Billion | ▲ +0.4 pp |
| 2019 | -0.4% | $-14.51 Million | $3.93 Billion | $3.95 Billion | ▼ -9.6 pp |
| 2018 | 9.2% | $396.29 Million | $4.31 Billion | $3.92 Billion | ▼ -0.1 pp |
| 2017 | 9.3% | $381.18 Million | $4.11 Billion | $3.72 Billion | ▲ +0.7 pp |
| 2016 | 8.6% | $320.05 Million | $3.71 Billion | $3.39 Billion | ▼ -0.1 pp |
| 2015 | 8.7% | $293.84 Million | $3.38 Billion | $3.09 Billion | ▼ -0.4 pp |
| 2014 | 9.0% | $279.53 Million | $3.09 Billion | $2.81 Billion | ▲ +0.3 pp |
| 2013 | 8.7% | $254.84 Million | $2.93 Billion | $2.67 Billion | ▼ -0.5 pp |
| 2012 | 9.2% | $253.90 Million | $2.76 Billion | $2.51 Billion | ▼ -1.0 pp |
| 2011 | 10.2% | $237.19 Million | $2.34 Billion | $2.10 Billion | ▲ +0.6 pp |
| 2010 | 9.6% | $212.14 Million | $2.21 Billion | $2.00 Billion | ▼ 0.0 pp |
| 2009 | 9.6% | $198.29 Million | $2.06 Billion | $1.86 Billion | ▼ -0.3 pp |
| 2008 | 9.9% | $190.30 Million | $1.92 Billion | $1.73 Billion | ▼ -0.6 pp |
| 2007 | 10.5% | $195.32 Million | $1.86 Billion | $1.66 Billion | ▲ +1.0 pp |
| 2006 | 9.6% | $182.39 Million | $1.91 Billion | $1.73 Billion | ▲ +1.1 pp |
| 2005 | 8.5% | $171.76 Million | $2.02 Billion | $1.85 Billion | ▼ -0.1 pp |
| 2004 | 8.5% | $184.29 Million | $2.16 Billion | $1.97 Billion | ▲ +0.1 pp |
| 2003 | 8.4% | $183.10 Million | $2.17 Billion | $1.99 Billion | ▼ 0.0 pp |
| 2002 | 8.5% | $178.29 Million | $2.11 Billion | $1.93 Billion | ▲ +0.2 pp |
| 2001 | 8.3% | $149.19 Million | $1.79 Billion | $1.65 Billion | ▼ -1.9 pp |
| 2000 | 10.2% | $131.62 Million | $1.29 Billion | $1.16 Billion | ▼ -0.1 pp |
| 1999 | 10.3% | $117.54 Million | $1.14 Billion | $1.02 Billion | ▲ +0.4 pp |
| 1998 | 9.9% | $96.60 Million | $976.18 Million | $879.59 Million | — |