Financial Institutions第三季度净利1,999万美元：净利息收入5,430万美元创季度新高，贷款增至48.6亿美元
纽约州北部银行控股公司Financial Institutions, Inc.（Nasdaq: FISI，旗下有Five Star Bank与Courier Capital）公布截至2026年9月30日的第三季度业绩：净利1,999万美元，普通股股东可得净利1,962.6万美元，摊薄每股收益0.99美元，与去年同期持平、较第二季度的1.04美元略降。
净利息收入达5,430万美元，创季度新高，同比增4.8%；净息差3.70%，与上季度持平、同比提高5个基点。贷款总额季末达48.6亿美元，环比增2.2%、同比增5.8%，由商业贷款带动；存款总额54.7亿美元，环比增3.3%。投资顾问收入为公司非利息收入的首要来源，同比增10.6%。
资本方面，有形普通股权益比率8.40%，普通股一级资本比率11.36%，平均有形普通股权益回报率13.75%。公司第三季度以均价每股40.92美元回购了185,833股普通股。
总裁兼首席执行官 Martin K. Birmingham 表示，第三季度业绩显示了公司关系驱动型商业模式的实力，商业业务仍是贷款增长的主要动力，公司将继续在纽约州北部核心市场坚持信贷纪律。财务总监 W. Jack Plants II 表示，强劲的资本水平为支持贷款增长与回购股东回报提供了灵活性。
Financial Institutions Q3 Net Income $20.0 Million as Net Interest Income Hits Record $54.3 Million and Loans Reach $4.86 Billion
Financial Institutions, Inc. (Nasdaq: FISI), parent of Five Star Bank and Courier Capital, reported results for the third quarter ended September 30, 2026. Net income was $20.0 million ($19,990 thousand), with $19.6 million available to common shareholders, or $0.99 per diluted share -- flat with a year earlier and down from $1.04 in the second quarter.
Net interest income reached a record $54.3 million, up 4.8% year over year, and net interest margin was 3.70%, stable with the linked quarter and up 5 basis points from a year ago. Total loans reached $4.86 billion at quarter end, up 2.2% from the linked quarter and 5.8% year over year on robust commercial lending; total deposits rose 3.3% sequentially to $5.47 billion. Investment advisory income, the leading contributor to noninterest income, rose 10.6% year over year.
The tangible common equity ratio was 8.40%, the common equity Tier 1 ratio 11.36%, and return on average tangible common equity 13.75%. The company repurchased 185,833 common shares during the quarter at an average price of $40.92.
President and CEO Martin K. Birmingham said the results underscore the strength of the company's relationship-driven business model, with its commercial franchise the primary driver of loan growth in its core Upstate New York markets. CFO and Treasurer W. Jack Plants II said the strong capital levels provide flexibility to support loan growth and shareholder returns, including the quarter's buybacks.
来源：GSM·美国（原文链接）
图片来源：图：位于纽约州Troy的一座银行大楼（资料图）。Daniel Case摄，CC BY-SA 3.0，经Wikimedia Commons。 / A bank building in Troy, New York (file photo). Photo by Daniel Case, CC BY-SA 3.0, via Wikimedia Commons.
