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Exhibit 21
SUBSIDIARIES OF REGISTRANT
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| State or Jurisdiction of Incorporation or Organization |
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Financial Institutions, Inc. Subsidiaries: |
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Five Star Bank |
| New York |
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SDN Insurance Agency, LLC |
| New York |
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Courier Capital, LLC |
| New York |
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HNP Capital, LLC |
| New York |
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Corn Hill Innovation Labs, LLC |
| New York |
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Five Star Bank Subsidiaries: |
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Five Star REIT, Inc. |
| New York |
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FSB Mid-Atlantic, LLC |
| Virginia |
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