What is the long-term trend for Financial Institutions's allowance for credit losses?

Over 5 years (2020 to 2025), Financial Institutions's allowance for credit losses has grown at a -100.0% compound annual growth rate (CAGR), from $52.42M to $0.

What does allowance for credit losses mean?

Reserve held against the loan portfolio for estimated future credit losses under the CECL methodology — a contra-asset reducing net loans.

Financial Institutions FISI Allowance for credit losses

Allowance for credit losses at other companies

M&T BankMTB

$2.14B-2.9%

KeyCorpKEY

$1.45B+1.4%

Capital City Bank GroupCCBG

$2.19M+19.5%

SMB

SmartFinancialSMBK

$43.95M+15.1%

First Mid Bancshares, Inc.FMBH

$86.81M+23.9%

HBT

HBT Financial, Inc.HBT

$60.47M+43.6%

Other financials

Income statement

See full

Revenue$62.7M+9.5%

Net income$21.0M+24.3%

EPS (diluted)$1.04+28.4%

Balance sheet

See full

Cash & equivalents$85.5M-48.9%

Total debt$224.6M+5.7%

Total equity$631.7M+7.1%

Total assets$6.3B-0.7%

Cash flow

See full

Operating cash flow$23.7M+137%

CapEx$650.0K-20.3%

Free cash flow$23.0M+151%

Valuation

See full

Market cap$761.27M+53.9%

Enterprise value$900.46M+66.8%

P/E9.6×—

P/S3×—

Profitability

See full

Net margin31.5%—

FCF margin33%-35.0pp

Returns & leverage

See full

Return on equity12.9%+10.1pp

Debt / equity0.4×0.0×

Where this comes from

Reported directly by Financial Institutions in its filing.

Tagged under the XBRL concept us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss.

The official record: Financial Institutions’s 10-Q, filed May 4, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Financial Institutions's allowance for credit losses?: Financial Institutions (FISI) reported allowance for credit losses of $0 in Q1 2026.
What is the long-term trend for Financial Institutions's allowance for credit losses?: Over 5 years (2020 to 2025), Financial Institutions's allowance for credit losses has grown at a -100.0% compound annual growth rate (CAGR), from $52.42M to $0.
What does allowance for credit losses mean?: Reserve held against the loan portfolio for estimated future credit losses under the CECL methodology — a contra-asset reducing net loans.