Financial Institutions FISI Short-Term Debt - Weighted-Average Interest Rate
Short-Term Debt - Weighted-Average Interest Rate at other companies
Other financials
Where this comes from
Reported directly by Financial Institutions in its filing.
Tagged under the XBRL concept us-gaap:ShortTermDebtWeightedAverageInterestRate.
The source filing: Financial Institutions’s 10-K, filed March 9, 2026.
- Filed
- Mar 9, 2026, 4:06 PM EDT
- Fiscal year
- FY2025
- Accession
- 0001193125-26-098467
Short-term FHLB borrowings have original maturities of less than one year and include overnight borrowings which the Company typically utilizes to address short-term funding needs as they arise. Short-term FHLB borrowings at December 31, 2025 and 2024 consisted of $109.0 million and $99.0 million, respectively. The FHLB borrowings are collateralized by securities from the Company’s investment portfolio and certain qualifying loans. Short-term borrowings and brokered deposits have historically been utilized to manage the seasonality of public deposits. As of December 31, 2025, loans pledged also served as collateral for letters of credit issued through the FHLB for the benefit of uninsured public funds deposits totaling $270.3 million. At December 31, 2025 and 2024, the Company’s short-term borrowings had a weighted average rate of 3.96% and 4.68%, respectively.
ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
FAQ
- What is Financial Institutions's short-term debt - weighted-average interest rate?
- Financial Institutions (FISI) reported short-term debt - weighted-average interest rate of 4% in Q4 2025.
- How has Financial Institutions's short-term debt - weighted-average interest rate changed year-over-year?
- Financial Institutions's short-term debt - weighted-average interest rate decreased by 15.4% year-over-year, from 4.7% to 4%.
- What is the long-term trend for Financial Institutions's short-term debt - weighted-average interest rate?
- Over 5 years (2020 to 2025), Financial Institutions's short-term debt - weighted-average interest rate has grown at a 18.4% compound annual growth rate (CAGR), from 1.7% to 4%.
- What does short-term debt - weighted-average interest rate mean?
- This metric reflects the average interest rate paid on the company's short-term debt obligations, weighted by the principal amount of each instrument. It serves as a key indicator of the company's cost of short-term capital and its sensitivity to prevailing market interest rates.
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