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<url><loc>https://stock.noler.com/us/stock/fisi/defined-benefit-plan-service-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/defined-benefit-plan-settlements-benefit-obligation</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/defined-benefit-plan-settlements-plan-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/defined-benefit-plan-weighted-average-asset-allocations</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/defined-contribution-plan-cost-recognized</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/defined-contribution-plan-maximum-annual-contributions-per-employee-percent</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/deposit-liability-uninsured</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/deposits-savings-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/depreciation-and-amortization</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/depreciation-and-amortization-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/derivative-asset-fair-value-of-collateral</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/derivative-fair-value-of-derivative-asset</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/derivative-fair-value-of-derivative-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/derivative-fixed-interest-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/derivative-gain-loss-on-derivative-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/derivative-gain-loss-reclassification-from-accumulated-oci-to-income-estimated-net-amount-to-be-transferred</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/diluted-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/dividend</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/dividend-safety</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/dividends-common-stock-cash</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/dividends-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/dividends-payable-current-and-noncurrent</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/dividends-per-share</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/dividends-preferred-stock-cash</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/ebitda</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/ebitda-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/effect-on-future-cash-flows-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/effective-tax-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/employee-count</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/eps</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/eps-basic</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/equipment-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/equity-method-investment-summarized-financial-information-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/equity-securities-fv-ni</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/escrow-deposit</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/excess-tax-benefit-from-share-based-compensation-financing-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/executive-pay-pvp</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/executive-salary-officers</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/expense-breakdown</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/fair-value-assets-level-1-to-level-2-transfers-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/fair-value-assets-level-2-to-level-1-transfers-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/fair-value-liabilities-level-1-to-level-2-transfers-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/fair-value-liabilities-level-2-to-level-1-transfers-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/fair-value-of-assets-acquired</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/federal-deposit-insurance-corporation-premium-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/federal-home-loan-bank-advances-long-term</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/federal-home-loan-bank-advances-maturities-summary-due-within-one-year-of-balance-sheet-date</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/federal-home-loan-bank-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/federal-home-loan-bank-stock-and-federal-reserve-bank-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/federal-reserve-bank-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/fees-and-commissions-depositor-accounts</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-cash-flow</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-allowance-for-credit-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-allowance-for-credit-losses-collectively-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-allowance-for-credit-losses-individually-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-allowance-for-credit-losses-recovery</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-allowance-for-credit-losses-write-offs</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-change-in-method-credit-loss-expense-reversal</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-collectively-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-individually-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-modifications-number-of-contracts</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-modifications-post-modification-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-modifications-pre-modification-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-modifications-subsequent-default-number-of-contracts</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-modifications-subsequent-default-number-of-contracts-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-modifications-subsequent-default-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-modifications-subsequent-default-recorded-investment-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-nonaccrual-interest-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-nonaccrual-no-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-recorded-investment-30-to-59-days-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-recorded-investment-60-to-89-days-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-recorded-investment-90-days-past-due-and-still-accruing</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-recorded-investment-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-recorded-investment-equal-to-greater-than-90-days-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-recorded-investment-nonaccrual-status</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/financing-receivable-recorded-investment-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/finite-lived-intangible-assets-accumulated-amortization</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/finite-lived-intangible-assets-amortization-expense-after-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/finite-lived-intangible-assets-amortization-expense-next-twelve-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/finite-lived-intangible-assets-amortization-expense-remainder-of-fiscal-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/finite-lived-intangible-assets-amortization-expense-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/finite-lived-intangible-assets-amortization-expense-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/finite-lived-intangible-assets-amortization-expense-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/finite-lived-intangible-assets-amortization-expense-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/finite-lived-intangible-assets-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/finite-lived-intangible-assets-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/form-144-stocks</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/form-n-port-stocks</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/gain-loss-on-derivative-instruments-net-pretax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/gain-loss-on-disposition-of-intangible-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/gain-loss-on-sale-of-business</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/gain-loss-on-sale-of-other-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/gain-loss-on-sale-of-securities-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/gain-loss-on-sales-of-loans-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/gains-losses-on-extinguishment-of-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/gains-losses-on-sales-of-other-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/goodwill</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/goodwill-acquired</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/goodwill-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/goodwill-impairment-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/goodwill-written-off-related-to-sale-of-business-unit</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/graph</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/gross-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-accumulated-unrecognized-holding-gain</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-accumulated-unrecognized-holding-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-debt-maturities-after-five-through-ten-years-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-debt-maturities-after-five-through-ten-years-net-carrying-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-debt-maturities-after-one-through-five-years-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-debt-maturities-after-one-through-five-years-net-carrying-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-debt-maturities-after-ten-years-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-debt-maturities-after-ten-years-net-carrying-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-debt-maturities-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-debt-maturities-net-carrying-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-debt-maturities-within-one-year-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-debt-maturities-within-one-year-net-carrying-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-unrealized-loss-position-12-months-or-longer-aggregate-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-unrealized-loss-position-12-months-or-longer-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-unrealized-loss-position-aggregate-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-unrealized-loss-position-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-unrealized-loss-position-less-than-12-months-aggregate-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-unrealized-loss-position-less-than-12-months-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-unrealized-loss-position-less-than-twelve-months-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/held-to-maturity-securities-unrealized-loss-position-twelve-months-or-longer-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/impaired-financing-receivable-average-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/impaired-financing-receivable-interest-income-cash-basis-method</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/impaired-financing-receivable-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/impaired-financing-receivable-related-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/impaired-financing-receivable-unpaid-principal-balance</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/impaired-financing-receivable-with-no-related-allowance-average-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/impaired-financing-receivable-with-no-related-allowance-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/impaired-financing-receivable-with-no-related-allowance-unpaid-principal-balance</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/impaired-financing-receivable-with-related-allowance-average-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/impaired-financing-receivable-with-related-allowance-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/impaired-financing-receivable-with-related-allowance-unpaid-principal-balance</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/impairment-of-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/impairment-of-long-lived-assets-held-for-use</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/included-in-etf</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/income-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/income-tax-at-federal-statutory-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/income-tax-effects-allocated-directly-to-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/income-taxes-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/income-taxes-paid-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/increase-decrease-in-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/increase-decrease-in-other-operating-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/increase-decrease-in-other-operating-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/incremental-common-shares-attributable-to-call-options-and-warrants</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/incremental-common-shares-attributable-to-participating-nonvested-shares-with-non-forfeitable-dividend-rights</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/incremental-common-shares-attributable-to-share-based-payment-arrangements</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/information-technology-and-data-processing</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/insider-transactions</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/insurance-services-revenue</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/intangible-assets-net-excluding-goodwill</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/intangible-assets-net-including-goodwill</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-and-dividend-income-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-and-dividend-income-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-and-fee-income-loans-and-leases</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-and-other-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-bearing-deposit-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-bearing-deposits-in-banks</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-bearing-domestic-deposit-certificates-of-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-expense-demand-deposit-accounts</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-expense-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-expense-long-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-expense-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-expense-savings-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-expense-short-term-borrowings</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-expense-time-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-income-expense-after-provision-for-loan-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-income-expense-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-income-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-income-securities-tax-exempt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-income-securities-taxable</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-paid-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-payable-current-and-noncurrent</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-rate-cash-flow-hedge-gain-loss-to-be-reclassified-during-next-12-months-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/interest-receivable</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/investing-cash-flow</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/investment-related-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/investment-tax-credit</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/investments-and-cash</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/iran-activity-notices-irannotice</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/labor-and-related-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/late-filing-notices-nt-10-k</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/lease-and-rental-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/lease-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/lessee-operating-lease-liability-undiscounted-excess-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/level-3-asset-gain-loss-included-in-earnings</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/level-3-asset-gain-loss-included-in-oci-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/level-3-asset-purchases-sales-issuances-settlements</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/level-3-asset-sales</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/level-3-asset-transfers-out-of-level</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/level-3-asset-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/liabilities-assumed</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/liabilities-fair-value-disclosure-nonrecurring</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/liabilities-fair-value-disclosure-recurring</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/line-of-credit</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/line-of-credit-facility-remaining-borrowing-capacity</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/litigation-reserve</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/litigation-settlement-interest</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/loans-and-leases-receivable-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/loans-and-leases-receivable-deferred-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/loans-and-leases-receivable-gross-carrying-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/loans-and-leases-receivable-net-of-deferred-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/loans-and-leases-receivable-net-reported-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/loans-and-leases-receivable-related-parties</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/loans-and-leases-receivable-related-parties-additions</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/loans-and-leases-receivable-related-parties-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/loans-and-leases-receivable-related-parties-collections</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/loans-and-leases-receivable-related-parties-proceeds</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/loans-receivable-held-for-sale-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/loans-receivable-held-for-sale-net-not-part-of-disposal-group</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/longterm-debt-weighted-average-interest-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/market-cap</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/marketable-securities-equity-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/marketing-and-advertising-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/material-contracts</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/maturities-of-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/maturities-of-held-to-maturity-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/minority-interest-in-limited-partnerships</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/mortgage-servicing-rights-msr-impairment-recovery</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/net-cash-from-financing-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/net-cash-from-investing-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/net-cash-from-operating-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/net-change-in-cash</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/net-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/net-income-loss-available-to-common-stockholders-basic</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/net-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/news</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/non-peo-neo-avg-comp-actually-paid-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/non-peo-neo-avg-total-comp-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/noncash-or-part-noncash-acquisition-other-assets-acquired</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/noncash-or-part-noncash-acquisition-other-liabilities-assumed</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/noncash-or-part-noncash-acquisition-value-of-assets-acquired</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/noncash-or-part-noncash-acquisition-value-of-liabilities-assumed</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/noninterest-bearing-deposit-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/noninterest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/noninterest-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/noninterest-income-other-operating-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/notes-receivable-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/notes-receivable-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/number-of-operating-segments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/number-of-reportable-segments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/occupancy-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-amortization-adjustment-from-aoci-pension-and-other-postretirement-benefit-plans-for-net-prior-service-cost-credit-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-amortization-adjustment-from-aoci-pension-and-other-postretirement-benefit-plans-for-net-prior-service-cost-credit-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-amortization-pension-and-other-postretirement-benefit-plans-net-prior-service-cost-recognized-in-net-periodic-benefit-cost-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-amortization-pension-and-other-postretirement-benefit-plans-net-prior-service-cost-recognized-in-net-periodic-pension-cost-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-available-for-sale-adjustment-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-available-for-sale-adjustment-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-available-for-sale-adjustment-net-of-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-available-for-sale-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-before-reclassifications-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-cash-flow-hedge-gain-loss-after-reclassification-and-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-defined-benefit-plans-adjustment-net-of-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-defined-benefit-plans-net-unamortized-gain-loss-arising-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-defined-benefit-plans-net-unamortized-gain-loss-arising-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-defined-benefit-plans-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-derivatives-qualifying-as-hedges-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-net-of-tax-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-net-of-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-pension-and-other-postretirement-benefit-plans-adjustment-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-pension-and-other-postretirement-benefit-plans-adjustment-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-pension-and-other-postretirement-benefit-plans-before-reclassification-adjustments-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-pension-and-other-postretirement-benefit-plans-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-reclassification-adjustment-for-write-down-of-securities-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-reclassification-adjustment-for-writedown-of-securities-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-reclassification-adjustment-for-writedown-of-securities-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-reclassification-adjustment-from-aoci-for-sale-of-securities-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-reclassification-adjustment-from-aoci-for-sale-of-securities-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-reclassification-adjustment-from-aoci-for-sale-of-securities-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-reclassification-adjustment-from-aoci-for-writedown-of-securities-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-reclassification-adjustment-from-aoci-for-writedown-of-securities-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-reclassification-adjustment-from-aoci-for-writedown-of-securities-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-reclassification-adjustment-from-aoci-pension-and-other-postretirement-benefit-plans-for-net-gain-loss-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-reclassification-adjustment-from-aoci-pension-and-other-postretirement-benefit-plans-for-net-gain-loss-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-reclassification-adjustment-from-aoci-pension-and-other-postretirement-benefit-plans-for-net-gain-loss-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-reclassification-of-defined-benefit-plans-net-gain-loss-recognized-in-net-periodic-benefit-cost-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-reclassification-of-defined-benefit-plans-net-gain-loss-recognized-in-net-periodic-benefit-cost-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-reclassification-pension-and-other-postretirement-benefit-plans-net-gain-loss-recognized-in-net-periodic-benefit-cost-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-securities-sale-reclassification-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-securities-sale-reclassification-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-securities-sale-reclassification-net-of-tax-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-securities-sale-reclassification-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-securities-sale-reclassification-tax-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-tax-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-unrealized-holding-gain-loss-on-securities-arising-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-unrealized-holding-gain-loss-on-securities-arising-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/oci-unrealized-holding-gain-loss-on-securities-arising-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-cash-flow</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-lease-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-lease-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-lease-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-lease-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-lease-payments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-lease-payments-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-lease-payments-due-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-lease-payments-due-after-rolling-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-lease-payments-due-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-lease-payments-due-in-five-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-lease-payments-due-in-four-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-lease-payments-due-in-rolling-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-lease-payments-due-in-rolling-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-lease-payments-due-in-rolling-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-lease-payments-due-in-rolling-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-lease-payments-due-in-three-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-lease-payments-due-in-two-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-lease-payments-due-next-rolling-twelve-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-lease-payments-due-thereafter</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-lease-weighted-average-discount-rate-percent</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-loss-carryforwards</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/operating-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/options-activity</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/origination-of-mortgage-servicing-rights-ms-rs</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/other-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/other-assets-miscellaneous</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/other-intangible-assets-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/other-interest-and-dividend-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/other-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/other-noninterest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/other-receivables</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/other-restructuring-costs</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/other-short-term-borrowings</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/other-than-temporary-impairment-loss-debt-securities-available-for-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/other-than-temporary-impairment-losses-investments-portion-recognized-in-earnings-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/outstanding-bonds</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/paid-in-capital-stock-compensation</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/paid-in-capital-tax-effect-from-share-based-compensation</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/patents-active</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/payments-for-legal-settlements</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/payments-for-origination-and-purchases-of-loans-held-for-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/payments-for-proceeds-from-businesses-and-interest-in-affiliates</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/payments-for-proceeds-from-life-insurance-policies</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/payments-for-proceeds-from-loans-and-leases</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/payments-for-proceeds-from-other-investing-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/payments-for-restructuring</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/payments-of-debt-issuance-costs</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/payments-of-dividends-preferred-stock-and-preference-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/payments-of-stock-issuance-costs</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/payments-to-acquire-available-for-sale-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/payments-to-acquire-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/payments-to-acquire-held-to-maturity-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/payments-to-acquire-life-insurance-policies</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/pb-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/pe-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/peer-group-total-shareholder-rtn-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/pension-and-other-postretirement-and-postemployment-benefit-plans-liabilities-current-and-noncurrent</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/pension-and-other-postretirement-benefit-contributions</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/pension-and-other-postretirement-benefit-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/peo-actually-paid-comp-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/peo-total-comp-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/pre-tax-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/preferred-shares-facts</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/preferred-stock-accretion-of-redemption-discount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/preferred-stock-dividends-income-statement-impact</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/preferred-stock-par-or-stated-value-per-share</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/preferred-stock-redemption-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/preferred-stock-shares-authorized</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/preferred-stock-shares-issued</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/preferred-stock-shares-outstanding</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/preferred-stock-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/pretax-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/pretax-income-minority-interest-and-income-loss-from-equity-method-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/previous-etf-holding-it</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/price-fcf-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/principal-amount-outstanding-of-loans-held-in-portfolio</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/proceeds-from-debt-net-of-issuance-costs</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/proceeds-from-income-tax-refunds</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/proceeds-from-life-insurance-policies</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/proceeds-from-repayments-of-short-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/proceeds-from-repayments-of-short-term-debt-maturing-in-three-months-or-less</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/proceeds-from-sale-and-maturity-of-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/proceeds-from-sale-and-maturity-of-held-to-maturity-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/proceeds-from-sale-of-available-for-sale-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/proceeds-from-sale-of-held-to-maturity-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/proceeds-from-sale-of-loans-held-for-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/proceeds-from-sale-of-loans-held-for-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/proceeds-from-sale-of-loans-receivable</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/proceeds-from-sale-of-other-assets-investing-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/proceeds-from-sale-of-productive-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/proceeds-from-short-term-debt-maturing-in-more-than-three-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/proceeds-from-stock-issued</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/proceeds-from-stock-options-exercised</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/professional-fees</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/profit-breakdown</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/profit-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/property-plant-and-equipment-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/property-plant-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/provision-for-loan-and-lease-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/provision-for-loan-lease-and-other-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/ps-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/public-float</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/quick-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/reclassification-from-accumulated-oci-current-period-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/redemption-premium</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/repayments-of-short-term-debt-maturing-in-more-than-three-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/restructuring-charges</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/restructuring-costs</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/restructuring-costs-and-asset-impairment-charges</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/restructuring-reserve</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/restructuring-reserve-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/retained-earnings</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/return-on-tangible-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/revenue-breakdown</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/right-of-use-asset-obtained-in-exchange-for-operating-lease-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/roa</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/roe</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/roi</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/sale-of-stock-price-per-share</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/scorecard</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/sec-comment-letters-upload</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/sec-enforcement-actions</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/sec-filings-10-q</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/sec-filings-25-nse</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/sec-filings-8-k</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/sec-filings-px14a6g</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/sec-filings-s-4</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/secondary-offerings</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/servicing-asset-at-fair-value-additions</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/servicing-fees-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/shareholders-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/shares-authorized</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/shares-issued</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/shares-issued-price-per-share</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/shares-outstanding</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/short-sale-volume</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/short-term-borrowings</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/short-term-debt-weighted-average-interest-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/short-term-lease-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/statutory-accounting-practices-statutory-amount-available-for-dividend-payments-with-regulatory-approval</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-award-options-exercises-in-period-average-exercise-price</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-award-options-expirations-in-period-average-exercise-price</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-award-rsu-forfeited-in-period</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-award-rsu-forfeitures-grant-date-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-award-rsu-grants-in-period</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-award-rsu-grants-in-period-grant-date-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-award-rsu-nonvested-grant-date-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-award-rsu-nonvested-number</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-award-rsu-vested-in-period</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-award-rsu-vested-in-period-grant-date-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-based-compensation</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-compensation-cash-received-from-exercise-of-stock-options</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-compensation-tax-benefit-from-compensation-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-compensation-unrecognized-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-compensation-unrecognized-cost-stock-options</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-granted-value-share-based-compensation</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-issued-new-shares-sold</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-issued-shares-issued-for-acquisitions</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-issued-shares-issued-for-options-exercised</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-issued-shares-issued-shares-issued-for-services</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-issued-shares-issued-shares-new-issues</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-issued-shares-issued-value-stock-options-exercised</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-issued-value-of-shares-issued-for-acquisitions</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-options-exercisable-average-exercise-price</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-options-exercisable-intrinsic-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-options-exercisable-number</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-options-exercises-in-period-total-intrinsic-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-options-expirations-in-period</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-options-forfeitures-and-expirations-in-period-average-exercise-price</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-options-grants-in-period-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-options-outstanding-average-exercise-price</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-options-outstanding-intrinsic-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-options-outstanding-number</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-redeemed-or-called-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-repurchase-program-number-of-shares-authorized-to-be-repurchased</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-repurchase-program-number-of-shares-authorized-to-be-repurchased-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-repurchase-program-remaining-number-of-shares-authorized-to-be-repurchased</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stock-splits</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stockholders-equity-including-portion-attributable-to-noncontrolling-interest</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/stockholders-equity-including-portion-attributable-to-noncontrolling-interest-adjusted-balance</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/sublease-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/subordinated-borrowing-interest-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/subordinated-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/subsidiaries</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/supplies-and-postage-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/tax-credit-carryforward-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/tax-cuts-and-jobs-act-reclassification-from-aoci-to-retained-earnings-tax-effect</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/tax-rate-reconciliation-at-federal-statutory-income-tax-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/tax-rate-reconciliation-nondeductible-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/tax-rate-reconciliation-nondeductible-expense-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/tax-rate-reconciliation-other-adjustments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/tax-rate-reconciliation-state-and-local-income-taxes</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/tax-rate-reconciliation-tax-credits-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/tax-rate-reconciliation-tax-exempt-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/tax-reconciliation-nondeductible-expense-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/tax-reconciliation-other-adjustments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/tax-reconciliation-state-and-local-income-taxes</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/time-deposit-maturities-after-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/time-deposit-maturities-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/time-deposit-maturities-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/time-deposit-maturities-year-one</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/time-deposit-maturities-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/time-deposit-maturities-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/time-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/time-deposits-100000-or-more</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/time-deposits-at-or-above-fdic-insurance-limit</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/total-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/total-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/total-liabilities-and-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/total-long-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/total-shareholder-rtn-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/transfer-of-loans-held-for-sale-to-portfolio-loans</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/transfer-of-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/transfer-to-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/transfer-to-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/treasury-stock-acquired-average-cost-per-share</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/treasury-stock-common-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/treasury-stock-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/treasury-stock-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/unamortized-debt-issuance-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/undistributed-earnings-allocated-to-participating-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/unusual-or-infrequent-item-insurance-proceeds</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/utb-income-tax-penalties-and-interest-accrued</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/utb-income-tax-penalties-and-interest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/variable-lease-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/weighted-average-number-of-shares-issued-basic</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/weighted-average-number-of-shares-restricted-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/weighted-average-number-of-shares-treasury-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/fisi/write-off-of-deferred-debt-issuance-cost</loc></url>
</urlset>
