Exhibit 99.1

KBW Community Bank Investor Conference July 30-31, 2013 NASDAQ: FISI 1

Martin K. Birmingham President and Chief Executive Officer Management Presentation 2

Statements contained in this presentation which are not historical facts and which pertain to future operating results of Financial Institutions, Inc. and its subsidiaries constitute "forward looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. These forward looking statements involve significant risks and uncertainties. We refer you to the documents the Company files from time to time with the Securities and Exchange Commission, specifically the Company's last filed Form 10-K and Form 10-Q. These documents contain and identify important factors that could cause actual results to differ materially from those contained in our projections or forward looking statements. The Company assumes no obligation to update any information presented herein. 3

Investor Highlights Focused on Mission to Deliver on Our Promise Strengthened and Deep Management Team to Drive Performance Remain Positioned for Growth Organic Strategy On Track Proven M&A Acumen Low Cost Operating Emphasis Effective Enterprise Risk Management Solid Capital Structure Attractive Dividend Yield Delivering on Our Promise to All Stakeholders 4

Our Promise All Strategic Initiatives Focused on Delivering on our Promise Board & Management Accountability Measurement and Monitoring Tools in Place Enhance Customer Experience Employee Experience Shareholder Value 5

Our Approach Building Management Depth Attract and retain talent Promote from within - create career opportunities Operational Efficiency Focus on revenue growth Responsible expense management Opportunistic Acquisitions Sound Risk Management Disciplined lending Organic growth Balance between volume and credit risk 6

2012/2013 Management Transition and Strengthening Peter Humphrey retired on August 28, 2012 35 years of loyal and dedicated service, 18 years President & CEO Management Depth Martin Birmingham Joined the Company in 2005, named President & CEO in March 2013 Rick Harrison Joined the Company in 2003, named Chief Operating Officer in August 2012 Kevin Klotzbach Joined the Company in 2001, Named Chief Financial Officer in April 2013 Mike Grover Joined the Company in 1999, Named Chief Accounting Officer in April 2013 7

Employee Development Necessary Part of Growth and Expansion Strategy Created the Five Star Bank Experience Core Beliefs "We work as a team in an environment of trust, integrity and mutual respect where successes are recognized" "Every interaction is an opportunity to deliver a friendly, professional, relationship building experience" Developed Recognition System Incorporated into hiring, evaluation and incentive processes 8

Employee Development Regular Employee & Customer Assessments Correlation between Employee Satisfaction and Customer Satisfaction Satisfied Employees = Satisfied Customers Satisfied Customers = Shareholder Value 9

Customer Experience New Service Offerings Mobile Banking 102% increase in Mobile banking users since January 2013 Enhanced Web Presence Online Account Opening Updated Online Banking & Bill Payor Renewed emphasis on e-statements 200% increase in e-statement penetration since January 2013 New Product Offerings Enhanced Retail Checking Products Debit Card Rewards 5% increase in debit card transactions since January 2013 Expanded Indirect Lending 10

Customer Experience "Made for You" Philosophy Give the Customer the Power of Choice Robust Products State of the Art Technology Convenient Locations Outstanding Service 11

Indirect Lending as a Core Business Large market Favorable competitive conditions and risk- adjusted returns Natural risk dispersion that comes with retail loans Relatively short duration loans Necessary expertise available 12

Strength Through Experienced Key Personnel Most of the key personnel have auto finance experience that includes American Credit Services, Inc. (ACSI), a wholly owned subsidiary of Rochester Community Savings Bank, which subsequently became Charter One Auto Finance (COAF). COAF originated over $2B/year in 21 states and had a serviced portfolio in excess of $6.5B. Given the common backgrounds, the team has a long history of collaborative accomplishment. 13 Indirect Lending as a Core Business

Experience of Key Personnel Function Years of Experience Underwriting Manager 25 Credit Administration 35 Sales Manager 25 Collections Manager 30 Underwriting Supervisor 15 Loan Processing Supervisor 20 14 Indirect Lending as a Core Business

Originating prime loans - average credit score is 721 We originate through approximately 420 franchised automobile dealerships No independent used car dealerships All dealers are within upstate New York and northern Pennsylvania 15 Indirect Lending as a Core Business

(CHART) Indirect Loan Volume ($ Millions) 16 Indirect Lending as a Core Business

(CHART) Indirect Net Charge-Off % 17 Indirect Lending as a Core Business

Indirect Auto Vintage Analysis As of 6/30/2013 18 Indirect Lending as a Core Business

Successful Branch Acquisitions 19

Successful Branch Acquisitions Acquired 4 former First Niagara Offices on June 22, 2012 $129.6 Million in Deposits Entered Orleans County Strengthened presence in Genesee and Seneca Counties Acquired 4 former HSBC Offices on August 17, 2012 $157.2 Million in Deposits Gained Significant Market Share in Chemung County Consolidated 4 of the 8 acquired branches into existing FSB offices 20

Successful Branch Acquisitions Solid Execution Detailed planning Seamless integration Extended customer service hours Satisfied Customers Deposit Retention Levels Higher than Projected 21

Growth Opportunities $ 29.8 Billion $ 10.9 Billion $ 1.0 Billion * Source - SNL Financial 22

Financial Overview Kevin B. Klotzbach EVP and Chief Financial Officer/Treasurer 23

FINANCIAL Highlights Jun YTD 2013 2012 % Change vs. 2011 BALANCE SHEET BALANCE SHEET BALANCE SHEET BALANCE SHEET Loans $ 1,743,414 $ 1,705,726 14.9% Deposits $ 2,324,236 $ 2,261,794 17.1% INCOME STATEMENT INCOME STATEMENT INCOME STATEMENT INCOME STATEMENT Net Interest Income $ 45,411 $ 88,516 8.1% Non Interest Income $ 12,929 $ 24,777 3.7% Net Income $ 12,999 $ 23,449 2.6% GAAP EPS $ 0.89 $ 1.60 7.4% Common Dividends $ 0.36 $ 0.57 21.3% Key Statistics Dollars in thousands except Earnings per Share and Common Dividend data 24

Net Interest incomE anD noninterest INCOME (CHART) CAGR ('09-'12) 6% * All periods exclude OTTI & Securities Gains 25 7% increase

(CHART) noninterest INCOME * All periods exclude OTTI & Securities Gains 26 (CHART)

FINANCIAL overview Strong Net Interest Margin (CHART) 27

(CHART) Financial overview Efficiency Ratio Expense as a Percent of Revenue * Peer group average is the SNL Bank $1B to $5B Index. 28

(CHART) CAGR ('4Q, 09- 4Q, 12) 10.5% 29 $ Millions

$ Millions 2011 2012 Jun YTD '13 2012 Peer Group* Non-Performing Loans Non-Performing Loans Non-Performing Loans Non-Performing Loans Non-Performing Loans Balances $7.1 $9.1 $11.3 Percent 0.48% 0.53% 0.65% 2.41% Net Loan Charge Offs Net Loan Charge Offs Net Loan Charge Offs Net Loan Charge Offs Net Loan Charge Offs Balances $5.0 $5.7 $3.0 Percent 0.36% 0.36% 0.35% 0.81% Allowance for Loan Losses Allowance for Loan Losses Allowance for Loan Losses Allowance for Loan Losses Allowance for Loan Losses Balances $23.3 $24.7 $25.6 Percent 1.57% 1.45% 1.47% 1.90% financial overview CREDIT Quality * Peer group average is the SNL Bank $1B to $5B Index. 30

financial overview Low Risk Investment Portfolio (CHART) 31

(CHART) (CHART) Financial OVERVIEW 1,883 1,932 2,262 2,324 32

2011 2012 Jun YTD '13 Leverage Ratio 8.63% 7.71% 7.59% Tier 1 Risk-Based Capital 12.20% 10.73% 10.96% Total Risk-Based Capital 13.45% 11.98% 12.21% Common Dividend Payout Ratio 31.33% 35.63% 40.45% Return on Average Tangible Common Equity 11.55% 11.74% 13.11% FINANCIAL OVERVIEW capital Management * Peer group average is the SNL Bank $1B to $5B Index. Well Capitalized 38.27% 2012 Peer Group* 9.37% 33

Total Shareholder Return (CHART) 34

Investor Merits & Metrics Metric 6/30/2013 Price-to-Earnings (LTM) * 13.36x Price-to-Tangible Book * 1.66x Return on Average Assets (LTM) 0.87% Return on Average Common Equity (LTM) 9.32% Annualized Dividend Rate $0.72 Dividend Yield * 3.37% Strong Management Team Positioned for Growth Organic Strategy On Track M&A Opportunities Scalable Organization Low Cost and Streamlined Operating Emphasis Effective Enterprise Risk Management Solid Capital Structure Undervalued Stock Attractive Dividend Yield Delivering on Our Promise *Based on share price as of the close business on 7/24/13 35

Thank you. Martin K. Birmingham President and Chief Executive Officer Kevin B. Klotzbach EVP and Chief Financial Officer/Treasurer NASDAQ: FISI 36