Since its IPO in 1998, First Niagara has strategically acquired and effectively integrated six banks and fourteen financial services companies. As a result, First Niagara is now a multi market community banking and financial services company that provides its customers with a full range consumer and commercial banking services. Additionally, the Company offers Web Banking, health savings accounts, risk management, wealth management, cash management and merchant banking products and services.

Through steady organic growth, the Company now reaches across New York State with over 1800 employees. In the last five years alone, First Niagara has tripled in size; adding new markets, services and sources of income. The bank's deposit market share is highest out of all FDIC-insured institutions in Cayuga, Rensselaer, and Columbia counties and is among the top six for deposit market share in Niagara, Erie, Schenectady, Cortland, and Albany counties. Overall, within the 24 counties served, First Niagara is fifth in overall deposit market share.

First Niagara has stayed committed to the communities served through offering financial support and the talent and time of employees to local nonprofits.