Arrow Financial(NASDAQ) AROW

Arrow Financial Corporation helps people and local businesses manage money. It provides loans for cars, houses, and business needs. The bank also manages retirement savings and insurance.

A Menu of Financial Services

• Residential Real Estate: Mortgages and home equity lines of credit for individual homeowners.
• Consumer Lending: Automobile loans and personal credit lines provided through local dealerships and branches.
• Commercial Banking: Term loans and revolving lines of credit for small and mid-sized companies.
• Wealth and Trust: Retirement planning, estate management, and employee benefit plan administration.
• Insurance Agency: Property, casualty, health, and life insurance policies for businesses and individuals.

Growth Through Local Expansion

• Unified former subsidiaries Glens Falls National Bank and Saratoga National Bank into Arrow Bank on Dec. 31, 2024.
• Entered into a definitive agreement to acquire Adirondack Bancorp, Inc. on Feb. 25, 2026.
• Completed the acquisition of Adirondack Bancorp, Inc. and Adirondack Bank on July 1, 2026.
• Added 19 branch locations across Oneida, Herkimer, Franklin, Essex, and Clinton counties through the Adirondack merger.

What Makes Arrow Different?

Arrow operates a specialized indirect lending program that originates the vast majority of its automobile loans through a regional network of dealerships. The company also maintains a diverse revenue stream by integrating insurance and wealth management services alongside traditional banking.

The Numbers Behind the Bank

• Net income was $11.0 million in the second quarter of 2026, up 1.5% year over year.
• Net interest income reached $35.9 million for the quarter ended June 30, 2026, up 10.4% year over year.
• Total assets were $4.5 billion at June 30, 2026, up 0.8% from Dec. 31, 2025.
• The efficiency ratio was 62.02% for the second quarter of 2026, compared to 63.41% in the prior year period.

Bottom Line

Arrow has transitioned from a multi-bank structure into a unified regional institution with expanded operations across New York. The recent acquisition of Adirondack Bank strengthens its market presence and adds to its diversified financial service offerings.