Arrow Bank N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Arrow Bank N.A., based in Glens Falls, New York, reported $4.5 billion in assets at June 30, 2026, up 1.2% from a year earlier. It lost 6.5% of its deposits over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.1%). It also funds 9.33% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
Loans and deposits moved in opposite directions: over the year loans rose 2.1% and deposits fell 6.5%. Delinquency has appeared in its $387 million non-owner-occupied commercial real estate book: 1.76% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Arrow Bank N.A. reported a CET1 capital ratio of 12.71%, a return on assets of 1.00%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 1.91%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 250 Glen St, Glens Falls, NY 12801
- County
- Warren
- Metro Area
- Glens Falls, NY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1851
- Offices
- 56 domestic
- Employees (FTE)
- 628
- Domestic deposits
- $3.68B
- Allowance for credit losses
- $36.2M
- Net charge-offs (YTD)
- $1.5M
- Average total assets
- $4.42B
- Average total loans
- $3.47B
- Average interest-bearing deposits
- $3.07B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7074
- Fed RSSD
- 866000
- SEC CIK
- 717538 → filed by ARROW FINANCIAL CORPORATION
- Website
- www.arrowbank.com →
- Parent Holding Company
- ARROW FINANCIAL CORPORATION (RSSD 1048812) · AROW
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| David S. Demarco | CEO | President & CEO |
| Ivanov Penko Krassimir | CFO | SEVP, Treasurer and CFO |
| Andrew J Wise | COO | SVP, Chief Operating Officer |
| Jacobs Michael Joseph | CIO | EVP, Chief Information Officer |
| David D Kaiser | CCO | CCO & SEVP |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Arrow Bank N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Arrow Bank N.A., freeArrow Bank N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Arrow Bank N.A.
- Adirondack Bank, effective July 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.71% | 1.00% | 0.24% | 1.91% | 3.45% |
| Q1 2026 | 13.41% | 1.23% | 0.13% | 0.99% | 3.45% |
| Q4 2025 | 13.14% | 1.25% | 0.24% | 1.93% | 3.30% |
| Q3 2025 | 13.16% | 1.16% | 0.18% | 1.48% | 3.28% |
| Q2 2025 | 12.88% | 1.01% | 0.18% | 1.49% | 3.17% |
| Q1 2025 | 12.75% | 0.59% | 0.56% | 4.56% | 2.99% |
| Q4 2024 | 12.86% | 1.03% | 0.61% | 5.12% | 4.61% |
| Q3 2024 | 12.97% | 0.79% | 0.85% | 6.95% | 2.80% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 38 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Arrow Bank N.A. (main office) | Glens Falls , NY | 12801 | $1.10B |
| Queensbury Branch | Queensbury , NY | 12804 | $284.6M |
| South Broadway Branch | Saratoga Springs , NY | 12866 | $217.9M |
| South Glens Falls Branch | South Glens Falls , NY | 12803 | $143.9M |
| Kingsbury Branch | Hudson Falls , NY | 12839 | $122.6M |
| Smithfield Boulevard Branch | Plattsburgh , NY | 12901 | $121.0M |
| Lake George Branch | Lake George , NY | 12845 | $100.0M |
| Chester-Schroon-Horicon Branch | Chestertown , NY | 12817 | $94.8M |
| Warrensburg Branch | Warrensburg , NY | 12885 | $86.6M |
| Broad Street Plaza Branch | Glens Falls , NY | 12801 | $77.1M |
| Schroon Lake Branch | Schroon Lake , NY | 12870 | $75.4M |
| Ticonderoga Branch | Ticonderoga , NY | 12883 | $70.8M |
| Exit 18 Office Branch | Queensbury , NY | 12804 | $70.2M |
| Schuylerville Branch | Schuylerville , NY | 12871 | $68.3M |
| Fort Edward Branch | Fort Edward , NY | 12828 | $66.9M |
| Durkee Street Branch | Plattsburgh , NY | 12901 | $65.6M |
| Granville Branch | Granville , NY | 12832 | $61.3M |
| Argyle Branch | Argyle , NY | 12809 | $60.3M |
| Cambridge Branch | Cambridge , NY | 12816 | $60.1M |
| Route 9 Branch | Saratoga Springs , NY | 12866 | $56.5M |
| Bay Road Branch | Queensbury , NY | 12804 | $56.0M |
| Colonie Branch | Albany , NY | 12205 | $53.5M |
| Luzerne Branch | Lake Luzerne , NY | 12846 | $51.6M |
| Greenwich Drive - in Office Branch | Greenwich , NY | 12834 | $49.9M |
| Salem Branch | Salem , NY | 12865 | $48.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2026 | M&A | Acquired Adirondack Bank merger for the acquired bank | SEC |
| July 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2026 | Structure Change | Acquired Adirondack Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2025 | M&A | Acquired Saratoga National Bank and Trust merger for the acquired bank | SEC |
| January 1, 2025 | Structure Change | Acquired Saratoga National Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2010 | M&A | Acquired U.S. Benefits, Inc. merger for the acquired bank | SEC |
| September 1, 2010 | Structure Change | Acquired U.S. Benefits, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 1973 | M&A | Acquired The Cambridge Valley National Bank merger for the acquired bank | SEC |
| November 1, 1973 | Structure Change | Acquired The Cambridge Valley National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 31, 1973 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 2, 1973 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1973 | M&A | Acquired The National Bank of Schuylerville merger for the acquired bank | SEC |
| July 1, 1973 | Structure Change | Acquired The National Bank of Schuylerville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 1968 | M&A | Acquired Chester Schroon Horicon Bank merger for the acquired bank | SEC |
| January 2, 1968 | Structure Change | Acquired Chester Schroon Horicon Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 16 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Arrow Bank N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- July 22, 1992, Federal Reserve: Written Agreement: Arrow Financial Corporation, Glens Falls, NY and Arrow Vermont Corporation, Rutland, VT
- Period: Most recent institution action July 22, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in NY, rank 45 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,341 applications, 847 loans originated, $251.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 18 loans, $1.9M approved, $107K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Arrow Bank N.A.
What are Arrow Bank N.A.'s total assets?
As of the Q2 2026 filing, Arrow Bank N.A. reported total assets of $4.46 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Arrow Bank N.A. headquartered?
Arrow Bank N.A. is headquartered in Glens Falls, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Arrow Bank N.A. founded?
Arrow Bank N.A. was established in 1851, per the FDIC institution directory.
Is Arrow Bank N.A. FDIC-insured?
Yes. Arrow Bank N.A. is an FDIC-insured commercial bank (FDIC Certificate #7074). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Arrow Bank N.A.?
Arrow Bank N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Arrow Bank N.A.'s CET1 capital ratio?
Arrow Bank N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 12.71% in its Q2 2026 call report, above regulatory requirements.
How many branches does Arrow Bank N.A. operate?
Arrow Bank N.A. operates 56 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Arrow Bank N.A.'s Texas Ratio?
Arrow Bank N.A.'s Texas Ratio is 1.91% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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