Arrow Bank N.A.
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Data as of · sourced from FFIEC call reports. How we update
Arrow Bank N.A. is an FDIC-insured commercial bank headquartered in Glens Falls, NY, established in 1851 (FDIC certificate 7074), and it is supervised by the OCC. At Q2 2026 it reported total assets of $4.46B, up 1.2% from Q2 2025, the 21st largest of 105 banks headquartered in New York. Its CET1 capital ratio was 12.71% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 7074
- Headquarters
- Glens Falls, NY
- Established
- 1851
- Total assets, Q2 2026
- $4.46B
- Assets vs Q2 2025
- +1.2%
- CET1 ratio, Q2 2026
- 12.71%
- Domestic offices
- 38 FDIC institution directory, current count
- Routing number
- 021302554
- Latest call report
- Q2 2026, FFIEC 041 · Arrow Bank N.A. call report
- Holding company
- ARROW FINANCIAL CORPORATION
- Asset rank in state
- 21st of 105 in New York
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Arrow Bank N.A. is the 21st largest of the 105 banks headquartered in New York. Between Q1 2026 and Q2 2026, its total assets fell 1.0% to $4.46B, loans rose 1.7% and deposits fell 8.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 39.2% of total loans, ahead of auto loans at 30.8%. The FDIC Summary of Deposits lists 38 offices for it, in 29 cities in NY; its Glens Falls 2 offices book 32% of its branch deposits. Judged on its Q2 2026 call report, Arrow Bank N.A. meets every capital ratio test for well capitalized.
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
- Domestic offices
- 38 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Arrow Bank N.A.'s total assets moved between a low of $3.27B (Q4 2023) and a high of $4.58B (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.46B total assets against $4.41B; $4.03B total liabilities against $4.00B.
$3.46B net loans and leases against $3.39B; $3.68B total deposits against $3.93B.
$566.8M securities against $521.5M; $186.8M cash and balances due against $268.4M.
$53.6M total interest income against $51.6M; $17.5M total interest expense against $18.9M.
$36.1M net interest income against $32.7M.
$8.1M total noninterest income against $7.5M; $27.1M total noninterest expense against $25.5M.
$2.9M provision for credit losses against $556K.
$11.1M net income against $11.0M.
1.00% return on assets against 1.01%; 3.45% net interest margin against 3.17%.
12.71% CET1 capital ratio against 12.88%; 9.33% tier 1 leverage ratio against 9.26%.
Inside the full Arrow Bank N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeArrow Bank N.A. rankings
Its closest position to the top of a national ranking is 304 of 4,196, for total assets; its furthest is 1,501 of 2,134, for CET1 ratio.
Banks merged into Arrow Bank N.A.
- Adirondack Bank, effective July 1, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.59% (Q1 2025) to 1.25% (Q4 2025) and its net interest margin ran from 2.80% (Q3 2024) to 4.61% (Q4 2024).
| 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
View all 38 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2026 | M&A | Acquired Adirondack Bank merger for the acquired bank | SEC |
| 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 | Structure Change | Acquired U.S. Benefits, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2010 | M&A | Acquired U.S. Benefits, Inc. merger for the acquired bank | SEC |
| 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
Facts as filed or published, not a rating.
- 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 176 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Arrow Bank N.A. headquartered?
It is headquartered in Glens Falls, NY, United States.
When was Arrow Bank N.A. founded?
It was established in 1851, per the FDIC institution directory.
Is Arrow Bank N.A. FDIC-insured?
Yes. It 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.
What is Arrow Bank N.A.'s CET1 capital ratio?
It 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?
It operates 38 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?
Its Texas Ratio is 1.91% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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