Arrow Bank N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Arrow Bank N.A. of Glens Falls, NY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.00% | 1.46% | -0.46% | 29th below |
| ROAE | 10.30% | 12.72% | -2.42% | 35th below |
| Net Interest Margin | 3.45% | 3.85% | -0.40% | 33rd below |
| Efficiency Ratio | 60.97% | 57.40% | +3.57% | 42nd below |
| PPNR / Avg Assets | 1.54% | 1.88% | -0.34% | 39th below |
| Yield on Earning Assets | 5.11% | 5.72% | -0.61% | 25th below |
| Cost of Funds | 1.78% | 2.02% | -0.24% | 63rd above |
| Net Interest Spread | 2.97% | 3.18% | -0.21% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 1.00% | -0.80% | 81st top |
| NPA / Total Assets | 0.16% | 0.76% | -0.60% | 80th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.43% | -0.35% | 32nd below |
| ACL / Total Loans | 1.03% | 1.31% | -0.28% | 34th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 505.35% | 543.42% | -38.07% | 82nd top |
| Texas Ratio | 1.99% | 7.40% | -5.41% | 77th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 222.92% | 619.41% | -396.49% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.71% | 17.35% | -4.64% | 37th below |
| Tier 1 Ratio | 12.71% | 17.38% | -4.67% | 36th below |
| Total Capital Ratio | 13.87% | 18.43% | -4.56% | 38th below |
| Leverage Ratio | 9.33% | 11.44% | -2.11% | 19th bottom |
| Equity / Assets | 9.50% | 11.34% | -1.84% | 31st below |
| TCE / Tangible Assets | 8.98% | 10.50% | -1.52% | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.12% | 86.94% | +8.18% | 29th below |
| Core Deposit Ratio | 96.40% | 85.54% | +10.86% | 92nd top |
| Uninsured Deposit Ratio | 30.32% | 33.13% | -2.81% | 52nd above |
| Wholesale Funding Ratio | 7.07% | 5.70% | +1.37% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.16% | 9.70% | -8.54% | 23rd bottom |
| Loan Growth (Y/Y) | 2.10% | 8.07% | -5.97% | 29th below |
| Deposit Growth (Y/Y) | -6.46% | 7.89% | -14.35% | 3rd bottom |
See Arrow Bank N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Arrow Bank N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Arrow Bank N.A. profile, how to read a UBPR, or how this data updates.