Arrow Bank N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Arrow Bank N.A. is the primary bank subsidiary of its parent holding company, headquartered in Glens Falls, NY. Total assets stand at $4.5B. Profitability tracks the broader industry: ROA 1.00%, ROE 10.30%, NIM 3.45%. Regulatory capital is solid, 12.71% CET1 and 13.87% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.20%. Arrow Bank N.A operates a 56-branch network.
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 0.20%, a Texas ratio of 1.99%, per financial data 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
- 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 |
|---|---|---|
| Demarco David S. | CEO | President & CEO |
| Ivanov Penko Krassimir | CFO | SEVP, Treasurer and CFO |
| Jacobs Michael Joseph | CIO | EVP, Chief Information Officer |
| Wise Andrew J | CRO | SEVP, Chief Risk Officer |
| Kaiser David D | CCO | CCO & SEVP |
Profitability
Capital & 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.
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.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
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
25 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% | 0.20% | 1.99% | 3.45% |
| Q1 2026 | 13.41% | 1.23% | 0.14% | 1.22% | 3.45% |
| Q4 2025 | 13.14% | 1.25% | 0.22% | 2.17% | 3.30% |
| Q3 2025 | 13.16% | 1.16% | 0.16% | 1.49% | 3.28% |
| Q2 2025 | 12.88% | 1.01% | 0.16% | 1.49% | 3.17% |
| Q1 2025 | 12.75% | 0.59% | 0.55% | 4.57% | 2.99% |
| Q4 2024 | 12.86% | 1.03% | 0.60% | 5.13% | 4.61% |
| Q3 2024 | 12.97% | 0.79% | 0.83% | 6.96% | 2.80% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and 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 | merger | 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 | merger | 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 | merger | 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 | merger | 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 | merger | 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 | merger | 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.
- 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 required of all FDIC-insured commercial banks.
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 1.99% 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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