Headquartered in Glens Falls, NY Fiscal year ends December NASDAQ: AROW arrowfinancial.com
Arrow Financial Corporation is a bank holding company serving northeastern and central New York. Its two operating subsidiaries are:
- Arrow Bank National Association, a full-service commercial bank.
- Upstate Agency, LLC, an insurance agency.
The bank offers retail and commercial deposits, commercial and industrial lending, commercial real estate lending, residential mortgages, and consumer lending. Consumer lending is primarily indirect auto loans sourced through about 520 dealers in New York, Vermont and New Hampshire. Arrow also provides municipal banking, wealth management and fiduciary services, and insurance brokerage. Revenue comes mainly from net interest income, supplemented by service fees, wealth management fees and insurance commissions.
On July 1, 2026, Arrow acquired Adirondack Bancorp, Inc. and Adirondack Bank of Utica, New York. The deal added roughly $600 million in loans and $900 million in deposits and expanded the footprint into central New York. During the third quarter, Arrow also bought Skene Valley Agency, Inc., an independent insurance agency in Washington County, NY.
As of September 30, 2026, the company had about $5.5 billion in assets and approximately 725 employees. Its primary service area has a population of more than 1.4 million. Updated
The Adirondack Bancorp deal is already paying: net interest income jumped 35.6% sequentially, lifting core earnings past expectations on both lines. GAAP results still carry merger costs, and management says most targeted cost savings land by the first quarter of 2027.
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Arrow Financial Corporation is a bank holding company serving northeastern and central New York. Its two operating subsidiaries are: - Arrow Bank National Association, a full-service commercial bank. - Upstate Agency, LLC, an insurance agency.
The Wall Street consensus 12-month price target for AROW is $43.50.
