Welcome to our dedicated page for Arrow Finl SEC filings (Ticker: AROW), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Arrow Financial Corporation (NASDAQ: AROW) SEC filings page provides access to the company’s regulatory disclosures as filed with the U.S. Securities and Exchange Commission. Arrow is a New York corporation and bank holding company for Arrow Bank National Association and other subsidiaries, and it uses SEC reports and current reports on Form 8-K to communicate material information to investors.
Through this page, users can review Arrow’s current reports on Form 8-K that address topics such as quarterly financial results, dividend declarations, share repurchase authorizations, appointments of directors and executive arrangements, and updates on shareholder derivative litigation. For example, recent 8-K filings describe the preliminary court approval of a stipulation and agreement of settlement resolving a shareholder derivative complaint, the appointment of a new director to the Board of Directors, and quarterly cash dividend declarations.
In addition to 8-Ks, investors typically look to Arrow’s annual reports on Form 10-K and quarterly reports on Form 10-Q for detailed discussions of net interest income, loan and deposit balances, credit quality, capital ratios and risk factors relevant to a commercial banking organization. These filings complement the earnings releases that Arrow furnishes as 8-K exhibits and reference in its news.
On Stock Titan, AI-powered tools can help interpret lengthy filings by highlighting key sections related to capital strength, allowance for credit losses, nonperforming assets, regulatory capital ratios and the financial impact of any disclosed settlements or non-core items. Users can also monitor insider and governance-related disclosures, such as director appointments and professional services agreements with former executives, as reported under Item 5.02 of Form 8-K. This makes it easier to follow how Arrow’s regulatory reporting reflects its banking, insurance and investment activities over time.
Arrow Financial Corporation and Adirondack Bancorp, Inc. entered into a merger agreement providing for a two-step combination in which Merger Sub will merge into Adirondack, Adirondack will then merge into Arrow, and, at Arrow’s election, Adirondack Bank will merge into Arrow Bank. Each share of Adirondack common stock will be converted into 1.8610 shares of Arrow common stock plus $18.72 in cash.
Based on Arrow’s $34.43 closing price on February 25, 2026, the merger consideration implied ≈$82.79 per Adirondack share. Arrow expects to issue ≈2.0 million shares to Adirondack shareholders and estimates former Adirondack shareholders will own ≈11% of Arrow post-closing. The Adirondack special meeting is scheduled for June 9, 2026; record date was April 28, 2026.
Arrow Financial Corporation reported solid first-quarter 2026 results and declared a higher quarterly dividend. Net income was $13.5 million, or $0.82 per diluted share, compared with $14.0 million and $0.85 in the fourth quarter of 2025. Results included about $790 thousand of merger-related expenses tied to the pending Adirondack Bancorp acquisition; excluding these, core EPS was $0.85, matching the prior quarter and described as a record operating result.
Net interest income rose to $36.1 million and the fully tax-equivalent net interest margin improved to 3.48% from 3.25%, helped by higher earning-asset yields and lower funding costs. Return on average assets was 1.23% (1.29% core), and the efficiency ratio was 59.89% (58.13% core). Credit quality remained strong, with net charge-offs of 0.10% of average loans and nonperforming loans at 0.13% of total loans.
Total assets reached $4.5 billion, loans were $3.4 billion, and deposits were $4.0 billion, supported by seasonal municipal inflows. Regulatory capital stayed well above “well capitalized” levels, including a Common Equity Tier 1 ratio of 13.30%. The Board declared a quarterly cash dividend of $0.30 per share, payable May 26, 2026, to shareholders of record on May 12, 2026.
Arrow Financial Corporation is asking shareholders to vote at its virtual 2026 Annual Meeting on four Class A director elections, 2025 executive pay and ratification of Crowe as 2026 auditor. The proxy highlights 2025 record performance, including net income of $44.0 million and diluted EPS of $2.65, reflecting 50% earnings-per-share growth. Net interest margin improved to 3.17%, tangible book value per share grew more than 10%, and fourth-quarter return on average assets topped 1.20%. The Board outlines a pay-for-performance program using salary, annual incentives and multi‑year restricted stock, plus stock ownership guidelines, clawback and no tax gross‑ups. Shareholders of record on April 6, 2026, owning 16,526,628 outstanding shares in total, are entitled to vote.
Arrow Financial Corporation has agreed to acquire Adirondack Bancorp, Inc. through a series of mergers under an Agreement and Plan of Merger dated February 25, 2026.
Under the merger terms, each outstanding share of Adirondack common stock will be converted into 1.8610 shares of Arrow common stock plus $18.72 in cash. Based on Arrow’s closing price of $34.43 on February 25, 2026, the merger consideration represented approximately $82.79 per Adirondack share and an aggregate implied value of approximately $89.1 million. Completion requires Adirondack shareholder approval, regulatory approvals, effectiveness of this Form S-4 registration statement and other customary conditions.
Arrow Financial Corp director Philip C. Morris reported a small optional cash purchase of common stock under the company’s dividend reinvestment plan (DRIP). The transaction on April 13, 2026 covered 28 shares at $36.33 each, bringing his directly held position to 7,535 shares.
Arrow Financial Corporation filed an Amendment No. 1 to its annual report for the year ended December 31, 2025. The sole purpose is to add Exhibit 97.1, the Arrow Financial Corporation Clawback Policy adopted as of December 1, 2023, which was inadvertently omitted previously.
The company states there were no changes to the clawback policy during 2025 and no other changes to the original annual report. As of the last business day of its most recently completed second fiscal quarter, non‑affiliate common equity market value was $426,347,636, and 16,511,643 common shares were outstanding as of February 27, 2026.
Arrow Financial Corp: The Vanguard Group filed an Amendment No. 1 to its Schedule 13G/A reporting that, following an internal realignment, it beneficially owns 0 shares (0%) of Arrow Financial Corp common stock. The filing states Vanguard disaggregated certain subsidiaries or business divisions per SEC Release No. 34-39538 after the January 12, 2026 realignment; the amendment is signed on 03/26/2026.
Arrow Financial Corp director Tenee R. Casaccio reported an "other" stock transaction involving 354 shares of common stock at $31.76 per share, tied to a quarterly director's retainer payment. Following this event, Casaccio directly holds 28,162 shares of Arrow Financial common stock.
A footnote explains that this total includes 217 shares acquired under the company’s dividend reinvestment plan since January 28, 2026, which were not previously required to be reported. The filing mainly updates the director’s overall share holdings rather than recording a typical open-market purchase or sale.
Arrow Financial Corp director Gregory J. Champion reported an "other" stock transaction tied to his quarterly director retainer. He received 492 shares of common stock at $31.76 per share as compensation, bringing his directly held stake to 11,515 shares. This total includes 80 shares acquired through the company’s dividend reinvestment plan since January 28, 2026, which were not previously reportable on Form 4. The filing reflects routine, compensation-related share issuance rather than an open-market buy or sell.