ARROW FINANCIAL CORP

ARROW FINANCIAL CORP

Arrow Financial Corp operates as a National Commercial Bank (SIC 6021) delivering traditional community banking services such as deposit products, commercial and consumer lending, mortgage servicing, and treasury management to individuals, families, and local businesses across its regional footprint. The company pairs relationship-driven advice with digital channels to support small enterprises, middle-market borrowers, and retail customers seeking savings, checking, and credit solutions calibrated to their cash flow needs. Holding company oversight, capital adequacy mandates, and the interest-rate-sensitive nature of lending expose it to market fluctuations, credit performance pressures, and regulatory scrutiny from federal and state agencies, so sustained compliance with Basel-like standards and the Community Reinvestment Act remains material. With a long-established borrower base, Arrow uses recurring fee income and prudent underwriting to offset deposit competition while adhering to FDIC and Federal Reserve rules. CIK 717538 and ticker AROW reflect this steady banking franchise; Form 10-Q filed Nov 1999 outlines the latest reporting snapshot, so view live SEC filings on Earnings Feed.