AROW

Arrow Financial Corporation operates as a multi-bank holding company providing comprehensive banking and financial services across upstate New York through its two wholly-owned community bank subsidiaries: Glens Falls National Bank and Saratoga National Bank. Founded in 1851 and headquartered in Glens Falls, New York, Arrow Financial serves individuals, businesses, and municipalities through 40 banking offices spanning eight counties in northeastern New York including the Albany, Saratoga, Glens Falls, and Lake George regions. The company offers traditional community banking services including checking and savings accounts, residential and commercial mortgages, business lending, consumer loans, wealth management, retirement planning, and insurance services through its financial advisory division. Arrow Financial emphasizes relationship-based banking with local decision-making authority, contrasting with larger regional banks using centralized approval processes. The holding company reported total assets exceeding $4 billion and employs approximately 500 people serving over 45,000 customer households. Arrow Financial maintains strong capital ratios and conservative lending practices, resulting in consistently low loan loss provisions and stable profitability throughout economic cycles. The company focuses on organic growth within its existing geographic footprint while selectively pursuing strategic acquisitions that complement its community banking model.