Every 10-Q that Arrow Financial Corp (AROW) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow AROW and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full AROW filings page.
Arrow Financial Corporation reported net income of 10,962 thousand for the quarter and 24,447 thousand for the six months ended June 30, 2026, compared with 10,805 thousand and 17,115 thousand a year earlier. Basic and diluted EPS were $0.66 for the quarter and $1.48 year‑to‑date.
Net interest income rose to 35,931 thousand in the quarter from 32,533 thousand as interest expense declined to 17,686 thousand. The provision for credit losses was 2,827 thousand in the quarter and 3,375 thousand year‑to‑date versus 5,613 thousand in 2025. Non‑interest income was 8,256 thousand, and non‑interest expense was 27,464 thousand. Total assets were 4,482,359 thousand at June 30, 2026, with loans of 3,496,541 thousand. Total deposits decreased to 3,655,205 thousand from 3,939,469 thousand at December 31, 2025, while FHLBNY term advances increased to 310,190 thousand from 4,265 thousand. Stockholders’ equity rose to 446,306 thousand, including accumulated other comprehensive loss of 5,390 thousand. The allowance for credit losses on loans increased to 36,183 thousand, with total past due loans of 31,048 thousand and nonaccrual loans of 6,814 thousand.
Arrow Financial Corporation reports stronger results for the quarter ended March 31, 2026. Net income rose to $13,485 thousand from $6,310 thousand a year earlier, with diluted earnings per share increasing to $0.82 from $0.38.
Total assets reached $4,522,019 thousand, driven mainly by a $3,438,966 thousand loan portfolio and $518,803 thousand of available-for-sale securities. Total deposits were $4,013,939 thousand, funding most of the balance sheet.
Net interest income improved to $36,130 thousand from $31,357 thousand, helped by lower interest expense and higher interest and fees on loans. The provision for credit losses on loans decreased sharply to $548 thousand from $5,019 thousand, while the allowance for credit losses on loans was $34,055 thousand.
Non-interest income increased to $8,628 thousand, led by fiduciary activities, customer fees and insurance commissions, while non-interest expense stayed relatively stable at $26,865 thousand. Comprehensive income was $12,758 thousand, reflecting a modest other comprehensive loss of $727 thousand from securities and hedge valuation movements.
Arrow Financial (AROW) reported stronger Q3 2025 results. Net income rose to $12.8M from $9.0M a year ago, and diluted EPS was $0.77 versus $0.53. Net interest income improved to $34.1M from $28.4M as interest expense eased year over year, while the provision for credit losses was $0.8M.
Non‑interest income was $8.7M and non‑interest expense was $25.4M. Total assets reached $4.59B and deposits were $4.10B. Loans stood at $3.44B with an allowance for credit losses of $34.2M. Accumulated other comprehensive loss improved to $(8.6)M from $(18.5)M at year‑end, reflecting higher securities fair values and hedge dynamics.
Liquidity strengthened: cash and cash equivalents were $397.4M versus $154.5M at December 31, 2024. Year‑to‑date, the company repurchased 379,814 shares for $10.1M and paid cash dividends of $0.85 per share. Shares outstanding were 16,442,453 as of October 31, 2025.
Arrow Financial (AROW) Q2 2025 10-Q highlights
• Net income climbed 26% YoY to $10.8 M; diluted EPS $0.65 vs $0.52.
• Net interest income rose 20% to $32.5 M as earning-asset growth and lower funding costs offset rate pressure; interest expense fell 8%.
• Quarterly provision only $0.6 M, but 1H-25 provisioning surged to $5.6 M (vs $1.4 M YTD-24), lifting the allowance to $34.2 M (≈1.0% of loans).
• Non-interest income slipped 3% while operating expenses grew 10%, tempering margin gains.
• Loans inched up 0.9% YTD to $3.43 B; deposits advanced 2.6% to $3.93 B, trimming the loan-to-deposit ratio to 87%.
• Liquidity strengthened: cash & equivalents $268 M (+74% YTD). Unrealized securities losses narrowed, generating $7.6 M OCI and boosting total equity to $408.5 M (+1.9%).
• Capital actions: $0.56/sh dividends and repurchase of 327 k shares left 16.47 M shares outstanding.
Six-month view: net income $17.1 M (+5%), EPS $1.03. Operating cash flow $20.3 M; securities redemptions exceeded purchases by $56.2 M.
Takeaways: Wider spreads and deposit growth drove earnings, while rising credit provisions and expense inflation warrant monitoring.