Arrow Financial director reports 15,880-share holding

ARROW FINANCIAL CORP director Rocco F. Arcuri Sr. reported his initial holdings on a Form 3.

Rhea-AI Filing Summary

ARROW FINANCIAL CORP director Rocco F. Arcuri Sr. reported his initial holdings on a Form 3. He holds 15,880 shares of Common Stock with direct ownership. The filing lists this position as of 2026-07-01 and does not report any related purchase or sale transactions.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Arcuri Rocco F Sr.

Role Director

Type	Security	Shares	Price	Value
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 15,880 shares (Direct)

Key Figures

Common Stock Holdings: 15,880 shares Net Buy/Sell Shares: 0 Holding Entries: 1

3 metrics

Common Stock Holdings 15,880 shares Total shares of Common Stock held directly following the reported holding entry

Net Buy/Sell Shares 0 Transaction summary netBuySellShares showing no net insider buying or selling in this filing

Holding Entries 1 Transaction summary holdingEntries indicating a single holding record on Form 3

Key Terms

Form 3, Common Stock, beneficially owns

3 terms

Form 3 regulatory

"Director Rocco F. Arcuri Sr. reported his initial holdings on a Form 3."

Form 3 is the initial public filing that officers, directors and large shareholders must submit to report their ownership of a company’s securities when they become insiders. It acts like an opening inventory sheet that gives investors a starting point to see who holds significant stakes and to spot later trades or potential conflicts of interest, helping assess insider confidence and transparency.

Common Stock financial

"He holds 15,880 shares of Common Stock with direct ownership."

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

beneficially owns financial

"The Form 3 shows that director Rocco F. Arcuri Sr. beneficially owns 15,880 shares"

Beneficially owns means a person or entity enjoys the economic benefits and control of a security even if the legal title or registration is held in another name. Think of it like having the keys and profits from a car that is registered to a friend: you use it, benefit from it, and make decisions about it even though the official paperwork lists someone else. For investors, this matters because it reveals who truly controls shares, affects voting power, potential conflicts of interest, and regulatory disclosure obligations.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What does the ARROW FINANCIAL CORP (AROW) Form 3 filed by Rocco F. Arcuri Sr. show?

The Form 3 shows that director Rocco F. Arcuri Sr. beneficially owns 15,880 shares of ARROW FINANCIAL CORP Common Stock, held with direct ownership as of 2026-07-01.

Did the AROW Form 3 for Rocco F. Arcuri Sr. report any recent insider buying or selling?

No. The Form 3 for Rocco F. Arcuri Sr. reports a holding entry only, with no buy or sell transactions and netBuySellShares of 0 in the transaction summary.

How many ARROW FINANCIAL CORP (AROW) shares does Rocco F. Arcuri Sr. directly own?

Director Rocco F. Arcuri Sr. directly owns 15,880 shares of ARROW FINANCIAL CORP Common Stock, listed as total shares following transaction: 15,880.0000 with direct ownership.

Are there any derivative securities reported in the AROW Form 3 for Rocco F. Arcuri Sr.?

No derivative securities are listed. The derivativeSummary is empty, and the transaction data covers only Common Stock holdings with no options or similar instruments reported.

What is the ownership type reported for Rocco F. Arcuri Sr. in the AROW Form 3?

The filing classifies his stake as direct ownership, with the ownership_code "D" and direct_or_indirect field marked "D" for his 15,880 Common Stock shares.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 07/10/2026 - 10:57 AM EDT Learn about SEC filing dates

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Arcuri Rocco F Sr.

(Last) (First) (Middle)

250 GLEN STREET

(Street)

GLENS FALLS NEW YORK 12801

(City) (State) (Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
07/01/2026

3. Issuer Name and Ticker or Trading Symbol
ARROW FINANCIAL CORP [ AROW ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	15,880	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

	Penko Ivanov, Attorney in Fact	07/10/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)