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 Corp director Raymond F. O’Conor reported a routine stock-based compensation transaction. He received 236 shares of common stock as a quarterly director’s retainer payment at an indicated value of $31.76 per share. Following this grant, he directly owns 30,755 common shares.
Arrow Financial Corp director Colin L. Read reported receiving 226 shares of common stock on March 18, 2026 as a quarterly director's retainer payment valued at $31.76 per share. After this compensation transaction, he directly holds 30,376 shares. An additional 3,020 shares are held indirectly by his wife, and he disclaims beneficial ownership of those securities.
ARROW FINANCIAL CORP director Mark Behan reported a routine equity compensation transaction involving 246 shares of Common Stock as a quarterly director's retainer payment. The shares are reported at a reference price of $31.76 per share, and there was no open-market buy or sell.
Following this transaction, Behan directly holds 13,039 shares of Arrow Financial common stock, which includes 84 shares acquired through the company's dividend reinvestment plan since January 28, 2026. The filing is primarily an administrative update of his total holdings.
Arrow Financial Corp director Daniel James White reported a routine equity compensation transaction. On the reported date, he had an "other" coded transaction involving 266 shares of common stock at $31.76 per share, tied to his quarterly director’s retainer payment.
Following this activity, White directly held 8,001 common shares. A footnote explains that this total includes 13 shares acquired through the company’s dividend reinvestment plan since January 28, 2026, which were not previously reportable on Form 4 but are now reflected to show his full current holdings.
Arrow Financial Corp director Philip C. Morris reported an update to his holdings through the company’s dividend reinvestment plan (DRIP). The filing shows an optional cash purchase of 31 shares of common stock at $34.49 per share on the plan date.
After this transaction, Morris directly holds 7,271 shares of Arrow Financial common stock. This total includes 51 DRIP shares acquired since February 11, 2026 that were not previously reportable on Form 4 and are now disclosed to present his current aggregate holdings.
Arrow Financial Corporation outlines its community banking business, risk profile and governance in an Annual Report for the year ended December 31, 2025. Through Arrow Bank National Association, it reports diversified lending, wealth management and insurance operations across upstate New York and nearby states.
The report highlights Arrow Bank’s scale, including 578 full-time equivalent employees and 38 branches, and confirms it exceeds all regulatory capital minimums and qualifies as well-capitalized. Arrow also discusses extensive regulatory oversight, cybersecurity and fraud controls, human capital initiatives and community investments exceeding $4 million since 2019.
A key strategic development is a planned merger with Adirondack Bancorp, Inc., under which each Adirondack share will convert into 1.8610 Arrow shares plus $18.72 in cash, for an implied value of approximately $89.1 million, subject to regulatory and shareholder approvals and customary conditions.
Arrow Financial Corporation entered into an Agreement and Plan of Merger dated February 25, 2026 to acquire Adirondack Bancorp, Inc. under a two-step merger structure that also merges Adirondack Bank into Arrow Bank National Association.
At the Effective Time each Adirondack common share will convert into 1.8610 shares of Arrow common stock and $18.72 in cash; fractional shares will be cashed out. The merger is conditioned on shareholder approval, regulatory clearances, Nasdaq listing authorization, an effective Form S-4, and customary closing conditions. A $3.62 million termination fee and 180-day lock-ups for certain holders are included.
Arrow Financial Corporation agreed to acquire Adirondack Bancorp, Inc. in a stock-and-cash merger that expands Arrow’s community banking footprint across upstate New York, including the Mohawk Valley and additional Adirondack markets.
Each Adirondack share will be converted into 1.8610 Arrow shares plus $18.72 in cash, implying total consideration of about $89.1 million based on Arrow’s share price on February 25, 2026. The combined company is projected to have about $5.4 billion in assets, $4.8 billion in deposits and $4.1 billion in gross loans, with management targeting roughly 18% cash EPS accretion in 2027, a 20% internal rate of return and a tangible book value per share earnback period of 2.9 years. Adirondack’s CEO, Rocco Arcuri Sr., will become Regional President and join Arrow’s and Arrow Bank’s boards, while voting and lock-up agreements from key Adirondack shareholders are designed to support deal approval and manage post-closing share sales. Closing is contingent on Adirondack shareholder approval and customary banking regulatory approvals.
Arrow Financial Corp director Morris Philip C reported a small share acquisition through the company’s dividend reinvestment plan (DRIP). On 02/11/2026, he made an optional cash purchase of 29 shares of common stock at $35.08 per share.
Following this transaction, he directly beneficially owns 7,189 shares of Arrow Financial common stock. This filing records the change in his direct ownership and confirms continued participation in the company’s DRIP program.
Arrow Financial Corp filed a Form 13F reporting institutional holdings totaling $1,003,074,635 across 318 positions. The report names Arrow Bank National Association as an included manager and is signed by CFO Penko Ivanov on 02-05-2026.