B
Arrow Bank National Association
Rating Date
October 2025
Risk Based
Capital Ratio
14.31
Leverage
Ratio
9.24
Return On
Assets
0.92%
Total
Assets
4.58B
Capital
415.64M
Total
Deposits
4.10B
Net
Income
30.16M
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Weiss Ratings Arrow Bank National Association
Glens Falls, NY 		Click to
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Rating B
Asset Quality Index 6.10
Capitalization Index 7.40
Liquidity Index 3.10
Profitability Index 4.40
Stability Index 7.50
Company Info Arrow Bank National Association
Glens Falls, NY 		Click to
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FDIC Number 7074
Phone Number (518) 793-4121
Website www.gfnational.com
Asset Quality Arrow Bank National Association
Glens Falls, NY 		Click to
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1-Year Asset Growth 30.23%
5-Year Asset Growth 13.50%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.23%
Non-Performing Assets to Assets 0.12%
Non-Performing Loans to Capital 1.43%
Non-Performing Loans to Loans 0.16%
Balance Sheet Arrow Bank National Association
Glens Falls, NY 		Click to
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Total Assets 4.58B
Total Deposits 4.10B
Capital and Reserves Arrow Bank National Association
Glens Falls, NY 		Click to
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Capital 415.64M
Leverage Ratio 9.24
Loan Loss Reserves to Loans 0.99%
Risk-Based Capital Ratio 14.31
Liquidity Arrow Bank National Association
Glens Falls, NY 		Click to
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Hot Money Ratio 8.44%
Liquidity Ratio 14.21%
Profitability Arrow Bank National Association
Glens Falls, NY 		Click to
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5-Year Return on Average Assets 1.05%
Net Income 30.16M
Net Interest Spread 3.15%
Operating Profit to Average Assets 1.19%
Overhead Efficiency Ratio 63.06%
Return on Assets 0.92%
Return on Equity 9.88%