Arrow Financial Corporation AROW

Company Overview

Arrow Financial Corporation is a U.S.-based bank holding company operating primarily through its subsidiary banks, Glens Falls National Bank and Trust Company and Saratoga National Bank and Trust Company. The company provides commercial banking, consumer banking, wealth management, and insurance services, serving individuals, small businesses, municipalities, and commercial clients. Arrow operates within the regional banking and financial services industry, with revenue primarily generated through net interest income from lending activities, alongside fee-based income from wealth management, insurance, and deposit services.

The company traces its origins to the founding of Glens Falls National Bank in 1851. Over time, Arrow expanded through organic growth and acquisitions across northeastern New York. Its strategic positioning is centered on community banking, long-standing regional relationships, conservative credit management, and localized decision-making. Public filings and regional banking analyses consistently characterize the company as a relationship-focused institution with a stable deposit base and diversified community banking operations.