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ARROW FINANCIAL CORP (AROW)

Nasdaq · Finance, Insurance & Real Estate · National Commercial Banks

Core research established · 4/4 core data layers currently established

What ARROW FINANCIAL CORP does

A. GENERAL Arrow was incorporated on March 21, 1983 and is registered as a bank holding company within the meaning of the Bank Holding Company Act of 1956. As of December 31, 2025 the Company had one wholly-owned banking subsidiary, Arrow Bank National Association. Through Arrow Bank, Arrow indirectly owns various non-bank subsidiaries, including an insurance agency, a registered investment adviser and a REIT. See "The Company and Its Subsidiaries," above. Arrow Bank (dollars in thousands and data is as of December 31, 2025) Total Assets at Year-End$4,421,212 Employees (full-time equivalent)578 Bank Branches38 Insurance Offices9 Main Office250 Glen Street Glens Falls, NY Arrow’s business consists primarily of the ownership, supervision and control of Arrow Bank, including the bank's subsidiaries.

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