ARROW FINANCIAL CORP

Arrow Financial Corporation is a bank holding company that operates as a regional financial services provider headquartered in Glens Falls, New York. The company provides retail and commercial banking services across the United States, with a primary focus on deposit-gathering and lending activities. Its core banking operations include demand deposits, interest-bearing checking accounts, savings products, and time deposits. The company also maintains an indirect lending program serving consumers across multiple states.

The company's lending portfolio spans commercial, consumer, and residential real estate segments. Commercial lending encompasses term loans, lines of credit, and commercial real estate financing for property purchases, refinancing, and development projects. Consumer lending includes installment loans, personal lines of credit, automobile financing, and residential mortgage products such as fixed home equity loans and home equity lines of credit. Beyond traditional banking, Arrow Financial generates revenue through trust and estate administration services, retirement planning, pension and profit-sharing plan administration, and insurance agency services covering group health, life insurance, and property and casualty products. The company also maintains investment advisory services and holds a real estate investment trust.

Arrow Financial operates with approximately 600 full-time employees and maintains a market capitalization of roughly $0.5 billion. The company was incorporated in New York and is publicly traded on the Nasdaq. Its operations have been established since its founding in 1851.