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Loans (Tables)
 12 Months Ended
Dec. 31, 2018
Loans and Leases Receivable Disclosure [Abstract]  
Past Due Financing Receivables
Loan Categories and Past Due Loans

The following table presents loan balances outstanding as of December 31, 2018 and December 31, 2017 and an analysis of the recorded investment in loans that are past due at these dates.  Generally, Arrow considers a loan past due 30 or more days if the borrower is two or more payments past due.
Schedule of Past Due Loans by Loan Category
 
 
 
Commercial
 
 
 
 
 
 
 
Commercial
 
Real Estate
 
Consumer
 
Residential
 
Total
December 31, 2018
 
 
 
 
 
 
 
 
 
Loans Past Due 30-59 Days
$
121

 
$
108

 
$
5,369

 
$
281

 
$
5,879

Loans Past Due 60-89 Days
49

 
—

 
2,136

 
1,908

 
4,093

Loans Past Due 90 or More Days
—

 
789

 
572

 
1,844

 
3,205

Total Loans Past Due
170

 
897

 
8,077

 
4,033

 
13,177

Current Loans
136,720

 
483,665

 
711,433

 
851,220

 
2,183,038

Total Loans
$
136,890

 
$
484,562

 
$
719,510

 
$
855,253

 
$
2,196,215

 
 
 
 
 
 
 
 
 
 
Loans 90 or More Days Past Due and Still Accruing Interest
$
—

 
$
—

 
$
144

 
$
1,081

 
$
1,225

Nonaccrual Loans
403

 
789

 
658

 
2,309

 
4,159

 
 
 
 
 
 
 
 
 
 
December 31, 2017
 
 
 
 
 
 
 
 
 
Loans Past Due 30-59 Days
$
139

 
$
—

 
$
5,891

 
$
2,094

 
$
8,124

Loans Past Due 60-89 Days
19

 
—

 
1,215

 
509

 
1,743

Loans Past Due 90 or more Days
99

 
807

 
513

 
1,422

 
2,841

Total Loans Past Due
257

 
807

 
7,619

 
4,025

 
12,708

Current Loans
128,992

 
443,441

 
595,208

 
770,421

 
1,938,062

Total Loans
$
129,249

 
$
444,248

 
$
602,827

 
$
774,446

 
$
1,950,770

 
 
 
 
 
 
 
 
 
 
Loans 90 or More Days Past Due and Still Accruing Interest
$
—

 
$
—

 
$
6

 
$
313

 
$
319

Nonaccrual Loans
$
588

 
$
1,530

 
$
653

 
$
2,755

 
$
5,526
Financing Receivable Supplemental Information
Schedule of Supplemental Loan Information
 
2018
 
2017
Supplemental Information:
 
 
 
Unamortized deferred loan origination costs, net of deferred loan
  origination fees, included in the above balances
$
4,494

 
$
4,055

Overdrawn deposit accounts, included in the above balances
572

 
473

Pledged loans secured by one-to-four family residential mortgages
  under a blanket collateral agreement to secure borrowings from
  the Federal Home Loan Bank of New York
550,750

 
511,301

Residential real estate loans serviced for Freddie Mac, not included
   in the balances above
133,747

 
149,377

Loans held for sale at period-end, included in the above balances
215

 
327
Allowance for Credit Losses on Financing Receivables
Allowance for Loan Losses

The following table presents a roll forward of the allowance for loan losses and other information pertaining to the allowance for loan losses:
Allowance for Loan Losses
 
 
 
Commercial
 
 
 
 
 
 
 
 
 
Commercial
 
Real Estate
 
Consumer
 
Residential
 
Unallocated
 
Total
 
 
 
 
 
 
 
 
 
 
 
 
Rollfoward of the Allowance for Loan Losses for the Year Ended:
 
 
 
 
 
 
 
 
 
 
 
December 31, 2017
$
1,873

 
$
4,504

 
$
7,604

 
$
4,605

 
$
—

 
$
18,586

Charge-offs
(153
)
 
(17
)
 
(1,246
)
 
(116
)
 
—

 
(1,532
)
Recoveries
3

 
12

 
520

 
—

 
—

 
535

Provision
(505
)
 
1,145

 
2,004

 
(37
)
 
—

 
2,607

December 31, 2018
$
1,218

 
$
5,644

 
$
8,882

 
$
4,452

 
$
—

 
$
20,196

 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2016
$
1,017

 
$
5,677

 
$
6,120

 
$
4,198

 
$
—

 
$
17,012

Charge-offs
(2
)
 
(380
)
 
(1,101
)
 
(76
)
 
—

 
(1,559
)
Recoveries
9

 
—

 
388

 
—

 
—

 
397

Provision
849

 
(793
)
 
2,197

 
483

 
—

 
2,736

December 31, 2017
$
1,873

 
$
4,504

 
$
7,604

 
$
4,605

 
$
—

 
$
18,586

 
 
 
 
 
 
 
 
 
 
 
 
Allowance for Loan Losses
 
 
 
Commercial
 
 
 
 
 
 
 
 
 
Commercial
 
Real Estate
 
Consumer
 
Residential
 
Unallocated
 
Total
December 31, 2015
$
1,827

 
$
4,520

 
$
5,554

 
$
3,790

 
$
347

 
$
16,038

Charge-offs
(97
)
 
(195
)
 
(871
)
 
(107
)
 
—

 
(1,270
)
Recoveries
23

 
—

 
182

 
6

 
—

 
211

Provision
(736
)
 
1,352

 
1,255

 
509

 
(347
)
 
2,033

December 31, 2016
$
1,017

 
$
5,677

 
$
6,120

 
$
4,198

 
$
—

 
$
17,012

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2018
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan losses - Loans Individually Evaluated for Impairment
$
—

 
$
—

 
$
—

 
$
4

 
$
—

 
$
4

Allowance for loan losses - Loans Collectively Evaluated for Impairment
$
1,218

 
$
5,644

 
$
8,882

 
$
4,448

 
$
—

 
$
20,192

Ending Loan Balance - Individually Evaluated for Impairment
$
430

 
$
793

 
$
101

 
$
1,899

 
$
—

 
$
3,223

Ending Loan Balance - Collectively Evaluated for Impairment
$
136,460

 
$
483,769

 
$
719,409

 
$
853,354

 
$
—

 
$
2,192,992

 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2017
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan losses - Loans Individually Evaluated for Impairment
$
94

 
$
2

 
$
—

 
$
10

 
$
—

 
$
106

Allowance for loan losses - Loans Collectively Evaluated for Impairment
$
1,779


$
4,502


$
7,604


$
4,595


$
—

 
$
18,480

Ending Loan Balance - Individually Evaluated for Impairment
$
489

 
$
1,537

 
$
95

 
$
1,562

 
$
—

 
$
3,683

Ending Loan Balance - Collectively Evaluated for Impairment
$
128,760

 
$
442,711

 
$
602,732

 
$
772,884

 
$
—

 
$
1,947,087
Financing Receivable Credit Quality Indicators
Loan Credit Quality Indicators

The following table presents the credit quality indicators by loan category at December 31, 2018 and December 31, 2017:
Loan Credit Quality Indicators
 
 
 
Commercial
 
 
 
 
 
 
 
Commercial
 
Real Estate
 
Consumer
 
Residential
 
Total
December 31, 2018
 
 
 
 
 
 
 
 
 
Credit Risk Profile by Creditworthiness Category:
 
 
 
 
 
 
 
 
 
Satisfactory
$
129,584

 
$
456,868

 
 
 
 
 
$
586,452

Special Mention
—

 
—

 
 
 
 
 
—

Substandard
7,306

 
26,905

 
 
 
 
 
34,211

Doubtful
—

 
789

 
 
 
 
 
789

Credit Risk Profile Based on Payment Activity:
 
 
 
 
 
 
 
 
 
Performing
 
 
 
 
$
718,708

 
$
851,863

 
1,570,571

Nonperforming
 
 
 
 
802

 
3,390

 
4,192

 
 
 
 
 
 
 
 
 
 
December 31, 2017
 
 
 
 
 
 
 
 
 
Credit Risk Profile by Creditworthiness Category:
 
 
 
 
 
 
 
 
 
Satisfactory
$
124,961

 
$
417,362

 
 
 
 
 
$
542,323

Special Mention
1,341

 
177

 
 
 
 
 
1,518

Substandard
2,947

 
25,902

 
 
 
 
 
28,849

Doubtful
—

 
807

 
 
 
 
 
807

Credit Risk Profile Based on Payment Activity:
 
 
 
 
 
 
 
 
 
Performing
 
 
 
 
$
602,168

 
$
771,584

 
1,373,752

Nonperforming
 
 
 
 
659

 
3,068

 
3,727
Impaired Financing Receivables
Impaired Loans

The following table presents information on impaired loans based on whether the impaired loan has a recorded allowance or no recorded allowance:
Impaired Loans
 
 
 
Commercial
 
 
 
 
 
 
 
Commercial
 
Real Estate
 
Consumer
 
Residential
 
Total
December 31, 2018
 
 
 
 
 
 
 
 
 
Recorded Investment:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
430

 
$
793

 
$
101

 
$
1,605

 
$
2,929

With a Related Allowance
—

 
—

 
—

 
294

 
294

Unpaid Principal Balance:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
429

 
$
793

 
$
100

 
$
1,606

 
$
2,928

With a Related Allowance
—

 
—

 
—

 
293

 
293

 
 
 
 
 
 
 
 
 
 
December 31, 2017
 
 
 
 
 
 
 
 
 
Recorded Investment:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
—

 
$
781

 
$
94

 
$
1,269

 
$
2,144

With a Related Allowance
485

 
725

 
—

 
333

 
1,543

Unpaid Principal Balance:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
—

 
$
816

 
$
95

 
$
1,274

 
$
2,185

With a Related Allowance
489

 
721

 
—

 
288

 
1,498

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
For the Year-To-Date Period Ended:
 
 
 
 
 
 
 
 
 
December 31, 2018
 
 
 
 
 
 
 
 
 
Average Recorded Balance:


 


 
 
 

 

With No Related Allowance
$
215

 
$
787

 
$
98

 
$
1,437

 
$
2,537

With a Related Allowance
243

 
363

 
—

 
314

 
920

Interest Income Recognized:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
—

 
$
—

 
$
1

 
$
18

 
$
19

With a Related Allowance
—

 
—

 
—

 
—

 
—

Cash Basis Income:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
—

 
$
—

 
$
—

 
$
—

 
$
—

With a Related Allowance
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
December 31, 2017
 
 
 
 
 
 
 
 
 
Average Recorded Balance:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
—

 
$
836

 
$
93

 
$
1,184

 
$
2,113

With a Related Allowance
243

 
363

 
—

 
167

 
$
773

Interest Income Recognized:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
—

 
$
34

 
$
—

 
$
23

 
$
57

With a Related Allowance
1

 
2

 
—

 
23

 
26

Cash Basis Income:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
—

 
$
—

 
$
—

 
$
—

 
$
—

With a Related Allowance
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 


December 31, 2016
 
 
 
 
 
 
 
 
 
Average Recorded Balance:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
78

 
$
1,631

 
$
103

 
$
872

 
$
2,684

With a Related Allowance
—

 
—

 
—

 
—

 
$
—

Interest Income Recognized:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
—

 
$
29

 
$
6

 
$
1

 
$
36

With a Related Allowance
—

 
—

 
—

 
—

 
—

Cash Basis Income:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
—

 
$
—

 
$
—

 
$
—

 
$
—

With a Related Allowance
—

 
—

 
—

 
—

 
—
Troubled Debt Restructurings on Financing Receivables
Loans Modified in Trouble Debt Restructurings

The following table presents information on loans modified in trouble debt restructurings during the periods indicated:
Loans Modified in Trouble Debt Restructurings During the Period
 
 
 
Commercial
 
 
 
 
 
 
 
Commercial
 
Real Estate
 
Consumer
 
Residential
 
Total
For the Year Ended:
 
 
 
 
 
 
 
 
 
December 31, 2018
 
 
 
 
 
 
 
 
 
Number of Loans
1

 
—

 
5

 
—

 
6

Pre-Modification Outstanding Recorded Investment
$
38

 
$
—

 
$
44

 
$
—

 
$
82

Post-Modification Outstanding Recorded Investment
$
38

 
$
—

 
$
44

 
$
—

 
$
82

Subsequent Default, Number of Contracts
—

 
—

 
—

 
—

 
—

Subsequent Default, Recorded Investment
—

 
—

 
—

 
—

 
—

Commitments to lend additional funds to modified loans
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
December 31, 2017
 
 
 
 
 
 
 
 
 
Number of Loans
1

 
1

 
6

 
—

 
8

Pre-Modification Outstanding Recorded Investment
$
503

 
$
725

 
$
51

 
$
—

 
$
1,279

Post-Modification Outstanding Recorded Investment
$
503

 
$
725

 
$
51

 
$
—

 
$
1,279

Subsequent Default, Number of Contracts
—

 
—

 
—

 
—

 
—

Subsequent Default, Recorded Investment
—

 
—

 
—

 
—

 
—

Commitments to lend additional funds to modified loans
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
December 31, 2016
 
 
 
 
 
 
 
 
 
Number of Loans
—

 
—

 
4

 
—

 
4

Pre-Modification Outstanding Recorded Investment
$
—

 
$
—

 
$
39

 
$
—

 
$
39

Post-Modification Outstanding Recorded Investment
$
—

 
$
—

 
$
39

 
$
—

 
$
39

Subsequent Default, Number of Contracts
—

 
—

 
—

 
—

 
—

Subsequent Default, Recorded Investment
—

 
—

 
—

 
—

 
—

Commitments to lend additional funds to modified loans
—

 
—

 
—

 
—

 
—