XML 62 R48.htm IDEA: XBRL DOCUMENT v3.20.4
Regulatory Matters (Tables)
 12 Months Ended
Dec. 31, 2020
Equity [Abstract]  
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations The actual capital amounts and ratios for Arrow and its subsidiary banks, Glens Falls National Bank and Trust Company (“Glens Falls National”) and Saratoga National Bank and Trust Company (“Saratoga National”), are presented in the table below as of December 31, 2020 and 2019:
ActualMinimum Amounts For Capital Adequacy Purposes (including "capital conservation buffer")Minimum Amounts To Be Well-Capitalized
AmountRatioAmountRatioAmountRatio
As of December 31, 2020
Total Capital
 (to Risk Weighted Assets):
Arrow$364,988 15.5 %$247,250 10.5 %$235,476 10.0 %
Glens Falls National273,801 15.2 %189,139 10.5 %180,132 10.0 %
Saratoga National78,022 14.2 %57,692 10.5 %54,945 10.0 %
Tier I Capital
 (to Risk Weighted Assets):
Arrow335,756 14.2 %200,981 8.5 %189,158 8.0 %
Glens Falls National251,419 13.9 %153,745 8.5 %144,702 8.0 %
Saratoga National71,172 13.0 %46,536 8.5 %43,798 8.0 %
ActualMinimum Amounts For Capital Adequacy Purposes (including "capital conservation buffer")Minimum Amounts To Be Well-Capitalized
AmountRatioAmountRatioAmountRatio
Tier I Capital
 (to Average Assets):
Arrow335,756 9.1 %147,585 4.0 %184,481 5.0 %
Glens Falls National251,419 8.7 %115,595 4.0 %144,494 5.0 %
Saratoga National71,172 8.9 %31,987 4.0 %39,984 5.0 %
Common Equity Tier 1 Capital
 (to Risk Weighted Assets):
Arrow315,696 13.4 %164,916 7.0 %153,136 6.5 %
Glens Falls National251,359 13.9 %126,584 7.0 %117,542 6.5 %
Saratoga National71,172 13.0 %38,323 7.0 %35,586 6.5 %
As of December 31, 2019
Total Capital
 (to Risk Weighted Assets):
Arrow$330,657 14.8 %$234,588 10.5 %$223,417 10.0 %
Glens Falls National254,438 14.5 %184,248 10.5 %175,474 10.0 %
Saratoga National65,295 13.6 %50,412 10.5 %48,011 10.0 %
Tier I Capital
 (to Risk Weighted Assets):
Arrow309,469 13.8 %190,615 8.5 %179,402 8.0 %
Glens Falls National237,546 13.5 %149,566 8.5 %140,768 8.0 %
Saratoga National60,999 12.7 %40,826 8.5 %38,425 8.0 %
Tier I Capital
 (to Average Assets):
Arrow309,469 10.0 %123,788 4.0 %154,735 5.0 %
Glens Falls National237,546 9.5 %100,019 4.0 %125,024 5.0 %
Saratoga National60,999 9.6 %25,416 4.0 %31,770 5.0 %
Common Equity Tier 1 Capital
 (to Risk Weighted Assets):
Arrow289,409 12.9 %157,044 7.0 %145,826 6.5 %
Glens Falls National237,486 13.5 %123,141 7.0 %114,345 6.5 %
Saratoga National60,999 12.7 %33,621 7.0 %31,220 6.5 %