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Loans (Tables)
 12 Months Ended
Dec. 31, 2021
Receivables [Abstract]  
Past Due Financing Receivables
The following table presents loan balances outstanding as of December 31, 2021 and December 31, 2020 and an analysis of the recorded investment in loans that are past due at these dates. Loans held-for-sale of $1,154 and $11,085 as of December 31, 2021, and December 31, 2020, respectively, are included in the residential real estate balances for current loans.
Schedule of Past Due Loans by Loan Category
Commercial
CommercialReal EstateConsumerResidentialTotal
December 31, 2021
Loans Past Due 30-59 Days$202 $— $6,713 $107 $7,022 
Loans Past Due 60-89 Days3 — 2,709 2,557 5,269 
Loans Past Due 90 or More Days157 1,180 1,564 1,981 4,882 
Total Loans Past Due362 1,180 10,986 4,645 17,173 
Current Loans172,156 627,749 909,570 941,293 2,650,768 
Total Loans$172,518 $628,929 $920,556 $945,938 $2,667,941 
December 31, 2020
Loans Past Due 30-59 Days$102 $— $4,976 $261 $5,339 
Loans Past Due 60-89 Days113 — 2,713 1,279 4,105 
Loans Past Due 90 or More Days78 1,658 1,379 1,224 4,339 
Total Loans Past Due293 1,658 9,068 2,764 13,783 
Current Loans240,261 570,129 850,700 920,157 2,581,247 
Total Loans$240,554 $571,787 $859,768 $922,921 $2,595,030 
Schedule of Non Accrual Loans by Category
Commercial
December 31, 2021CommercialReal EstateConsumerResidentialTotal
Loans 90 or More Days Past Due
  and Still Accruing Interest		$157 $— $— $666 $823 
Nonaccrual Loans34 7,243 1,697 1,790 10,764 
Nonaccrual With No Allowance for Credit Loss34 4,476 1,697 1,790 7,997 
Interest Income on Nonaccrual Loans— — — — — 
December 31, 2020
Loans 90 or More Days Past Due
  and Still Accruing Interest		$— $184 $— $44 $228 
Nonaccrual Loans78 1,475 1,470 3,010 6,033 
Allowance for Credit Losses on Financing Receivables
The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2021:
December 31, 2021Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— 6,732 6,732 
Consumer— — — 
Residential673 — 673 
Total$673 $6,732 $7,405 
The following table details activity in the allowance for credit losses on loans for the twelve months ended December 31, 2021. Arrow adopted ASU 2016-13 on January 1, 2021. Results for the periods beginning after January 1, 2021 are presented under ASC 326 and prior periods continue to be reported in accordance with previously applicable US GAAP.
Allowance for Credit Losses
Commercial
CommercialReal EstateConsumerResidentialTotal
Rollfoward of the Allowance for Credit Losses for the Year Ended:
December 31, 2020$2,173 $9,990 $11,562 $5,507 $29,232 
Impact of Adoption ASC 326$2,084 $2,064 $(9,383)$3,935 $(1,300)
Balance as of January 1, 2021 as adjusted for ASU 2016-13$4,257 $12,054 $2,179 $9,442 $27,932 
Charge-offs(98)— (2,132)(9)(2,239)
Recoveries190 — 1,126 — 1,316 
Provision(2,051)1,082 1,229 12 272 
December 31, 2021$2,298 $13,136 $2,402 $9,445 $27,281 

Allowance for Loan Losses
CommercialCommercial Real EstateConsumerResidentialTotal
Rollforward of the Allowance for Loan Losses for the Year Ended:
December 31, 2019$1,386 $5,830 $9,408 $4,563 $21,187 
Charge-offs(37)(5)(1,898)(49)(1,989)
Recoveries3 — 712 — 715 
Provision821 4,165 3,340 993 9,319 
December 31, 2020$2,173 $9,990 $11,562 $5,507 $29,232 
December 31, 2018$1,218 $5,644 $8,882 $4,452 $20,196 
Charge-offs(12)(29)(1,603)(91)(1,735)
Recoveries98 — 549 — 647 
Provision82 215 1,580 202 2,079 
December 31, 2019$1,386 $5,830 $9,408 $4,563 $21,187 
Allowance for Credit Losses - Collectively and Individually Evaluated
CommercialCommercial Real EstateConsumerResidentialTotal
December 31, 2021
Ending Loan Balance - Collectively Evaluated$172,518 $622,197 $920,556 $945,265 $2,660,536 
Allowance for Credit Losses - Loans Collectively Evaluated2,298 12,537 2,402 9,445 26,682 
Ending Loan Balance - Individually Evaluated— 6,732 — 673 7,405 
Allowance for Credit Losses - Loans Individually Evaluated— 599 — — 599 

The following table presents information pertaining to the allowance for loan losses as of December 31, 2020, as determined in accordance with ASC 310, prior to the adoption of ASU 2016-13:

Allowance for Loan Losses - Collectively and Individually Evaluated for Impairment
CommercialCommercial Real EstateConsumerResidentialTotal
December 31, 2020
Ending Loan Balance - Collectively Evaluated for Impairment$240,507 $570,659 $859,657 $921,504 $2,592,327 
Allowance for Loan Losses - Loans Collectively Evaluated for Impairment2,154 9,990 11,562 5,485 $29,191 
Ending Loan Balance - Individually Evaluated for Impairment47 1,128 111 1,417 2,703 
Allowance for Loan Losses - Loans Individually Evaluated for Impairment19 — — 22 41 
Financing Receivable Supplemental Information
Schedule of Supplemental Loan Information
20212020
Supplemental Information:
Unamortized deferred loan origination costs, net of deferred loan
  origination fees, included in the above balances		$3,721 $1,273 
Overdrawn deposit accounts, included in the above balances182 238 
Pledged loans  under a blanket collateral agreement to secure borrowings from the Federal Home Loan Bank of New York778,902 859,592 
Residential real estate loans serviced for Freddie Mac, not included
   in the balances above		215,209 190,169 
Financing Receivable Credit Quality Indicators
The following table presents credit quality indicators by total loans amortized cost basis by origination year as of December 31, 2021.
Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving Loan Converted to TermTotal
December 31, 202120212020201920182017Prior
Commercial:
Risk rating
Satisfactory$75,615 $35,522 $11,591 $11,661 $7,792 $3,442 $12,783 $— $158,406 
Special mention— — 3 — — 5,899 — — 5,902 
Substandard3,541 3,791 589 — 25 12 252 — 8,210 
Doubtful— — — — — — — — — 
Total Commercial Loans$79,156 $39,313 $12,183 $11,661 $7,817 $9,353 $13,035 $— $172,518 
Commercial Real Estate:
Risk rating
Satisfactory$140,636 $276,461 $42,369 $37,997 $22,155 $59,698 $1,923 $— $581,239 
Special mention— 7,893 1,204 — 137 1,906 — — 11,140 
Substandard7,248 16,405 3,910 96 — 8,867 24 — 36,550 
Doubtful— — — — — — — — — 
Total Commercial Real Estate Loans$147,884 $300,759 $47,483 $38,093 $22,292 $70,471 $1,947 $— $628,929 
Consumer:
Risk rating
Performing$402,558 $239,492 $154,517 $82,673 $29,587 $9,578 $455 $— $918,860 
Nonperforming388 399 502 151 160 96 — — 1,696 
Total Consumer Loans$402,946 $239,891 $155,019 $82,824 $29,747 $9,674 $455 $— $920,556 
Residential:
Risk rating
Performing$187,708 $146,113 $93,547 $88,505 $93,524 $215,679 $118,595 $— $943,671 
Nonperforming— 133 — 27 162 1,907 38 — 2,267 
Total Residential Loans$187,708 $146,246 $93,547 $88,532 $93,686 $217,586 $118,633 $— $945,938 
Total Loans$817,694 $726,209 $308,232 $221,110 $153,542 $307,084 $134,070 $— $2,667,941 
The following table presents information pertaining to loan credit quality indicators as of December 31, 2020, as determined in accordance with ASC 310, prior to the adoption of ASU 2016-13:
Loan Credit Quality Indicators
Commercial
CommercialReal EstateConsumerResidentialTotal
December 31, 2020
Credit Risk Profile by Creditworthiness Category:
Satisfactory$229,351 $525,609 $754,960 
Special Mention1,574 16,213 17,787 
Substandard9,629 29,965 39,594 
Doubtful— — — 
Credit Risk Profile Based on Payment Activity:
Performing$858,298 $919,867 1,778,165 
Nonperforming1,470 3,054 4,524 
Impaired Financing Receivables
The following table presents information on impaired loans as of December 31, 2020 based on whether the impaired loan has a recorded related allowance or has no recorded related allowance, as determined in accordance with ASC 310, prior to the adoption of ASU 2016-13:
Impaired Loans
Commercial
CommercialReal EstateConsumerResidentialTotal
December 31, 2020
Recorded Investment:
With No Related Allowance$— $1,124 $112 $1,174 $2,410 
With a Related Allowance46 — — 244 290 
Unpaid Principal Balance:
With No Related Allowance$— $1,128 $111 $1,174 $2,413 
With a Related Allowance47 — — 244 291 
For the Year-To-Date Period Ended:
December 31, 2020
Average Recorded Balance:
With No Related Allowance$— $562 $110 $937 $1,609 
With a Related Allowance40 — — 252 $292 
Interest Income Recognized:
With No Related Allowance$— $— $1 $10 $11 
With a Related Allowance— — — — — 
Cash Basis Income:
With No Related Allowance$— $— $— $— $— 
With a Related Allowance— — — — — 
Troubled Debt Restructurings on Financing Receivables
The following table presents information on loans modified in trouble debt restructurings during the periods indicated:
Loans Modified in Trouble Debt Restructurings During the Period
Commercial
CommercialReal EstateConsumerResidentialTotal
For the Year Ended:
December 31, 2021
Number of Loans— — 1 — 1 
Pre-Modification Outstanding Recorded Investment$— $— $16 $— $16 
Post-Modification Outstanding Recorded Investment— — 16 — 16 
Subsequent Default, Number of Contracts— — — — — 
Subsequent Default, Recorded Investment— — — — — 
Commitments to lend additional funds to modified loans— — — — — 
December 31, 2020
Number of Loans1 — 5 — 6 
Pre-Modification Outstanding Recorded Investment$14 $— $77 $— $91 
Post-Modification Outstanding Recorded Investment14 — 77 — 91 
Subsequent Default, Number of Contracts— — — — — 
Subsequent Default, Recorded Investment— — — — — 
Commitments to lend additional funds to modified loans— — — — —