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Loans (Tables)
 3 Months Ended
Mar. 31, 2022
Receivables [Abstract]  
Past Due Financing Receivables
The following two tables present loan balances outstanding as of March 31, 2022, 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 when the borrower is two payments past due. Loans held-for-sale of $831, $1,154 and $4,443 as of March 31, 2022, December 31, 2021 and March 31, 2021, respectively, are included in the residential real estate balances for current loans.

Schedule of Past Due Loans by Loan Category
Commercial
CommercialReal EstateConsumerResidentialTotal
March 31, 2022
Loans Past Due 30-59 Days$69 $— $6,631 $2,565 $9,265 
Loans Past Due 60-89 Days89 — 2,562 267 2,918 
Loans Past Due 90 or more Days— 346 1,041 1,531 2,918 
Total Loans Past Due158 346 10,234 4,363 15,101 
Current Loans155,309 638,091 966,414 962,352 2,722,166 
Total Loans$155,467 $638,437 $976,648 $966,715 $2,737,267 
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 
March 31, 2021
Loans Past Due 30-59 Days$63 $143 $2,233 $2,097 $4,536 
Loans Past Due 60-89 Days34 2,723 822 156 3,735 
Loans Past Due 90 or more Days38 1,474 592 1,700 3,804 
Total Loans Past Due135 4,340 3,647 3,953 12,075 
Current Loans288,416 577,167 857,524 904,061 2,627,168 
Total Loans$288,551 $581,507 $861,171 $908,014 $2,639,243 
Schedule of Non Accrual Loans by Category
Commercial
March 31, 2022CommercialReal EstateConsumerResidentialTotal
Loans 90 or More Days Past Due
  and Still Accruing Interest		$— $— $— $55 $55 
Nonaccrual Loans70 6,360 1,155 2,165 9,750 
Nonaccrual With No Allowance for Credit Loss70 3,609 1,155 2,165 6,999 
Interest Income on Nonaccrual Loans— — — — — 
December 31, 2021
Loans 90 or More Days Past Due
  and Still Accruing Interest		$157 $— $— $666 $823 
Nonaccrual Loans34 7,243 1,697 1,790 10,764 
March 31, 2021
Loans 90 or More Days Past Due
  and Still Accruing Interest		$— $— $— $242 $242 
Nonaccrual Loans64 4,364 746 2,913 8,087 
Allowance for Credit Losses on Financing Receivables
The following table details activity in the allowance for credit losses on loans for the three months ended March 31, 2022 and March 31, 2021.

Allowance for Credit Losses
CommercialCommercial Real EstateConsumerResidentialTotal
Rollforward of the Allowance for Credit Losses for the Quarterly Period:
December 31, 2021$2,298 $13,136 $2,402 $9,445 $27,281 
Charge-offs— — (799)(30)(829)
Recoveries8 — 432 — 440 
Provision209 406 475 (321)769 
March 31, 2022$2,515 $13,542 $2,510 $9,094 $27,661 
Balance as of January 1, 2021 as adjusted for ASU 2016-13$4,257 $12,054 $2,179 $9,442 $27,932 
Charge-offs(3)— (627)(3)$(633)
Recoveries— — 189 — $189 
Provision43 (110)688 (1,269)$(648)
March 31, 2021$4,297 $11,944 $2,429 $8,170 $26,840 
The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of March 31, 2022, December 31, 2021 and March 31, 2021:
March 31, 2022Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— 6,014 6,014 
Consumer— — — 
Residential415 — 415 
Total$415 $6,014 $6,429 
December 31, 2021Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— 6,732 6,732 
Consumer— — — 
Residential673 — 673 
Total$673 $6,732 $7,405 

March 31, 2021Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— 3,851 3,851 
Consumer— — — 
Residential1,156 — 1,156 
Total$1,156 $3,851 $5,007 






Allowance for Credit Losses - Collectively and Individually Evaluated
CommercialCommercial Real EstateConsumerResidentialTotal
March 31, 2022
Ending Loan Balance - Collectively Evaluated$155,467 $632,423 $976,648 $966,300 $2,730,838 
Allowance for Credit Losses - Loans Collectively Evaluated2,515 12,960 2,510 9,094 27,079 
Ending Loan Balance - Individually Evaluated— 6,014 — 415 6,429 
Allowance for Credit Losses - Loans Individually Evaluated— 582 — — 582 
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 
March 31, 2021
Ending Loan Balance - Collectively Evaluated$288,551 $577,656 $861,171 $906,858 $2,634,236 
Allowance for Credit Losses - Loans Collectively Evaluated4,297 11,388 2,429 8,170 26,284 
Ending Loan Balance - Individually Evaluated— 3,851 — 1,156 5,007 
Allowance for Credit Losses - Loans Individually Evaluated— 556 — — 556 
Financing Receivable Credit Quality Indicators
The following tables presents credit quality indicators by total loans amortized cost basis by origination year as of March 31, 2022, December 31, 2021 and March 31, 2021.

Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving Loan Converted to TermTotal
March 31, 202220222021202020192018Prior
Commercial:
Risk rating
Satisfactory$8,048 $49,980 $31,869 $10,454 $11,149 $22,662 $7,656 $— $141,818 
Special mention— — — — — 50 — — 50 
Substandard— 3,504 3,593 541 — — 5,961 — 13,599 
Doubtful— — — — — — — — — 
Total Commercial Loans$8,048 $53,484 $35,462 $10,995 $11,149 $22,712 $13,617 $— $155,467 
Commercial Real Estate:
Risk rating
Satisfactory$22,582 $143,784 $270,523 $42,126 $37,604 $75,806 $1,554 $— $593,979 
Special mention627 — 5,825 1,193 — 1,213 — — 8,858 
Substandard2,241 4,852 16,073 3,877 95 8,462 — — 35,600 
Doubtful— — — — — — — — — 
Total Commercial Real Estate Loans$25,450 $148,636 $292,421 $47,196 $37,699 $85,481 $1,554 $— $638,437 
Consumer:
Risk rating
Performing$155,883 $369,231 $215,735 $134,973 $69,783 $29,427 $462 $— $975,494 
Nonperforming— 321 296 293 138 106 — — 1,154 
Total Consumer Loans$155,883 $369,552 $216,031 $135,266 $69,921 $29,533 $462 $— $976,648 
Residential:
Risk rating
Performing$37,795 $193,693 $144,671 $89,415 $83,582 $294,391 $120,949 $— $964,496 
Nonperforming— — 133 — 27 1,739 320 — 2,219 
Total Residential Loans$37,795 $193,693 $144,804 $89,415 $83,609 $296,130 $121,269 $— $966,715 
Total Loans$227,176 $765,365 $688,718 $282,872 $202,378 $433,856 $136,902 $— $2,737,267 
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 
Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving Loan Converted to TermTotal
March 31, 202120212020201920182017Prior
Commercial:
Risk rating
Satisfactory$78,184 $126,061 $18,202 $15,693 $10,004 $12,234 $14,006 $— $274,384 
Special mention— 5,031 66 — — 2 — — 5,099 
Substandard— 5,507 — — — 3,514 47 — 9,068 
Doubtful— — — — — — — — — 
Total Commercial Loans$78,184 $136,599 $18,268 $15,693 $10,004 $15,750 $14,053 $— $288,551 
Commercial Real Estate:
Risk rating
Satisfactory$24,511 $298,907 $49,957 $44,902 $24,558 $83,690 $3,161 $— $529,686 
Special mention— 17,825 2,010 — 142 2,115 — — 22,092 
Substandard2,021 10,853 4,006 163 — 12,661 25 — 29,729 
Doubtful— — — — — — — — — 
Total Commercial Real Estate Loans$26,532 $327,585 $55,973 $45,065 $24,700 $98,466 $3,186 $— $581,507 
Consumer:
Risk rating
Performing$95,223 $321,575 $225,191 $135,646 $56,508 $25,834 $448 $— $860,425 
Nonperforming— 141 181 189 167 68 — — 746 
Total Consumer Loans$95,223 $321,716 $225,372 $135,835 $56,675 $25,902 $448 $— $861,171 
Residential:
Risk rating
Performing$34,833 $156,500 $114,523 $107,176 $110,308 $266,377 $115,142 $— $904,859 
Nonperforming— 203 — 27 149 2,544 232 — 3,155 
Total Residential Loans$34,833 $156,703 $114,523 $107,203 $110,457 $268,921 $115,374 $— $908,014 
Troubled Debt Restructurings on Financing Receivables
The following table presents information on loans modified in trouble debt restructurings during the periods indicated.
Loans Modified in Trouble Debt Restructurings During the Period
Commercial
CommercialReal EstateConsumerResidentialTotal
For the Quarter Ended:
March 31, 2022
Number of Loans— — 1 — 1 
Pre-Modification Outstanding Recorded Investment$— $— $7 $— $7 
Post-Modification Outstanding Recorded Investment— — 7 — 7 
Subsequent Default, Number of Contracts— — — — — 
Subsequent Default, Recorded Investment— — — — — 
March 31, 2021
Number of Loans— — — — — 
Pre-Modification Outstanding Recorded Investment$— $— $— $— $— 
Post-Modification Outstanding Recorded Investment— — — — — 
Subsequent Default, Number of Contracts— — — — — 
Subsequent Default, Recorded Investment— — — — —