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Loans (Tables)
 6 Months Ended
Jun. 30, 2022
Receivables [Abstract]  
Past Due Financing Receivables
The following two tables present loan balances outstanding as of June 30, 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 $860, $1,154 and $1,992 as of June 30, 2022, December 31, 2021 and June 30, 2021, respectively, are included in the residential real estate balances for current loans.

Schedule of Past Due Loans by Loan Category
Commercial
CommercialReal EstateConsumerResidentialTotal
June 30, 2022
Loans Past Due 30-59 Days$283 $— $7,183 $327 $7,793 
Loans Past Due 60-89 Days150 — 3,851 1,189 5,190 
Loans Past Due 90 or more Days2 236 2,009 2,875 5,122 
Total Loans Past Due435 236 13,043 4,391 18,105 
Current Loans138,240 662,998 1,018,068 1,007,391 2,826,697 
Total Loans$138,675 $663,234 $1,031,111 $1,011,782 $2,844,802 
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 
June 30, 2021
Loans Past Due 30-59 Days$157 $— $3,508 $314 $3,979 
Loans Past Due 60-89 Days— — 1,610 1,462 3,072 
Loans Past Due 90 or more Days50 1,641 456 1,904 4,051 
Total Loans Past Due207 1,641 5,574 3,680 11,102 
Current Loans242,583 596,601 886,975 906,821 2,632,980 
Total Loans$242,790 $598,242 $892,549 $910,501 $2,644,082 
Schedule of Non Accrual Loans by Category
Commercial
June 30, 2022CommercialReal EstateConsumerResidentialTotal
Loans 90 or More Days Past Due
  and Still Accruing Interest		$— $— $499 $1,142 $1,641 
Nonaccrual Loans70 3,458 1,648 2,823 7,999 
Nonaccrual With No Allowance for Credit Loss70 3,458 1,648 2,823 7,999 
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 
June 30, 2021
Loans 90 or More Days Past Due
  and Still Accruing Interest		$— $— $159 $436 $595 
Nonaccrual Loans69 4,425 401 2,207 7,102 
Allowance for Credit Losses on Financing Receivables
The following table details activity in the allowance for credit losses on loans for the three and six months ended June 30, 2022 and June 30, 2021.

Allowance for Credit Losses
CommercialCommercial Real EstateConsumerResidentialTotal
March 31, 2022$2,515 $13,542 $2,510 $9,094 $27,661 
Charge-offs(4)— (903)— (907)
Recoveries18 — 413 — 431 
Provision(64)394 338 237 905 
June 30, 2022$2,465 $13,936 $2,358 $9,331 $28,090 
December 31, 2021$2,298 $13,136 $2,402 $9,445 $27,281 
Charge-offs$(4)$— $(1,702)$(30)$(1,736)
Recoveries$26 $— $845 $— $871 
Provision$145 $800 $813 $(84)$1,674 
June 30, 2022$2,465 $13,936 $2,358 $9,331 $28,090 
March 31, 2021$4,297 $11,944 $2,429 $8,170 $26,840 
Charge-offs(17)— (426)— $(443)
Recoveries— — 350 — $350 
Provision(2,039)1,662 90 550 $263 
June 30, 2021$2,241 $13,606 $2,443 $8,720 $27,010 
December 31, 2020$4,257 $12,054 $2,179 $9,442 $27,932 
Charge-offs(20)— (1,053)(3)(1,076)
Recoveries— — 539 — 539 
Provision(1,996)1,552 778 (719)(385)
June 30, 2021$2,241 $13,606 $2,443 $8,720 $27,010 
The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of June 30, 2022, December 31, 2021 and June 30, 2021:
June 30, 2022Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— 3,222 3,222 
Consumer— — — 
Residential1,116 — 1,116 
Total$1,116 $3,222 $4,338 

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 

June 30, 2021Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— 3,913 3,913 
Consumer— — — 
Residential677 — 677 
Total$677 $3,913 $4,590 



Allowance for Credit Losses - Collectively and Individually Evaluated
CommercialCommercial Real EstateConsumerResidentialTotal
June 30, 2022
Ending Loan Balance - Collectively Evaluated$138,675 $660,012 $1,031,111 $1,010,666 $2,840,464 
Allowance for Credit Losses - Loans Collectively Evaluated2,465 13,936 2,358 9,331 28,090 
Ending Loan Balance - Individually Evaluated— 3,222 — 1,116 4,338 
Allowance for Credit Losses - Loans Individually Evaluated— — — — — 
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 
June 30, 2021
Ending Loan Balance - Collectively Evaluated$242,790 $594,329 $892,549 $909,824 $2,639,492 
Allowance for Credit Losses - Loans Collectively Evaluated2,241 12,990 2,443 8,720 26,394 
Ending Loan Balance - Individually Evaluated— 3,913 — 677 4,590 
Allowance for Credit Losses - Loans Individually Evaluated— 616 — — 616 
Financing Receivable Credit Quality Indicators
The following tables presents credit quality indicators by total loans amortized cost basis by origination year as of June 30, 2022, December 31, 2021 and June 30, 2021.

Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving Loan Converted to TermTotal
June 30, 202220222021202020192018Prior
Commercial:
Risk rating
Satisfactory$26,461 $31,578 $25,469 $8,527 $9,473 $15,179 $8,674 $— $125,361 
Special mention— — — — — 50 — — 50 
Substandard— 3,349 3,511 477 — 6 5,921 — 13,264 
Doubtful— — — — — — — — — 
Total Commercial Loans$26,461 $34,927 $28,980 $9,004 $9,473 $15,235 $14,595 $— $138,675 
Commercial Real Estate:
Risk rating
Satisfactory$72,102 $134,785 $260,080 $40,965 $36,546 $73,592 $3,269 $— $621,339 
Special mention— — 5,445 1,176 — 76 — — 6,697 
Substandard2,839 4,788 15,780 3,841 94 7,832 24 — 35,198 
Doubtful— — — — — — — — — 
Total Commercial Real Estate Loans$74,941 $139,573 $281,305 $45,982 $36,640 $81,500 $3,293 $— $663,234 
Consumer:
Risk rating
Performing$301,351 $337,325 $192,857 $116,855 $58,065 $22,057 $453 $— $1,028,963 
Nonperforming278 944 415 285 143 82 1 — 2,148 
Total Consumer Loans$301,629 $338,269 $193,272 $117,140 $58,208 $22,139 $454 $— $1,031,111 
Residential:
Risk rating
Performing$119,530 $194,360 $139,857 $85,977 $80,850 $276,354 $111,080 $— $1,008,008 
Nonperforming— — 941 28 110 2,441 254 — 3,774 
Total Residential Loans$119,530 $194,360 $140,798 $86,005 $80,960 $278,795 $111,334 $— $1,011,782 
Total Loans$522,561 $707,129 $644,355 $258,131 $185,281 $397,669 $129,676 $— $2,844,802 
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
June 30, 202120212020201920182017Prior
Commercial:
Risk rating
Satisfactory$98,633 $64,854 $15,714 $14,316 $9,067 $11,486 $14,083 $— $228,153 
Special mention— 666 58 — — 50 — — 774 
Substandard143 9,458 667 — 39 3,509 47 — 13,863 
Doubtful— — — — — — — — — 
Total Commercial Loans$98,776 $74,978 $16,439 $14,316 $9,106 $15,045 $14,130 $— $242,790 
Commercial Real Estate:
Risk rating
Satisfactory$68,576 $297,152 $49,458 $40,229 $24,142 $66,277 $2,145 $— $547,979 
Special mention— 20,380 1,982 — 140 1,127 — — 23,629 
Substandard6,923 5,990 3,981 132 — 9,584 24 — 26,634 
Doubtful— — — — — — — — — 
Total Commercial Real Estate Loans$75,499 $323,522 $55,421 $40,361 $24,282 $76,988 $2,169 $— $598,242 
Consumer:
Risk rating
Performing$219,782 $292,852 $198,930 $115,042 $45,994 $18,941 $449 $— $891,990 
Nonperforming28 158 145 118 87 23 — — 559 
Total Consumer Loans$219,810 $293,010 $199,075 $115,160 $46,081 $18,964 $449 $— $892,549 
Residential:
Risk rating
Performing$70,131 $156,496 $107,323 $100,447 $103,671 $246,277 $123,514 $— $907,859 
Nonperforming— 203 436 27 148 1,796 32 — 2,642 
Total Residential Loans$70,131 $156,699 $107,759 $100,474 $103,819 $248,073 $123,546 $— $910,501 
Total Loans$464,216 $848,209 $378,694 $270,311 $183,288 $359,070 $140,294 $— $2,644,082 
Troubled Debt Restructurings on Financing Receivables
The following table presents information on loans modified in trouble debt restructurings during the periods indicated.
Loans Modified in Trouble Debt Restructurings During the Period
Commercial
CommercialReal EstateConsumerResidentialTotal
For the Quarter Ended:
June 30, 2022
Number of Loans— — 2 — 2 
Pre-Modification Outstanding Recorded Investment$— $— $21 $— $21 
Post-Modification Outstanding Recorded Investment— — 21 — 21 
Subsequent Default, Number of Contracts— — — — — 
Subsequent Default, Recorded Investment— — — — — 
June 30, 2021
Number of Loans— — — — — 
Pre-Modification Outstanding Recorded Investment$— $— $— $— $— 
Post-Modification Outstanding Recorded Investment— — — — — 
Subsequent Default, Number of Contracts— — — — — 
Subsequent Default, Recorded Investment— — — — —