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Loans (Tables)
 9 Months Ended
Sep. 30, 2022
Receivables [Abstract]  
Past Due Financing Receivables
The following two tables present loan balances outstanding as of September 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 $483, $1,154 and $2,169 as of September 30, 2022, December 31, 2021 and September 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
September 30, 2022
Loans Past Due 30-59 Days$86 $— $8,870 $393 $9,349 
Loans Past Due 60-89 Days80 — 4,397 1,266 5,743 
Loans Past Due 90 or more Days— 235 1,708 3,487 5,430 
Total Loans Past Due166 235 14,975 5,146 20,522 
Current Loans138,807 678,982 1,040,610 1,045,873 2,904,272 
Total Loans$138,973 $679,217 $1,055,585 $1,051,019 $2,924,794 
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 
September 30, 2021
Loans Past Due 30-59 Days$729 $— $4,809 $368 $5,906 
Loans Past Due 60-89 Days63 — 2,543 1,295 3,901 
Loans Past Due 90 or more Days75 1,641 1,010 1,951 4,677 
Total Loans Past Due867 1,641 8,362 3,614 14,484 
Current Loans187,324 613,440 912,827 926,676 2,640,267 
Total Loans$188,191 $615,081 $921,189 $930,290 $2,654,751 
Schedule of Non Accrual Loans by Category
Commercial
September 30, 2022CommercialReal EstateConsumerResidentialTotal
Loans 90 or More Days Past Due
  and Still Accruing Interest		$— $— $— $514 $514 
Nonaccrual Loans9 3,401 1,708 3,694 8,812 
Nonaccrual With No Allowance for Credit Loss9 3,401 1,708 3,694 8,812 
Interest Income on Nonaccrual Loans— — — 12 12 
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 
September 30, 2021
Loans 90 or More Days Past Due
  and Still Accruing Interest		$— $— $— $555 $555 
Nonaccrual Loans91 7,766 1,101 1,765 10,723 
Allowance for Credit Losses on Financing Receivables
The following table details activity in the allowance for credit losses on loans for the three and nine months ended September 30, 2022 and September 30, 2021:

Allowance for Credit Losses
CommercialCommercial Real EstateConsumerResidentialTotal
June 30, 2022$2,465 $13,936 $2,358 $9,331 $28,090 
Charge-offs(44)— (1,103)— (1,147)
Recoveries— — 574 — 574 
Provision(416)930 692 509 1,715 
September 30, 2022$2,005 $14,866 $2,521 $9,840 $29,232 
December 31, 2021$2,298 $13,136 $2,402 $9,445 $27,281 
Charge-offs$(48)$— $(2,805)$(30)$(2,883)
Recoveries$26 $— $1,419 $— $1,445 
Provision$(271)$1,730 $1,505 $425 $3,389 
September 30, 2022$2,005 $14,866 $2,521 $9,840 $29,232 
June 30, 2021$2,241 $13,606 $2,443 $8,720 $27,010 
Charge-offs(17)— (427)— $(444)
Recoveries— — 291 — $291 
Provision200 65 (19)(147)$99 
September 30, 2021$2,424 $13,671 $2,288 $8,573 $26,956 
Balance as of January 1, 2021 as adjusted for ASU 2016-13$4,257 $12,054 $2,179 $9,442 $27,932 
Charge-offs(37)— (1,480)(3)(1,520)
Recoveries— — 830 — 830 
Provision(1,796)1,617 759 (866)(286)
September 30, 2021$2,424 $13,671 $2,288 $8,573 $26,956 
The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of September 30, 2022, December 31, 2021 and September 30, 2021:
September 30, 2022Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— 3,166 3,166 
Consumer— — — 
Residential1,494 — 1,494 
Total$1,494 $3,166 $4,660 

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 

September 30, 2021Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— 7,254 7,254 
Consumer— — — 
Residential676 — 676 
Total$676 $7,254 $7,930 



Allowance for Credit Losses - Collectively and Individually Evaluated
CommercialCommercial Real EstateConsumerResidentialTotal
September 30, 2022
Ending Loan Balance - Collectively Evaluated$138,973 $676,051 $1,055,585 $1,049,525 $2,920,134 
Allowance for Credit Losses - Loans Collectively Evaluated2,005 14,866 2,521 9,840 29,232 
Ending Loan Balance - Individually Evaluated— 3,166 — 1,494 4,660 
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 
September 30, 2021
Ending Loan Balance - Collectively Evaluated$188,191 $607,827 $921,189 $929,614 $2,646,821 
Allowance for Credit Losses - Loans Collectively Evaluated2,424 13,055 2,288 8,573 26,340 
Ending Loan Balance - Individually Evaluated— 7,254 — 676 7,930 
Allowance for Credit Losses - Loans Individually Evaluated— 616 — — 616 
Financing Receivable Credit Quality Indicators
The following tables present credit quality indicators by total loans amortized cost basis by origination year as of September 30, 2022, December 31, 2021 and September 30, 2021:

Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving Loan Converted to TermTotal
September 30, 202220222021202020192018Prior
Commercial:
Risk rating
Satisfactory$34,589 $31,762 $26,654 $7,554 $9,605 $11,194 $8,008 $— $129,366 
Special mention— — — — — 35 35 — 70 
Substandard— 3,318 479 445 — 37 5,258 — 9,537 
Doubtful— — — — — — — — — 
Total Commercial Loans$34,589 $35,080 $27,133 $7,999 $9,605 $11,266 $13,301 $— $138,973 
Commercial Real Estate:
Risk rating
Satisfactory$106,549 $136,306 $247,780 $40,959 $30,667 $64,934 $3,052 $— $630,247 
Special mention9,801 — 2,973 — 4,315 1,425 — — 18,514 
Substandard9,531 4,723 11,352 1,133 93 3,403 221 — 30,456 
Doubtful— — — — — — — — — 
Total Commercial Real Estate Loans$125,881 $141,029 $262,105 $42,092 $35,075 $69,762 $3,273 $— $679,217 
Consumer:
Risk rating
Performing$406,206 $309,006 $172,974 $101,458 $47,874 $15,933 $483 $— $1,053,934 
Nonperforming268 583 351 304 58 87 — — 1,651 
Total Consumer Loans$406,474 $309,589 $173,325 $101,762 $47,932 $16,020 $483 $— $1,055,585 
Residential:
Risk rating
Performing$163,702 $209,408 $173,435 $84,370 $61,907 $232,021 $122,191 $— $1,047,034 
Nonperforming— 257 939 28 318 2,268 175 — 3,985 
Total Residential Loans$163,702 $209,665 $174,374 $84,398 $62,225 $234,289 $122,366 $— $1,051,019 
Total Loans$730,646 $695,363 $636,937 $236,251 $154,837 $331,337 $139,423 $— $2,924,794 
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
September 30, 202120212020201920182017Prior
Commercial:
Risk rating
Satisfactory$81,914 $38,970 $13,966 $12,860 $8,511 $3,917 $12,796 $— $172,934 
Special mention— 652 51 — — 5,499 — — 6,202 
Substandard3,575 4,496 636 — 31 295 22 — 9,055 
Doubtful— — — — — — — — — 
Total Commercial Loans$85,489 $44,118 $14,653 $12,860 $8,542 $9,711 $12,818 $— $188,191 
Commercial Real Estate:
Risk rating
Satisfactory$96,419 $290,785 $47,605 $41,215 $22,661 $62,203 $2,935 $— $563,823 
Special mention— 16,829 1,227 — 139 1,976 — — 20,171 
Substandard7,248 10,359 3,950 146 — 9,384 — — 31,087 
Doubtful— — — — — — — — — 
Total Commercial Real Estate Loans$103,667 $317,973 $52,782 $41,361 $22,800 $73,563 $2,935 $— $615,081 
Consumer:
Risk rating
Performing$330,952 $264,963 $175,448 $97,563 $37,112 $13,572 $477 $— $920,087 
Nonperforming203 319 332 160 30 58 — — 1,102 
Total Consumer Loans$331,155 $265,282 $175,780 $97,723 $37,142 $13,630 $477 $— $921,189 
Residential:
Risk rating
Performing$124,536 $154,071 $101,678 $94,621 $97,457 $231,375 $124,231 $— $927,969 
Nonperforming— 336 — 155 213 1,586 31 — 2,321 
Total Residential Loans$124,536 $154,407 $101,678 $94,776 $97,670 $232,961 $124,262 $— $930,290 
Total Loans$644,847 $781,780 $344,893 $246,720 $166,154 $329,865 $140,492 $— $2,654,751 
Troubled Debt Restructurings on Financing Receivables
The following table presents information on loans modified in trouble debt restructurings during the periods indicated:
Loans Modified in Trouble Debt Restructurings During the Period
Commercial
CommercialReal EstateConsumerResidentialTotal
For the Quarter Ended:
September 30, 2022
Number of Loans— — — — — 
Pre-Modification Outstanding Recorded Investment$— $— $— $— $— 
Post-Modification Outstanding Recorded Investment— — — — — 
Subsequent Default, Number of Contracts— — — — — 
Subsequent Default, Recorded Investment— — — — — 
September 30, 2021
Number of Loans— — — — — 
Pre-Modification Outstanding Recorded Investment$— $— $— $— $— 
Post-Modification Outstanding Recorded Investment— — — — — 
Subsequent Default, Number of Contracts— — — — — 
Subsequent Default, Recorded Investment— — — — —