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Loans (Tables)
 3 Months Ended
Mar. 31, 2023
Receivables [Abstract]  
Past Due Financing Receivables
The following two tables present loan balances outstanding as of March 31, 2023 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 $417, $656 and $831 as of March 31, 2023, December 31, 2022 and March 31, 2022, 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, 2023
Loans Past Due 30-59 Days$62 $— $11,237 $1,593 $12,892 
Loans Past Due 60-89 Days47 — 4,439 — 4,486 
Loans Past Due 90 or more Days— — 3,005 3,143 6,148 
Total Loans Past Due109 — 18,681 4,736 23,526 
Current Loans135,808 715,357 1,054,688 1,075,973 2,981,826 
Total Loans$135,917 $715,357 $1,073,369 $1,080,709 $3,005,352 
December 31, 2022
Loans Past Due 30-59 Days$48 $370 $13,657 $1,833 $15,908 
Loans Past Due 60-89 Days33 — 4,517 112 4,662 
Loans Past Due 90 or more Days44 — 3,503 4,790 8,337 
Total Loans Past Due125 370 21,677 6,735 28,907 
Current Loans140,168 706,652 1,043,458 1,064,022 2,954,300 
Total Loans$140,293 $707,022 $1,065,135 $1,070,757 $2,983,207 
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 
Schedule of Non Accrual Loans by Category
Commercial
March 31, 2023CommercialReal EstateConsumerResidentialTotal
Loans 90 or More Days Past Due
  and Still Accruing Interest		$— $— $— $241 $241 
Nonaccrual Loans8 3,085 3,123 4,636 10,852 
Nonaccrual With No Allowance for Credit Loss8 3,085 3,123 4,636 10,852 
Interest Income on Nonaccrual Loans— — — — — 
December 31, 2022
Loans 90 or More Days Past Due
  and Still Accruing Interest		$44 $— $— $1,113 $1,157 
Nonaccrual Loans8 3,110 3,503 4,136 10,757 
March 31, 2022
Loans 90 or More Days Past Due
  and Still Accruing Interest		$— $— $— $55 $55 
Nonaccrual Loans70 6,360 1,155 2,165 9,750 
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, 2023 and March 31, 2022:

Allowance for Credit Losses
Rollforward of the Allowance for Credit Losses for the Quarterly Period:CommercialCommercial Real EstateConsumerResidentialTotal
December 31, 2022$1,961 $15,213 $2,585 $10,193 $29,952 
Charge-offs$— $— $(1,328)$— $(1,328)
Recoveries$— $— $606 $— $606 
Provision$(224)$289 $1,000 $489 $1,554 
March 31, 2023$1,737 $15,502 $2,863 $10,682 $30,784 
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 $27,661 
The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of March 31, 2023, December 31, 2022 and March 31, 2022:
March 31, 2023Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— 3,027 3,027 
Consumer— — — 
Residential1,949 — 1,949 
Total$1,949 $3,027 $4,976 

December 31, 2022Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— 3,110 3,110 
Consumer— — — 
Residential1,963 — 1,963 
Total$1,963 $3,110 $5,073 
March 31, 2022Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— 6,014 6,014 
Consumer— — — 
Residential415 — 415 
Total$415 $6,014 $6,429 



Allowance for Credit Losses - Collectively and Individually Evaluated
CommercialCommercial Real EstateConsumerResidentialTotal
March 31, 2023
Ending Loan Balance - Collectively Evaluated$135,917 $712,330 $1,073,369 $1,078,760 $3,000,376 
Allowance for Credit Losses - Loans Collectively Evaluated1,737 15,502 2,863 10,682 30,784 
Ending Loan Balance - Individually Evaluated— 3,027 — 1,949 4,976 
Allowance for Credit Losses - Loans Individually Evaluated— — — — — 
December 31, 2022
Ending Loan Balance - Collectively Evaluated$140,293 $703,912 $1,065,135 $1,068,794 $2,978,134 
Allowance for Credit Losses - Loans Collectively Evaluated1,961 15,213 2,585 10,193 $29,952 
Ending Loan Balance - Individually Evaluated— 3,110 — 1,963 5,073 
Allowance for Credit Losses - Loans Individually Evaluated— — — — — 
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 
Financing Receivable Credit Quality Indicators
The following tables present credit quality indicators by total loans amortized cost basis by origination year as of March 31, 2023, December 31, 2022 and March 31, 2022:

Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving Loan Converted to TermTotal
March 31, 202320232022202120202019Prior
Commercial:
Risk rating
Satisfactory$4,727 $35,164 $26,254 $12,765 $6,830 $35,014 $8,095 $— $128,849 
Special mention— — — 150 — 26 26 — 202 
Substandard— — — 230 420 3,420 2,796 — 6,866 
Doubtful— — — — — — — — — 
Total Commercial Loans$4,727 $35,164 $26,254 $13,145 $7,250 $38,460 $10,917 $— $135,917 
Current-period gross charge-offs$— $— $— $— $— $— $— $— $— 
Commercial Real Estate:
Risk rating
Satisfactory$12,605 $157,534 $115,019 $122,364 $42,710 $212,115 $1,679 $— $664,026 
Special mention— — — — — 5,043 — — 5,043 
Substandard— 10,150 — 5,472 806 29,832 28 — 46,288 
Doubtful— — — — — — — — — 
Total Commercial Real Estate Loans$12,605 $167,684 $115,019 $127,836 $43,516 $246,990 $1,707 $— $715,357 
Current-period gross charge-offs$— $— $— $— $— $— $— $— $— 
Consumer:
Risk rating
Performing$71,838 $379,339 $261,675 $138,034 $75,650 $143,190 $— $— $1,069,726 
Nonperforming— 1,030 1,090 434 261 371 457 — 3,643 
Total Consumer Loans$71,838 $380,369 $262,765 $138,468 $75,911 $143,561 $457 $— $1,073,369 
Current-period gross charge-offs$55 $305 $570 $213 $111 $74 $— $— $1,328 
Residential:
Risk rating
Performing$15,565 $219,336 $197,436 $124,992 $80,986 $323,945 $113,220 $— $1,075,480 
Nonperforming— 550 435 939 636 2,462 207 — 5,229 
Total Residential Loans$15,565 $219,886 $197,871 $125,931 $81,622 $326,407 $113,427 $— $1,080,709 
Current-period gross charge-offs$— $— $— $— $— $— $— $— $— 
Total Loans$104,735 $803,103 $601,909 $405,380 $208,299 $755,418 $126,508 $— $3,005,352 
Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving Loan Converted to TermTotal
December 31, 202220222021202020192018Prior
Commercial:
Risk rating
Satisfactory$42,038 $28,718 $16,870 $7,857 $8,129 $20,379 $8,909 $— $132,900 
Special mention— — — — — 30 30 — 60 
Substandard— — 255 478 — 3,464 3,136 — 7,333 
Doubtful— — — — — — — — — 
Total Commercial Loans$42,038 $28,718 $17,125 $8,335 $8,129 $23,873 $12,075 $— $140,293 
Commercial Real Estate:
Risk rating
Satisfactory$152,858 $115,111 $121,811 $43,647 $63,913 $159,876 $1,603 $— $658,819 
Special mention9,678 — — — 789 241 — — 10,708 
Substandard607 — 5,807 812 4,371 25,677 221 — 37,495 
Doubtful— — — — — — — — — 
Total Commercial Real Estate Loans$163,143 $115,111 $127,618 $44,459 $69,073 $185,794 $1,824 $— $707,022 
Consumer:
Risk rating
Performing$482,530 $284,831 $154,819 $88,165 $38,852 $12,032 $504 $— $1,061,733 
Nonperforming758 1,468 607 325 157 87 — — 3,402 
Total Consumer Loans$483,288 $286,299 $155,426 $88,490 $39,009 $12,119 $504 $— $1,065,135 
Residential:
Risk rating
Performing$210,565 $198,195 $128,372 $82,965 $74,281 $259,787 $111,563 $— $1,065,728 
Nonperforming— 255 939 597 520 2,311 407 — 5,029 
Total Residential Loans$210,565 $198,450 $129,311 $83,562 $74,801 $262,098 $111,970 $— $1,070,757 
Total Loans$899,034 $628,578 $429,480 $224,846 $191,012 $483,884 $126,373 $— $2,983,207 
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