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Loans (Tables)
 6 Months Ended
Jun. 30, 2023
Receivables [Abstract]  
Past Due Financing Receivables
The following two tables present loan balances outstanding as of June 30, 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 $312, $656 and $860 as of June 30, 2023, December 31, 2022 and June 30, 2022, 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, 2023
Loans Past Due 30-59 Days$192 $— $10,275 $494 $10,961 
Loans Past Due 60-89 Days287 — 5,302 2,326 7,915 
Loans Past Due 90 or more Days59 — 1,776 2,828 4,663 
Total Loans Past Due538 — 17,353 5,648 23,539 
Current Loans146,980 723,948 1,070,412 1,105,018 3,046,358 
Total Loans$147,518 $723,948 $1,087,765 $1,110,666 $3,069,897 
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 
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 
Schedule of Non Accrual Loans by Category
Commercial
June 30, 2023CommercialReal EstateConsumerResidentialTotal
Loans 90 or More Days Past Due
  and Still Accruing Interest		$— $— $— $467 $467 
Nonaccrual Loans89 — 1,897 4,011 5,997 
Nonaccrual With No Allowance for Credit Loss89 — 1,897 4,011 5,997 
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 
June 30, 2022
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 
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, 2023 and June 30, 2022:

Allowance for Credit Losses
Rollforward of the Allowance for Credit Losses for the Quarterly Period:CommercialCommercial Real EstateConsumerResidentialTotal
Rollforward of the Allowance for Credit Losses for the Quarterly Period:
March 31, 2023$1,737 $15,502 $2,863 $10,682 $30,784 
Charge-offs— — (1,274)(6)(1,280)
Recoveries— — 718 — 718 
Provision235 195 339 179 948 
June 30, 2023$1,972 $15,697 $2,646 $10,855 $31,170 
December 31, 2022$1,961 $15,213 $2,585 $10,193 $29,952 
Charge-offs$— $— $(2,602)$(6)$(2,608)
Recoveries$— $— $1,324 $— $1,324 
Provision$11 $484 $1,339 $668 $2,502 
June 30, 2023$1,972 $15,697 $2,646 $10,855 $31,170 
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)
Recoveries26 — 845 — 871 
Provision145 800 813 (84)1,674 
June 30, 2022$2,465 $13,936 $2,358 $9,331 $28,090 
The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of June 30, 2023, December 31, 2022 and June 30, 2022:
June 30, 2023Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— — — 
Consumer— — — 
Residential1,963 — 1,963 
Total$1,963 $— $1,963 

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 

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 



Allowance for Credit Losses - Collectively and Individually Evaluated
CommercialCommercial Real EstateConsumerResidentialTotal
June 30, 2023
Ending Loan Balance - Collectively Evaluated$147,518 $723,948 $1,087,765 $1,108,703 $3,067,934 
Allowance for Credit Losses - Loans Collectively Evaluated1,972 15,697 2,646 10,855 31,170 
Ending Loan Balance - Individually Evaluated— — — 1,963 1,963 
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— — — — — 
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— — — — — 
Financing Receivable Credit Quality Indicators
The following tables present credit quality indicators by total loans amortized cost basis by origination year as of June 30, 2023, December 31, 2022 and June 30, 2022:

Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving Loan Converted to TermTotal
June 30, 202320232022202120202019Prior
Commercial:
Risk rating
Satisfactory$15,063 $38,012 $25,715 $11,653 $5,763 $35,571 $9,487 $— $141,264 
Special mention— — — 139 — — — — 139 
Substandard— — — — 60 3,290 2,765 — 6,115 
Doubtful— — — — — — — — — 
Total Commercial Loans$15,063 $38,012 $25,715 $11,792 $5,823 $38,861 $12,252 $— $147,518 
Current-period gross charge-offs$— $— $— $— $— $— $— 
Commercial Real Estate:
Risk rating
Satisfactory$32,681 $162,581 $105,800 $123,336 $42,397 $191,641 $2,971 $— $661,407 
Special mention— — — — — 4,987 — — 4,987 
Substandard— 9,427 1,685 2,394 802 43,221 25 — 57,554 
Doubtful— — — — — — — — — 
Total Commercial Real Estate Loans$32,681 $172,008 $107,485 $125,730 $43,199 $239,849 $2,996 $— $723,948 
Current-period gross charge-offs$— $— $— $— $— $— $— 
Consumer:
Risk rating
Performing$217,691 $414,437 $238,016 $122,156 $64,295 $28,740 $— $— $1,085,335 
Nonperforming30 666 766 229 146 120 473 — 2,430 
Total Consumer Loans$217,721 $415,103 $238,782 $122,385 $64,441 $28,860 $473 $— $1,087,765 
Current-period gross charge-offs$95 $705 $1,034 $324 $246 $198 $2,602 
Residential:
Risk rating
Performing$62,554 $231,714 $195,831 $120,506 $78,455 $316,683 $99,788 $— $1,105,531 
Nonperforming— 115 417 939 949 2,289 426 — 5,135 
Total Residential Loans$62,554 $231,829 $196,248 $121,445 $79,404 $318,972 $100,214 $— $1,110,666 
Current-period gross charge-offs$— $— $— $— $— $6 $6 
Total Loans$328,019 $856,952 $568,230 $381,352 $192,867 $626,542 $115,935 $— $3,069,897 
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
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