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Loans (Tables)
 9 Months Ended
Sep. 30, 2023
Receivables [Abstract]  
Past Due Financing Receivables
The following two tables present loan balances outstanding as of September 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 $165, $656 and $483 as of September 30, 2023, December 31, 2022 and September 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
September 30, 2023
Loans Past Due 30-59 Days$247 $13,787 $11,864 $1,692 $27,590 
Loans Past Due 60-89 Days59 1,977 4,953 18 7,007 
Loans Past Due 90 or more Days3 — 1,504 3,271 4,778 
Total Loans Past Due309 15,764 18,321 4,981 39,375 
Current Loans147,757 718,840 1,089,316 1,143,329 3,099,242 
Total Loans$148,066 $734,604 $1,107,637 $1,148,310 $3,138,617 
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 
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 
The increase in loans past due 30-59 days within Commercial Real Estate is primarily attributable to one commercial loan relationship. The Company is actively working with the borrower to allow the borrower to stabilize the property’s cash flow. The property's collateral value exceeds the loan exposure.

Schedule of Non Accrual Loans by Category
Commercial
September 30, 2023CommercialReal EstateConsumerResidentialTotal
Loans 90 or More Days Past Due
  and Still Accruing Interest		$— $— $— $251 $251 
Nonaccrual Loans3 — 1,572 4,448 6,023 
Nonaccrual With No Allowance for Credit Loss3 — 1,572 4,448 6,023 
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 
September 30, 2022
Loans 90 or More Days Past Due
  and Still Accruing Interest		$— $— $— $514 $514 
Nonaccrual Loans9 3,401 1,708 3,694 8,812 
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, 2023 and September 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:
June 30, 2023$1,972 $15,697 $2,646 $10,855 $31,170 
Charge-offs— — (1,204)— (1,204)
Recoveries— — 792 — 792 
Provision(139)(114)301 306 354 
September 30, 2023$1,833 $15,583 $2,535 $11,161 $31,112 
December 31, 2022$1,961 $15,213 $2,585 $10,193 $29,952 
Charge-offs$— $— $(3,806)$(6)$(3,812)
Recoveries$— $— $2,116 $— $2,116 
Provision$(128)$370 $1,640 $974 $2,856 
September 30, 2023$1,833 $15,583 $2,535 $11,161 $31,112 
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 $29,232 
The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of September 30, 2023, December 31, 2022 and September 30, 2022:
September 30, 2023Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— — — 
Consumer— — — 
Residential1,949 — 1,949 
Total$1,949 $— $1,949 

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 

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 



Allowance for Credit Losses - Collectively and Individually Evaluated
CommercialCommercial Real EstateConsumerResidentialTotal
September 30, 2023
Ending Loan Balance - Collectively Evaluated$148,066 $734,604 $1,107,637 $1,146,361 $3,136,668 
Allowance for Credit Losses - Loans Collectively Evaluated1,833 15,583 2,535 11,161 31,112 
Ending Loan Balance - Individually Evaluated— — — 1,949 1,949 
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— — — — — 
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— — — — — 
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, 2023, December 31, 2022 and September 30, 2022:

Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving Loan Converted to TermTotal
September 30, 202320232022202120202019Prior
Commercial:
Risk rating
Satisfactory$37,300 $36,456 $23,602 $10,622 $4,799 $21,459 $10,328 $— $144,566 
Special mention— — — 128 — — — — 128 
Substandard— — — — 26 3,245 101 — 3,372 
Doubtful— — — — — — — — — 
Total Commercial Loans$37,300 $36,456 $23,602 $10,750 $4,825 $24,704 $10,429 $— $148,066 
Current-period gross charge-offs$— $— $— $— $— $— $— 
Commercial Real Estate:
Risk rating
Satisfactory$57,761 $157,741 $106,128 $121,968 $41,827 $184,590 $2,035 $— $672,050 
Special mention— 3,123 — — — 4,150 — — 7,273 
Substandard— 9,299 1,685 2,590 797 40,411 499 — 55,281 
Doubtful— — — — — — — — — 
Total Commercial Real Estate Loans$57,761 $170,163 $107,813 $124,558 $42,624 $229,151 $2,534 $— $734,604 
Current-period gross charge-offs$— $— $— $— $— $— $— 
Consumer:
Risk rating
Performing$322,084 $384,607 $216,234 $107,743 $53,646 $21,276 $— $— $1,105,590 
Nonperforming109 625 562 192 68 33 458 — 2,047 
Total Consumer Loans$322,193 $385,232 $216,796 $107,935 $53,714 $21,309 $458 $— $1,107,637 
Current-period gross charge-offs$192 $915 $1,689 $477 $299 $234 $3,806 
Residential:
Risk rating
Performing$106,267 $235,027 $191,780 $118,517 $76,518 $305,076 $108,098 $— $1,141,283 
Nonperforming— — 2,770 1,006 598 2,152 501 — 7,027 
Total Residential Loans$106,267 $235,027 $194,550 $119,523 $77,116 $307,228 $108,599 $— $1,148,310 
Current-period gross charge-offs$— $— $— $— $— $6 $6 
Total Loans$523,521 $826,878 $542,761 $362,766 $178,279 $582,392 $122,020 $— $3,138,617 
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
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