Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2024

The actual capital amounts and ratios for Arrow and Arrow Bank are presented in the table below as of December 31, 2024 and 2023:


	Actual				Minimum Amounts For Capital Adequacy Purposes (including "capital conservation buffer")				Minimum Amounts To Be Well-Capitalized
	Amount		Ratio		Amount		Ratio		Amount		Ratio
As of December 31, 2024
Total Capital (to Risk Weighted Assets):
Arrow	$	452,506	14.5	%	$	328,268	10.5	%	$	312,636	10.0	%
Arrow Bank National Association	435,628		14.0	%	327,050		10.5	%	311,476		10.0	%

Tier I Capital (to Risk Weighted Assets):
Arrow	417,338		13.4	%	265,741		8.5	%	250,109		8.0	%
Arrow Bank National Association	400,460		12.9	%	264,755		8.5	%	249,181		8.0	%


	Actual				Minimum Amounts For Capital Adequacy Purposes (including "capital conservation buffer")				Minimum Amounts To Be Well-Capitalized
	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier I Capital (to Average Assets):
Arrow	417,338		9.6	%	173,952		4.0	%	217,440		5.0	%
Arrow Bank National Association	400,460		9.2	%	173,656		4.0	%	217,070		5.0	%

Common Equity Tier 1 Capital (to Risk Weighted Assets):
Arrow	397,285		12.7	%	218,845		7.0	%	203,214		6.5	%
Arrow Bank National Association	400,407		12.9	%	218,033		7.0	%	202,459		6.5	%


As of December 31, 2023
Total Capital (to Risk Weighted Assets):
Arrow	$	447,091	14.7	%	$	319,351	10.5	%	$	304,144	10.0	%
Glens Falls National	320,449		14.3	%	235,295		10.5	%	224,090		10.0	%
Saratoga National	110,510		13.7	%	84,697		10.5	%	80,664		10.0	%
Tier I Capital (to Risk Weighted Assets):
Arrow	414,221		13.7	%	256,998		8.5	%	241,881		8.0	%
Glens Falls National	297,667		13.2	%	191,680		8.5	%	180,404		8.0	%
Saratoga National	100,449		12.5	%	68,305		8.5	%	64,287		8.0	%
Tier I Capital (to Average Assets):
Arrow	414,221		9.8	%	169,070		4.0	%	211,337		5.0	%
Glens Falls National	297,667		9.2	%	129,420		4.0	%	161,776		5.0	%
Saratoga National	100,449		9.6	%	41,854		4.0	%	52,317		5.0	%
Common Equity Tier 1 Capital (to Risk Weighted Assets):
Arrow	394,166		13.0	%	212,243		7.0	%	197,083		6.5	%
Glens Falls National	297,612		13.2	%	157,825		7.0	%	146,551		6.5	%
Saratoga National	100,449		12.5	%	56,251		7.0	%	52,233		6.5	%