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Loans (Tables)
 3 Months Ended
Mar. 31, 2025
Receivables [Abstract]  
Past Due Financing Receivables
The following two tables present loan balances outstanding as of March 31, 2025 and December 31, 2024 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 $2.3 million and $759 thousand as of March 31, 2025 and December 31, 2024, 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, 2025
Loans Past Due 30-59 Days$528 $146 $10,480 $3,397 $14,551 
Loans Past Due 60-89 Days147 — 3,320 239 3,706 
Loans Past Due 90 or more Days17 15,008 1,039 2,037 18,101 
Total Loans Past Due692 15,154 14,839 5,673 36,358 
Current Loans153,583 788,861 1,103,896 1,334,170 3,380,510 
Total Loans$154,275 $804,015 $1,118,735 $1,339,843 $3,416,868 
December 31, 2024
Loans Past Due 30-59 Days$355 $— $11,211 $391 $11,957 
Loans Past Due 60-89 Days156 318 5,417 2,685 8,576 
Loans Past Due 90 or more Days102 14,902 2,225 2,239 19,468 
Total Loans Past Due613 15,220 18,853 5,315 40,001 
Current Loans158,378 781,145 1,100,128 1,314,889 3,354,540 
Total Loans$158,991 $796,365 $1,118,981 $1,320,204 $3,394,541 

Schedule of Non Accrual Loans by Category
Commercial
March 31, 2025CommercialReal EstateConsumerResidentialTotal
Loans 90 or More Days Past Due
  and Still Accruing Interest		$— $— $8 $397 $405 
Nonaccrual Loans17 15,008 1,045 2,542 18,612 
Nonaccrual With No Allowance for Credit Loss17 — 1,045 2,542 3,604 
Interest Income on Nonaccrual Loans— — — — — 
December 31, 2024
Loans 90 or More Days Past Due
  and Still Accruing Interest		$— $— $19 $379 $398 
Nonaccrual Loans102 14,902 2,241 3,376 20,621 
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, 2025 and March 31, 2024:

Allowance for Credit Losses
CommercialCommercial Real EstateConsumerResidentialTotal
December 31, 2024$1,925 $14,507 $3,882 $13,284 $33,598 
Charge-offs$— $— $(1,519)$(31)$(1,550)
Recoveries$— $— $704 $— $704 
Provision$(124)$3,729 $1,080 $334 $5,019 
March 31, 2025$1,801 $18,236 $4,147 $13,587 $37,771 
December 31, 2023$1,958 $15,521 $2,566 $11,220 $31,265 
Charge-offs$(9)$— $(1,274)$— $(1,283)
Recoveries$— $— $962 $— $962 
Provision$893 $(1,353)$502 $575 $617 
March 31, 2024$2,842 $14,168 $2,756 $11,795 $31,561 
The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of March 31, 2025 and December 31, 2024:
March 31, 2025Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— 15,008 15,008 
Consumer— — — 
Residential772 — 772 
Total$772 $15,008 $15,780 

December 31, 2024Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— 14,902 14,902 
Consumer— — — 
Residential1,417 — 1,417 
Total$1,417 $14,902 $16,319 




Allowance for Credit Losses - Collectively and Individually Evaluated
CommercialCommercial Real EstateConsumerResidentialTotal
March 31, 2025
Ending Loan Balance - Collectively Evaluated$154,275 $789,007 $1,118,735 $1,339,071 $3,401,088 
Allowance for Credit Losses - Loans Collectively Evaluated1,801 14,486 4,147 13,587 34,021 
Ending Loan Balance - Individually Evaluated— 15,008 — 772 15,780 
Allowance for Credit Losses - Loans Individually Evaluated— 3,750 — — 3,750 
December 31, 2024
Ending Loan Balance - Collectively Evaluated$158,991 $781,463 $1,118,981 $1,318,787 $3,378,222 
Allowance for Credit Losses - Loans Collectively Evaluated1,925 14,507 3,882 13,284 33,598 
Ending Loan Balance - Individually Evaluated— 14,902 — 1,417 16,319 
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 March 31, 2025 and December 31, 2024:

Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving Loan Converted to TermTotal
March 31, 202520252024202320222021Prior
Commercial:
Risk rating
Satisfactory$7,720 $41,090 $26,444 $21,475 $15,801 $23,978 $9,801 $— $146,309 
Special mention96 — 70 189 — — 483 — 838 
Substandard— — 501 1,118 — 2,997 2,512 — 7,128 
Doubtful— — — — — — — — — 
Total Commercial Loans$7,816 $41,090 $27,015 $22,782 $15,801 $26,975 $12,796 $— $154,275 
Current-period gross charge-offs$— $— $— $— $— $— $— $— $— 
Commercial Real Estate:
Risk rating
Satisfactory$9,712 $103,985 $96,978 $136,141 $107,903 $296,123 $2,578 $— $753,420 
Special mention— 2,988 — 12,593 — 3,033 — — 18,614 
Substandard— — 346 169 322 14,765 1,371 — 16,973 
Doubtful— — — — 1,656 13,352 — — 15,008 
Total Commercial Real Estate Loans$9,712 $106,973 $97,324 $148,903 $109,881 $327,273 $3,949 $— $804,015 
Current-period gross charge-offs$— $— $— $— $— $— $— $— $— 
Consumer:
Risk rating
Performing$105,293 $368,022 $269,633 $216,799 $105,322 $52,138 $475 $— $1,117,682 
Nonperforming— 206 162 297 291 97 — — 1,053 
Total Consumer Loans$105,293 $368,228 $269,795 $217,096 $105,613 $52,235 $475 $— $1,118,735 
Current-period gross charge-offs$— $363 $392 $357 $317 $90 $— $— $1,519 
Residential:
Risk rating
Performing$29,806 $174,585 $174,559 $221,058 $179,359 $431,930 $125,606 $— $1,336,903 
Nonperforming— — 201 344 201 1,937 257 — 2,940 
Total Residential Loans$29,806 $174,585 $174,760 $221,402 $179,560 $433,867 $125,863 $— $1,339,843 
Current-period gross charge-offs$— $— $— $— $— $31 $— $— $31 
Total Loans$152,627 $690,876 $568,894 $610,183 $410,855 $840,350 $143,083 $— $3,416,868 
Total gross
charge-offs		$— $363 $392 $357 $317 $121 $— $1,550 
Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving Loan Converted to TermTotal
December 31, 202420242023202220212020Prior
Commercial:
Risk rating
Satisfactory$42,767 $28,988 $23,808 $16,941 $6,183 $19,211 $15,686 $— $153,584 
Special mention107 229 930 — 72 — 483 — 1,821 
Substandard— 280 264 — — 3,030 12 — 3,586 
Doubtful— — — — — — — — — 
Total Commercial Loans$42,874 $29,497 $25,002 $16,941 $6,255 $22,241 $16,181 $— $158,991 
Current-period gross charge-offs$— $— $— $— $9 $— $— $— $9 
Commercial Real Estate:
Risk rating
Satisfactory$90,049 $96,783 $137,146 $109,086 $115,576 $187,202 $2,799 $— $738,641 
Special mention3,002 200 12,680 — — 9,506 — — 25,388 
Substandard— 146 172 1,985 2,309 26,853 871 — 32,336 
Doubtful— — — — — — — — — 
Total Commercial Real Estate Loans$93,051 $97,129 $149,998 $111,071 $117,885 $223,561 $3,670 $— $796,365 
Current-period gross charge-offs$— $— $— $— $— $— $— $— $— 
Consumer:
Risk rating
Performing$386,004 $297,698 $243,484 $121,803 $48,268 $18,994 $473 $— $1,116,724 
Nonperforming345 424 602 593 178 115 — — 2,257 
Total Consumer Loans$386,349 $298,122 $244,086 $122,396 $48,446 $19,109 $473 $— $1,118,981 
Current-period gross charge-offs$1,272 $949 $1,669 $1,270 $434 $243 $— $— $5,837 
Residential:
Risk rating
Performing$162,087 $177,071 $225,398 $181,934 $106,695 $334,576 $128,687 $— $1,316,448 
Nonperforming— 201 254 201 464 2,386 250 — 3,756 
Total Residential Loans$162,087 $177,272 $225,652 $182,135 $107,159 $336,962 $128,937 $— $1,320,204 
Current-period gross charge-offs$— $— $— $— $— $49 $— $— $49 
Total Loans$684,361 $602,020 $644,738 $432,543 $279,745 $601,873 $149,261 $— $3,394,541 
Total gross
charge-offs		$1,272 $949 $1,669 $1,270 $443 $292 $— $— $5,895