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Loans (Tables)
 9 Months Ended
Sep. 30, 2025
Receivables [Abstract]  
Past Due Financing Receivables
The following two tables present loan balances outstanding as of September 30, 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 $3.0 million and $759 thousand as of September 30, 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
September 30, 2025
Loans past due 30-59 days
$216 $— $11,089 $660 $11,965 
Loans past due 60-89 days
231 — 5,955 5,459 11,645 
Loans past due 90 or more days
245 — 1,525 1,672 3,442 
Total loans past due
692 — 18,569 7,791 27,052 
Current loans
169,638 809,696 1,070,664 1,364,959 3,414,957 
Total Loans$170,330 $809,696 $1,089,233 $1,372,750 $3,442,009 
December 31, 2024
Loans past due 30-59 days
$355 $— $11,211 $391 $11,957 
Loans past due 60-89 days
156 318 5,417 2,685 8,576 
Loans past due 90 or more days
102 14,902 2,225 2,239 19,468 
Total loans past due
613 15,220 18,853 5,315 40,001 
Current loans
158,378 781,145 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
September 30, 2025CommercialReal EstateConsumerResidentialTotal
Loans 90 or more days past due
  and Still Accruing Interest
$— $— $36 $649 $685 
Nonaccrual loans
245 — 1,644 3,726 5,615 
Nonaccrual with no allowance for credit loss
245 — 1,644 3,726 5,615 
December 31, 2024
Loans 90 or more days past due
  and Still Accruing Interest
$— $— $19 $379 $398 
Nonaccrual loans
102 14,902 2,241 3,376 20,621 
Nonaccrual with no allowance for credit loss102 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 and nine months ended September 30, 2025 and September 30, 2024:

Allowance for Credit Losses
CommercialCommercial Real EstateConsumerResidentialTotal
June 30, 2025$2,775 $16,012 $4,393 $11,011 $34,191 
Charge-offs$— $— $(1,464)$— $(1,464)
Recoveries$— $— $634 $— $634 
Provision$(40)$(644)$610 $889 $815 
September 30, 2025$2,735 $15,368 $4,173 $11,900 $34,176 
December 31, 2024$1,925 $14,507 $3,882 $13,284 $33,598 
Charge-offs$— $(3,818)$(4,208)$(51)$(8,077)
Recoveries$— $75 $2,152 $— $2,227 
Provision$810 $4,604 $2,347 $(1,333)$6,428 
September 30, 2025$2,735 $15,368 $4,173 $11,900 $34,176 
June 30, 2024$2,031 $14,111 $2,985 $11,882 $31,009 
Charge-offs$— $— $(1,388)$(41)$(1,429)
Recoveries$— $— $748 $— $748 
Provision$(133)$(66)$296 $837 $934 
September 30, 2024$1,898 $14,045 $2,641 $12,678 $31,262 
December 31, 2023$1,958 $15,521 $2,566 $11,220 $31,265 
Charge-offs$(9)$— $(4,512)$(41)$(4,562)
Recoveries$— $— $2,233 $— $2,233 
Provision$(51)$(1,476)$2,354 $1,499 $2,326 
September 30, 2024$1,898 $14,045 $2,641 $12,678 $31,262 
The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of September 30, 2025 and December 31, 2024:
September 30, 2025Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— — — 
Consumer— — — 
Residential2,585 — 2,585 
Total$2,585 $— $2,585 

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
September 30, 2025
Ending Loan Balance - Collectively Evaluated$170,330 $809,696 $1,089,233 $1,370,165 $3,439,424 
Allowance for Credit Losses - Loans Collectively Evaluated2,735 15,368 4,173 11,900 34,176 
Ending Loan Balance - Individually Evaluated— — — 2,585 2,585 
Allowance for Credit Losses - Loans Individually Evaluated— — — — — 
December 31, 2024
Ending Loan Balance - Collectively Evaluated$158,991 $781,463 $1,118,981 $1,318,787 $3,378,222 
Allowance for Credit Losses - Loans Collectively Evaluated1,925 14,507 3,882 13,284 33,598 
Ending Loan Balance - Individually Evaluated— 14,902 — 1,417 16,319 
Allowance for Credit Losses - Loans Individually Evaluated— — — — — 
Financing Receivable, Modified
The following tables present the amortized cost basis of loans at September 30, 2025 that were both experiencing financial difficulty and modified during the three and nine months ended September 30, 2025, by class and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class financing receivable is also present below. We had no reportable loan modifications for the year ended December 31, 2024.
Three Months Ended September 30, 2025
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate ReductionCombination Term Extension and Principal ForgivenessCombination Term Extension and Interest Rate ReductionTotal Class of Financing Receivable
Commercial$— $— $— $— $— $— — %
Commercial Real Estate— — — — — — — %
Consumer— — — — — — — %
Residential— 351 — — — — 0.03 %
Total$— $351 $— $— $— $— 0.01 %
Nine Months Ended September 30, 2025
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate ReductionCombination Term Extension and Principal ForgivenessCombination Term Extension and Interest Rate ReductionTotal Class of Financing Receivable
Commercial$— $— $— $— $— $— — %
Commercial Real Estate— — — — — — — %
Consumer— — — — — — — %
Residential— 1,056 — — — — 0.08 %
Total$— $1,056 $— $— $— $— 0.03 %
The following table presents the financial effect of the loan modification presented above to borrowers experiencing financial difficulty for the three and nine months ended September 30, 2025. Loan modifications currently included in the Payment Delay column
of the tables above are modifications to bring past due balances current, without extending the term, adjusting the interest rate, or forgiving any principal amounts. The modifications increased the monthly payment amounts for a certain number of months of the remaining term of the loans. Present value of cash flows under the new terms have not changed by 10% or more in comparison to the original terms. There were no reportable loan modifications for the year ended December 31, 2024.

Three Months Ended September 30, 2025
Principal ForgivenessWeighted-Average Interest Rate ReductionWeighted-Average Term Extension
Commercial$— — %0
Commercial Real Estate— — %0
Consumer— — %0
Residential— — %0
Total— — %0
Nine Months Ended September 30, 2025
Principal ForgivenessWeighted-Average Interest Rate ReductionWeighted-Average Term Extension
Commercial$— — %0
Commercial Real Estate— — %0
Consumer— — %0
Residential— — %0
Total— — %0
Financing Receivable, Modified, Past Due The following table presents the performance of such loans that have been modified in the last 12 months. There were no reportable loan modifications for the year ended December 31, 2024.
Three Months Ended September 30, 2025
CurrentLoans Past Due 30-59 DaysLoans Past Due 60-89 DaysLoans Past Due 90 or more DaysTotal Loans Past Due
Commercial$— $— $— $— $— 
Commercial Real Estate— — — — — 
Consumer— — — — — 
Residential351 — — — — 
Total$351 $— $— $— $— 

Nine Months Ended September 30, 2025
CurrentLoans Past Due 30-59 DaysLoans Past Due 60-89 DaysLoans Past Due 90 or more DaysTotal Loans Past Due
Commercial$— $— $— $— $— 
Commercial Real Estate— — — — — 
Consumer— — — — — 
Residential1,056 — — — — 
Total$1,056 $— $— $— $— 
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, 2025 and December 31, 2024:

Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving Loan Converted to TermTotal
September 30, 202520252024202320222021Prior
Commercial:
Risk rating
Satisfactory$27,494 $43,661 $21,989 $17,751 $13,015 $29,216 $11,032 $— $164,158 
Special mention495 — 60 158 — — 478 — 1,191 
Substandard— — 439 102 — 2,930 1,510 — 4,981 
Doubtful— — — — — — — — — 
Total Commercial Loans$27,989 $43,661 $22,488 $18,011 $13,015 $32,146 $13,020 $— $170,330 
Current-period gross charge-offs$— $— $— $— $— $— $— $— $— 
Commercial Real Estate:
Risk rating
Satisfactory$46,994 $113,780 $93,842 $133,133 $100,394 $272,312 $3,972 $— $764,427 
Special mention303 4,725 276 12,422 4,791 4,688 — — 27,205 
Substandard— — 343 1,141 307 14,308 1,965 — 18,064 
Doubtful— — — — — — — — — 
Total Commercial Real Estate Loans$47,297 $118,505 $94,461 $146,696 $105,492 $291,308 $5,937 $— $809,696 
Current-period gross charge-offs$— $— $— $— $1,656 $2,162 $— $— $3,818 
Consumer:
Risk rating
Performing$290,403 $309,091 $217,438 $166,014 $75,359 $28,792 $456 $— $1,087,553 
Nonperforming106 461 482 254 291 86 — — 1,680 
Total Consumer Loans$290,509 $309,552 $217,920 $166,268 $75,650 $28,878 $456 $— $1,089,233 
Current-period gross charge-offs$221 $1,080 $1,093 $892 $728 $194 $— $— $4,208 
Residential:
Risk rating
Performing$104,692 $175,578 $165,796 $210,304 $173,254 $407,817 $130,934 $— $1,368,375 
Nonperforming— 258 — 1,994 343 1,605 175 — 4,375 
Total Residential Loans$104,692 $175,836 $165,796 $212,298 $173,597 $409,422 $131,109 $— $1,372,750 
Current-period gross charge-offs$— $— $— $20 $— $31 $— $— $51 
Total Loans$470,487 $647,554 $500,665 $543,273 $367,754 $761,754 $150,522 $— $3,442,009 
Total gross
charge-offs		$221 $1,080 $1,093 $912 $2,384 $2,387 $— $— $8,077 
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