Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2025

The actual capital amounts and ratios for Arrow and Arrow Bank are presented in the table below as of December 31, 2025 and 2024:


	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, 2025
Total Capital (to Risk Weighted Assets):
Arrow	$	469,675	14.8	%	$	334,135	10.5	%	$	318,224	10.0	%
Arrow Bank National Association	449,958		14.3	%	331,045		10.5	%	315,281		10.0	%

Tier I Capital (to Risk Weighted Assets):
Arrow	434,101		13.6	%	270,490		8.5	%	254,579		8.0	%
Arrow Bank National Association	414,384		13.1	%	267,989		8.5	%	252,225		8.0	%

Tier I Capital (to Average Assets):
Arrow	434,101		9.7	%	179,450		4.0	%	224,313		5.0	%
Arrow Bank National Association	414,384		9.3	%	178,922		4.0	%	223,652		5.0	%

Common Equity Tier 1 Capital (to Risk Weighted Assets):
Arrow	414,050		13.0	%	222,757		7.0	%	206,846		6.5	%
Arrow Bank National Association	414,333		13.1	%	220,697		7.0	%	204,933		6.5	%


	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	%
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	%