Leases

3 Months Ended

Mar. 31, 2026

Leases [Abstract]

Leases

LEASES (Dollars In Thousands)

Arrow leases real property, primarily for financial services locations, and corporate vehicles. These leases generally require Arrow to pay third-party expenses on behalf of the Lessor, which are referred to as variable payments. Under some leases, Arrow pays the variable payments to the lessor, and in other leases, Arrow pays the variable payments directly to the applicable third party. None of Arrow's current leases include any residual value guarantees or any subleases, and there are no significant rights and obligations of Arrow for leases that have not commenced as of the reporting date.

The following includes quantitative data related to Arrow's leases as of and for the three months ended March 31, 2026 and March 31, 2025:

		Three Months Ended
Finance Lease Amounts:	Classification	March 31, 2026			March 31, 2025
Right-of-Use Assets	Premises and Equipment, Net	$	4,061		$	4,239
Lease Liabilities	Finance Leases	4,908			4,979
Operating Lease Amounts:
Right-of-Use Assets	Other Assets	$	4,752		$	4,834
Lease Liabilities	Other Liabilities	4,940			5,029
Other Information:
Cash Paid For Amounts Included In The Measurement Of Lease Liabilities:
Operating Outgoing Cash Flows From Finance Leases		$	47		$	47
Operating Outgoing Cash Flows From Operating Leases		169			188
Financing Outgoing Cash Flows From Finance Leases		21			26
Right-of-Use Assets Obtained In Exchange For New Finance Lease Liabilities		—			—
Right-of-Use Assets Obtained In Exchange For New Operating Lease Liabilities		716			376
Weighted-average Remaining Lease Term - Finance Leases (Yrs.)		24.14			25.09
Weighted-average Remaining Lease Term - Operating Leases (Yrs.)		9.32			9.86
Weighted-average Discount Rate—Finance Leases		3.75		%	3.75		%
Weighted-average Discount Rate—Operating Leases		3.49		%	3.45		%

Lease cost information for Arrow's leases is as follows:
	Three Months Ended
	March 31, 2026		March 31, 2025
Lease Cost:
Finance Lease Cost:
Reduction of Right-of-Use Assets	$	44	$	44
Interest on Lease Liabilities	47		47
Operating Lease Cost	210		215
Short-term Lease Cost	21		9
Variable Lease Cost	51		37
Total Lease Cost	$	373	$	352

Future Lease Payments at March 31, 2026 are as follows:
	Operating Leases		Financing Leases
Twelve Months Ended:
3/31/2027	$	882	$	267
3/31/2028	833		268
3/31/2029	689		268
3/31/2030	626		280
3/31/2031	611		292
Thereafter	2,198		6,356
Total Undiscounted Cash Flows	$	5,839	$	7,731
Less: Net Present Value Adjustment	(899)		(2,823)
Lease Liability	$	4,940	$	4,908

Leases

LEASES (Dollars In Thousands)

Arrow leases real property, primarily for financial services locations, and corporate vehicles. These leases generally require Arrow to pay third-party expenses on behalf of the Lessor, which are referred to as variable payments. Under some leases, Arrow pays the variable payments to the lessor, and in other leases, Arrow pays the variable payments directly to the applicable third party. None of Arrow's current leases include any residual value guarantees or any subleases, and there are no significant rights and obligations of Arrow for leases that have not commenced as of the reporting date.

The following includes quantitative data related to Arrow's leases as of and for the three months ended March 31, 2026 and March 31, 2025:

		Three Months Ended
Finance Lease Amounts:	Classification	March 31, 2026			March 31, 2025
Right-of-Use Assets	Premises and Equipment, Net	$	4,061		$	4,239
Lease Liabilities	Finance Leases	4,908			4,979
Operating Lease Amounts:
Right-of-Use Assets	Other Assets	$	4,752		$	4,834
Lease Liabilities	Other Liabilities	4,940			5,029
Other Information:
Cash Paid For Amounts Included In The Measurement Of Lease Liabilities:
Operating Outgoing Cash Flows From Finance Leases		$	47		$	47
Operating Outgoing Cash Flows From Operating Leases		169			188
Financing Outgoing Cash Flows From Finance Leases		21			26
Right-of-Use Assets Obtained In Exchange For New Finance Lease Liabilities		—			—
Right-of-Use Assets Obtained In Exchange For New Operating Lease Liabilities		716			376
Weighted-average Remaining Lease Term - Finance Leases (Yrs.)		24.14			25.09
Weighted-average Remaining Lease Term - Operating Leases (Yrs.)		9.32			9.86
Weighted-average Discount Rate—Finance Leases		3.75		%	3.75		%
Weighted-average Discount Rate—Operating Leases		3.49		%	3.45		%

Lease cost information for Arrow's leases is as follows:
	Three Months Ended
	March 31, 2026		March 31, 2025
Lease Cost:
Finance Lease Cost:
Reduction of Right-of-Use Assets	$	44	$	44
Interest on Lease Liabilities	47		47
Operating Lease Cost	210		215
Short-term Lease Cost	21		9
Variable Lease Cost	51		37
Total Lease Cost	$	373	$	352

Future Lease Payments at March 31, 2026 are as follows:
	Operating Leases		Financing Leases
Twelve Months Ended:
3/31/2027	$	882	$	267
3/31/2028	833		268
3/31/2029	689		268
3/31/2030	626		280
3/31/2031	611		292
Thereafter	2,198		6,356
Total Undiscounted Cash Flows	$	5,839	$	7,731
Less: Net Present Value Adjustment	(899)		(2,823)
Lease Liability	$	4,940	$	4,908