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Loans (Tables)
 3 Months Ended
Mar. 31, 2026
Receivables [Abstract]  
Past Due Financing Receivables
The following two tables present loan balances outstanding as of March 31, 2026 and December 31, 2025 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 $490 thousand and $3.4 million as of March 31, 2026 and December 31, 2025, 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, 2026
Loans past due 30-59 days$514 $— $13,620 $5,233 $19,367 
Loans past due 60-89 days175 — 4,606 1,059 5,840 
Loans past due 90 or more days304 — 1,290 1,960 3,554 
Total loans past due993 — 19,516 8,252 28,761 
Current loans168,606 811,770 1,052,027 1,377,802 3,410,205 
Total Loans$169,599 $811,770 $1,071,543 $1,386,054 $3,438,966 
December 31, 2025
Loans past due 30-59 days$584 $— $13,476 $808 $14,868 
Loans past due 60-89 days255 2,888 7,495 3,503 14,141 
Loans past due 90 or more days195 — 1,886 3,517 5,598 
Total loans past due1,034 2,888 22,857 7,828 34,607 
Current loans164,695 815,371 1,053,150 1,385,270 3,418,486 
Total loans$165,729 $818,259 $1,076,007 $1,393,098 $3,453,093 

Schedule of Nonaccrual Loans by Category
Commercial
March 31, 2026CommercialReal EstateConsumerResidentialTotal
Loans 90 or more days past due
  and Still Accruing Interest		$— $— $— $621 $621 
Nonaccrual loans304 — 1,355 2,143 3,802 
Nonaccrual with no allowance for credit loss— — — 1,027 1,027 
December 31, 2025
Loans 90 or more days past due
  and Still Accruing Interest		$27 $— $31 $1,983 $2,040 
Nonaccrual loans168 — 1,879 4,368 6,415 
Nonaccrual with no allowance for credit loss168 — 1,879 4,368 6,415 
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, 2026 and March 31, 2025:

Allowance for Credit Losses
CommercialCommercial Real EstateConsumerResidentialTotal
December 31, 2025$2,954 $15,260 $4,090 $12,018 $34,322 
Charge-offs$— $— $(1,560)$(14)$(1,574)
Recoveries$— $— $759 $— $759 
Provision$(499)$(703)$1,221 $529 $548 
March 31, 2026$2,455 $14,557 $4,510 $12,533 $34,055 
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 $37,771 
The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of March 31, 2026 and December 31, 2025:
March 31, 2026Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— — — 
Consumer— — — 
Residential1,027 — 1,027 
Total$1,027 $— $1,027 

December 31, 2025Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— — — 
Consumer— — — 
Residential3,172 — 3,172 
Total$3,172 $— $3,172 
Financing Receivable, Modified, Past Due
The following table presents the amortized cost basis of loans at March 31, 2026 that were both experiencing financial difficulty and modified during the trailing 12 months ended March 31, 2026, by class and by type of modification.
March 31, 2026
CurrentLoans Past Due 30-59 DaysLoans Past Due 60-89 DaysLoans Past Due 90 or more DaysTotal Loans Past Due
Commercial$— $— $— $— $— 
Commercial Real Estate— — — — — 
Consumer— — — — — 
Residential348 — — — — 
Total$348 $— $— $— $— 
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, 2026 and December 31, 2025:
Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving Loan Converted to TermTotal
March 31, 202620262025202420232022Prior
Commercial:
Risk rating
Satisfactory$12,197 $39,452 $39,302 $18,748 $15,402 $28,085 $11,114 $— $164,300 
Special mention— 132 — 25 — — — — 157 
Substandard— — 88 293 745 2,861 1,155 — 5,142 
Doubtful— — — — — — — — — 
Total Commercial Loans$12,197 $39,584 $39,390 $19,066 $16,147 $30,946 $12,269 $— $169,599 
Current-period gross charge-offs$— $— $— $— $— $— $— $— $— 
Commercial Real Estate:
Risk rating
Satisfactory$8,157 $93,054 $113,161 $77,881 $133,042 $345,620 $3,286 $— $774,201 
Special mention— 301 6,317 778 7,449 7,653 — — 22,498 
Substandard— 2,527 — 141 2,960 9,179 264 — 15,071 
Doubtful— — — — — — — — — 
Total Commercial Real Estate Loans$8,157 $95,882 $119,478 $78,800 $143,451 $362,452 $3,550 $— $811,770 
Current-period gross charge-offs$— $— $— $— $— $— $— $— $— 
Consumer:
Risk rating
Performing$114,168 $349,748 $250,442 $169,275 $122,322 $63,771 $462 $— $1,070,188 
Nonperforming— 264 342 214 331 204 — — 1,355 
Total Consumer Loans$114,168 $350,012 $250,784 $169,489 $122,653 $63,975 $462 $— $1,071,543 
Current-period gross charge-offs$— $135 $469 $341 $293 $322 $— $— $1,560 
Residential:
Risk rating
Performing$17,463 $151,890 $166,240 $156,001 $201,232 $554,780 $135,684 $— $1,383,290 
Nonperforming— 204 475 285 — 1,548 252 — 2,764 
Total Residential Loans$17,463 $152,094 $166,715 $156,286 $201,232 $556,328 $135,936 $— $1,386,054 
Current-period gross charge-offs$— $— $— $— $— $14 $— $— $14 
Total Loans$151,985 $637,572 $576,367 $423,641 $483,483 $1,013,701 $152,217 $— $3,438,966 
Total gross
charge-offs		$— $135 $469 $341 $293 $336 $— $— $1,574 
Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving Loan Converted to TermTotal
December 31, 202520252024202320222021Prior
Commercial:
Risk rating
Satisfactory$40,855 $41,908 $20,671 $15,915 $12,070 $19,917 $9,765 $— $161,101 
Special mention196 — 25 — — — — — 221 
Substandard— — 410 92 — 2,896 1,009 — 4,407 
Doubtful— — — — — — — — — 
Total Commercial Loans$41,051 $41,908 $21,106 $16,007 $12,070 $22,813 $10,774 $— $165,729 
Current-period gross charge-offs$— $— $— $— $— $— $— $— $— 
Commercial Real Estate:
Risk rating
Satisfactory$90,358 $113,616 $78,723 $128,103 $96,305 $264,374 $2,112 $— $773,591 
Special mention302 6,348 275 7,504 4,749 3,808 473 — 23,459 
Substandard2,127 — 341 4,104 304 14,069 264 — 21,209 
Doubtful— — — — — — — — — 
Total Commercial Real Estate Loans$92,787 $119,964 $79,339 $139,711 $101,358 $282,251 $2,849 $— $818,259 
Current-period gross charge-offs$— $— $— $— $1,656 $2,162 $— $— $3,818 
Consumer:
Risk rating
Performing$370,436 $281,349 $194,467 $144,210 $62,395 $20,796 $444 $— $1,074,097 
Nonperforming121 502 363 421 375 128 — — 1,910 
Total Consumer Loans$370,557 $281,851 $194,830 $144,631 $62,770 $20,924 $444 $— $1,076,007 
Current-period gross charge-offs$291 $1,472 $1,380 $1,367 $904 $271 $— $— $5,685 
Residential:
Risk rating
Performing$144,618 $172,965 $160,802 $206,858 $170,889 $395,132 $135,483 $— $1,386,747 
Nonperforming204 1,041 337 1,966 342 2,291 170 — 6,351 
Total Residential Loans$144,822 $174,006 $161,139 $208,824 $171,231 $397,423 $135,653 $— $1,393,098 
Current-period gross charge-offs$— $— $— $20 $— $31 $— $— $51 
Total Loans$649,217 $617,729 $456,414 $509,173 $347,429 $723,411 $149,720 $— $3,453,093 
Total gross
charge-offs		$291 $1,472 $1,380 $1,387 $2,560 $2,464 $— $— $9,554