X0508 4 2026-01-28 0 0000717538 ARROW FINANCIAL CORP AROW 0001575917 Read Colin L 81 BLAIR ROAD PLATTSBURGH NY 12901 1 0 0 0 0 Common Stock 2026-01-28 4 A 0 818 32.43 A 30150 D Common Stock 3020 I Held By Wife The restricted stock vests in 3 equal installments on each of January 28, 2027, January 28, 2028, and January 28, 2029. The reporting person disclaims beneficial ownership of these securities and this report shall not be deemed an admission that the reporting person is the beneficial owner of the securities for any purpose. Penko Ivanov, Attorney in Fact 2026-02-03