{"schema_version":"secwatch.filing_event.v1","accession":"0000717538-22-000226","form_type":"8-K","ticker":"AROW","cik":"0000717538","company_name":"ARROW FINANCIAL CORP","filed_at":"2022-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.337912+00:00","generated_at":"2026-06-23T00:24:11.690279+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Arrow Financial Q3 net income $12.2M, EPS $0.74; loan growth $80M to record $2.9B","bullets":["Q3 net income $12.2M (diluted EPS $0.74) vs $13.0M in Q3 2021; revenue $38.7M (+6.6% YoY).","Total loans $2.9B (record), up $80M in Q3 and 10.2% YoY; deposits $3.8B, up $249M in Q3.","Net interest margin 3.14%, up from 3.04% YoY; provision for credit losses $1.7M vs $99K.","Book value per share $20.91, down 4.2% due to unrealized losses; NPAs 0.24% vs 0.29%.","Cash dividend $0.27/share and 3% stock dividend distributed Sep 2022; both banks rated 5-star Bauer."],"urls":{"canonical":"https://secwatch.observer/filing/0000717538-22-000226","json":"https://secwatch.observer/filing/0000717538-22-000226.json","markdown":"https://secwatch.observer/filing/0000717538-22-000226.md","text":"https://secwatch.observer/filing/0000717538-22-000226.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/717538/000071753822000226/0000717538-22-000226-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/717538/000071753822000226/arow-20221027.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T00:24:11.690279+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"f9d9008715a2871b855a0f58a7ccec11d120834a","claim":"ARROW FINANCIAL CORP reported three-month period ended September 30, 2022 results: net income $12.2 million, EPS $0.74.","evidence_excerpt":"50 Glen Street Glens Falls, NY 12801 NASDAQ® Symbol: \"AROW\" Website: arrowfinancial.com Media Contact: Rachael Murray Tel: (518) 415-4313 Arrow Reports $12.2 million in Q3 Net Income, Loan Growth of $80 Million in the Quarter GLENS FALLS, N.Y.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/717538/000071753822000226/0000717538-22-000226-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three-month period ended September 30, 2022"},{"label":"Net income","value":"$12.2 million"},{"label":"EPS","value":"$0.74"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}