secwatch.observer — SEC 8-K summary
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Issuer:     ARROW FINANCIAL CORP (AROW)
CIK:        0000717538
Form:       8-K
Filed at:   2022-10-27T23:59:59+00:00
Accession:  0000717538-22-000226
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Arrow Financial Q3 net income $12.2M, EPS $0.74; loan growth $80M to record $2.9B
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/717538/000071753822000226/0000717538-22-000226-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/717538/000071753822000226/arow-20221027.htm
  HTML page:      https://secwatch.observer/filing/0000717538-22-000226

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer