{"schema_version":"secwatch.filing_event.v1","accession":"0000717538-23-000041","form_type":"8-K","ticker":"AROW","cik":"0000717538","company_name":"ARROW FINANCIAL CORP","filed_at":"2023-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.858714+00:00","generated_at":"2026-06-20T06:52:27.466032+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Arrow Financial FY2022 net income $48.8M, EPS $2.95; Q4 EPS up 17.7% to $0.73","bullets":["Net income $48.8M (diluted EPS $2.95) for FY2022, down 2.1% from $49.9M ($3.01) in FY2021.","Q4 net income $12.1M ($0.73/share), up 17.2% YoY from $10.3M ($0.62).","Record loan growth of $315M (11.8% YoY); total loans $2.98B at Dec 31, 2022.","Net interest margin improved to 3.03% (FY2022) from 2.97% (FY2021); provision for credit losses $4.8M vs $272K.","Deposits declined $52.1M to $3.50B; nonperforming assets 0.32% of period-end assets."],"urls":{"canonical":"https://secwatch.observer/filing/0000717538-23-000041","json":"https://secwatch.observer/filing/0000717538-23-000041.json","markdown":"https://secwatch.observer/filing/0000717538-23-000041.md","text":"https://secwatch.observer/filing/0000717538-23-000041.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/717538/000071753823000041/0000717538-23-000041-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/717538/000071753823000041/arow-20230130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T06:52:27.466032+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":"0bff90ae40effed61914f4146465f097c2ebe83d","claim":"ARROW FINANCIAL CORP reported the fourth quarter of 2022 results: net income $12.1 million, EPS $0.73.","evidence_excerpt":"For the fourth quarter of 2022, net income was $12.1 million, an increase of $1.8 million, or 17.2%, from the fourth quarter of 2021. Diluted EPS was $0.73 for the fourth quarter of 2022, an increase of 17.7% from $0.62 from the comparable 2021 quarter","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/717538/000071753823000041/0000717538-23-000041-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter of 2022"},{"label":"Net income","value":"$12.1 million"},{"label":"EPS","value":"$0.73"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"4c65adff6d88c019dde09b244dd68c40a3ae500b","claim":"ARROW FINANCIAL CORP reported fiscal year 2022 results: revenue $149.2 million, net income $48.8 million, EPS $2.95.","evidence_excerpt":"$0.62 from the comparable 2021 quarter. 2022 Annual Highlights Earnings: • Diluted earnings per Share (EPS) was $2.95. • Net income was $48.8 million. • Revenue for 2022 was $149.2 million. • Return on average assets (ROA) was 1.21%. • Return on average equity (ROE) was 13.55%. • Net interest margin was 3.03%. Balance Sheet: • Total assets were $3.97 billion as of","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/717538/000071753823000041/0000717538-23-000041-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fiscal year 2022"},{"label":"Revenue","value":"$149.2 million"},{"label":"Net income","value":"$48.8 million"},{"label":"EPS","value":"$2.95"},{"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"}