{"schema_version":"secwatch.filing_event.v1","accession":"0000717538-23-000165","form_type":"8-K","ticker":"AROW","cik":"0000717538","company_name":"ARROW FINANCIAL CORP","filed_at":"2023-08-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.483479+00:00","generated_at":"2026-06-12T03:14:41.995365+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Arrow Financial reports Q2 net income $6.0M, EPS $0.36; loans hit record $3.1B","bullets":["Net income $6.0M vs $8.6M Q1 2023 and $12.0M Q2 2022; diluted EPS $0.36.","Total loans reached record $3.1B, up 2.1% from Q1; loan-to-deposit ratio 88%.","Net interest margin compressed to 2.61% from 2.96% Q1 and 3.02% Q2 2022, as interest expense surged.","Nonperforming assets fell to $7.1M (0.17% of assets) from $11.3M; allowance coverage 477% of NPLs.","Back in full compliance with NASDAQ filing requirements; $0.27 quarterly dividend declared, unchanged."],"urls":{"canonical":"https://secwatch.observer/filing/0000717538-23-000165","json":"https://secwatch.observer/filing/0000717538-23-000165.json","markdown":"https://secwatch.observer/filing/0000717538-23-000165.md","text":"https://secwatch.observer/filing/0000717538-23-000165.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/717538/000071753823000165/0000717538-23-000165-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/717538/000071753823000165/arow-20230808.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-12T03:14:41.995365+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":"84a259761cbe5e44b11d25bcf3abbd0c34f4ada3","claim":"ARROW FINANCIAL CORP reported the second quarter of 2023 results: net income $6.0 million, EPS $0.36.","evidence_excerpt":"Net Income: Net income for the second quarter of 2023 was $6.0 million, decreasing from $8.6 million and $12.0 million in the first quarter of 2023 and the second quarter of 2022, respectively.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/717538/000071753823000165/0000717538-23-000165-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the second quarter of 2023"},{"label":"Net income","value":"$6.0 million"},{"label":"EPS","value":"$0.36"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"f9bbddaa344b4591315556b5c1ea766df0152e2a","claim":"ARROW FINANCIAL CORP reported the three-month period ended June 30, 2023 results: net income $6.0 million, EPS $0.36.","evidence_excerpt":"Arrow Reports $6.0 million in Q2 2023 Net Income, Loans Reach Record High of $3.1 Billion GLENS FALLS, N.Y. (August 8, 2023) – Arrow Financial Corporation (NasdaqGS ® – AROW) (\"Arrow\") announced financial results for the three-month period ended June 30, 2023. Net income for the second quarter of 2023 was $6.0 million and fully diluted earnings per share was $0.36.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/717538/000071753823000165/0000717538-23-000165-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three-month period ended June 30, 2023"},{"label":"Net income","value":"$6.0 million"},{"label":"EPS","value":"$0.36"},{"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"}