{"schema_version":"secwatch.filing_event.v1","accession":"0000717538-23-000212","form_type":"8-K","ticker":"AROW","cik":"0000717538","company_name":"ARROW FINANCIAL CORP","filed_at":"2023-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.806004+00:00","generated_at":"2026-06-09T15:09:27.374638+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Arrow Q3 net income $7.7M ($0.46 EPS); loans hit record $3.1B, 9% annualized growth","bullets":["Net income $7.7M, EPS $0.46; net interest margin 2.53%, down from 2.61% Q2 2023.","Record loans $3.1B, up $68.7M QoQ; deposits $3.7B, up $164.3M QoQ.","Nonperforming assets $6.9M (0.16% of assets); ACL/NPL coverage 491%.","Entered two pay-fixed fair value swaps ($250M + $50M notional) adding >$2M annual net interest income.","Incremental delayed-filing expenses $1.1M in Q3 ($4.1M YTD) reduced ROA by 9 basis points."],"urls":{"canonical":"https://secwatch.observer/filing/0000717538-23-000212","json":"https://secwatch.observer/filing/0000717538-23-000212.json","markdown":"https://secwatch.observer/filing/0000717538-23-000212.md","text":"https://secwatch.observer/filing/0000717538-23-000212.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/717538/000071753823000212/0000717538-23-000212-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/717538/000071753823000212/arow-20231024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T15:09:27.374638+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":"56ed83927a8e65f960333893f54c1c2cc803acf8","claim":"ARROW FINANCIAL CORP reported for the three-month period ended September 30, 2023 results: net income $7.7 million, EPS $0.46.","evidence_excerpt":"Arrow Reports Q3 2023 Net Income of $7.7 Million and Earnings per Share of $0.46, Loans of $3.1 Billion on 9% Annualized Loan Growth","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/717538/000071753823000212/0000717538-23-000212-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"for the three-month period ended September 30, 2023"},{"label":"Net income","value":"$7.7 million"},{"label":"EPS","value":"$0.46"},{"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"}