{"schema_version":"secwatch.filing_event.v1","accession":"0000717538-24-000072","form_type":"8-K","ticker":"AROW","cik":"0000717538","company_name":"ARROW FINANCIAL CORP","filed_at":"2024-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.759579+00:00","generated_at":"2026-06-03T05:00:38.874597+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Arrow Financial Q1 net income $7.7M ($0.45 EPS); loans up 6.1% annualized; margin improves","bullets":["Net income $7.7M vs $8.6M in Q1 2023; diluted EPS $0.45 vs $0.50.","Net interest margin 2.60% (up 7 bps QoQ, down 36 bps YoY) on higher earning asset yields.","Gross loans grew $50.5M (6.1% annualized); deposits increased $91.5M (2.5%) to $3.8B.","Allowance for credit losses 0.97% of loans; net charge-offs 0.04% annualized; NPAs 0.50% of assets.","Declared $0.27 dividend (44th consecutive quarterly) and authorized $5M stock repurchase program."],"urls":{"canonical":"https://secwatch.observer/filing/0000717538-24-000072","json":"https://secwatch.observer/filing/0000717538-24-000072.json","markdown":"https://secwatch.observer/filing/0000717538-24-000072.md","text":"https://secwatch.observer/filing/0000717538-24-000072.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/717538/000071753824000072/0000717538-24-000072-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/717538/000071753824000072/arow-20240424.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T05:00:38.874597+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":"ca86c4ee0158e3c4a3f7c048f9ce6a960d9f229e","claim":"ARROW FINANCIAL CORP reported the three-month period ended March 31, 2024 results: net income $7.7 million, EPS $0.45 per diluted share.","evidence_excerpt":"Net income for the first quarter of 2024 was $7.7 million and fully diluted earnings per share (\"EPS\") was $0.45","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/717538/000071753824000072/0000717538-24-000072-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three-month period ended March 31, 2024"},{"label":"Net income","value":"$7.7 million"},{"label":"EPS","value":"$0.45 per diluted share"},{"label":"Result","value":"reported results"}]}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}