---
schema_version: "secwatch.filing_event.v1"
accession: "0000717538-24-000090"
form_type: "8-K"
ticker: "AROW"
cik: "0000717538"
company_name: "ARROW FINANCIAL CORP"
filed_at: "2024-07-23T23:59:59+00:00"
generated_at: "2026-05-31T18:18:25.272060+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Arrow Financial receives OCC approval to merge two bank subsidiaries into Arrow Bank NA

## Summary
- OCC approved the combination of Glens Falls National Bank and Saratoga National Bank into Arrow Bank National Association.
- Arrow Bank will have ~$4.2B in assets, 37 branches, and more than 550 employees.
- Leadership team, branch locations, and staffing remain unchanged post-unification.
- Unification aims for operational efficiencies, unified branding, and enhanced strategic growth.
- Press release dated July 23, 2024, confirms regulatory approval after public comment period.

## SEC filing metadata
- accession: 0000717538-24-000090
- form_type: 8-K
- ticker: AROW
- cik: 0000717538
- company_name: ARROW FINANCIAL CORP
- filed_at: 2024-07-23T23:59:59+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/717538/000071753824000090/0000717538-24-000090-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/717538/000071753824000090/arow-20240722.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000717538-24-000090
- JSON: https://secwatch.observer/filing/0000717538-24-000090.json
- Plain text: https://secwatch.observer/filing/0000717538-24-000090.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.