---
schema_version: "secwatch.filing_event.v1"
accession: "0000717538-24-000094"
form_type: "8-K"
ticker: "AROW"
cik: "0000717538"
company_name: "ARROW FINANCIAL CORP"
filed_at: "2024-07-25T23:59:59+00:00"
generated_at: "2026-05-31T16:29:45.571320+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Arrow Q2 net income $8.6M ($0.52 EPS), up from $6.0M YoY; NIM improves to 2.67%

## Summary
- Net income $8.6M, EPS $0.52 vs $6.0M/$0.35 in Q2 2023.
- Net interest margin 2.67% (2.69% FTE) up from 2.60% prior quarter.
- Gross loans grew $57.6M (7.1% annualized); deposits $3.7B.
- Declared $0.27 dividend payable Aug 23; 45th consecutive quarterly dividend.
- Received OCC approval to combine banking subsidiaries into Arrow Bank NA effective Dec 31, 2024.

## SEC filing metadata
- accession: 0000717538-24-000094
- form_type: 8-K
- ticker: AROW
- cik: 0000717538
- company_name: ARROW FINANCIAL CORP
- filed_at: 2024-07-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/717538/000071753824000094/0000717538-24-000094-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/717538/000071753824000094/arow-20240724.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000717538-24-000094
- JSON: https://secwatch.observer/filing/0000717538-24-000094.json
- Plain text: https://secwatch.observer/filing/0000717538-24-000094.txt

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