{"schema_version":"secwatch.filing_event.v1","accession":"0000717538-24-000110","form_type":"8-K","ticker":"AROW","cik":"0000717538","company_name":"ARROW FINANCIAL CORP","filed_at":"2024-10-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.895522+00:00","generated_at":"2026-05-30T07:47:49.168375+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Arrow Financial reports Q3 EPS $0.53, up from $0.46 YoY; NIM widens to 2.78%","bullets":["Net income $9.0M, diluted EPS $0.53 vs $0.46 in Q3 2023; net interest margin improved to 2.78% (2.79% FTE).","Acquired assets of A&B Agency (insurance) and a Whitehall, NY branch; expects to unify banks into Arrow Bank NA by Dec 31, 2024.","Deposit balances $3.8B, loan-to-deposit ratio 87.0%; year-to-date loan growth $126.3M (5.2% annualized).","Net charge-offs 0.08% annualized; nonperforming assets 0.51% of assets; allowance for credit losses 0.94% of loans.","Announced Q4 dividend increase; Piper Sandler Sm-All Stars recognition; tangible book value $21.95, up $0.57 QoQ."],"urls":{"canonical":"https://secwatch.observer/filing/0000717538-24-000110","json":"https://secwatch.observer/filing/0000717538-24-000110.json","markdown":"https://secwatch.observer/filing/0000717538-24-000110.md","text":"https://secwatch.observer/filing/0000717538-24-000110.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/717538/000071753824000110/0000717538-24-000110-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/717538/000071753824000110/arow-20241031.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T07:47:49.168375+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}