{"schema_version":"secwatch.filing_event.v1","accession":"0000717538-25-000034","form_type":"8-K","ticker":"AROW","cik":"0000717538","company_name":"ARROW FINANCIAL CORP","filed_at":"2025-04-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.094363+00:00","generated_at":"2026-05-23T14:04:33.402609+00:00","sec_items":["8.01"],"event_type":"other_material","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Arrow Financial records $3.75M reserve on $15M CRE loan in foreclosure","bullets":["Recorded $3.75M specific reserve on a $15M commercial real estate loan secured by two Upstate NY office parks.","Loan had zero reserve based on Jan 2024 appraisal of $86.1M; new appraisal shows $50M valuation.","Borrower in payment default; bank group commenced foreclosure as of March 31, 2025.","Arrow is 22% participant in a $67M multi-bank deal; estimated remaining exposure ~$10.64M after reserve.","Event will adversely impact Arrow's Q1 2025 financial performance; more details in upcoming earnings release."],"urls":{"canonical":"https://secwatch.observer/filing/0000717538-25-000034","json":"https://secwatch.observer/filing/0000717538-25-000034.json","markdown":"https://secwatch.observer/filing/0000717538-25-000034.md","text":"https://secwatch.observer/filing/0000717538-25-000034.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/717538/000071753825000034/0000717538-25-000034-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/717538/000071753825000034/arow-20250416.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T14:04:33.402609+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"}