Arrow Financial Q1 net income $6.3M ($0.38 EPS); NIM expands to 3.07% on record NII

ARROW FINANCIAL CORP

2025-Q1 EPS reported $0.38

Net income of $6.3M vs $4.5M in Q4 2024; includes $3.75M specific reserve on a $15M CRE loan.
Net interest income record $31.4M; net interest margin (FTE) up to 3.08% from 2.85% prior quarter.
Deposits $4.0B (+$140M QoQ); loan growth $22M (2.5% annualized); regulatory capital ratios well above well-capitalized thresholds.
Tangible book value $22.72; repurchased 128,047 shares for $3.4M; Board added $5M to buyback authority (total $6.6M).
Quarterly dividend $0.28/share declared payable May 23 to holders of record May 13; bank unification on track for July 2025.

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