{"schema_version":"secwatch.filing_event.v1","accession":"0000717538-25-000045","form_type":"8-K","ticker":"AROW","cik":"0000717538","company_name":"ARROW FINANCIAL CORP","filed_at":"2025-05-01T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.094508+00:00","generated_at":"2026-05-23T01:25:38.465703+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Arrow Financial Q1 net income $6.3M ($0.38 EPS); NIM expands to 3.07% on record NII","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000717538-25-000045","json":"https://secwatch.observer/filing/0000717538-25-000045.json","markdown":"https://secwatch.observer/filing/0000717538-25-000045.md","text":"https://secwatch.observer/filing/0000717538-25-000045.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/717538/000071753825000045/0000717538-25-000045-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/717538/000071753825000045/arow-20250430.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T01:25:38.465703+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"}