secwatch.observer — SEC 8-K summary
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Issuer:     ARROW FINANCIAL CORP (AROW)
CIK:        0000717538
Form:       8-K
Filed at:   2025-05-01T23:59:59+00:00
Accession:  0000717538-25-000045
Event type: earnings
Sentiment:  neutral
Materiality: 0.70
Item codes: 2.02, 7.01, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/717538/000071753825000045/0000717538-25-000045-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/717538/000071753825000045/arow-20250430.htm
  HTML page:      https://secwatch.observer/filing/0000717538-25-000045

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