Arrow Q2 net income $10.8M ($0.65 EPS), dividend raised to $0.29, $5M buyback authorized

ARROW FINANCIAL CORP

2025-Q2 EPS reported $1.03

Net income of $10.8M, EPS $0.65 vs. Q1 $6.3M ($0.38); record net interest income $32.5M.
Net interest margin (FTE) 3.16%, up from 3.08%; ROA 1.00% (1.08% excl. unification costs).
Quarterly dividend increased to $0.29/share (+3.6%), payable Aug 25; additional $5M buyback authorized.
Nonperforming assets improved to 0.16% of assets; net charge-offs 0.49% annualized on charge-off of reserved loan.
Completed bank unification in July 2025; $1.1M in non-core unification costs this quarter.

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