{"schema_version":"secwatch.filing_event.v1","accession":"0000717538-25-000076","form_type":"8-K","ticker":"AROW","cik":"0000717538","company_name":"ARROW FINANCIAL CORP","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.215490+00:00","generated_at":"2026-05-18T02:52:49.192072+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Arrow Q2 net income $10.8M ($0.65 EPS), dividend raised to $0.29, $5M buyback authorized","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000717538-25-000076","json":"https://secwatch.observer/filing/0000717538-25-000076.json","markdown":"https://secwatch.observer/filing/0000717538-25-000076.md","text":"https://secwatch.observer/filing/0000717538-25-000076.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/717538/000071753825000076/0000717538-25-000076-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/717538/000071753825000076/arow-20250723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T02:52:49.192072+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"}