---
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"
generated_at: "2026-05-18T02:52:49.192072+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000717538-25-000076
- JSON: https://secwatch.observer/filing/0000717538-25-000076.json
- Plain text: https://secwatch.observer/filing/0000717538-25-000076.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.