secwatch.observer — SEC 8-K summary
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Issuer:     ARROW FINANCIAL CORP (AROW)
CIK:        0000717538
Form:       8-K
Filed at:   2025-07-24T23:59:59+00:00
Accession:  0000717538-25-000076
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/717538/000071753825000076/0000717538-25-000076-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/717538/000071753825000076/arow-20250723.htm
  HTML page:      https://secwatch.observer/filing/0000717538-25-000076

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