{"schema_version":"secwatch.filing_event.v1","accession":"0000717538-25-000093","form_type":"8-K","ticker":"AROW","cik":"0000717538","company_name":"ARROW FINANCIAL CORP","filed_at":"2025-10-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.982776+00:00","generated_at":"2026-05-17T01:28:40.054909+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Arrow Q3 net income $12.8M ($0.77 EPS), record NII $34.1M, dividend $0.29","bullets":["Net income of $12.8M, EPS $0.77, up from $10.8M ($0.65) in Q2; ROA improved to 1.16%.","Record net interest income of $34.1M; NIM expanded to 3.22% (3.24% FTE) from 3.15%.","Tangible book value per share rose 2.7% to $23.85; $1.4M shares repurchased in Q3.","Quarterly dividend declared $0.29 per share, payable Nov 24 to holders of record Nov 12.","Unification costs of $600K ($0.03 EPS) fully incurred in July; no further costs expected."],"urls":{"canonical":"https://secwatch.observer/filing/0000717538-25-000093","json":"https://secwatch.observer/filing/0000717538-25-000093.json","markdown":"https://secwatch.observer/filing/0000717538-25-000093.md","text":"https://secwatch.observer/filing/0000717538-25-000093.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/717538/000071753825000093/0000717538-25-000093-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/717538/000071753825000093/arow-20251029.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:28:40.054909+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"}