Arrow Financial Q1 adjusted EPS $0.85, NIM expands to 3.47%, declares $0.30 dividend

ARROW FINANCIAL CORP

2026-Q1 EPS reported $0.82

Net income $13.5M ($0.82 EPS); adjusted EPS $0.85 excluding $790K merger costs.
Net interest margin improved to 3.47% (3.48% FTE) from 3.24% in Q4 2025.
Non-performing loans fell to 0.13% of total loans; annualized charge-offs 0.10%.
Quarterly dividend of $0.30 per share declared, payable May 26, 2026.
Adirondack Bancorp acquisition ($950M assets, 19 branches) expected to close early Q3 2026.

item 2.02 item 7.01 item 8.01 item 9.01

Key facts

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Earnings Releases SEC 8-K Item 2.02 confidence 0.9

ARROW FINANCIAL CORP reported first quarter of 2026 results: net income $13.5 million, EPS $0.82.

Period: first quarter of 2026
Net income: $13.5 million
EPS: $0.82
Result: reported results

Exact text from the filing

Reported net income for the first quarter of 2026 was $13.5 million and fully diluted earnings per share ("EPS") was $0.82, versus net income of $14.0 million and EPS of $0.85 for the fourth quarter of 2025.

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Source: SEC EDGAR

accession 0000717538-26-000050

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