{"schema_version":"secwatch.filing_event.v1","accession":"0000717538-26-000050","form_type":"8-K","ticker":"AROW","cik":"0000717538","company_name":"ARROW FINANCIAL CORP","filed_at":"2026-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.672217+00:00","generated_at":"2026-05-15T01:19:34.476080+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 Financial Q1 adjusted EPS $0.85, NIM expands to 3.47%, declares $0.30 dividend","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000717538-26-000050","json":"https://secwatch.observer/filing/0000717538-26-000050.json","markdown":"https://secwatch.observer/filing/0000717538-26-000050.md","text":"https://secwatch.observer/filing/0000717538-26-000050.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/717538/000071753826000050/0000717538-26-000050-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/717538/000071753826000050/arow-20260429.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T01:19:34.476080+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":[{"claim_id":"4d76014070fb379d2371f0dc628fe4327b1f5951","claim":"ARROW FINANCIAL CORP reported first quarter of 2026 results: net income $13.5 million, EPS $0.82.","evidence_excerpt":"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.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/717538/000071753826000050/0000717538-26-000050-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter of 2026"},{"label":"Net income","value":"$13.5 million"},{"label":"EPS","value":"$0.82"},{"label":"Result","value":"reported results"}]}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}