secwatch.observer — SEC 8-K summary
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Issuer:     ARROW FINANCIAL CORP (AROW)
CIK:        0000717538
Form:       8-K
Filed at:   2026-04-30T23:59:59+00:00
Accession:  0000717538-26-000050
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 7.01, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/717538/000071753826000050/0000717538-26-000050-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/717538/000071753826000050/arow-20260429.htm
  HTML page:      https://secwatch.observer/filing/0000717538-26-000050

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer