Arrow Financial receives OCC approval for Adirondack Bancorp merger; close expected July 1, 2026

ARROW FINANCIAL CORP

OCC approved the merger of Arrow and Adirondack Bancorp; closing on or around July 1, 2026.
Closing subject to Adirondack shareholder vote, NY DFS and Fed approvals, and other conditions.
Combined company projected to have ~$5.4B in assets, $4.8B deposits, and $4.1B in gross loans.
Merger extends Arrow's footprint into Oneida, Herkimer, and Franklin counties.
Systems integration expected in Q4 2026; combined operations under Arrow brand.

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