---
schema_version: "secwatch.filing_event.v1"
accession: "0000717538-26-000070"
form_type: "8-K"
ticker: "AROW"
cik: "0000717538"
company_name: "ARROW FINANCIAL CORP"
filed_at: "2026-06-01T20:30:36+00:00"
generated_at: "2026-06-01T20:40:27.054288+00:00"
event_type: "m_and_a"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000717538-26-000070
- form_type: 8-K
- ticker: AROW
- cik: 0000717538
- company_name: ARROW FINANCIAL CORP
- filed_at: 2026-06-01T20:30:36+00:00
- event_type: m_and_a
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/717538/000071753826000070/0000717538-26-000070-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/717538/000071753826000070/arow-20260601.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000717538-26-000070
- JSON: https://secwatch.observer/filing/0000717538-26-000070.json
- Plain text: https://secwatch.observer/filing/0000717538-26-000070.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.