{"schema_version":"secwatch.filing_event.v1","accession":"0000717538-26-000110","form_type":"8-K","ticker":"AROW","cik":"0000717538","company_name":"ARROW FINANCIAL CORP","filed_at":"2026-07-23T11:29:51+00:00","discovered_at":"2026-07-23T11:35:00.282977+00:00","generated_at":"2026-07-23T11:35:24.970216+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Arrow Financial Q2 EPS $0.66 vs $0.82 Q1; $1.6M specific reserve; Adirondack acquisition closed","bullets":["Net income $11.0M ($0.66 diluted EPS) vs $13.5M ($0.82) in Q1; adjusted EPS $0.71 excluding $1.0M merger expenses.","Recorded $1.6M specific reserve ($0.08 per share) for isolated commercial real estate credit due to bankruptcy; NPLs rose to $8.7M.","Closed acquisition of Adirondack Bancorp on July 1, adding ~$1.0B assets and 19 branches; expects EPS accretion in 2027.","Net interest margin (FTE) 3.43%, down from 3.48% Q1; loan growth $57.6M (6.7% annualized).","Declared quarterly dividend $0.30 per share, payable Aug 25 to holders of record Aug 11."],"urls":{"canonical":"https://secwatch.observer/filing/0000717538-26-000110","json":"https://secwatch.observer/filing/0000717538-26-000110.json","markdown":"https://secwatch.observer/filing/0000717538-26-000110.md","text":"https://secwatch.observer/filing/0000717538-26-000110.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/717538/000071753826000110/0000717538-26-000110-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/717538/000071753826000110/arow-20260722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T11:35:24.970216+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}