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Arrow Financial Corporation
250 Glen St
Phone: (518) 415-4299p:518 415-4299 GLENS FALLS, NY  12801  United States Ticker: AROWAROW

Business Summary
Arrow Financial Corporation is a bank holding company. The Company's banking subsidiaries include Glens Falls National Bank and Trust Company (GFNB) and Saratoga National Bank and Trust Company (SNB). The two banks provide a full range of services for individuals and small to mid-size businesses in northeastern New York State from Albany, the state's capitol, to the Canadian border. It is engaged in a range of lending activities, including commercial and industrial lending primarily to small and mid-sized companies; mortgage lending for residential and commercial properties, and consumer installment and home equity financing. It also provides retirement planning, trust and estate administration services for individuals, and pension, profit-sharing and employee benefit plan administration for corporations. GFNB's subsidiary, Upstate Agency LLC, offers insurance services, including property and casualty insurance, group health insurance and individual life insurance products.
(Source: 10-K)

Scores and Ratings
FRISK®
Score
Z''
Score
PAYCE®
Score
DBT
Index
Moody's
Rating
Fitch
Rating
DBRS
Rating
Yes--Yes---

Financials, News and Filings
Latest
Statement
Last
Audit

News
SEC
Filings
Bankruptcy
Filings
Suit &
Judgment
Filings
Tax
Lien
Filings
12/31/202312/31/2023YesYes---

Officers and Directors

Title

Name

Age
Title
Date
Start
Date
Independent Chairman of the board William L.Owens 74 5/1/2023 1/12/2015
President, Chief Executive Officer, Director David S.Demarco 61 7/26/2023 5/1/2009
Chief Financial Officer, Executive Vice President, Chief Accounting Officer, Treasurer Penko K.Ivanov 54 2/21/2023 2/21/2023
6 additional Officers and Directors records available in full report.

Subsidiaries
Business Name Address City State/Province Country
Glens Falls National Bank and Trust Company 250 GLEN STREET GLENS FALLS NY United States
Saratoga National Bank and Trust 171 South Broadway Saratoga Springs NY United States

Business Names
Business Name
AROW
Arrow Capital Statutory Trust II
Arrow Capital Statutory Trust III
7 additional Business Names available in full report.

General Information
Number of Employees: 537 (As of 12/31/2023)
Outstanding Shares: 16,553,058 (As of 2/29/2024)
Shareholders: 12,000
Stock Exchange: NASD
Federal Tax Id: 222448962
Email Address: mail@arrowfinancial.com


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Thursday, March 28, 2024