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Arrow Financial Corp
250 Glen St
Phone: (518) 745-1000p:518 745-1000 GLENS FALLS, NY  12801  United States Ticker: AROWAROW
Business Summary
Arrow Financial Corporation is a bank holding company. The Company through its subsidiary, Arrow Bank National Association (Arrow Bank) provides a full range of services to individuals and small to mid-size businesses in New York State from Albany to the Canadian border. In addition, through an indirect lending program, it sources consumer loans from a network of automobile dealers that operate throughout New York and Vermont. It has a wealth management department which provides investment management and trust services. It’s subsidiary of Arrow Bank is Upstate Agency LLC, offering insurance services including property, and casualty insurance, group health insurance and individual life insurance products. North Country Investment Advisers, Inc., a registered investment adviser that provides investment advice to its proprietary mutual fund, and Arrow Properties, Inc., a real estate investment trust, or REIT, are subsidiaries of Arrow Bank.

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
12/31/202412/31/2024YesYes---

Industries
SIC Code Description
6021 National commercial banks
6029 Commercial banks, not elsewhere classified
6282 Investment advice
6712 Offices of bank holding companies

Officers and Directors

Title
Name
Age		 Title
Date		 Start
Date
Independent Chairman of the Board Tenee R.Casaccio 58 6/5/2024 12/31/2013
President, Chief Executive Officer, Director David S.Demarco 62 7/26/2023 5/1/2009
Chief Financial Officer, Senior Executive Vice President, Chief Accounting Officer, Treasurer Penko K.Ivanov 55 2/1/2024 2/21/2023
9 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 Bank National Association
Arrow Capital Statutory Trust II
7 additional Business Names available in full report.

General Information
Number of Employees: 554 (As of 12/31/2024)
Outstanding Shares: 16,717,564 (As of 2/28/2025)
Shareholders: 10,000
Stock Exchange: NASD
Federal Tax Id: 222448962
Email Address: mail@arrowfinancial.com


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Friday, March 28, 2025