ARROW FINANCIAL CORP

AROW · XNAS

CIK 717538fmd_06KFPW47BFCWNW4JHAE8DMAAPVFinance, Insurance and Real Estate · National Commercial BanksTemplate: Financials

Coverage: Jan 01, 2009 to Sep 30, 2026, 67 periods

Income Statement · Annual · Millions · USD
Line item	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Total revenues	99	105	113	117	132	143	149	134	–	–
Net interest income	72	78	84	88	99	110	118	105	–	–
Provision for credit losses	2	3	3	2	9	0	–	–	–	–
Realized investment gains (losses)	(0)	(0)	0	0	(0)	0	0	(0)	(3)	1
Net interest income after provision	70	75	81	86	90	110	114	101	107	126
Non-interest income	28	28	29	29	33	32	31	29	28	32
Compensation and benefits	35	38	39	38	42	45	47	48	53	56
Non-interest expense	60	63	65	67	71	78	82	93	97	103
Interest expense	5	7	12	22	13	5	11	58	83	77
Interest and investment income	77	85	97	110	112	116	130	163	195	210
Income tax expense	11	11	9	10	11	15	14	7	8	11
Net income	27	29	36	37	41	50	49	30	30	44
Net income to common shareholders	(0)	(1)	(0)	(1)	–	–	–	30	30	44