Arrow Bank
Arrow Bank reported total assets of $4.5 bn at Q2 2026, up 1.2% on a year earlier, the 307th largest of 497 banks in our US coverage. The CET1 capital ratio at Arrow Bank was 12.71%, and the uninsured share of Arrow Bank was 30.32%. Source: FDIC Call Reports.
Key takeaways
- On uninsured share of domestic deposits, Arrow Bank climbed from 406th to 309th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , Arrow Bank has taken over 2 institutions; the latest was Adirondack Bank on (FDIC Call Reports).
- Over the year to , the total deposits of Arrow Bank fell by 6.5% to $3.7 bn, a bigger fall than at 98% of covered banks (FDIC Call Reports).
What sets Arrow Bank apart
How large is Arrow Bank?
The balance sheet of Arrow Bank at : assets $4.5 bn, deposits $3.7 bn, net loans $3.5 bn (loans equal to 94.14% of deposits). Securities make up 12.7% of total assets at Arrow Bank. Since , when Arrow Bank held $2.1 bn, its assets grew 114.2%. In the year to , deposits at Arrow Bank fell 6.5% while its total assets rose 1.2%. At , Arrow Bank employed 628 full-time equivalent staff across 38 offices, about $7.1 mn of assets per employee and $96.7 mn of deposits per office.
How much funding at Arrow Bank is uninsured?
At Arrow Bank, uninsured deposits (above the FDIC limit) made up 30.32% of domestic deposits at (+7.64 pp on a year earlier); Arrow Bank ranks 309th of 500 on this measure. In dollars, Arrow Bank estimated $1.1 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.7 bn | -6.5% | 303rd of 499 |
| Net loans and leases | $3.5 bn | +2.1% | 289th of 500 |
| Loan-to-deposit ratio | 94.14% | +7.86 pp | 130th of 500 |
| Tier 1 leverage ratio | 9.33% | +0.06 pp | 392nd of 500 |
| Total risk-based capital ratio | 13.87% | -0.15 pp | 267th of 448 |
| Net interest margin | 3.45% | +0.34 pp | 310th of 500 |
| Return on assets (ROA) | 1.11% | +0.31 pp | 343rd of 500 |
| Efficiency ratio | 60.50% | -4.36 pp | 338th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $220,000 | Narrowed by $581,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $21.4 mn | Narrowed by $2.1 mn | |
| Noncurrent loans to total loans | 0.24% | +0.06 pp | 78th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.09% | -0.21 pp | 252nd of 500 (1 = lowest) |
US rank of Arrow Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Arrow Bank: assets, deposits and loans
- Total assets $4.5bn
- Deposits $3.7bn
- Net loans $3.5bn
Capital and securities
The CET1 ratio of Arrow Bank stood at 12.71% in , -0.17 pp year on year. Low and high at Arrow Bank since : 12.71% () to 14.22% (). Equity capital of Arrow Bank at : $423.2 mn, or 9.5% of total assets. Arrow Bank also reported a total capital ratio of 13.87% for , and a tier 1 leverage ratio of 9.33%.
On held-to-maturity securities, Arrow Bank carried an unrealized loss of $220,000 at , equal to 0.1% of equity capital. The loss narrowed by $581,000 over the year. Its deepest point: $6.4 mn in . The available-for-sale portfolio of Arrow Bank showed an unrealized loss of $21.4 mn at ; the loss narrowed by $2.1 mn over the year.
Arrow Bank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 9.3%
Arrow Bank: unrealized securities gains and losses
- Available for sale -$21mn
- Held to maturity -$220,000
Profitability and loan quality
For the year to , Arrow Bank earned a return on equity of 11.47%; return on assets: 1.11%. Net interest margin at Arrow Bank: 3.45%, +0.34 pp in a year. Arrow Bank net income: $24.7 mn, up 41.7% year on year. The efficiency ratio of Arrow Bank was 60.50%: about 60 cents cost per revenue dollar, against 62 cents at the median peer.
At , noncurrent loans were 0.24% of total loans at Arrow Bank; net charge-offs: 0.09% of average loans. Gross loans and leases at Arrow Bank: $3.5 bn, up 2.1% in a year.
Arrow Bank: profitability
- Return on equity 11%
- Net interest margin 3.4%
- Return on assets 1.1%
Peer group of Arrow Bank
The peer group of Arrow Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Arrow Bank (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in New York. Against them, Arrow Bank shows CET1 ratio 12.71% against a peer median of 17.66%, return on equity 11.47% against a peer median of 11.52% and uninsured deposit share 30.32% against a peer median of 32.91%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Texas Exchange Bank | State nonmember bank | TX | $4.5 bn | 30.06% | 4.95% | 1.30% | |
| First Federal Bank | Federal savings bank | FL | $4.5 bn | 20.56% | 11.61% | 40.67% | |
| Metro City Bank | State nonmember bank | GA | $4.5 bn | 17.14% | 17.77% | 32.79% | |
| Arrow Bank | National bank | NY | $4.5 bn | 12.71% | 11.47% | 30.32% | |
| ChoiceOne Bank | State member bank | MI | $4.5 bn | 11.81% | 10.68% | 33.04% | |
| Capital City Bank | State member bank | FL | $4.4 bn | 18.18% | 12.85% | 47.83% | |
| HomeTrust Bank | State member bank | NC | $4.4 bn | 13.74% | 11.44% | 26.47% | |
. FDIC Call Reports.
Last eight quarters
Two years at Arrow Bank, to : assets +26.9%, deposits +17.9%, equity +44.5%. Staff 505 to 628; offices 27 to 38.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.5 bn | $4.3 bn | $4.4 bn | $4.4 bn | $4.6 bn | $4.4 bn | $4.5 bn | $4.5 bn |
| Total deposits | $3.1 bn | $3.8 bn | $4.0 bn | $3.9 bn | $4.1 bn | $3.9 bn | $4.0 bn | $3.7 bn |
| Bank equity capital | $292.8 mn | $400.6 mn | $404.5 mn | $408.4 mn | $415.6 mn | $429.4 mn | $437.5 mn | $423.2 mn |
| CET1 ratio | 12.97% | 12.86% | 12.75% | 12.88% | 13.16% | 13.14% | 13.41% | 12.71% |
| Return on equity (ROE) | 8.78% | 7.81% | 6.34% | 8.61% | 9.87% | 10.74% | 12.53% | 11.47% |
| Uninsured share of domestic deposits | 28.29% | 22.50% | 22.86% | 22.68% | 22.68% | 23.29% | 27.39% | 30.32% |
| Full-time equivalent employees | 505 | 554 | 558 | 571 | 567 | 578 | 602 | 628 |
| Number of offices | 27 | 38 | 38 | 38 | 38 | 38 | 38 | 38 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Arrow Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Saratoga National Bank and Trust (FDIC certificate 27290).
- . Absorbed Adirondack Bank (FDIC certificate 28380).
Questions and identifiers
What were the total assets of Arrow Bank?
Arrow Bank reported $4.5 bn at in its Call Report. That makes Arrow Bank the 307th largest of 497 banks in our US coverage.
Is Arrow Bank the same as its holding company?
No. This page covers Arrow Bank, FDIC certificate 7074; ARROW FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Arrow Bank profitable?
Arrow Bank reported net income of $24.7 mn for the year to ; annualized return on equity: 11.47%. So yes: Arrow Bank made a profit over these months.
When is data for Arrow Bank next updated?
Figures from Arrow Bank for are due after .
Where can I check the figures for Arrow Bank?
In the FDIC BankFind Suite record for certificate 7074, and in the Call Reports of Arrow Bank (RSSD ID 866000) at the FFIEC Central Data Repository.