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Arrow Bank National Association
Glens Falls, NY·FDIC Cert #7074·Charter: OCC·Est. 18510101.0·HC: ARROW FINANCIAL CORP
Total Assets
$4.4B
Q4 2025
Return on Assets
1.00%
+0.09%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
61.82%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.00%+0.09
ROE
10.74%+0.87
Efficiency
61.82%-1.05
Equity/Assets
0.00%+0.00
NPL Ratio
0.25%+0.06
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
86.77%+3.66
Charge-offs
0.19%-0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.7 | 0.7 | 0.7 | 0.6 | 0.8 | 0.9 | 1.0 |
| ROE | 8.3 | 8.6 | 8.8 | 7.8 | 6.3 | 8.6 | 9.9 | 10.7 |
| Efficiency | 74.3 | 73.1 | 71.9 | 68.1 | 66.5 | 64.9 | 62.9 | 61.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.8 | 0.9 | 0.6 | 0.6 | 0.2 | 0.2 | 0.2 |
| Charge-offs | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.3 | 0.2 | 0.2 |
| Loan/Deposit | 77.4 | 80.3 | 75.2 | 87.8 | 85.2 | 86.3 | 83.1 | 86.8 |
Balance Sheet
Total Assets$4.4B
Total Deposits$3.9B
Total Loans$3.4B
Total Equity$429.4M
Profitability
ROA1.00%
ROE10.74%
Efficiency Ratio61.82%
Net Income$44.2M
Risk & Asset Quality
NPL Ratio0.25%
Charge-off Rate0.19%
Loan/Deposit86.77%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans