Arrow Financial is a community bank holding company based in Glens Falls, NY, operating primarily through Arrow Bank, a full-service bank with roughly $4.4B in total assets and 38 branches across upstate New York. Arrow serves consumers and small- to mid-sized businesses through commercial lending (commercial & industrial and commercial real estate loans), residential and consumer lending, and an indirect auto lending program that sources loans through dealer networks across New York and Vermont — extending Arrow's reach beyond its branch footprint. Arrow also offers wealth management and trust services, including retirement planning, trust and estate administration, and pension and employee benefit plan administration. Arrow additionally owns an insurance agency with 9 offices and a registered investment adviser. Arrow's business model follows the traditional community bank playbook: taking in deposits from local customers and lending those funds out at higher rates, with the net interest margin as the primary profitability driver. Loan volume and mix, interest rates, and credit quality are the key earnings drivers. Arrow supplements net interest income with fee income from trust and wealth management, mortgage servicing, and insurance. Arrow positions itself on local decision-making and long-standing customer relationships rather than price or product breadth.