• Arrow Financial 2Q26 net income fell to $11 million, or $0.66 a share, from $13.5 million, or $0.82, in 1Q26.
• Provision for credit losses climbed to $2.8 million from $0.5 million, including a $1.6 million specific reserve tied to a bankrupt commercial borrower.
• Net interest income edged down 0.6% to $35.9 million; net interest margin narrowed 0.06 percentage point to 3.42%.
• Deposits dropped to $3.7 billion from $4.06 billion, driven by $300 million of brokered CDs replaced with lower-cost FHLB borrowings.
• Completed the July 1 acquisition of Adirondack Bank, adding about $1 billion in assets and 19 branches; declared a $0.30 dividend payable Aug. 25.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Arrow Financial Corporation published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0000717538-26-000110), on July 23, 2026, and is solely responsible for the information contained therein.