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Arrow Financial (AROW) Annual Income Statement

Annual · GAAP · USD millions
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Income statement data covering Arrow Financial–Dec 31 2021 offers a view into how Dec 31 2025's operating results have moved alongside business activity.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
2025 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases184.07
Interest and Dividend Income, Securities, Operating2.03
Interest Income, Domestic Deposits8.09
Other Income-117.20
Total Interest Income76.98
Interest Expense, Deposits38.11
Interest Expense, Federal Funds Purchased and Securities Sold under Agreements to Repurchase0.00
Interest Expense, Junior Subordinated Debentures0.69
Interest Expense, Debt0.17
Net Interest (-)Expense / Income-76.98
Net Interest Income0.00
Provision for loan losses-125.89
Total Net Interest Income125.89
Insurance Commissions and Fees7.67
Revenue From Contract With Customer Excluding Assessed Tax10.30
Other Non-Interest Income-36.33
Total Non-interest Income32.43
Total Revenues158.32
Costs & Expenses
Salaries & employee benefits, SGA56.29
Occupancy, Net7.76
Federal Deposit Insurance Corporation Premium Expense2.52
Other Noninterest Expense15.58
Other loss /-income20.79
Total Operating Expenses102.93
Total Costs & Expenses179.92
Income & Taxes
Income /-loss before income taxes110.78
Income taxes expenses/-benefit11.44
Income after income taxes99.34
Income /-loss after income taxes99.34
Net Income/-loss99.34
Other55.39
Income/-loss to shareholder43.95
Earnings Per Share
Basic EPS (excl. extra items)2.65
Basic Net EPS2.65
Basic shares outstanding (Mill. of Units)16.50
Diluted Net EPS2.65
Diluted average shares (Mill. of Units)16.51
Dividend per share1.14
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About Arrow Financial Corp Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

  • Source: SEC 10-K filings
  • Filed with the SEC: March 6, 2026
  • Original filing: arow-20251231.htm

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.