Arrow Bank National Assn (FDIC #7074): Bank Stress & Real-Estate Credit Exposure
Arrow Bank National Assn (FDIC Cert #7074): bank stress 70/100, elevated, STABLE over 7 days; parent ARROW FINANCIAL CORP (AROW).
Arrow Bank National Assn (#7074) lends in 8 counties across 1 state; Arrow Bank National Assn (#7074) reaches 210 ZIP codes: New York 8 counties, 210 ZIPs.
Arrow Bank National Assn (#7074) largest markets: Albany County, NY (94 branches, 47 ZIPs) (#7074), Essex County, NY (144 branches, 36 ZIPs) (#7074), Rensselaer County, NY (31 branches, 31 ZIPs) (#7074), Washington County, NY (252 branches, 28 ZIPs) (#7074), Saratoga County, NY (216 branches, 27 ZIPs) (#7074), Warren County, NY (243 branches, 27 ZIPs) (#7074).
Arrow Bank National Assn (#7074) reports $4.46 billion in total assets; Arrow Bank National Assn (#7074) equity $423.2 million (9.5% of Arrow Bank National Assn (#7074) assets); Arrow Bank National Assn (#7074) domestic deposits $3.68 billion; Arrow Bank National Assn (#7074) net income $24.7 million; Arrow Bank National Assn (#7074) return on assets 1.11%; Arrow Bank National Assn (#7074) return on equity 11.47%; Arrow Bank National Assn (#7074) net interest income $72.4 million; Arrow Bank National Assn (#7074) call report June 30, 2026.
Arrow Bank National Assn (#7074) noncurrent real-estate loans: none reported; Arrow Bank National Assn (#7074) net charge-offs on real estate 0.31%; Arrow Bank National Assn (#7074) residential charge-offs 0.62%.
Arrow Bank National Assn (#7074) net interest margin 3.45% against an eight-quarter Arrow Bank National Assn (#7074) average of 3.10% (Arrow Bank National Assn (#7074) compression -0.35 points); Arrow Bank National Assn (#7074) real-estate loans 0.4% of equity; Arrow Bank National Assn (#7074) non-residential real estate 61.9% of equity; Arrow Bank National Assn (#7074) rate-exposure score 40/100, Arrow Bank National Assn (#7074) fixed-rate trap 40/100; Arrow Bank National Assn (#7074) risk type credit driven; Arrow Bank National Assn (#7074) rate regime rates elevated; Arrow Bank National Assn (#7074) shares 12.6% below the 52-week high, Arrow Bank National Assn (#7074) equity trend weakening, Arrow Bank National Assn (#7074) snapshot October 20, 2026.
Arrow Bank National Assn (#7074) stress score moved from 65.7 on June 22, 2026 to 70.2 on October 20, 2026; Arrow Bank National Assn (#7074) ranged 65.7 to 70.2 over 117 snapshots.
Arrow Bank National Assn (#7074) alerts: 8 counties; top Arrow Bank National Assn (#7074) alert scores: Schenectady County, NY 49 (moderate); Latham County, NY 25 (low); Plattsburgh County, NY 25 (low); South Glens Falls County, NY 25 (low); Ticonderoga County, NY 25 (low).