Arrow Bank National Association
Glens Falls, NY · Cert 7074 · Peer group: banks $1B-$10B in assets (n=322-328) · Arrow Financial Corp.
National charter · OCC · 38 branches
Q2 2026
$4.5BAssets
$3.5BLoans
$3.7BDeposits
$423.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 75% of banks $1B-$10B in assets (rank 81 of 322).
- Widest gap: net charge-offs / loans trails 73% of banks $1B-$10B in assets (rank 236 of 322).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.11%
Rank 200 of 328
Net Interest Margin
3.30%
Rank 197 of 328
Efficiency Ratio
60.66%
Rank 180 of 328
Equity / Assets
9.50%
Rank 219 of 328
Non-interest income vs. expense
Unfavorable gap of $74.8M · efficiency ratio beats 45% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.91% | 1.22% | 1.52% | Beats 39% | 200 / 328 | |
| Return on Equity | 11.66% | 8.43% | 11.45% | 14.43% | Beats 52% | 158 / 328 | |
| Net Interest Margin | 3.30% | 3.03% | 3.45% | 3.83% | Beats 40% | 197 / 328 | |
| Efficiency Ratio | 60.66% | 51.61% | 59.56% | 67.53% | Beats 45% | 180 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.24% | 0.51% | 1.03% | Beats 75% | 81 / 322 | |
| Net Charge-Offs / Loans | 0.10% | 0.01% | 0.03% | 0.10% | Beats 27% | 236 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 12.71% | 11.75% | 13.15% | 15.47% | Beats 44% | 185 / 328 | |
| Total Risk-Based Capital Ratio | 13.87% | 12.63% | 14.15% | 16.46% | Beats 47% | 175 / 328 | |
| Equity / Assets | 9.50% | 9.15% | 10.33% | 12.01% | Beats 33% | 219 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 95.12% | 76.63% | 87.92% | 95.36% | 73rd pctl | 86 / 323 | |
| Loans / Assets | 78.45% | 65.18% | 74.15% | 79.98% | 69th pctl | 103 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |