<p>Arrow Financial Corporation reported net income of USD 14.0 million, or USD 0.85 per share, for the fourth quarter (Q4) of 2025. For the full year (FY) ended December 31, 2025, net income totaled USD 44.0 million, or USD 2.65 per share. The company’s Board of Directors declared a first quarter (Q1) dividend of USD 0.30 per share, representing a 3.4% increase. Arrow Financial Corporation achieved a record net interest income of USD 35.1 million in Q4 2025, with a net interest margin of 3.24%. Tangible book value per share was USD 24.71 at the end of Q4 2025, up 3.6% from the prior quarter. The return on average assets for the fourth quarter was 1.24%. At December 31, 2025, Arrow Financial Corporation’s Common Equity Tier 1 Capital Ratio was 13.10% and its Total Risk-Based Capital Ratio was 14.86%. 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: 0000717538-26-000007), on January 29, 2026, and is solely responsible for the information contained therein. © Copyright 2026 - Public Technologies (PUBT) Original Document: here</p>

Arrow Financial Q4 net income jumps triple to USD 14.0 million, FY net income at USD 44.0 million