---
title: "Arrow 10-K: $210.15M Interest & Dividend Income, EPS $2.65"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/278149067.md"
description: "Arrow Financial Corp reported a strong performance for 2025, with interest and dividend income of $210.15 million and diluted earnings per share of $2.65. Net income increased to $43.95 million, up from $29.71 million the previous year, driven by a 19.2% rise in net interest income. The efficiency ratio improved to 61.97%, and noninterest income grew by approximately 15%. The loan portfolio expanded by 1.7% to $3.45 billion, with significant growth in residential and consumer lending."
datetime: "2026-03-06T18:05:01.000Z"
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  - [en](https://longbridge.com/en/news/278149067.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/278149067.md)
---

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# Arrow 10-K: $210.15M Interest & Dividend Income, EPS $2.65

Arrow reported stronger 2025 results driven by higher loan yields and lower funding costs, with interest and dividend income of $210.147 million and diluted earnings of $2.65 per share. Net income rose to $43.953 million from $29.709 million a year earlier, reflecting a $21.432 million (19.2%) increase in net interest income to $133.164 million. The company also posted an improved efficiency ratio and growth in noninterest income supporting overall profitability gains.

**Financial Highlights**

-   **Interest and Dividend Income**: $210.147 million (7.8% increase vs prior year)
-   **Net Interest Income**: $133.164 million, up $21.432 million (19.2%); NIM 3.17% (FTE 3.19%)
-   **Net Income**: $43.953 million (up from $29.709 million)
-   **Diluted Earnings per Share**: $2.65 (vs $1.77 prior year)
-   **Noninterest Expense (Operating Expense)**: $102.934 million, up 5.8%
-   **Efficiency Ratio**: 61.97%, improved from 67.68%

**Business Highlights**

-   **Revenue Growth & Margin Expansion**: Net interest income increased 19% driven by higher loan yields and reduced funding costs, supporting margin expansion and stronger core earnings.
-   **Loan Portfolio Mix & Growth**: Loans grew 1.7% to $3.45 billion with notable originations in residential and consumer (auto) lending; commercial real estate and commercial lending remain diversified.
-   **Channel & Product Momentum**: Growth in wealth management, insurance, and interchange revenue contributed to a roughly 15% rise in noninterest income.
-   **Operational Efficiency & Technology**: Improved efficiency ratio reflects operating leverage; continued investments in technology and infrastructure supported a planned system conversion in July 2025.
-   **Asset Quality & Credit Controls**: Nonperforming assets declined materially; CECL provisioning and enhanced stress testing informed allowance and liquidity planning.

Original SEC Filing: ARROW FINANCIAL CORP \[ AROW \] - 10-K - Mar. 06, 2026

**Disclaimer**

This is an AI-powered summary. It may contain inaccuracies. Consider verifying important information with the source. Please note this summary is solely based on documents filed with the SEC.

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