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AI brief of an SEC Form 8-K · ARROW FINANCIAL CORP (AROW)

Arrow Financial Q2 net income falls to $11.0 million, or $0.66 per share

Negative Impact 3 of 5 earnings Written later

Arrow Financial reported second-quarter 2026 net income of $11.0 million, or $0.66 per share, down from $13.5 million, or $0.82 per share, in the first quarter. The decline reflected a $1.6 million specific reserve on a commercial loan whose borrower entered bankruptcy, along with $1.0 million of merger-related expenses tied to the Adirondack Bancorp acquisition, which closed July 1, 2026. The board also declared a $0.30 quarterly dividend.

Key points

  • Net income was $11.0 million, or $0.66 per share, versus $13.5 million, or $0.82 per share, in the first quarter of 2026.
  • Excluding merger-related expenses, EPS was $0.71 for the second quarter.
  • A $1.6 million specific reserve ($0.08 per share) was recorded for a commercial real estate credit tied to a June 2026 bankruptcy.
  • The quarterly cash dividend is $0.30 per share, payable August 25, 2026, to shareholders of record on August 11, 2026.

The filing

CompanyARROW FINANCIAL CORP (AROW)
Form8-K, current report
Filed with the SECJul 23, 2026, 7:29 AM ET
Accession number0000717538-26-000110

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure8.01 Other Events

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 8:51 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 23, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.