Arrow Financial Corporation ( (AROW) ) has released its Q2 earnings. Here is a breakdown of the information Arrow Financial Corporation presented to its investors.
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Arrow Financial Corporation, headquartered in Glens Falls, New York, operates as a holding company with subsidiaries in banking and insurance services, primarily serving the financial needs of northeastern New York.
Arrow Financial Corporation reported a strong second quarter for 2025, with net income reaching $10.8 million, or $0.65 per share, marking a significant increase from the previous quarter. The company also declared a third-quarter dividend of $0.29 per share, reflecting a 3.6% increase.
Key financial highlights include a record net interest income of $32.5 million and an improved net interest margin of 3.15%. The company’s return on average assets increased to 1.00%, and the loan-to-deposit ratio was reported at 87.2%. Arrow also successfully completed a major unification of its banking subsidiaries, enhancing operational efficiencies and customer experience.
Looking forward, Arrow Financial Corporation remains focused on advancing its strategic priorities and delivering value to its shareholders and communities. The company is well-positioned to continue its growth trajectory, supported by a robust financial foundation and a strong brand presence.

