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Arrow Bank National Association
Glens Falls, NY · FDIC Certificate #7074 · Chartered 01/0
Total assets
$4.46B
Total deposits
$3.68B
Total equity
$423.25M
Net loans
$3.46B
Branches (offices)
38
Net income (YTD)
$24.66M
Rank: #310 of 4,213 U.S. banks by assets · #26 of 115 in New York. Assets changed 1.2% and deposits -6.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.11% |
| Return on equity | 11.47% |
| Net interest margin (YTD) | 3.45% |
| Equity to assets | 9.50% |
| Tier 1 leverage ratio | 9.33% |
| Uninsured deposits (share of deposits) | 30.3% |
| Noncurrent loans (share of loans) | 0.24% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 94.1% |
| Real estate loans (share of loans) | 64.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.24B | 64.7% | |
| Commercial & industrial | $140.76M | 4.1% | |
| Consumer / individual | $1.08B | 31.3% | |
| Construction & development | $71.59M | 2.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.13B | $2.80B | $18.64M | $277.82M |
| Jun 2023 | $3.18B | $2.75B | $13.58M | $277.69M |
| Jun 2024 | $3.33B | $2.94B | $12.31M | $286.92M |
| Jun 2025 | $4.41B | $3.93B | $17.41M | $408.48M |
| Jun 2026 | $4.46B | $3.68B | $24.66M | $423.25M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $3.68B | 38 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.68B.
Similar-sized banks
Metro City Bank ($4.47B) · Choiceone Bank ($4.45B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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