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Regulatory Matters | 12 Months Ended
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Dec. 31, 2017
Banking and Thrift [Abstract] |
Regulatory Matters | REGULATORY MATTERS (Dollars in Thousands) In the normal course of business, Arrow and its subsidiaries operate under certain regulatory restrictions, such as the extent and structure of covered inter-company borrowings and maintenance of reserve requirement balances. The principal source of the funds for the payment of stockholder dividends by Arrow has been from dividends declared and paid to Arrow by its bank subsidiaries. As of December 31, 2017, the maximum amount that could have been paid by subsidiary banks to Arrow, without prior regulatory approval, was approximately $44.1 million. Under current Federal Reserve regulations, Arrow is prohibited from borrowing from the subsidiary banks unless such borrowings are secured by specific obligations. Additionally, the maximum of any such borrowings from any one subsidiary bank(aggregated with all other "covered transactions between the bank and Arrow) is limited to 10% of that bank’s capital and surplus. Loans and other covered transactions between any one subsidiary bank and all of its affiliates cannot exceed 20% of that bank's capital and surplus. Arrow and its subsidiary banks are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory--and possibly additional discretionary--actions by regulators that, if undertaken, could have a direct material effect on an institution’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, Arrow and its subsidiary banks must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require Arrow and its subsidiary banks to maintain minimum capital amounts and ratios (set forth in the table below) of total and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined). Management believes, as of December 31, 2017 and 2016, that Arrow and both subsidiary banks meet all capital adequacy requirements to which they are subject. As of December 31, 2017, Arrow and both subsidiary banks qualified as well-capitalized under the regulatory framework for prompt corrective action. To be categorized as “well-capitalized,” Arrow and its subsidiary banks must maintain minimum total risk-based, Tier I risk-based, Tier I leverage, and CET1 risk-based ratios as set forth in the table below. There are no conditions or events that management believes have changed Arrow’s or its subsidiary banks’ categories. The actual capital amounts and ratios for Arrow and its subsidiary banks, Glens Falls National Bank and Trust Company (“Glens Falls National”) and Saratoga National Bank and Trust Company (“Saratoga National”), are presented in the table below as of December 31, 2017 and 2016:
| Actual |  | Minimum Amounts For Capital Adequacy Purposes |  | Minimum Amounts To Be Well-Capitalized
| Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
As of December 31, 2017 |  |  |  |  |  |  |  |  |  |  |
Total Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |
Arrow | $ | 278,163 |  |  | 15.0 | % |  | $ | 172,461 |  |  | 9.3 | % |  | $ | 185,442 |  |  | 10.0 | %
Glens Falls National | 220,275 |  |  | 14.6 | % |  | 140,312 |  |  | 9.3 | % |  | 150,873 |  |  | 10.0 | %
Saratoga National | 48,822 |  |  | 14.0 | % |  | 32,432 |  |  | 9.3 | % |  | 34,873 |  |  | 10.0 | %
Tier I Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |
Arrow | 259,378 |  |  | 14.0 | % |  | 135,247 |  |  | 7.3 | % |  | 148,216 |  |  | 8.0 | %
Glens Falls National | 205,200 |  |  | 13.6 | % |  | 110,144 |  |  | 7.3 | % |  | 120,706 |  |  | 8.0 | %
Saratoga National | 45,311 |  |  | 13.0 | % |  | 25,444 |  |  | 7.3 | % |  | 27,884 |  |  | 8.0 | %
Tier I Capital (to Average Assets): |  |  |  |  |  |  |  |  |  |  |
Arrow | 259,378 |  |  | 9.5 | % |  | 109,212 |  |  | 4.0 | % |  | 136,515 |  |  | 5.0 | %
Glens Falls National | 205,200 |  |  | 9.1 | % |  | 90,198 |  |  | 4.0 | % |  | 112,747 |  |  | 5.0 | %
Saratoga National | 45,311 |  |  | 9.4 | % |  | 19,281 |  |  | 4.0 | % |  | 24,102 |  |  | 5.0 | %
Common Equity Tier 1 Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |
Arrow | 239,326 |  |  | 12.9 | % |  | 107,604 |  |  | 5.8 | % |  | 120,591 |  |  | 6.5 | %
Glens Falls National | 205,148 |  |  | 13.6 | % |  | 87,490 |  |  | 5.8 | % |  | 98,049 |  |  | 6.5 | %
Saratoga National | 45,311 |  |  | 13.0 | % |  | 20,216 |  |  | 5.8 | % |  | 22,656 |  |  | 6.5 | %
As of December 31, 2016 |  |  |  |  |  |  |  |  |  |  |
Total Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |
Arrow | 258,653 |  |  | 15.2 | % |  | 146,343 |  |  | 8.6 | % |  | 170,166 |  |  | 10.0 | %
Glens Falls National | 205,573 |  |  | 15.0 | % |  | 117,862 |  |  | 8.6 | % |  | 137,049 |  |  | 10.0 | %
Saratoga National | 42,168 |  |  | 12.8 | % |  | 28,332 |  |  | 8.6 | % |  | 32,944 |  |  | 10.0 | %
Tier I Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |
Arrow | 241,523 |  |  | 14.1 | % |  | 113,053 |  |  | 6.6 | % |  | 137,034 |  |  | 8.0 | %
Glens Falls National | 191,679 |  |  | 14.0 | % |  | 90,363 |  |  | 6.6 | % |  | 109,531 |  |  | 8.0 | %
Saratoga National | 39,050 |  |  | 11.9 | % |  | 21,658 |  |  | 6.6 | % |  | 26,252 |  |  | 8.0 | %
Tier I Capital (to Average Assets): |  |  |  |  |  |  |  |  |  |  |
Arrow | 241,523 |  |  | 9.5 | % |  | 101,694 |  |  | 4.0 | % |  | 127,117 |  |  | 5.0 | %
Glens Falls National | 191,679 |  |  | 9.1 | % |  | 84,255 |  |  | 4.0 | % |  | 105,318 |  |  | 5.0 | %
Saratoga National | 39,050 |  |  | 8.9 | % |  | 17,551 |  |  | 4.0 | % |  | 21,938 |  |  | 5.0 | %
Common Equity Tier 1 Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |
Arrow | 221,472 |  |  | 13.0 | % |  | 86,885 |  |  | 5.1 | % |  | 110,736 |  |  | 6.5 | %
Glens Falls National | 191,628 |  |  | 13.9 | % |  | 70,310 |  |  | 5.1 | % |  | 89,610 |  |  | 6.5 | %
Saratoga National | 39,050 |  |  | 11.9 | % |  | 16,736 |  |  | 5.1 | % |  | 21,330 |  |  | 6.5 | %

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- Definition The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1G -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958577-112826 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1C -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958572-112826 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1E -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958574-112826 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1H -URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1A -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958569-112826 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1B -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826 Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1F -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958575-112826 Reference 8: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826 Reference 9: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1D -URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958573-112826 + Details
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