    <SEC-DOCUMENT>0000717538-23-000193-index.html : 20230913
    <SEC-HEADER>0000717538-23-000193.hdr.sgml : 20230913
    <ACCEPTANCE-DATETIME>20230913165228
    ACCESSION NUMBER:		0000717538-23-000193
    CONFORMED SUBMISSION TYPE:	ARS
    PUBLIC DOCUMENT COUNT:		1
    CONFORMED PERIOD OF REPORT:	20221231
    FILED AS OF DATE:		20230913
    DATE AS OF CHANGE:		20230913
    EFFECTIVENESS DATE:		20230913

    FILER:

    	COMPANY DATA:
    		COMPANY CONFORMED NAME:			ARROW FINANCIAL CORP
    		CENTRAL INDEX KEY:			0000717538
    		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
    		IRS NUMBER:				222448962
    		STATE OF INCORPORATION:			NY
    		FISCAL YEAR END:			1231

    	FILING VALUES:
    		FORM TYPE:		ARS
    		SEC ACT:		1934 Act
    		SEC FILE NUMBER:	000-12507
    		FILM NUMBER:		231253255

    	BUSINESS ADDRESS:
    		STREET 1:		250 GLEN ST
    		CITY:			GLENS FALLS
    		STATE:			NY
    		ZIP:			12801
    		BUSINESS PHONE:		5184154299

    	MAIL ADDRESS:
    		STREET 1:		250 GLEN STREET
    		CITY:			GLENS FALLS
    		STATE:			NY
    		ZIP:			12801

    	FORMER COMPANY:
    		FORMER CONFORMED NAME:	ARROW BANK CORP
    		DATE OF NAME CHANGE:	19900710
    </SEC-HEADER>
    <DOCUMENT>
    <TYPE>ARS
    <SEQUENCE>1
    <FILENAME>ars2022.pdf
    <DESCRIPTION>ARS
    <TEXT>
    Document 1 - file: ars2022.pdf

    </DOCUMENT>
    </SEC-DOCUMENT>