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Regulatory Matters | 12 Months Ended
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Dec. 31, 2024
Equity [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 Arrow Bank. As of December 31, 2024, the maximum amount that could have been paid by to Arrow by GFNB and SNB, prior to the Unification, without prior regulatory approval, was approximately $44.4 million. Under current Federal Reserve regulations, Arrow is prohibited from borrowing from Arrow Bank unless such borrowings are secured by specific obligations. Additionally, the maximum of any such borrowings from Arrow Bank (aggregated with all other "covered transactions" between Arrow Bank and Arrow) is limited to 10% of that bank’s capital and surplus. Loans and other covered transactions between Arrow Bank and all of its affiliates cannot exceed 20% of that bank's capital and surplus. Arrow and Arrow Bank 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 Arrow Bank 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. Current quantitative measures established by regulation to ensure capital adequacy require Arrow and Arrow Bank 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, 2024 and 2023, that Arrow Bank meet all capital adequacy requirements to which it is subject. The regulatory capital requirements incorporate a capital concept, the so-called "capital conservation buffer" (set at 2.5%), which must be added to each of the minimum required risk-based capital ratios (i.e., the minimum CET1 ratio, the minimum Tier 1 risk-based capital ratio and the minimum total risk-based capital ratio). As of December 31, 2024, Arrow Bank qualified as well-capitalized under the regulatory framework for prompt corrective action. To be categorized as “well-capitalized,” Arrow Bank 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 Arrow Bank's categories. The actual capital amounts and ratios for Arrow and Arrow Bank are presented in the table below as of December 31, 2024 and 2023:
| Actual |  | Minimum Amounts For Capital Adequacy Purposes (including "capital conservation buffer") |  | Minimum Amounts To Be Well-Capitalized
| Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
As of December 31, 2024 |  |  |  |  |  |  |  |  |  |  |
Total Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |
Arrow | $ | 452,506 |  |  | 14.5 | % |  | $ | 328,268 |  |  | 10.5 | % |  | $ | 312,636 |  |  | 10.0 | %
Arrow Bank National Association | 435,628 |  |  | 14.0 | % |  | 327,050 |  |  | 10.5 | % |  | 311,476 |  |  | 10.0 | %
Tier I Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |
Arrow | 417,338 |  |  | 13.4 | % |  | 265,741 |  |  | 8.5 | % |  | 250,109 |  |  | 8.0 | %
Arrow Bank National Association | 400,460 |  |  | 12.9 | % |  | 264,755 |  |  | 8.5 | % |  | 249,181 |  |  | 8.0 | %
| Actual |  | Minimum Amounts For Capital Adequacy Purposes (including "capital conservation buffer") |  | Minimum Amounts To Be Well-Capitalized
| Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
Tier I Capital (to Average Assets): |  |  |  |  |  |  |  |  |  |  |
Arrow | 417,338 |  |  | 9.6 | % |  | 173,952 |  |  | 4.0 | % |  | 217,440 |  |  | 5.0 | %
Arrow Bank National Association | 400,460 |  |  | 9.2 | % |  | 173,656 |  |  | 4.0 | % |  | 217,070 |  |  | 5.0 | %
Common Equity Tier 1 Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |
Arrow | 397,285 |  |  | 12.7 | % |  | 218,845 |  |  | 7.0 | % |  | 203,214 |  |  | 6.5 | %
Arrow Bank National Association | 400,407 |  |  | 12.9 | % |  | 218,033 |  |  | 7.0 | % |  | 202,459 |  |  | 6.5 | %
As of December 31, 2023 |  |  |  |  |  |  |  |  |  |  |
Total Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |
Arrow | $ | 447,091 |  |  | 14.7 | % |  | $ | 319,351 |  |  | 10.5 | % |  | $ | 304,144 |  |  | 10.0 | %
Glens Falls National | 320,449 |  |  | 14.3 | % |  | 235,295 |  |  | 10.5 | % |  | 224,090 |  |  | 10.0 | %
Saratoga National | 110,510 |  |  | 13.7 | % |  | 84,697 |  |  | 10.5 | % |  | 80,664 |  |  | 10.0 | %
Tier I Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |
Arrow | 414,221 |  |  | 13.7 | % |  | 256,998 |  |  | 8.5 | % |  | 241,881 |  |  | 8.0 | %
Glens Falls National | 297,667 |  |  | 13.2 | % |  | 191,680 |  |  | 8.5 | % |  | 180,404 |  |  | 8.0 | %
Saratoga National | 100,449 |  |  | 12.5 | % |  | 68,305 |  |  | 8.5 | % |  | 64,287 |  |  | 8.0 | %
Tier I Capital (to Average Assets): |  |  |  |  |  |  |  |  |  |  |
Arrow | 414,221 |  |  | 9.8 | % |  | 169,070 |  |  | 4.0 | % |  | 211,337 |  |  | 5.0 | %
Glens Falls National | 297,667 |  |  | 9.2 | % |  | 129,420 |  |  | 4.0 | % |  | 161,776 |  |  | 5.0 | %
Saratoga National | 100,449 |  |  | 9.6 | % |  | 41,854 |  |  | 4.0 | % |  | 52,317 |  |  | 5.0 | %
Common Equity Tier 1 Capital (to Risk Weighted Assets): |  |  |  |  |  |  |  |  |  |  |
Arrow | 394,166 |  |  | 13.0 | % |  | 212,243 |  |  | 7.0 | % |  | 197,083 |  |  | 6.5 | %
Glens Falls National | 297,612 |  |  | 13.2 | % |  | 157,825 |  |  | 7.0 | % |  | 146,551 |  |  | 6.5 | %
Saratoga National | 100,449 |  |  | 12.5 | % |  | 56,251 |  |  | 7.0 | % |  | 52,233 |  |  | 6.5 | %

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- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1D -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1D Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1A -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1A Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1F -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1F + Details
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