8-K current report · filed Apr 30, 2026

ARROW FINANCIAL CORP (AROW) 8-K Current Report: April 30, 2026

Item 2.02Item 7.01Item 8.01Item EX-99.1AROW overview

Short answer

ARROW FINANCIAL CORP (AROW) filed an 8-K current report with the SEC on April 30, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item 7.01 (Regulation FD Disclosure), Item 8.01 (Other Events), Item EX-99.1 (Exhibit EX-99.1). Press release covers unaudited results for quarter ended March 31, 2026.

ARROW FINANCIAL CORP 8-K event analysis

AI summary of each reported item and its exhibits

Item 2.02 · Results of Operations and Financial Condition

  • Press release covers unaudited results for quarter ended March 31, 2026
  • Exhibit 99.1 contains financial figures and management discussion for investor review
  • Results announcement dated April 30, 2026

Item 7.01 · Regulation FD Disclosure

  • First Quarter 2026 Investor Presentation released April 30, 2026, covering results and trends through March 31, 2026
  • Presentation supplements the March 31, 2026 quarterly earnings release and provides additional investor context
  • Exhibit 99.2 furnished under Regulation FD, not filed under Section 18 liability standards

Item 8.01 · Other Events

  • Quarterly cash dividend of $0.30 per share declared
  • Payable May 26, 2026 to shareholders of record May 12, 2026
  • Dividend declaration signals continued shareholder distributions from Arrow Financial

Item EX-99.1 · Exhibit EX-99.1

  • Q1 net income $13.5M and diluted EPS $0.82, down from $14.0M and $0.85 in Q4 2025
  • Core EPS reached $0.85 excluding $790K of Adirondack merger expenses, indicating underlying earnings resilience
  • Net interest margin expanded to 3.47% from 3.24%, while retail deposit costs fell 11 basis points to 1.62%
  • Adirondack acquisition expected early Q3 2026, adding approximately $950M assets and 19 branches
  • Quarterly dividend increased to $0.30 per share, payable May 26, 2026 to shareholders of record May 12, 2026

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