v3.26.1
Loans (Tables)
 6 Months Ended
Jun. 30, 2026
Receivables [Abstract]  
Past Due Financing Receivables
The following two tables present loan balances outstanding as of June 30, 2026 and December 31, 2025 and an analysis of the recorded investment in loans that are past due at these dates. Generally, Arrow considers a loan past due 30 or more days when the borrower is two payments past due when monthly payments are required. Loans held-for-sale of $777 thousand and $3.4 million as of June 30, 2026 and December 31, 2025, respectively, are included in the residential real estate balances for current loans.

Schedule of Past Due Loans by Loan Category
Commercial
CommercialReal EstateConsumerResidentialTotal
June 30, 2026
Loans past due 30-59 days$239 $— $11,015 $449 $11,703 
Loans past due 60-89 days189 6,793 4,914 3,672 15,568 
Loans past due 90 or more days— — 1,216 2,561 3,777 
Total loans past due428 6,793 17,145 6,682 31,048 
Current loans172,629 830,668 1,066,024 1,396,172 3,465,493 
Total Loans$173,057 $837,461 $1,083,169 $1,402,854 $3,496,541 
December 31, 2025
Loans past due 30-59 days$584 $— $13,476 $808 $14,868 
Loans past due 60-89 days255 2,888 7,495 3,503 14,141 
Loans past due 90 or more days195 — 1,886 3,517 5,598 
Total loans past due1,034 2,888 22,857 7,828 34,607 
Current loans164,695 815,371 1,053,150 1,385,270 3,418,486 
Total loans$165,729 $818,259 $1,076,007 $1,393,098 $3,453,093 

Schedule of Nonaccrual Loans by Category
Commercial
June 30, 2026CommercialReal EstateConsumerResidentialTotal
Loans 90 or more days past due
  and still accruing interest		$— $— $32 $1,455 $1,487 
Nonaccrual loans— 3,838 1,263 1,713 6,814 
Nonaccrual with no allowance for credit loss— — — 1,010 1,010 
December 31, 2025
Loans 90 or more days past due
  and still accruing interest		$27 $— $31 $1,982 $2,040 
Nonaccrual loans168 — 1,879 4,368 6,415 
Nonaccrual with no allowance for credit loss168 — 1,879 4,368 6,415 
Allowance for Credit Losses on Financing Receivables
The following table details activity in the allowance for credit losses on loans for the three and six months ended June 30, 2026 and June 30, 2025:

Allowance for Credit Losses
CommercialCommercial Real EstateConsumerResidentialTotal
March 31, 2026$2,455 $14,557 $4,510 $12,533 $34,055 
Charge-offs(88)— (1,650)(32)(1,770)
Recoveries— — 1,071 — 1,071 
Provision37 2,313 615 (138)2,827 
June 30, 2026$2,404 $16,870 $4,546 $12,363 $36,183 
December 31, 2025$2,954 $15,260 $4,090 $12,018 $34,322 
Charge-offs(88)— (3,210)(46)(3,344)
Recoveries— — 1,830 — 1,830 
Provision(462)1,610 1,836 391 3,375 
June 30, 2026$2,404 $16,870 $4,546 $12,363 $36,183 
March 31, 2025$1,801 $18,236 $4,147 $13,587 $37,771 
Charge-offs— (3,818)(1,225)(20)(5,063)
Recoveries— 75 814 — 889 
Provision974 1,519 657 (2,556)594 
June 30, 2025$2,775 $16,012 $4,393 $11,011 $34,191 
December 31, 2024$1,925 $14,507 $3,882 $13,284 $33,598 
Charge-offs— (3,818)(2,744)(51)(6,613)
Recoveries— 75 1,518 — 1,593 
Provision850 5,248 1,737 (2,222)5,613 
June 30, 2025$2,775 $16,012 $4,393 $11,011 $34,191 
The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of June 30, 2026 and December 31, 2025:
June 30, 2026Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— 3,838 3,838 
Consumer— — — 
Residential1,010 — 1,010 
Total$1,010 $3,838 $4,848 

December 31, 2025Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— — — 
Consumer— — — 
Residential3,172 — 3,172 
Total$3,172 $— $3,172 
Financing Receivable, Modified, Past Due
The following table presents the amortized cost basis of loans at June 30, 2025 that were both experiencing financial difficulty and modified during the three and six months ended June 30, 2025, by class and by type of modification.
June 30, 2025
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate ReductionCombination Term Extension and Principal ForgivenessCombination Term Extension and Interest Rate ReductionTotal Class of Financing Receivable
Commercial$— $— $— $— $— $— — %
Commercial Real Estate— — — — — — — %
Consumer— — — — — — — %
Residential— 705 — — — — 0.05 %
Total$— $705 $— $— $— $— 0.02 %
The following table presents the performance of loans that have been modified for borrowers experiencing financial difficulty in the last 12 months.
June 30, 2026
CurrentLoans Past Due 30-59 DaysLoans Past Due 60-89 DaysLoans Past Due 90 or more DaysTotal Loans Past Due
Commercial$— $— $— $— $— 
Commercial Real Estate— — — — — 
Consumer— — — — — 
Residential346 — — — — 
Total$346 $— $— $— $— 
Financing Receivable Credit Quality Indicators
The following tables present credit quality indicators by total loans amortized cost basis by origination year as of June 30, 2026 and December 31, 2025:
Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving Loan Converted to TermTotal
June 30, 202620262025202420232022Prior
Commercial:
Risk rating
Satisfactory$26,271 $36,467 $37,354 $17,115 $13,571 $23,812 $13,624 $— $168,214 
Special mention213 — — 25 — — — — 238 
Substandard— — — 264 900 2,826 615 — 4,605 
Doubtful— — — — — — — — — 
Total Commercial Loans$26,484 $36,467 $37,354 $17,404 $14,471 $26,638 $14,239 $— $173,057 
Current-period gross charge-offs$— $— $88 $— $— $— $— $— $88 
Commercial Real Estate:
Risk rating
Satisfactory$39,200 $96,333 $114,737 $78,792 $138,707 $347,980 $1,119 $— $816,868 
Special mention— — 4,535 — 653 1,079 340 — 6,607 
Substandard— 2,527 — 641 2,955 4,919 2,944 — 13,986 
Doubtful— — — — — — — — — 
Total Commercial Real Estate Loans$39,200 $98,860 $119,272 $79,433 $142,315 $353,978 $4,403 $— $837,461 
Current-period gross charge-offs$— $— $— $— $— $— $— $— $— 
Consumer:
Risk rating
Performing$237,161 $320,514 $225,058 $148,025 $102,216 $48,466 $434 $— $1,081,874 
Nonperforming55 251 347 283 183 176 — — 1,295 
Total Consumer Loans$237,216 $320,765 $225,405 $148,308 $102,399 $48,642 $434 $— $1,083,169 
Current-period gross charge-offs$12 $547 $1,021 $563 $571 $496 $— $— $3,210 
Residential:
Risk rating
Performing$60,058 $151,585 $158,734 $152,039 $197,510 $540,982 $138,778 $— $1,399,686 
Nonperforming— 150 323 284 — 2,054 357 — 3,168 
Total Residential Loans$60,058 $151,735 $159,057 $152,323 $197,510 $543,036 $139,135 $— $1,402,854 
Current-period gross charge-offs$— $— $— $— $— $46 $— $— $46 
Total Loans$362,958 $607,827 $541,088 $397,468 $456,695 $972,294 $158,211 $— $3,496,541 
Total current-period gross charge-offs$12 $547 $1,109 $563 $571 $542 $— $— $3,344 
Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving Loan Converted to TermTotal
December 31, 202520252024202320222021Prior
Commercial:
Risk rating
Satisfactory$40,855 $41,908 $20,671 $15,915 $12,070 $19,917 $9,765 $— $161,101 
Special mention196 — 25 — — — — — 221 
Substandard— — 410 92 — 2,896 1,009 — 4,407 
Doubtful— — — — — — — — — 
Total Commercial Loans$41,051 $41,908 $21,106 $16,007 $12,070 $22,813 $10,774 $— $165,729 
Current-period gross charge-offs$— $— $— $— $— $— $— $— $— 
Commercial Real Estate:
Risk rating
Satisfactory$90,358 $113,616 $78,723 $128,103 $96,305 $264,374 $2,112 $— $773,591 
Special mention302 6,348 275 7,504 4,749 3,808 473 — 23,459 
Substandard2,127 — 341 4,104 304 14,069 264 — 21,209 
Doubtful— — — — — — — — — 
Total Commercial Real Estate Loans$92,787 $119,964 $79,339 $139,711 $101,358 $282,251 $2,849 $— $818,259 
Current-period gross charge-offs$— $— $— $— $1,656 $2,162 $— $— $3,818 
Consumer:
Risk rating
Performing$370,436 $281,349 $194,467 $144,210 $62,395 $20,796 $444 $— $1,074,097 
Nonperforming121 502 363 421 375 128 — — 1,910 
Total Consumer Loans$370,557 $281,851 $194,830 $144,631 $62,770 $20,924 $444 $— $1,076,007 
Current-period gross charge-offs$291 $1,472 $1,380 $1,367 $904 $271 $— $— $5,685 
Residential:
Risk rating
Performing$144,618 $172,965 $160,802 $206,858 $170,889 $395,132 $135,483 $— $1,386,747 
Nonperforming204 1,041 337 1,966 342 2,291 170 — 6,351 
Total Residential Loans$144,822 $174,006 $161,139 $208,824 $171,231 $397,423 $135,653 $— $1,393,098 
Current-period gross charge-offs$— $— $— $20 $— $31 $— $— $51 
Total Loans$649,217 $617,729 $456,414 $509,173 $347,429 $723,411 $149,720 $— $3,453,093 
Total current-period gross charge-offs$291 $1,472 $1,380 $1,387 $2,560 $2,464 $— $— $9,554