ARROW FINANCIAL CORP (AROW) Financial Statements — Income, Balance Sheet, Cash Flow

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Financial Statements — AROW

Balance Sheet

(in billions USD)

Metric	Q1 2026	Q3 2025	Q2 2025	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022	Q2 2022	Q1 2022	Q3 2021	Q2 2021	Q1 2021
Cash & Equivalents	0.29	0.40	0.27	0.30	0.34	0.20	0.28	0.29	0.17	0.20	0.37	0.22	0.49	0.60	0.48	0.45
Net Loans & Leases	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--	2.61
Total Assets	4.52	4.59	4.41	4.45	4.41	4.24	4.33	4.27	4.10	4.11	4.23	3.99	4.16	4.07	3.90	3.90
Total Deposits	4.01	4.10	3.93	3.97	3.84	3.68	3.78	3.67	3.50	3.55	3.80	3.55	3.72	3.61	3.44	3.45
Total Liabilities	4.08	4.17	4.01	4.04	4.02	3.86	3.96	3.91	3.74	3.75	3.89	3.63	3.80	3.71	3.54	3.56
Retained Earnings	0.11	0.09	0.08	0.08	0.08	0.07	0.07	0.06	0.07	0.07	0.06	0.07	0.06	0.05	0.06	0.05
Total Stockholder Equity	0.44	0.42	0.41	0.40	0.39	0.38	0.38	0.36	0.36	0.36	0.35	0.36	0.36	0.36	0.35	0.34

Income Statement

(in millions USD) (except per-share rows)

Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021	Q2 2021
Interest Expense	17.66	19.47	19.47	19.04	19.01	21.21	21.01	20.82	20.22	18.71	16.76	14.24	8.02	5.33	3.31	1.56	1.12	1.15	1.17	1.34
Net Interest Income	--	--	--	--	--	--	--	27.15	26.46	25.61	25.35	25.77	28.09	30.58	30.90	29.04	27.83	27.20	28.64	28.36
Provision for Credit Losses	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--	0.77	0.56	0.10	0.26
Non-interest Income	8.63	8.27	8.72	7.61	7.84	4.23	8.13	7.86	7.86	7.48	8.05	6.91	6.68	7.17	7.83	7.74	8.16	7.59	7.69	8.48
Non-interest Expense	26.87	25.80	25.43	25.65	26.05	25.84	24.10	23.32	24.01	23.19	23.48	24.08	22.30	20.79	21.45	20.35	18.95	20.86	19.42	19.09
Pretax Income*	17.35	16.76	16.60	13.90	8.13	5.22	11.54	10.92	9.68	9.38	9.57	7.65	10.92	15.54	15.57	15.53	16.27	13.37	16.81	17.49
Tax Provision	3.86	2.75	3.77	3.09	1.82	0.75	2.56	2.31	2.02	1.66	1.83	1.60	2.36	3.46	3.40	3.56	3.70	3.06	3.82	4.21
Net Income	13.49	14.01	12.83	10.81	6.31	4.47	8.98	8.60	7.66	7.72	7.74	6.05	8.56	12.09	12.16	11.97	12.58	10.31	12.99	13.28
Basic EPS	0.82	0.85	0.77	0.65	0.38	0.26	0.54	0.52	0.45	0.43	0.46	0.36	0.52	0.68	0.74	0.75	0.78	0.59	0.81	0.85
Diluted EPS	0.82	0.85	0.77	0.65	0.38	0.27	0.53	0.52	0.45	0.43	0.46	0.36	0.52	0.68	0.74	0.75	0.78	0.59	0.81	0.85

* Derived from reported values

Cash Flow Statement

(in millions USD)

Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021	Q2 2021
Operating Cash Flow	15.24	5.91	15.02	10.28	10.07	5.63	9.42	9.08	10.35	(16.32)	11.20	12.48	13.22	11.50	17.53	13.92	16.77	12.49	15.62	19.97
Capital Expenditures	1.30	1.07	0.74	2.00	1.27	1.51	1.37	1.56	1.16	0.61	1.41	2.43	2.64	3.34	4.83	2.96	3.12	3.20	1.54	1.09
Free Cash Flow*	13.94	4.84	14.28	8.28	8.80	4.11	8.05	7.52	9.19	(16.93)	9.79	10.05	10.59	8.17	12.69	10.96	13.65	9.30	14.08	18.88
Investing Cash Flow	(15.11)	(23.42)	(49.68)	6.56	5.08	(90.12)	32.70	6.16	(37.69)	(1.83)	(52.34)	(22.74)	(5.74)	(49.57)	(106.97)	(110.35)	(126.17)	(92.10)	(57.34)	28.61
Financing Cash Flow	71.29	(165.75)	163.65	(49.84)	131.75	(101.04)	97.77	(97.51)	167.27	(134.06)	162.28	(19.61)	131.34	(270.70)	245.62	(173.88)	139.28	(61.06)	161.86	(22.56)

* Derived from reported values

Dividends Per Share

(USD)

Metric	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021	Q2 2021	Q1 2021
Dividends Per Share	0.30	0.29	0.29	0.28	0.28	0.27	0.27	0.27	0.26	0.26	0.27	0.27	0.26	0.26	0.27	0.27	0.25	0.25	0.26	0.26