# ARROW BANK NATIONAL ASSN
GLENS FALLS, NY · FDIC certificate 7074 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $4.46B | |
| Deposits | $3.68B | |
| Loans and leases | $3.50B | |
| Total equity | $423.3M | |
| Loans / deposits | 94.14% (p71 of band) | 87.10% |
| Liquid assets / assets | 16.91% (p31 of band) | |
| Uninsured deposits / deposits | 30.32% (p49 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.07% (p54 of band) | |
| FHLB advances / assets | 6.96% | |
| Tier 1 leverage | 9.33% (p19 of band) | 10.50% |
| Unrealized securities loss / equity | -5.86% (p59 of band) | -7.75% |
| AOCI / equity | -0.33% (p48 of band) | |
| ROA (annualized) | 1.11% (p38 of band) | 1.26% |
| Net interest margin | 3.45% (p34 of band) | 3.70% |
| Efficiency ratio | 60.50% (p55 of band) | |
| Noncurrent loans | 0.24% (p26 of band) | 0.51% |
| Net charge-offs (annualized) | 0.07% (p68 of band) | |
| Reserve coverage of noncurrent | 435.89% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 16.91% (p15 of band) | |
| Auto loans | $1.08B (30.85% of loans; DQ 1.57%, NCO 0.06%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -6.5% | |
| Employees | 628 | |

## Flags firing in the latest filing

- **auto book souring** (`conc_auto`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | auto book souring |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | auto book souring |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | auto book souring |  |
| 2012-06 | 0 |  | auto book souring |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | auto book souring |  |
| 2013-03 | 0 |  | auto book souring |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | auto book souring |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 3 | uninsured deposits leaving |  |
| 2019-03 | 2 |  | capital falling |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | capital falling | uninsured deposits leaving |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | deposits shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7074 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "7074", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide