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FIXnotes

ARROW BANK NATIONAL ASSN

BANK

GLENS FALLS, NY · N

Total Assets
$4.5B
Total Loans
$3.4B
0.9%
-0.9
ARROW BANK NATIONAL ASSN in NY reported a Texas ratio of 0.9% in Q1 2026, down -0.9pp from the prior quarter. Nonperforming assets declined -0.12pp to 0.13%.

Portfolio composition

CategoryBalance% of totalNPL %Charge-off %
Real estate (all)
Commercial real estate
Construction & land
FOUNDATION Multifamily Unlock to view
FOUNDATION Non-residential CRE Unlock to view
FOUNDATION Residential real estate Unlock to view
FOUNDATION Commercial & industrial Unlock to view
FOUNDATION Consumer Unlock to view
FOUNDATION Other loans Unlock to view
FOUNDATION 1-4 family — 1st lien Unlock to view
FOUNDATION 1-4 family — junior lien Unlock to view
FOUNDATION 1-4 family — HELOC Unlock to view
FOUNDATION Multifamily Unlock to view
FOUNDATION CRE — owner-occupied Unlock to view
FOUNDATION CRE — non-owner-occupied Unlock to view
FOUNDATION Construction — 1-4 family Unlock to view
FOUNDATION Construction — other Unlock to view
FOUNDATION Commercial & industrial Unlock to view
FOUNDATION Consumer Unlock to view
FOUNDATION

20-quarter trend panels

See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.

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Peer cohort comparison

Benchmark against banks in the same size and geography cohort.

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Full portfolio composition

Every loan category, NPL ratio, and charge-off rate — beyond the top 3.

New York mortgage-note market & lender distress →

Recent acquisitions

Institutions ARROW BANK NATIONAL ASSN absorbed since 2024 and the inherited portfolio's last-reported call-report figures. Why inherited portfolios matter

  • Adirondack BankUtica, NY · Jul 1, 2026 · Merger
    Inherited NPL volume
    $4M
    Inherited NPL %
    0.68%
    Total loans inherited
    $611M
    Total assets inherited
    $1.0B
    YTD charge-offs (at close)
    $36K
    Last filing
    Mar 31, 2026
  • Saratoga National Bank and TrustSaratoga Springs, NY · Dec 31, 2024 · Merger
    Inherited NPL volume
    $2M
    Inherited NPL %
    0.18%
    Total loans inherited
    $974M
    Total assets inherited
    $1.2B
    YTD charge-offs (at close)
    $2M
    Last filing
    Sep 30, 2024