Arrow Financial Reports Q4 and Full-Year 2025 Earnings

Bank holding company sees growth in net interest income and lending activities across its subsidiaries.

Jan. 29, 2026 at 10:23am

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Arrow Financial Corporation, the parent company of Glens Falls National Bank and Trust Company and Saratoga National Bank and Trust Company, has reported its financial results for the fourth quarter and full year ended December 31, 2025. The company saw increases in net interest income and growth across its commercial, mortgage, and consumer lending portfolios during the period.

Why it matters

As a regional banking group serving northeastern New York, Arrow Financial's performance provides insights into the economic conditions and lending trends in the Albany-to-Canadian border corridor. The company's results reflect the ongoing recovery in commercial and consumer lending activity in the area.

The details

For the fourth quarter of 2025, Arrow Financial reported net interest income of $35.14 million, an increase from the prior year period. The company saw growth across its commercial and industrial, mortgage, and consumer installment and home equity lending portfolios. Arrow's banking subsidiaries, Glens Falls National Bank and Saratoga National Bank, provide a range of services for individuals and small-to-mid-sized businesses in the region.

  • Arrow Financial reported its Q4 and full-year 2025 results on January 29, 2026.

The players

Arrow Financial Corporation

A bank holding company that owns Glens Falls National Bank and Trust Company and Saratoga National Bank and Trust Company, providing banking and financial services in northeastern New York.

Glens Falls National Bank and Trust Company

A subsidiary of Arrow Financial Corporation that provides banking and financial services in the Albany-to-Canadian border region of New York.

Saratoga National Bank and Trust Company

A subsidiary of Arrow Financial Corporation that provides banking and financial services in the Albany-to-Canadian border region of New York.

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The takeaway

Arrow Financial's results demonstrate the continued economic recovery in upstate New York, with growth in commercial, mortgage, and consumer lending activity across the company's banking subsidiaries serving the Albany-to-Canadian border region.