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Arrow Bank National Association

$1B-$10B Specialty: Consumer NY FDIC cert 7074

Designations: ✓ Community bank

Glens Falls, NY

38 branches across NY

884 banks in the $1B-$10B peer group nationally 38 in NY
View $1B-$10B leaderboard (NY) →

Arrow Bank National Association has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 1.31% below tier average
  • + Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.15% below tier average
  • - Net Interest Margin 0.37% below tier average
Get updates when Arrow Bank National Association releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $4.5B
+1.4% YoY +1.8% QoQ
+$1.7B $2.8B
-0.1% YoY
$19.3B
+17.3% YoY
$6.2B
+9.1% YoY
83%
Total Loans ? $3.4B
+0.8% YoY -0.4% QoQ
+$1.4B $2.0B
+0.6% YoY
$8.1B
+14.6% YoY
$3.2B
+10.8% YoY
85%
Total Deposits ? $4.0B
+1.2% YoY +1.9% QoQ
+$1.7B $2.3B
-0.3% YoY
$15.1B
+16.0% YoY
$4.8B
+8.2% YoY
Top 14.9% in tier
Return on Assets ? 1.22%
+108.4% YoY +21.9% QoQ
-0.15% 1.37%
+19.6% YoY
0.86%
+14.3% YoY
1.23%
+13.4% YoY
49%
Net Interest Margin ? 3.45%
+12.8% YoY +7.5% QoQ
-0.37% 3.82%
+6.9% YoY
3.45%
+7.0% YoY
3.89%
+5.7% YoY
38%
Efficiency Ratio ? 59.76%
-10.2% YoY -3.3% QoQ
-1.31% 61.06%
-4.6% YoY
69.17%
-3.6% YoY
66.95%
-4.1% YoY
50%
Delinquency Rate ? 0.13%
-76.9% YoY -47.5% QoQ
-0.76% 0.89%
+14.1% YoY
1.13%
+6.9% YoY
0.95%
+18.8% YoY
Top 14.3% in tier
Loan-to-Deposit Ratio ? 84.82%
-0.4% YoY -2.3% QoQ
+0.61% 84.20%
+0.3% YoY
77.98%
+0.4% YoY
76.70%
+0.9% YoY
54%
Non-Interest-Bearing Deposit Share ? 17.98%
+2.3% YoY -1.9% QoQ
-3.31% 21.29%
-2.5% YoY
21.94%
+1.2% YoY
22.01%
-1.2% YoY
40%
Nonperforming Asset Ratio ? 0.10%
-77.1% YoY -48.6% QoQ
-0.58% 0.67%
+15.6% YoY
0.73%
+4.5% YoY
0.67%
+19.3% YoY
Top 14.4% in tier
Tier 1 Capital Ratio ? 13.41%
+5.2% YoY +2.1% QoQ
-1.75% 15.16%
+2.0% YoY
24.83%
+10.8% YoY
17.06%
+0.8% YoY
54%
Non-Interest Income / Assets ? 0.19%
+11.2% YoY -73.8% QoQ
-0.07% 0.26%
+1.6% YoY
0.21%
+9.1% YoY
0.32%
+4.1% YoY
68%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

127
Delinquency Rate
credit_quality
Value: 0.13%
Peer Median: 0.89%
#127 of 880 Top 14.3% in $1B-$10B
128
Nonperforming Asset Ratio
credit_quality
Value: 0.10%
Peer Median: 0.67%
#128 of 884 Top 14.4% in $1B-$10B
133
Total Deposits
size
Value: $4.01B
Peer Median: $2.34B
#133 of 884 Top 14.9% in $1B-$10B
138
Total Loans
size
Value: $3.40B
Peer Median: $1.96B
#138 of 884 Top 15.5% in $1B-$10B
150
Total Assets
size
Value: $4.50B
Peer Median: $2.82B
#150 of 884 Top 16.9% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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