(AROW) Arrow Financial - Ratings and Ratios

Arrow Financial Corporation, a bank holding company, operates as a multifaceted financial services provider, offering a broad range of commercial and consumer banking products and services. The company's deposit products are designed to cater to diverse customer needs, including demand deposits, interest-bearing checking accounts, savings deposits, time deposits, and other time deposits, all of which are tailored to provide customers with flexibility and convenience in managing their finances. Additionally, the company's lending activities are geared towards supporting various business and personal needs, such as commercial loans, including term loans, time notes, and lines of credit, as well as commercial real estate loans for purchasing, refinancing, expanding, and enhancing commercial properties.

The company's lending portfolio also encompasses consumer installment loans for personal expenditures, personal lines of credit, overdraft protection, and automobile loans, thereby providing individuals with access to credit for various purposes. Furthermore, residential real estate loans, fixed home equity loans, and home equity lines of credit are offered to consumers to finance home improvements, debt consolidation, education, and other uses, demonstrating the company's commitment to supporting homeowners and individuals in achieving their financial goals. An indirect lending program is also maintained, which enables the company to expand its reach and provide financing solutions to a broader customer base.

Arrow Financial Corporation's service offerings extend beyond traditional banking products, as it provides retirement planning, trust, and estate administration services for individuals, as well as pension, profit-sharing, and employee benefit plan administration services for corporations. This is complemented by insurance agency services, including group health care policies, life insurance, and property and casualty insurance products, which are designed to provide customers with comprehensive protection and risk management solutions. The company also offers investment advisory services to its proprietary mutual funds and holds a real estate investment trust, further diversifying its portfolio and providing customers with a range of investment options.

The company's operations are primarily focused in the northeastern region of New York State, with a presence in Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties. With a rich history dating back to 1851, Arrow Financial Corporation has established itself as a trusted and reliable financial services provider in the region, with its headquarters located in Glens Falls, New York. The company's common stock is listed on the NASDAQ stock exchange under the ticker symbol AROW, and it is classified under the GICS Sub Industry of Regional Banks, reflecting its position as a key player in the regional banking sector.