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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Arrow Financial
Arrow Financial (AROW) investor relations material
Arrow Financial Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary9 Nov, 2026
Executive summary
Q3 net income was $5.7M and diluted EPS was $0.31; core net income was $18.1M and core EPS was $0.97 excluding $15.6M of merger expenses.
9M net income was $30.1M versus $29.9M YoY; diluted EPS was $1.75 versus $1.80.
The July 1 Adirondack Bancorp acquisition expanded loans and deposits, supporting NII, margin and fee-income growth.
Financial highlights
Q3 NII was $48.7M, up 42.8% YoY and 35.6% QoQ; noninterest income was $11.4M versus $8.3M in Q2.
Q3 noninterest expense rose 103.8% to $51.8M, including $15.6M of merger costs; the income tax provision was $1.2M versus $3.8M YoY.
9M NII rose to $120.8M from $98.0M YoY; noninterest income was $28.3M versus $24.2M.
Sept. 30 assets were $5.55B, up $1.06B QoQ; deposits rose $1.08B to $4.74B and loans rose $643.1M to $4.10B.
Assets were up 24.8% from year-end 2025; loans were $4.14B, up 20.0%, and deposits were $4.74B, up 20.3%.
Outlook and guidance
95% of expected acquisition cost savings targeted by 1Q27; core-system conversion was scheduled for Nov. 7–8, 2026.
Acquisition-related interest-income accretion and expense amortization run rates were expected to continue into 2027.
One branch closed in Q3, one was scheduled to close in Nov. 2026, and two more were under review for 1H27.
Seasonal loan delinquency increases were expected in Q4.
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Latest events from Arrow Financial
- Q2 2026 net income was $11.0M, with strong capital and Adirondack acquisition completed.AROW
Q2 2026 - Strong financials, board elections, and a major acquisition set the stage for future growth.AROWAGM 2026
- Q1 2026 delivered strong NIM, robust credit, and announced an accretive acquisition for Q3 2026.AROWQ1 2026
- Election of directors, say-on-pay, and auditor ratification headline the 2026 annual meeting.AROWProxy filing
- 2025 saw record earnings, unified branding, and robust governance; key votes set for June 2026.AROWProxy filing
- Record earnings, strong credit, and improved efficiency set the stage for 2026 growth.AROWQ4 2025
- Strong 2024 performance, governance enhancements, and key votes on directors, pay, and auditor.AROWProxy Filing
- Director elections, say-on-pay, and auditor ratification headline the 2025 annual meeting.AROWProxy Filing
- Q3 2025 net income up 42.9% year-over-year to $12.8M, with NIM at 3.24% and strong capital metrics.AROWQ3 2025
Next Arrow Financial earnings date
Q4 202629 Jan, 2027
Arrow Financial
Next Arrow Financial earnings date
Q4 202629 Jan, 2027
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Frequently asked questions
rrow Financial Corporation is a bank holding company based in Glens Falls, New York. It operates through its subsidiaries, providing a wide array of banking and insurance services across northeastern New York. The company's offerings include online and mobile banking, wealth management, as well as money market and deposit accounts. Furthermore, Arrow Financial Corporation extends its services to include mortgage, consumer, and commercial loans. The company is headquartered in Glens Falls, New York, and its shares are listed on the Nasdaq.