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Visual21 Oct 2025
Hermès' growth by geographical region visualized
Arrow Financial (AROW) investor relations material
Arrow Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $10.8M, up from $6.3M in Q1 2025, driven by higher net interest income and lower provision for credit losses.
Net interest margin rose to 3.16% from 3.08% sequentially, reflecting yield expansion and moderating liability costs.
Stockholders' equity increased to $408.5M, with book value per share at $24.78 and tangible book value at $23.23.
Q2 included $1.1M in non-core unification costs related to the operational merger of banking subsidiaries.
The company remains well-capitalized and continues to focus on expense management and operational efficiency.
Financial highlights
Net interest income for Q2 2025 was $32.5M, up 19.8% year-over-year and 3.8% from Q1 2025.
Provision for credit losses was $0.6M in Q2 2025, down from $5.0M in Q1 2025.
Non-interest income for Q2 2025 was $7.6M, down 3.1% year-over-year and slightly from Q1 due to weaker wealth management revenue.
Non-interest expense was $25.7M, with increases in salaries, technology, and unification costs.
Diluted EPS for Q2 2025 was $0.65, up from $0.52 in Q2 2024; return on average assets was 1.00%.
Outlook and guidance
Management expects continued strong asset quality and capital levels, with a focus on expense control and operational efficiency.
The company is well-positioned for various interest rate environments and maintains robust liquidity and capital ratios.
Management expects to advance strategic priorities and continue delivering value for shareholders and communities.
How will Arrow advance strategic priorities?
What drove the decrease in credit losses?
What is the status of collateral properties?
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Next Arrow Financial earnings date
Q3 202527 Oct, 2025
Next Arrow Financial earnings date
Q3 202527 Oct, 2025
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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.
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