Arrow Financial (AROW) 10-K 8 Mar 19 2018 FY Annual report Financial data

Document and Entity Information

Document and Entity Information Document - USD ($)	12 Months Ended
	Dec. 31, 2018	Feb. 28, 2019	Jun. 30, 2018
Document and Entity Information [Abstract]
Entity Registrant Name	Arrow Financial Corporation
Entity Central Index Key	717,538
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Emerging Growth Company	false
Entity Small Business	false
Entity Shell Company	false
Document Type	10-K
Document Period End Date	Dec. 31, 2018
Document Fiscal Year Focus	2,018
Document Fiscal Period Focus	FY
Amendment Flag	false
Entity Common Stock, Shares Outstanding		14,465,928
Entity Well-known Seasoned Filer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Public Float			$ 510,085,420

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
ASSETS
Cash and Due From Banks	$ 56,529	$ 42,562
Interest-Bearing Deposits at Banks	27,710	30,276
Investment Securities:
Available-for-Sale	317,535	300,200
Held-to-Maturity (Approximate Fair Value of $280,338 at December 31, 2018, and $335,901 at December 31, 2017)	283,476	335,907
Equity securities	1,774	0
Other Investments	15,506	9,949
Loans	2,196,215	1,950,770
Allowance for Loan Losses	(20,196)	(18,586)
Net Loans	2,176,019	1,932,184
Premises and Equipment, Net	30,446	27,619
Goodwill	21,873	21,873
Other Intangible Assets, Net	1,852	2,289
Other Assets	55,614	57,606
Total Assets	2,988,334	2,760,465
LIABILITIES
Noninterest-Bearing Deposits	472,768	441,945
Interest-Bearing Checking Accounts	790,781	907,315
Savings Deposits	818,048	694,573
Time Deposits over $250,000	73,583	38,147
Other Time Deposits	190,404	163,136
Total Deposits	2,345,584	2,245,116
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	54,659	64,966
Federal Home Loan Bank Overnight Advances	234,000	105,000
Federal Home Loan Bank Term Advances	45,000	55,000
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Other Liabilities	19,507	20,780
Total Liabilities	2,718,750	2,510,862
STOCKHOLDERS’ EQUITY
Preferred Stock, $5 Par Value; 1,000,000 Shares Authorized	0	0
Common Stock, $1 Par Value; 20,000,000 Shares Authorized (19,035,565 Shares Issued at December 31, 2018, and 18,481,301 Shares Issued at December 31, 2017)	19,035	18,481
Additional Paid-in Capital	314,533	290,219
Retained Earnings	29,257	28,818
Unallocated ESOP Shares (5,001 Shares at December 31, 2018, and 9,643 Shares at December 31, 2017)	(100)	(200)
Accumulated Other Comprehensive Loss	(13,810)	(8,514)
Treasury Stock, at Cost (4,558,207 Shares at December 31, 2018, and 4,541,524 Shares at December 31, 2017)	(79,331)	(79,201)
Total Stockholders’ Equity	269,584	249,603
Total Liabilities and Stockholders’ Equity	$ 2,988,334	$ 2,760,465

Balance Sheet Parenthetical (Pa

Balance Sheet Parenthetical (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Statement of Financial Position [Abstract]
Held-To-Maturity Securities, at Fair Value	$ 280,338	$ 335,901
Preferred Stock, Par Value (in usd per share)	$ 5	$ 5
Preferred Stock, Shares Authorized (in shares)	1,000,000	1,000,000
Common Stock, Par Value (in usd per share)	$ 1	$ 1
Common Stock, Shares Authorized (in shares)	20,000,000	20,000,000
Common Stock, Shares Issued (in shares)	19,035,565	18,481,301
Unallocated ESOP Shares (in shares)	5,001	9,643
Treasury Stock, Shares (in shares)	4,558,207	4,541,524

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
INTEREST AND DIVIDEND INCOME
Interest and Fees on Loans	$ 81,647	$ 70,202	$ 62,823
Interest on Deposits at Banks	711	348	152
Interest and Dividends on Investment Securities:
Fully Taxable	8,582	7,884	7,934
Exempt from Federal Taxes	5,563	6,223	6,006
Total Interest and Dividend Income	96,503	84,657	76,915
INTEREST EXPENSE
Interest-Bearing Checking Accounts	1,618	1,510	1,280
Savings Deposits	3,457	1,371	932
Time Deposits over $250,000	1,183	282	187
Other Time Deposits	1,420	950	924
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	62	44	33
Federal Home Loan Bank Advances	3,779	2,083	1,340
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	966	766	660
Total Interest Expense	12,485	7,006	5,356
NET INTEREST INCOME	84,018	77,651	71,559
Provision for Loan Losses	2,607	2,736	2,033
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	81,411	74,915	69,526
NONINTEREST INCOME
Net (Loss) Gain on Securities Transactions	213	(448)	(22)
Insurance Commissions	7,888	8,612	8,668
Net Gain on Sales of Loans	135	546	821
Other Operating Income	1,324	927	1,113
Total Noninterest Income	28,949	27,645	27,832
NONINTEREST EXPENSE
Salaries and Employee Benefits	38,788	37,677	34,637
Occupancy Expenses, Net	9,787	9,560	9,402
FDIC Assessments	881	891	1,076
Other Operating Expense	15,599	14,577	14,494
Total Noninterest Expense	65,055	62,705	59,609
INCOME BEFORE PROVISION FOR INCOME TAXES	45,305	39,855	37,749
Provision for Income Taxes	9,026	10,529	11,215
NET INCOME	$ 36,279	$ 29,326	$ 26,534
Average Shares Outstanding:
Basic Shares, in Shares	14,408	14,310	14,206
Diluted Shares, in Shares	14,488	14,406	14,297
Per Common Share:
Basic Earnings, in USD Per Share	$ 2.52	$ 2.05	$ 1.87
Diluted Earnings, In USD Per Share	$ 2.50	$ 2.04	$ 1.86
Fiduciary and Trust
NONINTEREST INCOME
Income From Fiduciary Activities	$ 9,255	$ 8,417	$ 7,783
Deposit Account
NONINTEREST INCOME
Income From Fiduciary Activities	$ 10,134	$ 9,591	$ 9,469

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Statement of Comprehensive Income [Abstract]
Net Income	$ 36,279	$ 29,326	$ 26,534
Other Comprehensive Income (Loss), Net of Tax:
Unrealized Net Securities Holding Losses Arising During the Year	(2,116)	(940)	(1,024)
Reclassification Adjustment for Net Securities Losses Included in Net Income	0	337	13
Net Retirement Plan (Loss) Gain	(2,833)	214	1,721
Net Retirement Plan Prior Service (Cost) Credit	(338)	0	0
Amortization of Net Retirement Plan Actuarial Loss	242	362	435
Amortization of Net Retirement Plan Prior Service (Credit) Cost	80	(8)	(7)
Other Comprehensive Income (Loss)	(4,965)	(35)	1,138
Comprehensive Income	$ 31,314	$ 29,291	$ 27,672

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands		Total		Common Stock		Additional Paid in Capital	Retained Earnings	Unallocated ESOP Shares	Accumulated Other Comprehensive Income (Loss)	Treasury Stock
Stockholder's Equity Beginning Balance at Dec. 31, 2015		$ 213,971		$ 17,421		$ 250,680	$ 32,139	$ (1,100)	$ (7,972)	$ (77,197)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income		26,534					26,534
Other Comprehensive Loss		1,138							1,138
Stock Dividend		0		522		16,415	(16,937)
Cash Dividends Paid		(13,092)	[1]				(13,092)
Shares Issued for Stock Option Exercises, net		2,404				1,265				1,139
Shares Issued Under the Directors' Stock Plan		205				138				67
Shares Issued Under the Employee Stock Purchase Plan		493				318				175
Shares Issued for Dividend Reinvestment Plans		1,743				1,167				576
Stock-Based Compensation Expense		287				287
Tax Benefits Related to Stock Options Exercised		188				188
Purchases of Treasury Stock		(2,141)								(2,141)
Allocation of ESOP Stock		1,122				422		700
Stockholder's Equity Ending Balance at Dec. 31, 2016		232,852		17,943		270,880	28,644	(400)	(6,834)	(77,381)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income		29,326					29,326
Other Comprehensive Loss		(35)							(35)
Reclassification due to the adoption of ASU No. 2018-02							1,645		(1,645)
Stock Dividend		0		538		16,660	(17,198)
Cash Dividends Paid	[1]	(13,599)					(13,599)
Shares Issued for Stock Option Exercises, net		1,190				544				646
Shares Issued Under the Directors' Stock Plan		233				160				73
Shares Issued Under the Employee Stock Purchase Plan		496				331				165
Shares Issued for Dividend Reinvestment Plans		1,684				1,140				544
Stock-Based Compensation Expense		351				351
Tax Benefits Related to Stock Options Exercised		168
Purchases of Treasury Stock		(3,248)								(3,248)
Allocation of ESOP Stock		353				153		200
Stockholder's Equity Ending Balance at Dec. 31, 2017		249,603		18,481		290,219	28,818	(200)	(8,514)	(79,201)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Impact of ASU adoption | Accounting Standards Update 2014-09		(102)					(102)
Impact of ASU adoption | Accounting Standards Update 2016-01		$ 0					331		(331)
Treasury shares (in shares)		4,541,524
Unallocated ESOP shares (in shares)		9,643
Net Income		$ 36,279					36,279
Other Comprehensive Loss		(4,965)							(4,965)
Stock Dividend		0		554	[2]	21,126	(21,680)
Cash Dividends Paid	[1]	(14,389)					(14,389)
Shares Issued for Stock Option Exercises, net		2,255				1,079				1,176
Shares Issued Under the Directors' Stock Plan		205				142				63
Shares Issued Under the Employee Stock Purchase Plan		505				340				165
Shares Issued for Dividend Reinvestment Plans		1,761				1,197				564
Stock-Based Compensation Expense		356				356
Tax Benefits Related to Stock Options Exercised		240
Purchases of Treasury Stock		(2,098)								(2,098)
Allocation of ESOP Stock		174				74		100
Stockholder's Equity Ending Balance at Dec. 31, 2018		$ 269,584		$ 19,035		$ 314,533	$ 29,257	$ (100)	$ (13,810)	$ (79,331)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Treasury shares (in shares)		4,558,207
Unallocated ESOP shares (in shares)		5,001
[1]	Cash dividends paid per share have been adjusted for the September 27, 2018 3% stock dividend.
[2]	Included in the shares issued for the 3% stock dividend in 2018 were treasury shares of 133,358 and unallocated ESOP shares of 289.

Stockholder's Equity Parentheti

Stockholder's Equity Parenthetical (Parentheticals) - $ / shares	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Statement of Stockholders' Equity [Abstract]
Cash Dividends Paid, per Share	$ 1	$ 0.95	$ 0.92
Stock Dividends - Shares	554,264	538,100	522,425
Stock Options Exercised - Shares	105,055	57,756	109,651
Shares Issued Under Directors Stock Plan - Shares	5,601	6,828	6,005
Shares Issued Under the Employee Stock Purchase Plan - Shares	14,832	15,028	17,113
Shares Issued for Dividend Reinvestment Plans - Shares	49,714	49,605	55,432
Purchase of Treasury Stock - Shares	58,527	96,496	72,723
Allocation of ESOP Stock - Shares	4,931	10,407	36,927

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Cash Flows from Operating Activities:
Net Income	$ 36,279	$ 29,326	$ 26,534
Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities:
Provision for Loan Losses	2,607	2,736	2,033
Depreciation and Amortization	4,751	5,398	5,940
Allocation of ESOP Stock	174	353	1,122
Gains on the Sale of Securities Available-for-Sale	0	(134)	(317)
Losses on the Sale of Securities Available-for-Sale	0	582	339
Net Gain on Equity Securities	(213)	0	0
Loans Originated and Held-for-Sale	(4,179)	(17,468)	(23,787)
Proceeds from the Sale of Loans Held-for-Sale	4,426	18,171	24,422
Net Gains on the Sale of Loans	(135)	(546)	(821)
Net Losses on the Sale or Write-down of Premises and Equipment, Other Real Estate Owned and Repossessed Assets	159	210	232
Contributions to Pension & Postretirement Plans	(744)	(792)	(690)
Deferred Income Tax Benefit	(92)	(1,530)	(283)
Shares Issued Under the Directors’ Stock Plan	205	233	205
Stock-Based Compensation Expense	356	351	287
Tax Benefit from Exercise of Stock Options	240	112	0
Net (Increase) in Other Assets	(1,182)	(157)	(1,598)
Net Increase (Decrease) in Other Liabilities	(676)	982	1,077
Net Cash Provided By Operating Activities	41,976	37,827	34,695
Cash Flows from Investing Activities:
Proceeds from the Sale of Securities Available-for-Sale	0	107,175	97,930
Proceeds from the Maturities and Calls of Securities Available-for-Sale	61,807	53,863	88,719
Purchases of Securities Available-for-Sale	(84,746)	(117,262)	(134,950)
Proceeds from the Maturities and Calls of Securities Held-to-Maturity	58,978	49,244	56,461
Purchases of Securities Held-to-Maturity	(7,506)	(40,851)	(82,433)
Net Increase in Loans	(247,569)	(200,600)	(182,065)
Proceeds from the Sales of Premises and Equipment, Other Real Estate Owned and Repossessed Assets	1,828	1,408	1,991
Purchase of Premises and Equipment	(5,103)	(2,602)	(1,441)
Proceeds from the Sale of a Subsidiary, Net	98	96	72
Net (Increase) Decrease in Federal Home Loan Bank Stock	(5,557)	963	(2,073)
Net Cash Used In Investing Activities	(227,770)	(148,566)	(157,789)
Cash Flows from Financing Activities:
Net Increase in Deposits	100,468	128,569	86,123
Net Increase (Decrease) in Short-Term Federal Home Loan Bank Borrowings	129,000	(18,000)	41,000
Net Increase (Decrease) in Short-Term Borrowings	(10,307)	29,130	12,663
Repayments of Federal Home Loan Bank Advances	(10,000)	0	0
Purchase of Treasury Stock	(2,098)	(3,248)	(2,141)
Shares Issued for Stock Option Exercises, net	2,255	1,190	2,404
Shares Issued Under the Employee Stock Purchase Plan	505	496	493
Tax Benefit for Exercises of Stock Options	0	0	188
Shares Issued for Dividend Reinvestment Plans	1,761	1,684	1,743
Cash Dividends Paid	(14,389)	(13,599)	(13,092)
Net Cash Provided By Financing Activities	197,195	126,222	129,381
Net Increase in Cash and Cash Equivalents	11,401	15,483	6,287
Cash and Cash Equivalents at Beginning of Year	72,838	57,355	51,068
Cash and Cash Equivalents at End of Year	84,239	72,838	57,355
Supplemental Disclosures to Statements of Cash Flow Information:
Interest on Deposits and Borrowings	12,212	6,957	5,341
Income Taxes	10,037	11,454	11,961
Non-cash Investing and Financing Activity:
Transfer of Loans to Other Real Estate Owned and Repossessed Assets	$ 1,015	$ 1,779	$ 1,876

Risks and Uncertainties

Risks and Uncertainties	12 Months Ended
	Dec. 31, 2018
Risks and Uncertainties [Abstract]
Risks and Uncertainties	RISKS AND UNCERTAINTIES Nature of Operations - Arrow Financial Corporation, a New York corporation, was incorporated on March 21, 1983 and is registered as a bank holding company within the meaning of the Bank Holding Company Act of 1956. The banking subsidiaries are Glens Falls National Bank and Trust Company (Glens Falls National/GFNB) whose main office is located in Glens Falls, New York, and Saratoga National Bank and Trust Company (Saratoga National/SNB) whose main office is located in Saratoga Springs, New York. The two banks provide a full range of services to individuals and small to mid-size businesses in northeastern New York State from Albany, the State's capitol, to the Canadian border. Both banks have wealth management departments which provide investment management and administrative services. An active subsidiary of Glens Falls National is Upstate Agency LLC, offering insurance services including property, and casualty insurance, group health insurance and individual life insurance products. North Country Investment Advisers, Inc., a registered investment adviser that provides investment advice to our proprietary mutual funds, and Arrow Properties, Inc., a real estate investment trust, or REIT, are subsidiaries of Glens Falls National. Arrow also owns directly two subsidiary business trusts, organized in 2003 and 2004 to issue trust preferred securities (TRUPs), which are still outstanding. Concentrations of Credit - Virtually all of Arrow's loans are with borrowers in upstate New York. Although the loan portfolios of the subsidiary banks are well diversified, tourism has a substantial impact on the northeastern New York economy. The commitments to extend credit are fairly consistent with the distribution of loans presented in Note 5, " Loans, " generally have the same credit risk and are subject to normal credit policies. Generally, the loans are secured by assets and are expected to be repaid from cash flow or the sale of selected assets of the borrowers. Arrow evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by Arrow upon extension of credit, is based upon management's credit evaluation of the counterparty. The nature of the collateral varies with the type of loan and may include: residential real estate, cash and securities, inventory, accounts receivable, property, plant and equipment, income producing commercial properties and automobiles.

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2018
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Principles of Consolidation - The financial statements of Arrow and its wholly owned subsidiaries are consolidated and all material inter-company transactions have been eliminated. In the “Parent Company Only” financial statements in Note 20, the investment in wholly owned subsidiaries is carried under the equity method of accounting. When necessary, prior years’ Consolidated Financial Statements have been reclassified to conform to the current-year financial statement presentation. The Company determines whether it has a controlling financial interest in an entity by first evaluating whether the entity is a voting interest entity or a variable interest entity under GAAP. Voting interest entities are entities in which the total equity investment at risk is sufficient to enable the entity to finance itself independently and provides the equity holders with the obligation to absorb losses, the right to receive residual returns and the right to make decisions about the entity’s activities. The Company consolidates voting interest entities in which it has all, or at least a majority of, the voting interest. As defined in applicable accounting standards, variable interest entities (VIE) are entities that lack one or more of the characteristics of a voting interest entity. A controlling financial interest in a VIE is present when the Company has both the power and ability to direct the activities of the VIE that most significantly impact the VIE's economic performance and an obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE. The Company’s wholly owned subsidiaries Arrow Capital Statutory Trust II and Arrow Capital Statutory Trust III are VIEs for which the Company is not the primary beneficiary. Accordingly, the accounts of these entities are not included in the Company’s Consolidated Financial Statements. Segment Reporting - Arrow operations are primarily in the community banking industry, which constitutes Arrow’s only segment for financial reporting purposes. Arrow provides other services, such as trust administration, retirement plan administration, advice to our proprietary mutual funds and insurance products, but these services do not rise to the quantitative thresholds for separate disclosure. Arrow operates primarily in the northeastern region of New York State in Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties and surrounding areas. Cash and Cash Equivalents - Cash and cash equivalents include the following items: cash at branches, due from bank balances, cash items in the process of collection, interest-bearing bank balances and federal funds sold. Securities - Management determines the appropriate classification of securities at the time of purchase. Securities reported as held-to-maturity are those debt securities which Arrow has both the positive intent and ability to hold to maturity and are stated at amortized cost. Securities available-for-sale are reported at fair value, with unrealized gains and losses reported in accumulated other comprehensive income or loss, net of taxes. Beginning January 1, 2018, upon adoption of ASU 2016-01, equity securities with readily determinable fair values are stated at fair value with realized and unrealized gains and losses reported in income. For periods prior to January 1, 2018, equity securities were classified as available-for-sale and stated at fair value with unrealized gains and losses reported as a separate component of accumulated other comprehensive income, net of tax. Realized gains and losses are based upon the amortized cost of the specific security sold. A decline in the fair value of any available-for-sale or held-to-maturity security below cost that is deemed to be other-than-temporary results in an impairment to reduce the carrying amount to fair value. To determine whether an impairment is other-than-temporary, all available information relevant to the collectability of the security is considered, including past events, current conditions, and reasonable and supportable forecasts when developing an estimate of cash flows expected to be collected. Evidence considered in this assessment includes the reasons for impairment, the severity and duration of the impairment, changes in value subsequent to year-end, forecasted performance of the investee, and the general market condition in the geographic area or industry the investee operates in. When an other-than-temporary impairment has occurred on a debt security, the amount of the other-than-temporary impairment recognized in earnings depends on whether the Company intends to sell the debt security or if it is more likely than not that the Company will be required to sell the debt security before recovery of its amortized cost basis less any current-period credit loss. If the Company intends to sell the debt security or it is more likely than not that the Company will be required to sell the debt security before recovery of its amortized cost basis less any current-period credit loss, the other-than-temporary impairment is recognized in earnings equal to the entire difference between the investment’s amortized cost basis and its fair value at the balance sheet date. If the Company does not intend to sell the debt security and it is not more likely than not that the Company will be required to sell the debt security before recovery of its amortized cost basis, the other-than-temporary impairment is separated into the amount representing the credit loss and the amount related to all other factors. The amount of the total other-than-temporary impairment related to the credit loss is recognized in earnings. The amount of the total other-than-temporary impairment related to other factors is recognized in other comprehensive income, net of applicable income taxes. Loans and Allowance for Loan Losses - Interest income on loans is accrued and credited to income based upon the principal amount outstanding. Loan fees and costs directly associated with loan originations are deferred and amortized/accreted as an adjustment to yield over the lives of the loans originated. From time-to-time, Arrow has sold (most with servicing retained) residential real estate loans at or shortly after origination. Any gain or loss on the sale of loans, along with the value of the servicing right, is recognized at the time of sale as the difference between the recorded basis in the loan and net proceeds from the sale. Loans held for sale are recorded at the lower of cost or fair value on an aggregate basis. Loans are placed on nonaccrual status either due to the delinquency status of principal and/or interest or a judgment by management that the full repayment of principal and interest is unlikely. Unless already placed on nonaccrual status, loans secured by home equity lines of credit are put on nonaccrual status when 120 days past due; residential real estate loans when 150 days past due; commercial and commercial real estate loans are evaluated on a loan-by-loan basis and are placed on nonaccrual status when 90 days past due if the full collection of principal and interest is uncertain; all other loans are to be moved to nonaccrual status upon the earliest occurrence of repossession, bankruptcy, delinquency of 90 days or more unless the loan is secured and in the process of collection with no loss anticipated or when full collection of principal and interest is in doubt. The balance of any accrued interest deemed uncollectible at the date the loan is placed on nonaccrual status is reversed, generally against interest income. A loan is returned to accrual status at the later of the date when the past due status of the loan falls below the threshold for nonaccrual status or management deems that it is likely that the borrower will repay all interest and principal. For payments received while the loan is on nonaccrual status, the Company may recognize interest income on a cash basis if the repayment of the remaining principal and accrued interest is deemed likely. The allowance for loan losses is maintained by charges to operations based upon the Company's best estimate of the probable amount of loans that will not be able to collected based on current information and events. Provisions to the allowance for loan losses are offset by actual loan charge-offs (net of any recoveries). The loan portfolio is evaluated for potential charge-offs on a monthly basis. In general, automobile and other consumer loans are charged-off when 120 days delinquent. Residential real estate loans are charged-off when a loss becomes known or based on a new appraisal at the earlier of 180 days past due or repossession. Commercial and commercial real estate loans are evaluated early in their delinquency status and are charged-off when management concludes that not all principal will be repaid from on-going cash flows or liquidation of collateral. An evaluation of estimated proceeds from the liquidation of the loan’s collateral is compared to the loan carrying amount and a charge to the allowance for loan losses is taken for any deficiency. While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions in Arrow's market area. In addition, various Federal regulatory agencies, as an integral part of their examination process, review Arrow's allowance for loan losses. Such agencies may require Arrow to recognize additions to the allowance in future periods, based on their judgments about information available to them at the time of their examination, which may not be currently available to management. All nonaccrual loans over $ 250 thousand and all troubled debt restructured loans are considered to be impaired loans and these loans are evaluated individually to determine the amount of impairment, if any. The amount of impairment, if any, related to individual impaired loans is measured based on either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's observable market price or the fair value of the collateral if the loan is collateral dependent. Arrow determines impairment for collateral dependent loans based on the fair value of the collateral less estimated costs to sell. Any excess of the recorded investment in the collateral dependent impaired loan over the estimated collateral value, less costs to sell, is typically charged off. For impaired loans which are not collateral dependent, impairment is measured by comparing the recorded investment in the loan to the present value of the expected cash flows, discounted at the loan’s effective interest rate. If this amount is less than the recorded investment in the loan, an impairment reserve is recognized as part of the allowance for loan losses, or based upon the judgment of management all or a portion of the excess of the recorded investment in the loan over the present value of the estimated future cash flow may be charged off. The allowance for loan losses on the remaining loans is primarily determined based upon consideration of the historical loss factor incorporating a rolling twelve quarter look-back period of the respective segment that have occurred within each pool of loans over the loss emergence period (LEP), adjusted as necessary based upon consideration of qualitative considerations impacting the inherent risk of loss in the respective loan portfolios. The LEP is an estimate of the average amount of time from the point at which a loss is incurred on a loan to the point at which the loss is recognized in the financial statements. Since the LEP may change under various economic environments, the LEP calculation is updated on an annual basis. In addition to historical net loss factors, qualitative factors that impact the inherent risk of loss associated with the loan categories within total loan portfolio are evaluated. These include: • Changes in the volume and severity of past due, nonaccrual and adversely classified loans • Changes in the nature and volume of the portfolio and in the terms of loans • Changes in the value of the underlying collateral for collateral dependent loans • Changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not considered elsewhere in estimating credit losses • Changes in the quality of the loan review system • Changes in the experience, ability, and depth of lending management and other relevant staff • Changes in international, national, regional, and local economic and business conditions and developments that affect the collectability of the portfolio • The existence and effect of any concentrations of credit, and changes in the level of such concentrations • The effect of other external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in the existing portfolio or pool In management’s opinion, the balance of the allowance for loan losses, at each balance sheet date, is sufficient to provide for probable loan losses inherent in the corresponding loan portfolio. Revenue Recognition - Accounting Standard Codification ("ASC") Topic 606, "Revenue from Contracts with Customers," establishes principles for reporting information about the nature, amount, timing and uncertainty of revenue and cash flows arising from the entity's contracts to provide goods or services to customers. The core principle of Topic 606 requires an entity to recognize revenue in a way that depicts the transfer of goods or services promised to a customer in an amount that reflects the consideration the entity expects to receive in exchange for those goods or services as performance obligations are satisfied. The Company adopted Topic 606 as of January 1, 2018 using the modified retrospective approach. The Company has determined that revenue from specific types of fiduciary activities and insurance commissions are within the scope of this guidance. Under prior GAAP, revenue from fiduciary activities was recognized from settling client estates over the time period the work was performed. With the adoption of Topic 606, revenue is now recognized when the performance obligation is completed, which is when the settlement of the client estate is closed. The impact of this change in revenue recognition was not material to the Company's Consolidated Financial Statements. Under prior GAAP when clients elected to pay premiums on property and casualty insurance policies in installments, revenue was recognized when the premiums were billed. With the adoption of Topic 606, this type of revenue is recognized when the performance obligation is substantially completed, i.e., when the insurance policy is issued. The impact of this change in revenue recognition was not material to the Company's Consolidated Financial Statements. The cumulative effect of the adoption of Topic 606 related to the previously described fiduciary activities and insurance commissions was a decrease in retained earnings by $102 thousand as of January 1, 2018. The majority of the Company's revenue-generating transactions are not subject to ASC Topic 606, including revenue generated from financial instruments, such as loans and investment securities which are presented in its consolidated income statements as components of net interest income. The following is a description of principal activities from which the Company generates its revenue from noninterest income sources that are within the scope of ASC Topic 606: Income from Fiduciary Activities: represents revenue derived mainly through the management of client investments which is based on the market value of the covered assets and the fee schedule contained in the applicable account management agreement. Since the revenue is mainly based on the market value of assets, this amount can be volatile as financial markets increase and decrease based on various economic factors. The terms of the account management agreements generally specify that the performance obligations are completed each quarter. Accordingly, the Company mainly recognizes revenue from fiduciary activities on a quarterly basis. Fees for Other Services to Customers: represents general service fees for monthly deposit account maintenance and account activity plus fees from other deposit-based services. Revenue is recognized when the performance obligation is completed, which is generally on a monthly basis for account maintenance services, or upon the completion of a deposit-related transaction. Payment for these performance obligations is generally received at the time the performance obligations are satisfied. Insurance Commissions: represents commissions and fees paid by insurance carriers for both property and casualty insurance policies, and for services performed for employment benefits clients. Revenue from the property and casualty insurance business is recognized when the performance obligation is satisfied, which is generally the effective date of the bound coverage since there are no significant performance obligations remaining. Revenue from the employment benefit brokerage business is recognized when the benefit servicing performance obligations are satisfied, generally on a monthly basis. Other Real Estate Owned and Repossessed Assets - Real estate acquired by foreclosure and assets acquired by repossession are recorded at the fair value of the property less estimated costs to sell at the time of repossession. Subsequent declines in fair value, after transfer to other real estate owned and repossessed assets are recognized through a valuation allowance. Such declines in fair value along with related operating expenses to administer such properties or assets are charged directly to operating expense. Premises and Equipment - Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation and amortization included in operating expenses are computed largely on the straight-line method. Depreciation is based on the estimated useful lives of the assets (buildings and improvements 20 - 40 years; furniture and equipment 7 - 10 years; data processing equipment 5 - 7 years) and, in the case of leasehold improvements, amortization is computed over the terms of the respective leases or their estimated useful lives, whichever is shorter. Gains or losses on disposition are reflected in earnings. Investments in Real Estate Limited Partnerships - These limited partnerships acquire, develop and operate low and moderate-income housing. As a limited partner in these projects, the Company receives low income housing tax credits and tax deductions for losses incurred by the underlying properties. The proportional amortization method allowed in Accounting Standards Update 2014-01 "Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Qualified Affordable Housing Projects" is applied. The proportional amortization method permits an entity to amortize the initial cost of the investment in proportion to the amount of the tax credits and other tax benefits received and to recognize the net investment performance in the income statement as a component of income tax expense. Income Taxes - The Tax Act was enacted on December 22, 2017 and required the Company to reflect the changes associated with the law’s provisions in its 2017 fourth quarter. The law is complex and has extensive implications for the Company’s federal and state current and deferred taxes and income tax expense. The Company recorded and reported the effects of the law’s impacts in its financial statements for the period ended December 31, 2017. See Note 15, Income Taxes , to the notes to our Consolidated Financial Statements for more information. Arrow accounts for income taxes under the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period that includes the enactment date. Arrow’s policy is that deferred tax assets are reduced by a valuation allowance if, based on the weight of available evidence, it is more likely than not that some or all of the deferred tax assets will not be realized. Goodwill and Other Intangible Assets - Identifiable intangible assets acquired in a business combination are capitalized and amortized. Any remaining unidentifiable intangible asset is classified as goodwill, for which amortization is not required but which must be evaluated for impairment. Arrow tests for impairment of goodwill on an annual basis, or when events and circumstances indicate potential impairment. In evaluating goodwill for impairment, Arrow first assesses certain qualitative factors to determine if it is more likely than not that the fair value of the reporting unit is less than its carrying value. If it is more likely than not that the fair value of a reporting unit exceeds its carrying amount, goodwill of the reporting unit is considered not impaired. If the carrying amount of a reporting unit exceeds its fair value, the second step of the goodwill impairment test is performed to measure the amount of impairment loss, if any. The carrying amounts of other recognized intangible assets that meet recognition criteria and for which separate accounting records have been maintained (depositor intangibles, mortgage servicing rights and customer intangibles), have been included in the consolidated balance sheet as “Other Intangible Assets, Net.” Depositor intangibles are being amortized on a straight-line basis over a period of ten to fifteen years. Arrow has sold residential real estate loans, primarily to Freddie Mac, with servicing retained. Mortgage servicing rights are recognized as an asset when loans are sold with servicing retained, by allocating the cost of an originated mortgage loan between the loan and servicing right based on estimated relative fair values. The cost allocated to the servicing right is capitalized as a separate asset and amortized in proportion to, and over the period of, estimated net servicing income. Capitalized mortgage servicing rights are evaluated for impairment by comparing the asset’s carrying value to its current estimated fair value. Fair values are estimated using a discounted cash flow approach, which considers future servicing income and costs, current market interest rates, and anticipated prepayment, and default rates. Impairment losses are recognized through a valuation allowance for servicing rights having a current fair value that is less than amortized cost on an aggregate basis. Adjustments to increase or decrease the valuation allowance are charged or credited to income as a component of other operating income. Pension and Postretirement Benefits - Arrow maintains a non-contributory, defined benefit pension plan covering substantially all employees, a supplemental pension plan covering certain executive officers selected by the Board of Directors, and certain post-retirement medical, dental and life insurance benefits for employees and retirees. The costs of these plans, based on actuarial computations of current and future benefits for employees, are charged to current operating expenses. The cost of post-retirement benefits other than pensions is recognized on an accrual basis as employees perform services to earn the benefits. Arrow recognizes the overfunded or underfunded status of our single employer defined benefit pension plan as an asset or liability on its consolidated balance sheet and recognizes changes in the funded status in comprehensive income in the year in which the change occurred. Prior service costs or credits are amortized on a straight-line basis over the average remaining service period of active participants. Gains and losses in excess of 10% of the greater of the benefit obligation or the fair value of assets are amortized over the average remaining service period of active participants. The discount rate assumption is determined by preparing an analysis of the respective plan’s expected future cash flows and high-quality fixed-income investments currently available and expected to be available during the period to maturity of the pension benefits. Stock-Based Compensation Plans - Arrow has three stock option plans, which are described more fully in Note 12, Stock Based Compensation. The Company expenses the grant date fair value of stock options and restricted stock units granted. For stock options and restricted stock units, the expense is recognized over the vesting period of the grant, typically four years for stock options and three years for restricted stock units, on a straight-line basis. Shares are generally issued from treasury for the exercise of stock options. Arrow sponsors an Employee Stock Purchase Plan ("ESPP") under which employees may purchase Arrow’s common stock at a 5% discount below market price at the time of purchase. This stock purchase plan is not considered a compensatory plan. Arrow maintains an employee stock ownership plan (“ESOP”). Substantially all employees of Arrow and its subsidiaries are eligible to participate upon satisfaction of applicable service requirements. The ESOP borrowed funds from one of Arrow’s subsidiary banks to purchase outstanding shares of Arrow’s common stock. The notes require annual payments of principal and interest through 2019. As the debt is repaid, shares are released from collateral based on the proportion of debt paid to total debt outstanding for the year and allocated to active employees. In addition, the Company makes additional cash contributions to the Plan each year. Securities Sold Under Agreements to Repurchase - In securities repurchase agreements, Arrow receives cash from a counterparty in exchange for the transfer of securities to a third party custodian’s account that explicitly recognizes Arrow’s interest in the securities. These agreements are accounted for by Arrow as secured financing transactions, since it maintains effective control over the transferred securities, and meets other criteria for such accounting. Accordingly, the cash proceeds are recorded as borrowed funds, and the underlying securities continue to be carried in Arrow’s securities available-for-sale portfolio. Earnings Per Share (“EPS”) - Basic EPS excludes dilution and is computed by dividing income available to common stockholders by the weighted average number of common shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity (such as Arrow’s stock options), computed using the treasury stock method. Unallocated common shares held by Arrow’s Employee Stock Ownership Plan are not included in the weighted average number of common shares outstanding for either the basic or diluted EPS calculation. Financial Instruments - Arrow is party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Commitments to extend credit include home equity lines of credit, commitments for residential and commercial construction loans and other personal and commercial lines of credit. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The contract or notional amounts of those instruments reflect the extent of the involvement Arrow has in particular classes of financial instruments. Arrow's policy is to record such instruments when funded. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time Arrow's entire holdings of a particular financial instrument. Because no market exists for a significant portion of Arrow's financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. For example, Arrow has a wealth management department that contributes net fee income annually. The value of the wealth management department customer relationships is not considered a financial instrument of the Company, and therefore this value has not been incorporated into the fair value estimates. Other significant assets and liabilities that are not considered financial assets or liabilities include deferred taxes, premises and equipment, the value of low-cost, long-term core deposits and goodwill. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the estimates. The fair value for loans is disclosed using the "exit price" notion which is a reasonable estimate of what another party might pay in an orderly transaction. Fair values for loans are calculated for portfolios of loans with similar financial characteristics. Loans are segregated by type such as commercial, commercial real estate, residential mortgage, indirect auto and other consumer loans. Each loan category is further segmented into fixed and adjustable interest rate terms and by performing and nonperforming categories. The fair value of performing loans is calculated by determining the estimated future cash flow, which is the contractual cash flow adjusted for estimated prepayments. The discount rate is determined by starting with current market yields, and first adjusting for a liquidity premium. This premium is separately determined for residential real estate loans vs. other loans. Then a credit loss component is determined utilizing the credit loss assumptions used in the allowance for loan and lease loss model. Finally, a discount spread is applied separately for consumer loans vs. commercial loans based on market information and utilization of the Swap Curve. Fair value for nonperforming loans is generally based on recent external appraisals. If appraisals are not available, estimated cash flows are discounted using a rate commensurate with the risk associated with the estimated cash flows. Assumptions regarding credit risk, cash flows and discount rates are judgmentally determined using available market information and specific borrower information. The carrying amount of the following short-term assets and liabilities is a reasonable estimate of fair value: cash and due from banks, federal funds sold and purchased, securities sold under agreements to repurchase, demand deposits, savings, N.O.W. and money market deposits, other short-term borrowings, accrued interest receivable and accrued interest payable. The fair value estimates of other on- and off-balance sheet financial instruments, as well as the method of arriving at fair value estimates, are included in the related footnotes and summarized in Note 17. Fair Value Measures - We determine the fair value of financial instruments under the following hierarchy: • Level 1 – Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities; • Level 2 – Quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets

Cash and Cash Equivalents

Cash and Cash Equivalents	12 Months Ended
	Dec. 31, 2018
Cash and Cash Equivalents [Abstract]
Cash and Cash Equivalents	CASH AND CASH EQUIVALENTS (Dollars In Thousands) (at December 31, 2018 and 2017 ) 2018 2017 Cash and Due From Banks $ 56,529 $ 42,562 Interest-Bearing Deposits at Banks 27,710 30,276 Total Cash and Cash Equivalents $ 84,239 $ 72,838 Supplemental Information: Total required reserves, including vault cash and Federal Reserve Bank deposits $ 40,677 $ 30,771 The Company is required to maintain reserve balances with the Federal Reserve Bank of New York. The required reserve is calculated on a fourteen day average and the amounts presented in the table above represent the average for the period that includes December 31.

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Investment Securities	INVESTMENT SECURITIES (Dollars In Thousands) The following table is the schedule of Available-For-Sale Securities at December 31, 2018 and 2017 : Available-For-Sale Securities U.S. Government & Agency Obligations State and Municipal Obligations Mortgage- Backed Securities Corporate and Other Debt Securities Total Available- For-Sale Securities December 31, 2018 Available-For-Sale Securities, at Amortized Cost $ 47,071 $ 1,193 $ 273,227 $ 1,000 $ 322,491 Available-For-Sale Securities, at Fair Value 46,765 1,195 268,775 800 317,535 Gross Unrealized Gains — 2 288 — 290 Gross Unrealized Losses 306 — 4,740 200 5,246 Available-For-Sale Securities, Pledged as Collateral, at Fair Value 236,163 Maturities of Debt Securities, at Amortized Cost: Within One Year 42,068 201 738 — 43,007 From 1 - 5 Years 5,003 512 145,554 — 151,069 From 5 - 10 Years — — 106,777 — 106,777 Over 10 Years — 480 20,158 1,000 21,638 Maturities of Debt Securities, at Fair Value: Within One Year 41,864 204 743 — 42,811 From 1 - 5 Years 4,901 511 142,091 — 147,503 From 5 - 10 Years — — 105,902 — 105,902 Over 10 Years — 480 20,039 800 21,319 Securities in a Continuous Loss Position, at Fair Value: Less than 12 Months $ — $ — $ 107,550 $ — $ 107,550 12 Months or Longer 46,765 — 124,627 800 172,192 Total $ 46,765 $ — $ 232,177 $ 800 $ 279,742 Number of Securities in a Continuous Loss Position 10 — 86 1 97 Unrealized Losses on Securities in a Continuous Loss Position: Less than 12 Months $ — $ — $ 841 $ — $ 841 12 Months or Longer 306 — 3,899 200 4,405 Total $ 306 $ — $ 4,740 $ 200 $ 5,246 Disaggregated Details: US Treasury Obligations, at Amortized Cost $ — US Treasury Obligations, — US Agency Obligations, 47,071 US Agency Obligations, 46,765 US Government Agency Securities, at Amortized Cost $ 72,095 US Government Agency Securities, at Fair Value 71,800 Government Sponsored Entity Securities, at Amortized Cost 201,132 Government Sponsored Entity 196,975 Available-For-Sale Securities U.S. Government & Agency Obligations State and Municipal Obligations Mortgage- Backed Securities Corporate and Other Debt Securities Mutual Funds and Equity Securities Total Available- For-Sale Securities December 31, 2017 Available-For-Sale Securities, at Amortized Cost $ 60,328 $ 10,351 $ 229,077 $ 1,000 $ 1,120 $ 301,876 Available-For-Sale Securities, at Fair Value 59,894 10,349 227,596 800 1,561 300,200 Gross Unrealized Gains — 9 485 — 441 935 Gross Unrealized Losses 434 11 1,966 200 — 2,611 Available-For-Sale Securities, Pledged as Collateral, at Fair Value 183,052 Securities in a Continuous Loss Position, at Fair Value: Less than 12 Months $ 20,348 $ 8,498 $ 70,930 $ — $ — $ 99,776 12 Months or Longer 39,546 — 80,759 800 — 121,105 Total $ 59,894 $ 8,498 $ 151,689 $ 800 $ — $ 220,881 Number of Securities in a Continuous Loss Position 14 36 55 1 — 106 Unrealized Losses on Securities in a Continuous Loss Position: Less than 12 Months $ 172 $ 11 $ 363 $ — $ — $ 546 12 Months or Longer 262 — 1,603 200 — 2,065 Total $ 434 $ 11 $ 1,966 $ 200 $ — $ 2,611 Disaggregated Details: US Treasury Obligations, $ — US Treasury Obligations, — US Agency Obligations, 60,328 US Agency Obligations, 59,894 US Government Agency $ 40,832 US Government Agency 40,832 Government Sponsored Entity 188,245 Government Sponsored Entity 186,764 The following table is the schedule of Held-To-Maturity Securities at December 31, 2018 and 2017 : Held-To-Maturity Securities State and Municipal Obligations Mortgage- Backed Securities Total Held-To Maturity Securities December 31, 2018 Held-To-Maturity Securities, at Amortized Cost $ 235,782 $ 47,694 $ 283,476 Held-To-Maturity Securities, at Fair Value 233,359 46,979 280,338 Gross Unrealized Gains 486 — 486 Gross Unrealized Losses 2,909 715 3,624 Held-To-Maturity Securities, Pledged as Collateral, at Fair Value 266,341 Maturities of Debt Securities, at Amortized Cost: Within One Year 27,426 — 27,426 From 1 - 5 Years 93,495 47,694 141,189 From 5 - 10 Years 112,499 — 112,499 Over 10 Years 2,362 — 2,362 Maturities of Debt Securities, at Fair Value: Within One Year 27,464 — 27,464 From 1 - 5 Years 93,130 46,979 140,109 From 5 - 10 Years 110,396 — 110,396 Over 10 Years 2,369 — 2,369 Securities in a Continuous Loss Position, at Fair Value: Less than 12 Months $ 32,093 $ 33,309 $ 65,402 12 Months or Longer 110,947 13,670 124,617 Total $ 143,040 $ 46,979 $ 190,019 Number of Securities in a Continuous Loss Position 411 47 458 Unrealized Losses on Securities in a Continuous Loss Position: Less than 12 Months $ 162 $ 456 $ 618 12 Months or Longer 2,747 259 3,006 Total $ 2,909 $ 715 $ 3,624 Disaggregated Details: US Government Agency $ 2,180 US Government Agency 2,143 Government Sponsored Entity 45,514 Government Sponsored Entity 44,836 Held-To-Maturity Securities State and Municipal Obligations Mortgage- Backed Securities Total Held-To Maturity Securities December 31, 2017 Held-To-Maturity Securities, at Amortized Cost $ 275,530 $ 60,377 $ 335,907 Held-To-Maturity Securities, at Fair Value 275,353 60,548 335,901 Gross Unrealized Gains 1,691 269 1,960 Gross Unrealized Losses 1,868 98 1,966 Held-To-Maturity Securities, Pledged as Collateral, at Fair Value 318,622 Securities in a Continuous Loss Position, at Fair Value: Less than 12 Months $ 55,648 $ 13,764 $ 69,412 12 Months or Longer 65,152 3,257 68,409 Total $ 120,800 $ 17,021 $ 137,821 Number of Securities in a Continuous Loss Position 352 14 366 Unrealized Losses on Securities in a Continuous Loss Position: Less than 12 Months $ 442 $ 56 $ 498 12 Months or Longer 1,425 43 1,468 Total $ 1,867 $ 99 $ 1,966 Disaggregated Details: US Government Agency $ 2,680 US Government Agency 2,661 Government Sponsored Entity 57,697 Government Sponsored Entity 57,887 In the tables above, maturities of mortgage-backed securities are included based on their expected average lives. Actual maturities will differ because issuers may have the right to call or prepay obligations with or without prepayment penalties. Securities in a continuous loss position, in the tables above for December 31, 2018 and December 31, 2017 do not reflect any deterioration of the credit worthiness of the issuing entities. U.S. agency issues, including mortgage-backed securities, are all rated AAA by Moody's and AA+ by Standard and Poor's. The state and municipal obligations are general obligations supported by the general taxing authority of the issuer, and in some cases are insured. Obligations issued by school districts are supported by state aid. For any non-rated municipal securities, credit analysis is performed in-house based upon data that has been submitted by the issuers to the NY State Comptroller. That analysis shows no deterioration in the credit worthiness of the municipalities. Subsequent to December 31, 2018 , there were no securities downgraded below investment grade. The unrealized losses on these temporarily impaired securities are primarily the result of changes in interest rates for fixed rate securities where the interest rate received is less than the current rate available for new offerings of similar securities, changes in market spreads as a result of shifts in supply and demand, and/or changes in the level of prepayments for mortgage related securities. Because we do not currently intend to sell any of our temporarily impaired securities, and because it is not more likely-than-not we would be required to sell the securities prior to recovery, the impairment is considered temporary. Pledged securities, in the tables above, are primarily used to collateralize state and municipal deposits, as required under New York State law. A small portion of the pledged securities are used to collateralize repurchase agreements and pooled deposits of our trust customers. The following table is the schedule of Equity Securities at December 31, 2018 . Upon the adoption of ASU 2016-01 effective January 1, 2018, Equity Securities are not included in Securities Available-For-Sale since unrealized gains and losses are now recorded in the Consolidated Statements of Income. Prior to January 1, 2018, Equity Securities were included in Securities Available-For-Sale. Equity Securities December 31, 2018 Equity Securities, at Fair Value $ 1,774 The following is a summary of realized and unrealized gains and losses recognized in net income on equity securities during the year ended December 31, 2018 : Twelve months ended December 31, 2018 Net Gain on Equity Securities $ 213 Less: Net gain (loss) recognized during the reporting period on equity securities sold during the period — Unrealized net gain recognized during the reporting period on equity securities still held at the reporting date $ 213 Schedule of Federal Reserve Bank and Federal Home Loan Bank Stock (at cost) December 31, 2018 2017 Federal Reserve Bank Stock $ 1,132 $ 1,120 Federal Home Loan Bank Stock 14,374 8,829 Total Federal Reserve Bank and Federal Home Loan Bank Stock $ 15,506 $ 9,949

Loans

Loans	12 Months Ended
	Dec. 31, 2018
Loans and Leases Receivable Disclosure [Abstract]
Loans	LOANS (Dollars In Thousands) Loan Categories and Past Due Loans The following table presents loan balances outstanding as of December 31, 2018 and December 31, 2017 and an analysis of the recorded investment in loans that are past due at these dates. Generally, Arrow considers a loan past due 30 or more days if the borrower is two or more payments past due. Schedule of Past Due Loans by Loan Category Commercial Commercial Real Estate Consumer Residential Total December 31, 2018 Loans Past Due 30-59 Days $ 121 $ 108 $ 5,369 $ 281 $ 5,879 Loans Past Due 60-89 Days 49 — 2,136 1,908 4,093 Loans Past Due 90 or More Days — 789 572 1,844 3,205 Total Loans Past Due 170 897 8,077 4,033 13,177 Current Loans 136,720 483,665 711,433 851,220 2,183,038 Total Loans $ 136,890 $ 484,562 $ 719,510 $ 855,253 $ 2,196,215 Loans 90 or More Days Past Due and Still Accruing Interest $ — $ — $ 144 $ 1,081 $ 1,225 Nonaccrual Loans 403 789 658 2,309 4,159 December 31, 2017 Loans Past Due 30-59 Days $ 139 $ — $ 5,891 $ 2,094 $ 8,124 Loans Past Due 60-89 Days 19 — 1,215 509 1,743 Loans Past Due 90 or more Days 99 807 513 1,422 2,841 Total Loans Past Due 257 807 7,619 4,025 12,708 Current Loans 128,992 443,441 595,208 770,421 1,938,062 Total Loans $ 129,249 $ 444,248 $ 602,827 $ 774,446 $ 1,950,770 Loans 90 or More Days Past Due and Still Accruing Interest $ — $ — $ 6 $ 313 $ 319 Nonaccrual Loans $ 588 $ 1,530 $ 653 $ 2,755 $ 5,526 The Company disaggregates its loan portfolio into the following four categories: Commercial - The Company offers a variety of loan options to meet the specific needs of our commercial customers including term loans, time notes and lines of credit. Such loans are made available to businesses for working capital needs such as inventory and receivables, business expansion and equipment purchases. Generally, a collateral lien is placed on equipment or other assets owned by the borrower. These loans carry a higher risk than commercial real estate loans due to the nature of the underlying collateral, which can be business assets such as equipment and accounts receivable and generally have a lower liquidation value than real estate. In the event of default by the borrower, the Company may be required to liquidate collateral at deeply discounted values. To reduce the risk, management usually obtains personal guarantees of the borrowers. Commercial Real Estate - The Company offers commercial real estate loans to finance real estate purchases, refinancings, expansions and improvements to commercial properties. Commercial real estate loans are made to finance the purchases of real property which generally consists of real estate with completed structures. These commercial real estate loans are secured by first liens on the real estate, which may include apartments, commercial structures, housing businesses, healthcare facilities, and both owner and non owner-occupied facilities. These loans are typically less risky than commercial loans, since they are secured by real estate and buildings, and are generally originated in amounts of no more than 80% of the appraised value of the property. However, the Company also offers commercial construction and land development loans to finance projects, primarily within the communities that we serve. Many projects will ultimately be used by the borrowers' businesses, while others are developed for resale. These real estate loans are also secured by first liens on the real estate, which may include apartments, commercial structures, housing business, healthcare facilities and both owner-occupied and non-owner-occupied facilities. There is enhanced risk during the construction period, since the loan is secured by an incomplete project. Consumer Loans - The Company offers a variety of consumer installment loans to finance personal expenditures. Most of these loans carry a fixed rate of interest with principal repayment terms typically ranging from one to five years, based upon the nature of the collateral and the size of the loan. In addition to installment loans, the Company also offers personal lines of credit and overdraft protection. Several loans are unsecured, which carry a higher risk of loss. Also included in this category are automobile loans. The Company primarily finances the purchases of automobiles indirectly through dealer relationships located throughout upstate New York and Vermont. Most of these loans carry a fixed rate of interest with principal repayment terms typically ranging from three to seven years. Indirect consumer loans are underwritten on a secured basis using the underlying collateral being financed. Residential - Residential real estate loans consist primarily of loans secured by first or second mortgages on primary residences. We originate adjustable-rate and fixed-rate one-to-four-family residential real estate loans for the construction, purchase or refinancing of an existing mortgage. These loans are collateralized primarily by owner-occupied properties generally located in the Company’s market area. Loans on one-to-four-family residential real estate are generally originated in amounts of no more than 80% of the purchase price or appraised value (whichever is lower), or have private mortgage insurance. The Company’s underwriting analysis for residential mortgage loans typically includes credit verification, independent appraisals, and a review of the borrower’s financial condition. Mortgage title insurance and hazard insurance are normally required. It is our general practice to underwrite our residential real estate loans to secondary market standards. Construction loans have a unique risk, because they are secured by an incomplete dwelling. This risk is reduced through periodic site inspections, including one at each loan draw period. In addition, the Company offers fixed home equity loans as well as home equity lines of credit to consumers to finance home improvements, debt consolidation, education and other uses. Our policy allows for a maximum loan to value ratio of 80%, although periodically higher advances are allowed. The Company originates home equity lines of credit and second mortgage loans (loans secured by a second junior lien position on one-to-four-family residential real estate). Risk is generally reduced through underwriting criteria, which include credit verification, appraisals, a review of the borrower's financial condition, and personal cash flows. A security interest, with title insurance when necessary, is taken in the underlying real estate. Schedule of Supplemental Loan Information 2018 2017 Supplemental Information : Unamortized deferred loan origination costs, net of deferred loan origination fees, included in the above balances $ 4,494 $ 4,055 Overdrawn deposit accounts, included in the above balances 572 473 Pledged loans secured by one-to-four family residential mortgages under a blanket collateral agreement to secure borrowings from the Federal Home Loan Bank of New York 550,750 511,301 Residential real estate loans serviced for Freddie Mac, not included in the balances above 133,747 149,377 Loans held for sale at period-end, included in the above balances 215 327 Allowance for Loan Losses The following table presents a roll forward of the allowance for loan losses and other information pertaining to the allowance for loan losses: Allowance for Loan Losses Commercial Commercial Real Estate Consumer Residential Unallocated Total Rollfoward of the Allowance for Loan Losses for the Year Ended: December 31, 2017 $ 1,873 $ 4,504 $ 7,604 $ 4,605 $ — $ 18,586 Charge-offs (153 ) (17 ) (1,246 ) (116 ) — (1,532 ) Recoveries 3 12 520 — — 535 Provision (505 ) 1,145 2,004 (37 ) — 2,607 December 31, 2018 $ 1,218 $ 5,644 $ 8,882 $ 4,452 $ — $ 20,196 December 31, 2016 $ 1,017 $ 5,677 $ 6,120 $ 4,198 $ — $ 17,012 Charge-offs (2 ) (380 ) (1,101 ) (76 ) — (1,559 ) Recoveries 9 — 388 — — 397 Provision 849 (793 ) 2,197 483 — 2,736 December 31, 2017 $ 1,873 $ 4,504 $ 7,604 $ 4,605 $ — $ 18,586 Allowance for Loan Losses Commercial Commercial Real Estate Consumer Residential Unallocated Total December 31, 2015 $ 1,827 $ 4,520 $ 5,554 $ 3,790 $ 347 $ 16,038 Charge-offs (97 ) (195 ) (871 ) (107 ) — (1,270 ) Recoveries 23 — 182 6 — 211 Provision (736 ) 1,352 1,255 509 (347 ) 2,033 December 31, 2016 $ 1,017 $ 5,677 $ 6,120 $ 4,198 $ — $ 17,012 December 31, 2018 Allowance for loan losses - Loans Individually Evaluated for Impairment $ — $ — $ — $ 4 $ — $ 4 Allowance for loan losses - Loans Collectively Evaluated for Impairment $ 1,218 $ 5,644 $ 8,882 $ 4,448 $ — $ 20,192 Ending Loan Balance - Individually Evaluated for Impairment $ 430 $ 793 $ 101 $ 1,899 $ — $ 3,223 Ending Loan Balance - Collectively Evaluated for Impairment $ 136,460 $ 483,769 $ 719,409 $ 853,354 $ — $ 2,192,992 December 31, 2017 Allowance for loan losses - Loans Individually Evaluated for Impairment $ 94 $ 2 $ — $ 10 $ — $ 106 Allowance for loan losses - Loans Collectively Evaluated for Impairment $ 1,779 $ 4,502 $ 7,604 $ 4,595 $ — $ 18,480 Ending Loan Balance - Individually Evaluated for Impairment $ 489 $ 1,537 $ 95 $ 1,562 $ — $ 3,683 Ending Loan Balance - Collectively Evaluated for Impairment $ 128,760 $ 442,711 $ 602,732 $ 772,884 $ — $ 1,947,087 Through the provision for loan losses, an allowance for loan losses is maintained that reflects our best estimate of the inherent risk of loss in the Company’s loan portfolio as of the balance sheet date. Additions are made to the allowance for loan losses through a periodic provision for loan losses. Actual loan losses are charged against the allowance for loan losses when loans are deemed uncollectible and recoveries of amounts previously charged off are recorded as credits to the allowance for loan losses. Our loan officers and risk managers meet at least quarterly to discuss and review the conditions and risks associated with certain criticized and classified commercial-related relationships. In addition, our independent internal loan review department performs periodic reviews of the credit quality indicators on individual loans in our commercial loan portfolio. We use a two-step process to determine the provision for loan losses and the amount of the allowance for loan losses. We measure impairment on our impaired loans on a quarterly basis. Our impaired loans are generally nonaccrual loans over $250 thousand and all troubled debt restructured loans. Our impaired loans are generally considered to be collateral dependent with the specific reserve, if any, determined based on the value of the collateral less estimated costs to sell. The remainder of the portfolio is evaluated on a pooled basis, as described below. For each homogeneous loan pool, we estimate a total loss factor based on the historical net loss rates adjusted for applicable qualitative factors. We update the total loss factors assigned to each loan category on a quarterly basis. For the commercial, commercial construction, and commercial real estate categories, we further segregate the loan categories by credit risk profile (pools of loans graded pass, special mention and accruing substandard). Additional description of the credit risk classifications is detailed in the Credit Quality Indicators section of this note. We determine the historical net loss rate for each loan category using a trailing three-year net charge-off average. While historical net loss experience provides a reasonable starting point for our analysis, historical net losses, or even recent trends in net losses, do not by themselves form a sufficient basis to determine the appropriate level of the allowance for loan losses. Therefore, we also consider and adjust historical net loss factors for qualitative factors that impact the inherent risk of loss associated with our loan categories within our total loan portfolio. These include: • Changes in the volume and severity of past due, nonaccrual and adversely classified loans • Changes in the nature and volume of the portfolio and in the terms of loans • Changes in the value of the underlying collateral for collateral dependent loans • Changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not considered elsewhere in estimating credit losses • Changes in the quality of the loan review system • Changes in the experience, ability, and depth of lending management and other relevant staff • Changes in international, national, regional, and local economic and business conditions and developments that affect the collectability of the portfolio • The existence and effect of any concentrations of credit, and changes in the level of such concentrations • The effect of other external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in the existing portfolio or pool While not a significant part of the allowance for loan losses methodology, we also maintain an unallocated portion of the total allowance for loan losses related to the overall level of imprecision inherent in the estimation of the appropriate level of allowance for loan losses. Loan Credit Quality Indicators The following table presents the credit quality indicators by loan category at December 31, 2018 and December 31, 2017 : Loan Credit Quality Indicators Commercial Commercial Real Estate Consumer Residential Total December 31, 2018 Credit Risk Profile by Creditworthiness Category: Satisfactory $ 129,584 $ 456,868 $ 586,452 Special Mention — — — Substandard 7,306 26,905 34,211 Doubtful — 789 789 Credit Risk Profile Based on Payment Activity: Performing $ 718,708 $ 851,863 1,570,571 Nonperforming 802 3,390 4,192 December 31, 2017 Credit Risk Profile by Creditworthiness Category: Satisfactory $ 124,961 $ 417,362 $ 542,323 Special Mention 1,341 177 1,518 Substandard 2,947 25,902 28,849 Doubtful — 807 807 Credit Risk Profile Based on Payment Activity: Performing $ 602,168 $ 771,584 1,373,752 Nonperforming 659 3,068 3,727 For the purposes of the table above, nonperforming automobile, residential and other consumer loans are those loans on nonaccrual status or are 90 days or more past due and still accruing interest. For the allowance calculation, we use an internally developed system of five credit quality indicators to rate the credit worthiness of each commercial loan defined as follows: 1) Satisfactory - "Satisfactory" borrowers have acceptable financial condition with satisfactory record of earnings and sufficient historical and projected cash flow to service the debt. Borrowers have satisfactory repayment histories and primary and secondary sources of repayment can be clearly identified; 2) Special Mention - Loans in this category have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution’s credit position at some future date. "Special mention" assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. Loans which might be assigned this credit quality indicator include loans to borrowers with deteriorating financial strength and/or earnings record and loans with potential for problems due to weakening economic or market conditions; 3) Substandard - Loans classified as “substandard” are inadequately protected by the current sound net worth or paying capacity of the borrower or the collateral pledged, if any. Loans in this category have well defined weaknesses that jeopardize the repayment. They are characterized by the distinct possibility that the bank will sustain some loss if the deficiencies are not corrected. “Substandard” loans may include loans which are likely to require liquidation of collateral to effect repayment, and other loans where character or ability to repay has become suspect. Loss potential, while existing in the aggregate amount of substandard assets, does not have to exist in individual assets classified substandard; 4) Doubtful - Loans classified as “doubtful” have all of the weaknesses inherent in those classified as “substandard” with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of current existing facts, conditions, and values highly questionable and improbable. Although possibility of loss is extremely high, classification of these loans as “loss” has been deferred due to specific pending factors or events which may strengthen the value (i.e. possibility of additional collateral, injection of capital, collateral liquidation, debt restructure, economic recovery, etc). Loans classified as “doubtful” need to be placed on non-accrual; and 5) Loss - Loans classified as “loss” are considered uncollectible and of such little value that their continuance as bankable assets is not warranted. As of the date of the balance sheet, all loans in this category have been charged-off to the allowance for loan losses. Commercial loans are generally evaluated on an annual basis depending on the size and complexity of the loan relationship, unless the credit related quality indicator falls to a level of "special mention" or below, when the loan is evaluated quarterly. The credit quality indicator is one of the factors used in assessing the level of inherent risk of loss in our commercial related loan portfolios. Impaired Loans The following table presents information on impaired loans based on whether the impaired loan has a recorded allowance or no recorded allowance: Impaired Loans Commercial Commercial Real Estate Consumer Residential Total December 31, 2018 Recorded Investment: With No Related Allowance $ 430 $ 793 $ 101 $ 1,605 $ 2,929 With a Related Allowance — — — 294 294 Unpaid Principal Balance: With No Related Allowance $ 429 $ 793 $ 100 $ 1,606 $ 2,928 With a Related Allowance — — — 293 293 December 31, 2017 Recorded Investment: With No Related Allowance $ — $ 781 $ 94 $ 1,269 $ 2,144 With a Related Allowance 485 725 — 333 1,543 Unpaid Principal Balance: With No Related Allowance $ — $ 816 $ 95 $ 1,274 $ 2,185 With a Related Allowance 489 721 — 288 1,498 For the Year-To-Date Period Ended: December 31, 2018 Average Recorded Balance: With No Related Allowance $ 215 $ 787 $ 98 $ 1,437 $ 2,537 With a Related Allowance 243 363 — 314 920 Interest Income Recognized: With No Related Allowance $ — $ — $ 1 $ 18 $ 19 With a Related Allowance — — — — — Cash Basis Income: With No Related Allowance $ — $ — $ — $ — $ — With a Related Allowance — — — — — December 31, 2017 Average Recorded Balance: With No Related Allowance $ — $ 836 $ 93 $ 1,184 $ 2,113 With a Related Allowance 243 363 — 167 $ 773 Interest Income Recognized: With No Related Allowance $ — $ 34 $ — $ 23 $ 57 With a Related Allowance 1 2 — 23 26 Cash Basis Income: With No Related Allowance $ — $ — $ — $ — $ — With a Related Allowance — — — — — December 31, 2016 Average Recorded Balance: With No Related Allowance $ 78 $ 1,631 $ 103 $ 872 $ 2,684 With a Related Allowance — — — — $ — Interest Income Recognized: With No Related Allowance $ — $ 29 $ 6 $ 1 $ 36 With a Related Allowance — — — — — Cash Basis Income: With No Related Allowance $ — $ — $ — $ — $ — With a Related Allowance — — — — — At December 31, 2018 and December 31, 2017 , all impaired loans were considered to be collateral dependent and were therefore evaluated for impairment based on the fair value of collateral less estimated cost to sell. Interest income recognized in the table above, represents income earned after the loans became impaired and includes restructured loans in compliance with their modified terms and nonaccrual loans where we have recognized interest income on a cash basis. Loans Modified in Trouble Debt Restructurings The following table presents information on loans modified in trouble debt restructurings during the periods indicated: Loans Modified in Trouble Debt Restructurings During the Period Commercial Commercial Real Estate Consumer Residential Total For the Year Ended: December 31, 2018 Number of Loans 1 — 5 — 6 Pre-Modification Outstanding Recorded Investment $ 38 $ — $ 44 $ — $ 82 Post-Modification Outstanding Recorded Investment $ 38 $ — $ 44 $ — $ 82 Subsequent Default, Number of Contracts — — — — — Subsequent Default, Recorded Investment — — — — — Commitments to lend additional funds to modified loans — — — — — December 31, 2017 Number of Loans 1 1 6 — 8 Pre-Modification Outstanding Recorded Investment $ 503 $ 725 $ 51 $ — $ 1,279 Post-Modification Outstanding Recorded Investment $ 503 $ 725 $ 51 $ — $ 1,279 Subsequent Default, Number of Contracts — — — — — Subsequent Default, Recorded Investment — — — — — Commitments to lend additional funds to modified loans — — — — — December 31, 2016 Number of Loans — — 4 — 4 Pre-Modification Outstanding Recorded Investment $ — $ — $ 39 $ — $ 39 Post-Modification Outstanding Recorded Investment $ — $ — $ 39 $ — $ 39 Subsequent Default, Number of Contracts — — — — — Subsequent Default, Recorded Investment — — — — — Commitments to lend additional funds to modified loans — — — — — In general, loans requiring modification are restructured to accommodate the projected cash-flows of the borrower. Such modifications may involve a reduction of the interest rate, a significant deferral of payments or forgiveness of a portion of the outstanding principal balance. As indicated in the table above, no loans modified during the preceding twelve months subsequently defaulted as of December 31, 2018 or December 31, 2017 .

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2018
Property, Plant and Equipment [Abstract]
Premises and Equipment	PREMISES AND EQUIPMENT (Dollars In Thousands) A summary of premises and equipment at December 31, 2018 and 2017 is presented below: 2018 2017 Land and Bank Premises $ 35,010 $ 35,254 Equipment, Furniture and Fixtures 30,192 25,662 Leasehold Improvements 1,921 1,901 Total Cost 67,123 62,817 Accumulated Depreciation and Amortization (36,677 ) (35,198 ) Net Premises and Equipment $ 30,446 $ 27,619 Amounts charged to expense for depreciation totaled $ 1,891 , $ 1,921 and $ 1,928 in 2018 , 2017 and 2016 , respectively.

Other Intangible Assets

Other Intangible Assets	12 Months Ended
	Dec. 31, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
Other Intangible Assets	OTHER INTANGIBLE ASSETS (Dollars In Thousands) The following table presents information on Arrow ’ s other intangible assets (other than goodwill) as of December 31, 2018 , 2017 and 2016 : Depositor Intangibles 1 Mortgage Servicing Rights 2 Customer Intangibles 1 Total Gross Carrying Amount, December 31, 2018 $ 2,247 $ 2,061 $ 4,382 $ 8,690 Accumulated Amortization (2,247 ) (1,799 ) (2,792 ) (6,838 ) Net Carrying Amount, December 31, 2018 $ — $ 262 $ 1,590 $ 1,852 Gross Carrying Amount, December 31, 2017 $ 2,247 $ 2,061 $ 4,382 $ 8,690 Accumulated Amortization (2,247 ) (1,624 ) (2,530 ) (6,401 ) Net Carrying Amount, December 31, 2017 $ — $ 437 $ 1,852 $ 2,289 Rollforward of Intangible Assets: Balance, December 31, 2015 $ — $ 679 $ 2,428 $ 3,107 Intangible Assets Acquired — 146 — 146 Intangible Assets Disposed — — — — Amortization of Intangible Assets — (260 ) (297 ) (557 ) Balance, December 31, 2016 — 565 2,131 2,696 Intangible Assets Acquired — 93 — 93 Intangible Assets Disposed — — — — Amortization of Intangible Assets — (221 ) (279 ) (500 ) Balance, December 31, 2017 — 437 1,852 2,289 Intangible Assets Acquired — — — — Intangible Assets Disposed — — — — Amortization of Intangible Assets — (175 ) (262 ) (437 ) Balance, December 31, 2018 $ — $ 262 $ 1,590 $ 1,852 1 Amortization of depositor intangibles and customer intangibles are reported in the Consolidated Statements of Income as a component of other operating expense. 2 Amortization of mortgage servicing rights is reported in the Consolidated Statements of Income as a reduction of mortgage servicing fee income, which is included with fees for other services to customers. The following table presents the remaining estimated annual amortization expense for Arrow's intangible assets as of December 31, 2018 : Mortgage Servicing Rights Customer Intangibles Total Estimated Annual Amortization Expense: 2019 $ 103 $ 245 $ 348 2020 71 227 298 2021 50 210 260 2022 29 193 222 2023 9 176 185 2024 and beyond — 539 539 Total $ 262 $ 1,590 $ 1,852

Guarantees

Guarantees	12 Months Ended
	Dec. 31, 2018
Guarantees [Abstract]
Guarantees	GUARANTEES (Dollars In Thousands) The following table presents the notional amount and fair value of Arrow's off-balance sheet commitments to extend credit and commitments under standby letters of credit as of December 31, 2018 and 2017 : Balance at December 31, 2018 2017 Notional Amount: Commitments to Extend Credit $ 321,143 $ 315,256 Standby Letters of Credit 4,466 3,526 Fair Value: Commitments to Extend Credit $ — $ — Standby Letters of Credit 12 23 Arrow is party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Commitments to extend credit include home equity lines of credit, commitments for residential and commercial construction loans and other personal and commercial lines of credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The contract or notional amounts of those instruments reflect the extent of the involvement Arrow has in particular classes of financial instruments. Arrow's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual notional amount of those instruments. Arrow uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Arrow evaluates each customer's creditworthiness on a case-by-case basis. Home equity lines of credit are secured by residential real estate. Construction lines of credit are secured by underlying real estate. For other lines of credit, the amount of collateral obtained, if deemed necessary by Arrow upon extension of credit, is based on management's credit evaluation of the counterparty. Collateral held varies, but may include accounts receivable, inventory, property, plant and equipment, and income-producing commercial properties. Most of the commitments are variable rate instruments. Arrow does not issue any guarantees that would require liability-recognition or disclosure, other than its standby letters of credit. Arrow has issued conditional commitments in the form of standby letters of credit to guarantee payment on behalf of a customer and guarantee the performance of a customer to a third party. Standby letters of credit generally arise in connection with lending relationships. The credit risk involved in issuing these instruments is essentially the same as that involved in extending loans to customers. Contingent obligations under standby letters of credit at December 31, 2018 and 2017 represent the maximum potential future payments Arrow could be required to make. Typically, these instruments have terms of 12 months or less and expire unused; therefore, the total amounts do not necessarily represent future cash requirements. Each customer is evaluated individually for creditworthiness under the same underwriting standards used for commitments to extend credit and on-balance sheet instruments. Company policies governing loan collateral apply to standby letters of credit at the time of credit extension. Loan-to-value ratios will generally range from 50% for movable assets, such as inventory, to 100% for liquid assets, such as bank CD's. Fees for standby letters of credit range from 1% to 3% of the notional amount. Fees are collected upfront and amortized over the life of the commitment. The carrying amount and fair value of Arrow's standby letters of credit at December 31, 2018 and 2017 were insignificant. The fair value of standby letters of credit is based on the fees currently charged for similar agreements or the cost to terminate the arrangement with the counterparties. The fair value of commitments to extend credit is determined by estimating the fees to enter into similar agreements, taking into account the remaining terms and present creditworthiness of the counterparties, and for fixed rate loan commitments, the difference between the current and committed interest rates. Arrow provides several types of commercial lines of credit and standby letters of credit to its commercial customers. The pricing of these services is not isolated as Arrow considers the customer's complete deposit and borrowing relationship in pricing individual products and services. The commitments to extend credit also include commitments under home equity lines of credit, for which Arrow charges no fee. The carrying value and fair value of commitments to extend credit are not material and Arrow does not expect to incur any material loss as a result of these commitments. In the normal course of business, Arrow and its subsidiary banks become involved in a variety of routine legal proceedings. At present, there are no legal proceedings pending or threatened, which in the opinion of management and counsel, would result in a material loss to Arrow.

Time Deposits

Time Deposits	12 Months Ended
	Dec. 31, 2018
Maturities of Time Deposits [Abstract]
Time Deposits	TIME DEPOSITS (Dollars In Thousands) The following summarizes the contractual maturities of time deposits during years subsequent to December 31, 2018 : Year of Maturity Total Time Deposits 2019 $ 168,464 2020 49,965 2021 18,989 2022 9,208 2023 4,713 2024 and beyond 12,648 Total $ 263,987

Debt

Debt	12 Months Ended
	Dec. 31, 2018
Debt Disclosure [Abstract]
Debt	DEBT (Dollars in Thousands) Schedule of Short-Term Borrowings: 2018 2017 Balances at December 31: Overnight Advances from the Federal Home Loan Bank of New York $ 234,000 $ 105,000 Securities Sold Under Agreements to Repurchase 54,659 64,966 Total Short-Term Borrowings $ 288,659 $ 169,966 Maximum Borrowing Capacity at December 31: Federal Funds Purchased $ 57,000 $ 35,000 Federal Home Loan Bank of New York 550,750 511,301 Federal Reserve Bank of New York 489,809 424,724 The securities sold under agreements to repurchase ("repo accounts") shown above represent collateralized borrowings with certain commercial customers located primarily within the Company's service area. All repo accounts at December 31, 2018 and 2017 have overnight maturities. Repo accounts are not covered by federal deposit insurance and are secured by our own qualified investment securities. The Company retains the right to substitute similar type securities and has the right to withdraw all excess collateral applicable to repo accounts whenever the collateral values are in excess of the related repurchase liabilities. However, as a means of mitigating market risk, the Company maintains excess collateral to cover normal changes in the repurchase liability by monitoring daily usage. At December 31, 2018 , there were no material amounts of securities at risk with any one customer. The Company maintains control of these securities through the use of third-party safekeeping arrangements. Investment securities with a fair value of $65.5 million and $66.6 million were pledged as collateral for the securities sold under agreements to repurchase at December 31, 2018 and 2017 , respectively, and are presented in the table below: 2018 2017 Balances at December 31: U.S. Government & Agency Obligations $ 22,314 $ 37,329 Mortgage-Backed Securities 43,155 29,284 Total Pledged Collateral for Repo Accounts $ 65,469 $ 66,613 Arrow's subsidiary banks have in place unsecured federal funds lines of credit with three correspondent banks. As a member of the FHLBNY, we participate in the advance program which allows for overnight and term advances up to the limit of pledged collateral, including FHLBNY stock, residential real estate and home equity loans (see Note 4, " Investment Securities " and Note 5, " Loans "). Our investment in FHLBNY stock is proportional to the total of our overnight and term advances (see the Schedule of Federal Reserve Bank and Federal Home Loan Bank Stock in Note 4, Investment Securities , to the notes to our Consolidated Financial Statements). Our bank subsidiaries have also established borrowing facilities with the Federal Reserve Bank of New York for potential “discount window” advances, pledging certain consumer loans as collateral (see Note 5, Loans , to the notes to our Consolidated Financial Statements). Long Term Debt - FHLBNY Term Advances In addition to overnight advances, Arrow also borrows longer-term funds from the FHLBNY. Maturity Schedule of FHLBNY Term Advances : Balances Weighted Average Rate Final Maturity 2018 2017 2018 2017 First Year $ 20,000 $ 10,000 1.70 % 1.50 % Second Year 25,000 20,000 2.02 % 1.70 % Third Year — 25,000 — % 2.02 % Fourth Year — — — % — % Fifth Year — — — % — % Total $ 45,000 $ 55,000 1.88 % 1.81 % Long Term Debt - Guaranteed Preferred Beneficial Interests in Corporation's Junior Subordinated Debentures During 2018 , there were outstanding two classes of financial instruments issued by two separate subsidiary business trusts of Arrow, identified as “Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts” on the Consolidated Balance Sheets and the Consolidated Statements of Income. The first of the two classes of trust-issued instruments outstanding at year-end was issued by Arrow Capital Statutory Trust II ("ACST II"), a Delaware business trust established on July 16, 2003, upon the filing of a certificate of trust with the Delaware Secretary of State. In July 2003, ACST II issued all of its voting (common) stock to Arrow and issued and sold to an unaffiliated purchaser 30-year guaranteed preferred beneficial interests in the trust's assets ("ACST II trust preferred securities"). The rate on the securities is variable, adjusting quarterly to the 3-month LIBOR plus 3.15% . ACST II used the proceeds of the sale of its trust preferred securities to purchase an identical amount of junior subordinated debentures issued by Arrow that bear an interest rate identical at all times to the rate payable on the ACST II trust preferred securities. The ACST II trust preferred securities became redeemable after July 23, 2008 and mature on July 23, 2033. The second of the two classes of trust-issued instruments outstanding at year-end was issued by Arrow Capital Statutory Trust III ("ACST III"), a Delaware business trust established on December 23, 2004, upon the filing of a certificate of trust with the Delaware Secretary of State. On December 28, 2004, the ACST III issued all of its voting (common) stock to Arrow and issued and sold to an unaffiliated purchaser 30-year guaranteed preferred beneficial interests in the trust's assets ("ACST III"). The rate on the ACST III trust preferred securities is a variable rate, adjusted quarterly, equal to the 3-month LIBOR plus 2.00% . ACST III used the proceeds of the sale of its trust preferred securities to purchase an identical amount of junior subordinated debentures issued by Arrow that bear an interest rate identical at all times to the rate payable on the ACST III trust preferred securities. The ACST III trust preferred securities became redeemable on or after March 31, 2010 and mature on December 28, 2034. The primary assets of the two subsidiary trusts having trust preferred securities outstanding at year-end, ACST II and ACST III (the “Trusts”), are Arrow's junior subordinated debentures discussed above, and the sole revenues of the Trusts are payments received by them from Arrow with respect to the junior subordinated debentures. The trust preferred securities issued by the Trusts are non-voting. All common voting securities of the Trusts are owned by Arrow. Arrow used the net proceeds from its sale of junior subordinated debentures to the Trusts, facilitated by the Trust’s sale of their trust preferred securities to the purchasers thereof, for general corporate purposes. The trust preferred securities and underlying junior subordinated debentures, with associated expense that is tax deductible, qualify as Tier I capital under regulatory definitions. Arrow's primary source of funds to pay interest on the debentures that are held by the Trusts are current dividends received by Arrow from its subsidiary banks. Accordingly, Arrow's ability to make payments on the debentures, and the ability of the Trusts to make payments on their trust preferred securities, are dependent upon the continuing ability of Arrow's subsidiary banks to pay dividends to Arrow. Since the trust preferred securities issued by the subsidiary trusts and the underlying junior subordinated debentures issued by Arrow at December 31, 2018 , 2017 and 2016 are classified as debt for financial statement purposes, the expense associated with these securities is recorded as interest expense in the Consolidated Statements of Income for the three years. Schedule of Guaranteed Preferred Beneficial Interests in Corporation's Junior Subordinated Debentures 2018 2017 ACST II Balance at December 31, $ 10,000 $ 10,000 Period-End Interest Rate 5.55 % 4.49 % ACST III Balance at December 31, $ 10,000 $ 10,000 Period-End Interest Rate 4.40 % 3.34 %

Comprehensive Income

Comprehensive Income	12 Months Ended
	Dec. 31, 2018
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Comprehensive Income	COMPREHENSIVE INCOME (Dollars In Thousands) The following table presents the components of other comprehensive income for the years ended December 31, 2018 , 2017 and 2016 : Schedule of Comprehensive Income Before-Tax Amount Tax Expense (Benefit) Net-of-Tax Amount 2018 Net Unrealized Securities Holding Losses Arising During the Period $ (2,839 ) $ 723 $ (2,116 ) Net Retirement Plan Loss (3,798 ) 965 (2,833 ) Net Retirement Plan Prior Service Credit (453 ) 115 (338 ) Amortization of Net Retirement Plan Actuarial Loss 325 (83 ) 242 Accretion of Net Retirement Plan Prior Service Credit 108 (28 ) 80 Other Comprehensive Income (Loss) $ (6,657 ) $ 1,692 $ (4,965 ) 2017 Net Unrealized Securities Holding Losses Arising During the Period $ (1,505 ) $ 565 $ (940 ) Reclassification Adjustment for Securities Losses Included in Net Income 448 (111 ) 337 Net Retirement Plan Loss 287 (73 ) 214 Amortization of Net Retirement Plan Actuarial Loss 411 (49 ) 362 Accretion of Net Retirement Plan Prior Service Credit (11 ) 3 (8 ) Other Comprehensive Income $ (370 ) $ 335 $ (35 ) 2016 Net Unrealized Securities Holding Losses Arising During the Period $ (1,672 ) $ 648 $ (1,024 ) Reclassification Adjustment for Securities Gains Included in Net Income 22 (9 ) 13 Net Retirement Plan Losses 3,017 (1,296 ) 1,721 Amortization of Net Retirement Plan Actuarial Loss 716 (281 ) 435 Accretion of Net Retirement Plan Prior Service Credit (12 ) 5 (7 ) Other Comprehensive Loss $ 2,071 $ (933 ) $ 1,138 The following table presents the changes in accumulated other comprehensive income by component: Changes in Accumulated Other Comprehensive Income (Loss) by Component (1) Unrealized Defined Benefit Plan Items Gains and Losses on Net Prior Available-for- Net Gain Service Sale Securities (Loss) (Cost ) Credit Total For the Year-To-Date periods ended: December 31, 2017 $ (1,250 ) $ (6,380 ) $ (884 ) $ (8,514 ) Other comprehensive loss before reclassifications (2,116 ) (2,833 ) (338 ) (5,287 ) Amounts reclassified from accumulated other comprehensive loss 242 80 322 Net current-period other comprehensive loss (2,116 ) (2,591 ) (258 ) (4,965 ) Amounts reclassified from accumulated other comprehensive loss (331 ) (331 ) December 31, 2018 $ (3,697 ) $ (8,971 ) $ (1,142 ) $ (13,810 ) December 31, 2016 $ (382 ) $ (5,737 ) $ (715 ) $ (6,834 ) Other comprehensive income (loss) before reclassifications (940 ) 214 — (726 ) Amounts reclassified from accumulated other comprehensive income (loss) 337 362 (8 ) 691 Net current-period other comprehensive income (603 ) 576 (8 ) (35 ) Reclassification due to the adoption of ASU No. 2018-02 $ (265 ) $ (1,219 ) $ (161 ) $ (1,645 ) December 31, 2017 $ (1,250 ) $ (6,380 ) $ (884 ) $ (8,514 ) December 31, 2015 $ 629 $ (7,893 ) $ (708 ) $ (7,972 ) Other comprehensive income (loss) before reclassifications (1,024 ) 1,721 — 697 Amounts reclassified from accumulated other comprehensive income (loss) 13 435 (7 ) 441 Net current-period other comprehensive income (loss) (1,011 ) 2,156 (7 ) 1,138 December 31, 2016 $ (382 ) $ (5,737 ) $ (715 ) $ (6,834 ) (1) All amounts are net of tax. Amounts in parentheses indicate debits. The following table presents the reclassifications out of accumulated other comprehensive income: Reclassifications Out of Accumulated Other Comprehensive Income (1) Amounts Reclassified Details about Accumulated Other from Accumulated Other Affected Line Item in the Statement Comprehensive Income Components Comprehensive Income Where Net Income Is Presented For the Year-to-date periods ended: December 31, 2018 Unrealized gains and losses on available-for-sale securities $ — Loss on Securities Transactions, Net — Total before tax — Provision for Income Taxes $ — Net of tax Amortization of defined benefit pension items Prior-service costs $ (108 ) (2) Salaries and Employee Benefits Actuarial gains/(losses) (325 ) (2) Salaries and Employee Benefits (433 ) Total before tax 111 Provision for Income Taxes $ (322 ) Net of tax Total reclassifications for the period $ (322 ) Net of tax December 31, 2017 Unrealized gains and losses on available-for-sale securities $ (448 ) Loss on Securities Transactions, Net (448 ) Total before tax 111 Provision for Income Taxes $ (337 ) Net of tax Amortization of defined benefit pension items Prior-service costs 11 (2) Salaries and Employee Benefits Actuarial gains/(losses) $ (411 ) (2) Salaries and Employee Benefits (400 ) Total before tax 46 Provision for Income Taxes $ (354 ) Net of tax Total reclassifications for the period $ (691 ) Net of tax Reclassifications Out of Accumulated Other Comprehensive Income (1) Amounts Reclassified Details about Accumulated Other from Accumulated Other Affected Line Item in the Statement Comprehensive Income Components Comprehensive Income Where Net Income Is Presented December 31, 2016 Unrealized gains and losses on available-for-sale securities $ (22 ) Gain on Securities Transactions, Net (22 ) Total before tax 9 Provision for Income Taxes $ (13 ) Net of tax Amortization of defined benefit pension items Prior-service costs 12 (2) Salaries and Employee Benefits Actuarial gains/(losses) $ (716 ) (2) Salaries and Employee Benefits (704 ) Total before tax 276 Provision for Income Taxes $ (428 ) Net of tax Total reclassifications for the period $ (441 ) Net of tax (1) Amounts in parentheses indicate debits to profit/loss. (2) These accumulated other comprehensive income components are included in the computation of net periodic pension cost (see pension footnote for additional details).

Stock Based Compensation

Stock Based Compensation	12 Months Ended
	Dec. 31, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Stock Based Compensation	STOCK BASED COMPENSATION (Dollars In Thousands, Except Share and Per Share Amounts) Arrow has established three stock-based compensation plans: an Incentive and Non-qualified Stock Option Plan (Long Term Incentive Plan), an Employee Stock Purchase Plan (ESPP) and an Employee Stock Ownership Plan (ESOP). All share and per share data have been adjusted for the September 27, 2018 3 % stock dividend. Long Term Incentive Plan The Long Term Incentive Plan provides for the grant of incentive stock options, non-qualified stock options, restricted stock, restricted stock units, performance units and performance shares. The Compensation Committee of the Board of Directors administers the Long Term Incentive Plan. Shares Available for Grant at Period-End 261,614 Stock Options - Options may be granted at a price no less than the greater of the par value or fair market value of such shares on the date on which such option is granted, and generally expire ten years from the date of grant. The options usually vest over a four -year period. The following table summarizes information about stock option activity for the year ended December 31, 2018 . Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at January 1, 2018 356,540 23.42 Granted 53,466 31.84 Exercised (107,818 ) 20.92 Forfeited (17,666 ) 27.06 Outstanding at December 31, 2018 284,522 25.67 5.44 1,807 Vested at Period-End 172,410 22.56 3.68 1,631 Expected to Vest 112,112 30.46 8.16 176 Schedule of Stock Options Granted Under the Long Term Incentive Plan by Exercise Price Range Exercise Price Ranges $17.48 $19.58 to $20.93 $21.50 to $21.99 $23.19 to $23.66 $31.84 $35.07 Total Outstanding at December 31, 2018 Number of Stock Options Outstanding 5,763 61,569 52,683 69,175 50,376 44,956 284,522 Weighted-Average Remaining Contractual Life (in years) 0.06 1.65 3.75 6.34 9.09 7.86 5.44 Weighted-Average Exercise Price 17.48 20.32 21.81 23.45 31.84 35.07 25.67 Vested at December 31, 2018 Number of Stock Options Outstanding 5,763 61,569 52,683 38,243 1,030 13,122 172,410 Weighted-Average Remaining Contractual Life (in years) 0.06 1.65 3.75 6.00 9.09 7.36 3.68 Weighted-Average Exercise Price 17.48 20.32 21.81 23.40 31.84 35.07 22.55 Schedule of Other Information on Stock Options Granted 2018 2017 2016 Stock Options Granted 53,466 57,290 60,101 Weighted Average Grant Date Information: Fair Value of Options Granted $ 5.59 $ 6.07 $ 5.28 Fair Value Assumptions: Dividend Yield 2.98 % 2.72 % 3.88 % Expected Volatility 21.55 % 21.40 % 32.95 % Risk Free Interest Rate 2.68 % 2.25 % 1.80 % Expected Lives (in years) 6.98 6.88 7.56 Amount Expensed During the Year $ 322 $ 351 $ 287 Compensation Costs for Non-vested Awards Not Yet Recognized 504 528 521 Weighted Average Expected Vesting Period, In Years 2.74 2.59 2.71 Proceeds From Stock Options Exercised 2,255 $ 1,190 $ 2,404 Tax Benefits Related to Stock Options Exercised 240 168 188 Intrinsic Value of Stock Options Exercised 1,552 825 1,010 Restricted Stock Units - The Company grants restricted stock units which gives the recipient the right to receive shares of Company stock upon vesting. The fair value of each restricted stock unit is the market value of Company stock on the date of grant. 100% of the restricted stock unit awards vest three years from the grant date. Once vested, the restricted stock units become vested units. Vested units settle upon retirement of the recipient. Unvested restricted stock unit awards will generally be forfeited if the recipient ceases to be employed by the Company, with limited exceptions. The following table summarizes information about restricted stock unit activity for the year ended December 31, 2018 which was the first year the company has granted restricted stock units. Restricted Stock Units Weighted Average Grant Date Fair Value Non-vested at January 1, 2018 — $ — Granted 3,377 $ 32.57 Vested — $ — Canceled — $ — Non-vested at December 31, 2018 3,377 $ 32.57 The following table presents information on the amounts expensed related to Restricted Stock Units awarded pursuant to the Long Term Incentive Plan for the year ended December 31, 2018 . 2018 Amount Expensed During the Year 34 Compensation Costs for Non-vested Awards Not Yet Recognized 76 Employee Stock Purchase Plan Arrow sponsors an ESPP under which employees purchase Arrow's common stock at a 5% discount below market price. Under current accounting guidance, a stock purchase plan with a discount of 5% or less is not considered a compensatory plan. Employee Stock Ownership Plan Arrow maintains an employee stock ownership plan (“ESOP”). Substantially all employees of Arrow and its subsidiaries are eligible to participate upon satisfaction of applicable service requirements. The ESOP borrowed funds from one of Arrow’s subsidiary banks to purchase outstanding shares of Arrow’s common stock. The notes require annual payments of principal and interest through 2019. As the debt is repaid, shares are released from collateral based on the proportion of debt paid to total debt outstanding for the year and allocated to active employees. In addition, the Company makes additional cash contributions to the Plan each year. Schedule of ESOP Compensation Expense 2018 2017 2016 ESOP Compensation Expense $ 1,400 $ 1,400 $ 1,200 Shares pledged as collateral are reported as unallocated ESOP shares in stockholders’ equity. As shares are released from collateral, Arrow reports compensation expense equal to the current average market price of the shares, and the shares become outstanding for earnings per share computations. The ESOP shares as of December 31, 2018 were as follows: Schedule of Shares in ESOP Plan ESOP Plan Shares: 2018 Allocated Shares 758,101 Shares Released for Allocation During 2018 4,931 Unallocated Shares 5,001 Total ESOP Shares 768,033 Market Value of Unallocated Shares $ 160

Retirement Benefit Plans

Retirement Benefit Plans	12 Months Ended
	Dec. 31, 2018
Retirement Benefits [Abstract]
Retirement Benefit Plans	RETIREMENT BENEFIT PLANS (Dollars in Thousands) Arrow sponsors qualified and nonqualified defined benefit pension plans and other postretirement benefit plans for its employees. Arrow maintains a non-contributory pension plan, which covers substantially all employees. Effective December 1, 2002, all active participants in the qualified defined benefit pension plan were given a one-time irrevocable election to continue participating in the traditional plan design, for which benefits were based on years of service and the participant’s final compensation (as defined), or to begin participating in the new cash balance plan design. All employees who participate in the plan after December 1, 2002 automatically participate in the cash balance plan design. The interest credits under the cash balance plan are based on the 30-year U.S. Treasury rate in effect for November of the prior year. The service credits under the cash balance plan are equal to 6.0% of eligible salaries for employees who become participants on or after January 1, 2003. For employees in the plan prior to January 1, 2003, the service credits are scaled based on the age of the participant, and range from 6.0% to 12.0% . The funding policy is to contribute up to the maximum amount that can be deducted for federal income tax purposes and to make all payments required under ERISA. Arrow also maintains a supplemental non-qualified unfunded retirement plan to provide eligible employees of Arrow and its subsidiaries with benefits in excess of qualified plan limits imposed by federal tax law. Arrow has multiple non-pension postretirement benefit plans. The health care, dental and life insurance plans are contributory, with participants’ contributions adjusted annually. Arrow’s policy is to fund the cost of postretirement benefits based on the current cost of the underlying policies. However, the health care plan provision for automatic increases of Company contributions each year is based on the increase in inflation and is limited to a maximum of 5% . As of December 31, 2018, Arrow updated its mortality assumption to the RP-2014 Mortality Table for annuitants and non-annuitants with projected generational mortality improvements using Scale MP-2018 for the pension plans and the RPH-2014 Mortality Table for annuitants and non-annuitants with projected generational mortality improvements using Scale MP-2018 for the retiree health plan. The revised assumptions resulted in a decrease in postretirement liabilities. As of December 31, 2018, Arrow also updated its mortality assumption for annuity/lump sum conversions for the pension plans to the 2019 IRC Section 417(e)(3)B) applicable mortality table. The revised assumption results in an increase in postretirement liabilities for the pension plans. The interest rates used in determining the present value of a lump sum payment/annuitizing cash balance accounts were changed to the segment rates in effect fo the January 1, 2019 plan year ( 3.43% , 4.46% , 4.88% ) as of December 31, 2018. This change was made to more accurately reflect current expected long-term interest rates and resulted in an increase in liability for the Employee's Pension Plan and the Select Executive Retirement Plan. The following tables set forth changes in the plans’ benefit obligations (projected benefit obligation for pension benefits and accumulated benefit obligation for postretirement benefits) and changes in the plans’ assets and the funded status of the pension plans and other postretirement benefit plan at December 31: Schedule of Defined Benefit Plan Disclosures Employees' Pension Plan Select Executive Retirement Plan Postretirement Benefit Plans Defined Benefit Plan Funded Status December 31, 2018 Fair Value of Plan Assets $ 48,445 $ — $ — Benefit Obligation 38,069 4,710 7,706 Funded Status of Plan $ 10,376 $ (4,710 ) $ (7,706 ) December 31, 2017 Fair Value of Plan Assets $ 53,571 $ — $ — Benefit Obligation 38,921 4,586 7,727 Funded Status of Plan $ 14,650 $ (4,586 ) $ (7,727 ) Change in Benefit Obligation Benefit Obligation, at January 1, 2018 $ 38,921 $ 4,586 $ 7,727 Service Cost 1 1,557 414 136 Interest Cost 2 1,598 192 333 Plan Participants' Contributions — — 416 Amendments — — 453 Actuarial (Gain) Loss (795 ) (17 ) (664 ) Benefits Paid (3,212 ) (465 ) (695 ) Benefit Obligation, at December 31, 2018 $ 38,069 $ 4,710 $ 7,706 Benefit Obligation, at January 1, 2017 $ 36,154 $ 4,547 $ 7,623 Service Cost 1 1,392 45 130 Interest Cost 2 1,682 209 339 Plan Participants' Contributions — — 492 Amendments — — — Actuarial (Gain) Loss 2,440 245 (14 ) Benefits Paid (2,747 ) (460 ) (843 ) Benefit Obligation, at December 31, 2017 $ 38,921 $ 4,586 $ 7,727 Change in Fair Value of Plan Assets Fair Value of Plan Assets, at January 1, 2018 $ 53,571 $ — $ — Actual Return on Plan Assets (1,914 ) — — Employer Contributions — 465 279 Plan Participants' Contributions — — 416 Benefits Paid (3,212 ) (465 ) (695 ) Fair Value of Plan Assets, at December 31, 2017 $ 48,445 $ — $ — Fair Value of Plan Assets, at January 1, 2017 $ 50,220 $ — $ — Actual Return on Plan Assets 6,098 — — Employer Contributions — 460 351 Plan Participants' Contributions — — 492 Benefits Paid (2,747 ) (460 ) (843 ) Fair Value of Plan Assets, at December 31, 2017 $ 53,571 $ — $ — Accumulated Benefit Obligation at December 31, 2018 $ 37,749 $ 4,672 $ 7,706 Schedule of Defined Benefit Plan Disclosures Employees' Pension Plan Select Executive Retirement Plan Postretirement Benefit Plans Amounts Recognized in the Consolidated Balance Sheets December 31, 2018 Prepaid Pension Asset $ 10,376 $ — — Accrued Benefit Liability — (4,710 ) (7,706 ) Net Benefit Recognized $ 10,376 $ (4,710 ) $ (7,706 ) December 31, 2017 Prepaid Pension Asset $ 14,650 $ — — Accrued Benefit Liability — (4,586 ) (7,727 ) Net Benefit Recognized $ 14,650 $ (4,586 ) $ (7,727 ) Amounts Recognized in Other Comprehensive Income (Loss) For the Year Ended December 31, 2018 Net Unamortized Loss (Gain) Arising During the Period $ 4,480 $ (17 ) $ (665 ) Net Prior Service Cost Arising During the Period — — 453 Amortization of Net Loss (194 ) (131 ) — Amortization of Prior Service Credit (Cost) 49 (57 ) (100 ) Total Other Comprehensive (Loss) for Pension and Other Postretirement Benefit Plans $ 4,335 $ (205 ) $ (312 ) For the Year Ended December 31, 2017 Net Unamortized (Gains) Loss Arising During the Period $ (517 ) $ 244 $ (14 ) Net Prior Service Cost Arising During the Period — — — Amortization of Net (Gains) Loss (306 ) (129 ) 24 Amortization of Prior Service Credit (Cost) 57 (57 ) 11 Total Other Comprehensive Income (Loss) for Pension and Other Postretirement Benefit Plans $ (766 ) $ 58 $ 21 For the Year Ended December 31, 2016 Net Unamortized Loss Arising During the Period $ (2,657 ) $ (32 ) $ (328 ) Net Prior Service Cost Arising During the Period — — — Amortization of Net Loss (591 ) (125 ) — Amortization of Prior Service (Cost) Credit 57 (57 ) 12 Total Other Comprehensive (Loss) Income for Pension and Other Postretirement Benefit Plans $ (3,191 ) $ (214 ) $ (316 ) Accumulated Other Comprehensive Income December 31, 2018 Net Actuarial Loss (Gains) $ 10,942 $ 1,979 $ (893 ) Prior Service (Credit) Cost 313 432 786 Total Accumulated Other Comprehensive Income, Before Tax $ 11,255 $ 2,411 $ (107 ) December 31, 2017 Net Actuarial Loss (Gains) $ 6,656 $ 2,127 $ (228 ) Prior Service (Credit) Cost 264 489 433 Total Accumulated Other Comprehensive Income, Before Tax $ 6,920 $ 2,616 $ 205 Amounts that will be Amortized from Accumulated Other Comprehensive Income the Next Year Net Actuarial Loss (Gain) $ 612 $ 106 $ (70 ) Prior Service Cost $ 69 $ 54 $ 101 Schedule of Defined Benefit Plan Disclosures Employees' Pension Plan Select Executive Retirement Plan Postretirement Benefit Plans Net Periodic Benefit Cost For the Year Ended December 31, 2018 Service Cost 1 $ 1,557 $ 414 $ 136 Interest Cost 2 1,598 192 333 Expected Return on Plan Assets 2 (3,362 ) — — Amortization of Prior Service (Credit) Cost 2 (49 ) 57 100 Amortization of Net Loss 2 194 131 — Net Periodic Benefit Cost $ (62 ) $ 794 $ 569 For the Year Ended December 31, 2017 Service Cost 1 $ 1,392 $ 45 $ 130 Interest Cost 2 1,682 209 339 Expected Return on Plan Assets 2 (3,141 ) — — Amortization of Prior Service (Credit) Cost 2 (57 ) 57 (11 ) Amortization of Net Loss 2 306 129 (24 ) Net Periodic Benefit Cost $ 182 $ 440 $ 434 For the Year Ended December 31, 2016 Service Cost 1 $ 1,400 $ 40 $ 147 Interest Cost 2 1,641 206 340 Expected Return on Plan Assets 2 (3,198 ) — — Amortization of Prior Service (Credit) Cost 2 (57 ) 57 (12 ) Amortization of Net Loss 2 591 125 — Net Periodic Benefit Cost $ 377 $ 428 $ 475 Weighted-Average Assumptions Used in Calculating Benefit Obligation December 31, 2018 Discount Rate 4.81 % 4.80 % 4.81 % Rate of Compensation Increase 3.50 % 3.50 % 3.50 % Interest Rate Credit for Determining Projected Cash Balance Account 3.36 % 3.36 % December 31, 2017 Discount Rate 4.24 % 4.18 % 4.22 % Rate of Compensation Increase 3.50 % 3.50 % 3.50 % Interest Rate Credit for Determining Projected Cash Balance Account 3.00 % 3.00 % Interest Rate to Annuitize Cash Balance Account 4.25 % 4.25 % Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts 4.25 % 4.25 % Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost December 31, 2018 Discount Rate 4.24 % 4.18 % 4.22 % Expected Long-Term Return on Plan Assets 6.50 % Rate of Compensation Increase 3.50 % 3.50 % 3.50 % Interest Rate Credit for Determining Projected Cash Balance Account 3.00 % 3.00 % Schedule of Defined Benefit Plan Disclosures Employees' Pension Plan Select Executive Retirement Plan Postretirement Benefit Plans December 31, 2017 Discount Rate 4.83 % 4.73 % 4.80 % Expected Long-Term Return on Plan Assets 6.50 % Rate of Compensation Increase 3.50 % 3.50 % 3.50 % Interest Rate Credit for Determining Projected Cash Balance Account 3.00 % 3.00 % Interest Rate to Annuitize Cash Balance Account 4.50 % 4.50 % Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts 4.50 % 4.50 % December 31, 2016 Discount Rate 4.73 % 4.61 % 4.69 % Expected Long-Term Return on Plan Assets 7.00 % Rate of Compensation Increase 3.50 % 3.50 % 3.50 % Interest Rate Credit for Determining Projected Cash Balance Account 3.03 % 3.03 % Interest Rate to Annuitize Cash Balance Account 5.00 % 5.00 % Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts 5.00 % 5.00 % Footnotes: 1. Included in Salaries and Employee Benefits on the Consolidated Statements of Income 2. Included in Other Operating Expense on the Consolidated Statements of Income Schedule of Defined Benefit Plan Disclosures Information about Defined Benefit Plan Assets - Employees' Pension Plan Fair Value Measurements Using: Asset Category Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total Percent of Total Target Allocation Minimum Target Allocation Maximum December 31, 2018 Cash $ — $ — $ — $ — — % — % 15.0 % Interest-Bearing Money Market Fund 3,310 — — 3,310 6.8 % — % 15.0 % Arrow Common Stock 1 5,381 — — 5,381 11.1 % — % 10.0 % North Country Funds - Equity 2 16,629 — — 16,629 34.3 % Other Mutual Funds - Equity 13,081 — — 13,081 27.0 % Total Equity Funds 29,710 — — 29,710 61.3 % 55.0 % 85.0 % North Country Funds - Fixed income 2 8,124 — — 8,124 16.8 % Other Mutual Funds - Fixed Income 1,920 — — 1,920 4.0 % Total Fixed Income Funds 10,044 — — 10,044 20.8 % 10.0 % 30.0 % Total $ 48,445 $ — $ — $ 48,445 100.0 % December 31, 2017 Cash $ 22 $ — $ — $ 22 — % — % 15.0 % Interest-Bearing Money Market Fund 2,682 — — 2,682 5.0 % — % 15.0 % Arrow Common Stock 1 5,657 — — 5,657 10.6 % — % 10.0 % North Country Funds - Equity 2 19,680 — — 19,680 36.7 % Other Mutual Funds - Equity 15,168 — — 15,168 28.3 % Total Equity Funds 34,848 — — 34,848 65.0 % 55.0 % 85.0 % North Country Funds - Fixed income 2 8,388 — — 8,388 15.7 % Other Mutual Funds - Fixed Income 1,974 — — 1,974 3.7 % Total Fixed Income Funds 10,362 — — 10,362 19.4 % 10.0 % 30.0 % Total $ 53,571 $ — $ — $ 53,571 100.0 % 1 Acquisition of Arrow Financial Corporation common stock was under 10% of the total fair value of the employee's pension plan assets at the time of acquisition. 2 The North Country Funds - Equity and the North Country Funds - Fixed Income are publicly traded mutual funds advised by Arrow's subsidiary, North Country Investment Advisers, Inc. Schedule of Defined Benefit Plan Disclosures Employees' Pension Plan Select Executive Retirement Plan Postretirement Benefit Plans Expected Future Benefit Payments 2019 $ 2,223 $ 447 $ 580 2020 2,792 432 594 2021 2,513 416 639 2022 2,756 399 626 2023 2,781 381 614 2024 - 2028 15,162 2,683 3,212 Estimated Contributions During 2019 $ — $ 447 $ 580 Assumed Health Care Cost Trend Rates December 31, 2018 Health Care Cost Trend Rate Assumed for Next Year 7.00 % Rate to which the Cost Trend Rate is Assumed to Decline (the Ultimate Trend Rate) 3.78 % Year that the Rate Reaches the Ultimate Trend Rate 2075 December 31, 2017 Health Care Cost Trend Rate Assumed for Next Year 7.25 % Rate to which the Cost Trend Rate is Assumed to Decline (the Ultimate Trend Rate) 3.89 % Year that the Rate Reaches the Ultimate Trend Rate 2075 Effect of a One-Percentage Point Change in Assumed Health Care Cost Trend Rates Effect of a One Percentage Point Increase on Service and Interest Cost Components $ 42 Effect of a One Percentage Point Decrease on Service and Interest Cost Components (36 ) Effect of a One Percentage Point Increase on Accumulated Postretirement Benefit Obligation 478 Effect of a One Percentage Point Decrease on Accumulated Postretirement Benefit Obligation (417 ) Fair Value of Plan Assets (Defined Benefit Plan): For information on fair value measurements, including descriptions of level 1, 2 and 3 of the fair value hierarchy and the valuation methods employed by Arrow, see Note 2, Summary of Significant Accounting Policies, and Note 17, Fair Values . The fair value of level 1 financial instruments in the table above are based on unadjusted, quoted market prices from exchanges in active markets. In accordance with ERISA guidelines, the Board authorized the purchase of Arrow common stock up to 10% of the fair market value of the plan's assets at the time of acquisition. Pension Plan Investment Policies and Strategies : The Company maintains a non-contributory pension benefit plan covering substantially all employees for the purpose of rewarding long and loyal service to the Company. The pension assets are held in trust and are invested in a prudent manner for the exclusive purpose of providing benefits to participants. The investment objective is to achieve an inflation-protected rate of return that meets the actuarial assumption which is used for funding purposes. The investment strategy attempts to maximize the investment return on assets at a level of risk deemed appropriate by the Company while complying with ERISA and any applicable regulations and laws. The investment strategy utilizes asset allocation as a principal determinant for establishing the risk/reward profile of the assets. Asset allocation ranges are established, periodically reviewed, and adjusted as funding levels, and participant benefit characteristics change. Active and passive investment management is employed to help enhance the risk/return profile of the assets. The plan’s assets are invested in a diversified portfolio of equity securities comprised of companies with small, mid, and large capitalizations. Both domestic and international equities are allowed to provide further diversification and opportunity for return in potentially higher growth economies with lower correlation of returns. Growth and value styles of investment are employed to increase the diversification and offer varying opportunities for appreciation. The fixed income portion of the plan may be invested in U.S. dollar denominated debt securities that shall be rated within the top four ratings categories by nationally recognized ratings agencies. The fixed income portion will be invested without regard to industry or sector based on analysis of each target security’s structural and repayment features, current pricing and trading opportunities as well as credit quality of the issuer. Individual bonds with ratings that fall below the Plan’s rating requirements will be sold only when it is in the best interests of the Plan. Hybrid investments, such as convertible bonds, may be used to provide growth characteristics while offering some protection to declining equity markets by having a fixed income component. Alternative investments such as Treasury Inflation Protected Securities, commodities, and REITs may be used to further enhance diversification while offering opportunities for return. In accordance with ERISA guidelines, common stock of the Company may be purchased up to 10% of the fair market value of the Plan’s assets at the time of acquisition. Derivative investments are prohibited in the plan. The return on assets assumption was developed through review of historical market returns, historical asset class volatility and correlations, current market conditions, the Plan’s past experience, and expectations on potential future market returns. The assumption represents a long-term average view of the performance of the assets in the Plan, a return that may or may not be achieved during any one calendar year. The assumption is based on the return of the Plan using the historical 15 year return adjusted for the potential for lower than historical returns due to low interest rates. Cash Flows - We were not required to and we did not make any contribution to our qualified pension plan in 2018 . Arrow makes contributions for its postretirement benefits in an amount equal to actual expenses for the year.

Other Expenses

Other Expenses	12 Months Ended
	Dec. 31, 2018
Other Income and Expenses [Abstract]
Other Expenses	OTHER EXPENSES (Dollars In Thousands) Other operating expenses included in the Consolidated Statements of Income are as follows: 2018 2017 2016 Information Technology Services $ 5,670 $ 5,028 $ 4,706 Legal and Other Professional Fees 2,460 2,194 2,119 Postage and Courier 982 947 1,087 Advertising and Promotion 1,083 1,035 1,084 Stationery and Printing 782 841 892 Telephone and Communications 853 797 840 Intangible Asset Amortization 262 279 297 All Other 3,507 3,456 3,469 Total Other Operating Expense $ 15,599 $ 14,577 $ 14,494

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Income Taxes	INCOME TAXES (Dollars In Thousands) The provision for income taxes is summarized below: Current Tax Expense: 2018 2017 2016 Federal $ 7,668 $ 11,142 $ 10,496 State 1,450 917 1,002 Total Current Tax Expense 9,118 12,059 11,498 Deferred Tax Expense (Benefit): Federal (40 ) (1,453 ) (69 ) State (52 ) (77 ) (214 ) Total Deferred Tax Expense (Benefit) (92 ) (1,530 ) (283 ) Total Provision for Income Taxes $ 9,026 $ 10,529 $ 11,215 The provisions for income taxes differed from the amounts computed by applying the U.S. Federal Income Tax Rate, 21% for 2018 and 35% for 2017 and 2016 , to pre-tax income as a result of the following: 2018 2017 2016 Computed Tax Expense at Statutory Rate $ 9,514 $ 13,949 $ 13,212 Increase (Decrease) in Income Taxes Resulting From: Tax Cuts and Jobs Act impact on deferred remeasurement — (1,116 ) — Tax-Exempt Income (1,407 ) (2,537 ) (2,437 ) Nondeductible Interest Expense 50 52 40 State Taxes, Net of Federal Income Tax Benefit 1,093 698 554 Tax benefit from stock based compensation (175 ) (134 ) — Other Items, Net (49 ) (383 ) (154 ) Total Provision for Income Taxes $ 9,026 $ 10,529 $ 11,215 The Tax Act was enacted on December 22, 2017 and introduced significant changes to U.S. income tax law. Effective in 2018, the Tax Act reduces the U.S. statutory tax rate from 35% to 21%, among other changes. We do not believe that the other provisions within the Tax Act will have a material impact. The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2018 and 2017 are presented below: 2018 2017 Deferred Tax Assets: Allowance for Loan Losses $ 5,131 $ 4,730 Pension and Deferred Compensation Plans 2,764 2,595 Pension Liability Included in Accumulated Other Comprehensive Income 3,450 2,475 Other 342 357 Net Unrealized Losses on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income 1,259 426 Total Gross Deferred Tax Assets 12,946 10,583 Valuation Allowance for Deferred Tax Assets — — Total Gross Deferred Tax Assets, Net of Valuation Allowance $ 12,946 $ 10,583 Deferred Tax Liabilities: Pension Plans $ 5,502 $ 5,487 Depreciation 1,149 955 Deferred Income 3,003 2,779 Net Unrealized Gains on Equity Securities 166 — Goodwill 3,546 3,566 Total Gross Deferred Tax Liabilities $ 13,366 $ 12,787 Management believes that the realization of the recognized gross deferred tax assets at December 31, 2018 and 2017 is more likely than not, based on historic earnings and expectations as to future taxable income. Interest and penalties are recorded as a component of the provision for income taxes, if any. There are no current examinations of our Federal or state income tax returns, nor have we been notified of any up-coming examinations. Tax years 2015 through 2018 are subject to Federal and New York State examination. Management annually conducts an analysis of its tax positions and has concluded that it has no uncertain tax positions as of December 31, 2018 .

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2018
Earnings Per Share [Abstract]
Earnings Per Share	EARNINGS PER SHARE (Dollars In Thousands, Except Per Share Amounts) The following table presents a reconciliation of the numerator and denominator used in the calculation of basic and diluted earnings per common share ("EPS") for each of the years in the three-year period ended December 31, 2018 . All share and per share amounts have been adjusted for the September 27, 2018 3 % stock dividend. Earnings Per Share Year-to-Date Period Ended: 12/31/2018 12/31/2017 12/31/2016 Earnings Per Share - Basic: Net Income $ 36,279 $ 29,326 $ 26,534 Weighted Average Shares - Basic 14,408 14,310 14,206 Earnings Per Share - Basic $ 2.52 $ 2.05 $ 1.87 Earnings Per Share - Diluted: Net Income $ 36,279 $ 29,326 $ 26,534 Weighted Average Shares - Basic 14,408 14,310 14,206 Dilutive Average Shares Attributable to Stock Options 80 96 91 Weighted Average Shares - Diluted 14,488 14,406 14,297 Earnings Per Share - Diluted $ 2.50 $ 2.04 $ 1.86

Fair Values

Fair Values	12 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
Fair Values	FAIR VALUES (Dollars In Thousands) FASB ASC Subtopic 820-10 defines fair value, establishes a framework for measuring fair value in generally accepted accounting principles (GAAP) and requires certain disclosures about fair value measurements. We do not have any nonfinancial assets or liabilities measured at fair value on a recurring basis. The only assets or liabilities that Arrow measured at fair value on a recurring basis at December 31, 2018 were securities available-for-sale and equity securities and at December 31, 2017 were securities available-for-sale. Arrow held no securities or liabilities for trading on such dates. For information on fair value measurements, including descriptions of level 1, 2 and 3 of the fair value hierarchy and the valuation methods employed by Arrow, see Note 2, Summary of Significant Accounting Policies . The table below presents the financial instrument's fair value and the amounts within the fair value hierarchy based on the lowest level of input that is significant to the fair value measurement: Fair Value of Assets and Liabilities Measured on a Recurring and Nonrecurring Basis Fair Value Measurements at Reporting Date Using: Fair Value of Assets and Liabilities Measured on a Recurring Basis: Fair Value Quoted Prices In Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total Gains (Losses) December 31, 2018 Securities Available-for Sale: U.S. Government & Agency Obligations $ 46,765 $ — $ 46,765 $ — State and Municipal Obligations 1,195 — 1,195 — Mortgage-Backed Securities 268,775 — 268,775 — Corporate and Other Debt Securities 800 — 800 — Total Securities Available-for-Sale 317,535 $ — $ 317,535 $ — Equity Securities 1,774 1,774 Total Securities Measured on a Recurring Basis $ 319,309 319,309 December 31, 2017 Securities Available-for Sale: U.S. Government & Agency Obligations $ 59,894 $ — $ 59,894 $ — State and Municipal Obligations 10,349 — 10,349 — Mortgage-Backed Securities 227,596 — 227,596 — Corporate and Other Debt Securities 800 — 800 — Equity Securities 1,561 — 1,561 — Total Securities Available-for Sale $ 300,200 $ — $ 300,200 $ — Fair Value of Assets and Liabilities Measured on a Nonrecurring Basis: December 31, 2018 Collateral Dependent Impaired Loans $ — $ — $ — $ — $ — Other Real Estate Owned and Repossessed Assets, Net $ 1,260 $ — $ — $ 1,260 $ (669 ) December 31, 2017 Collateral Dependent Impaired Loans $ — $ — $ — $ — $ — Other Real Estate Owned and Repossessed Assets, Net $ 1,847 $ — $ — $ 1,847 $ (569 ) We determine the fair value of financial instruments under the following hierarchy: • Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities; • Level 2 - Quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability; • Level 3 - Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported by little or no market activity). During the third quarter of 2018, the Company determined that the previously reported U.S. Government & Agency Obligations of $59,894 at December 31, 2017 were incorrectly classified as Level 1 securities, instead of the correct classification as Level 2 securities. The Company corrected the fair value leveling disclosure for the year ended December 31, 2017 to reflect the correction of this classification. This error had no impact on the fair value of U.S. Government & Agency Obligation or the total securities available-for-sale. There were no transfers between Levels 1, 2 and 3 for the years ended December 31, 2018 or 2017. Fair Value Methodology for Assets and Liabilities Measured on a Recurring Basis The fair value of level 1 securities available-for-sale are based on unadjusted, quoted market prices from exchanges in active markets. The fair value of level 2 securities available-for-sale are based on an independent bond and equity pricing service for identical assets or significantly similar securities and an independent equity pricing service for equity securities not actively traded. The pricing services use a variety of techniques to arrive at fair value including market maker bids, quotes and pricing models. Inputs to the pricing models include recent trades, benchmark interest rates, spreads and actual and projected cash flows. Fair Value Methodology for Assets and Liabilities Measured on a Nonrecurring Basis The fair value of collateral dependent impaired loans and other real estate owned was based on third-party appraisals less estimated cost to sell. The appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. Other assets which might have been included in this table include mortgage servicing rights, goodwill and other intangible assets. Arrow evaluates each of these assets for impairment on an annual basis, with no impairment recognized for these assets at December 31, 2018 and 2017 . Fair Value Methodology for Financial Instruments Not Measured on a Recurring or Nonrecurring Basis The fair value for securities held-to-maturity is determined utilizing an independent bond pricing service for identical assets or significantly similar securities. The pricing service uses a variety of techniques to arrive at fair value including market maker bids, quotes and pricing models. Inputs to the pricing models include recent trades, benchmark interest rates, spreads and actual and projected cash flows. ASU 2016-01 "Recognition and Measurement of Financial Assets and Financial Liabilities" requires that, effective for the first quarter of 2018, the fair value for loans must be disclosed using the "exit price" notion which is a reasonable estimate of what another party might pay in an orderly transaction. Fair values for loans are calculated for portfolios of loans with similar financial characteristics. Loans are segregated by type such as commercial, commercial real estate, residential mortgage, indirect auto and other consumer loans. Each loan category is further segmented into fixed and adjustable interest rate terms and by performing and nonperforming categories. The fair value of performing loans is calculated by determining the estimated future cash flow, which is the contractual cash flow adjusted for estimated prepayments. The discount rate is determined by starting with current market yields, and first adjusting for a liquidity premium. This premium is separately determined for residential real estate loans vs. other loans. Then a credit loss component is determined utilizing the credit loss assumptions used in the allowance for loan and lease loss model. Finally, a discount spread is applied separately for consumer loans vs. commercial loans based on market information and utilization of the Swap Curve. Fair value for nonperforming loans is generally based on recent external appraisals. If appraisals are not available, estimated cash flows are discounted using a rate commensurate with the risk associated with the estimated cash flows. Assumptions regarding credit risk, cash flows and discount rates are judgmentally determined using available market information and specific borrower information. The fair value of time deposits is based on the discounted value of contractual cash flows, except that the fair value is limited to the extent that the customer could redeem the certificate after imposition of a premature withdrawal penalty. The discount rates are estimated using the Federal Home Loan Bank of New York ("FHLBNY") yield curve, which is considered representative of Arrow’s time deposit rates. The fair value of all other deposits is equal to the carrying value. The fair value of FHLBNY advances is estimated based on the discounted value of contractual cash flows. The discount rate is estimated using current rates on FHLBNY advances with similar maturities and call features. The carrying amount of FHLBNY and FRB stock approximates fair value. If the stock was redeemed, the Company will receive an amount equal to the par value of the stock. The book value of the outstanding trust preferred securities (Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts) are considered to approximate fair value since the interest rates are variable (indexed to LIBOR) and Arrow is well-capitalized. Fair Value by Balance Sheet Grouping The following table presents a summary of the carrying amount, the fair value or an amount approximating fair value and the fair value hierarchy of Arrow’s financial instruments: Schedule of Fair Values by Balance Sheet Grouping Fair Value Hierarchy Carrying Amount Fair Value Level 1 Level 2 Level 3 December 31, 2018 Cash and Cash Equivalents $ 84,239 $ 84,239 $ 84,239 $ — $ — Securities Available-for-Sale 317,535 317,535 — 317,535 — Securities Held-to-Maturity 283,476 280,338 — 280,338 — Equity Securities 1,774 1,774 1,774 FHLBNY and Federal Reserve Bank Stock 15,506 15,506 — 15,506 — Net Loans 2,176,019 2,114,372 — — 2,114,372 Accrued Interest Receivable 7,035 7,035 — 7,035 — Deposits 2,345,584 2,338,410 — 2,338,410 — Federal Funds Purchased and Securities Sold Under Agreements to Repurchase 54,659 54,659 — 54,659 — FHLBNY Overnight Advances 234,000 234,000 — 234,000 — Federal Home Loan Bank Term Advances 45,000 44,652 — 44,652 — Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts 20,000 20,000 — 20,000 — Accrued Interest Payable 570 570 — 570 — December 31, 2017 Cash and Cash Equivalents $ 72,838 $ 72,838 $ 72,838 $ — $ — Securities Available-for-Sale 300,200 300,200 — 300,200 — Securities Held-to-Maturity 335,907 335,901 — 335,901 — Federal Home Loan Bank and Federal Reserve Bank Stock 9,949 9,949 — 9,949 — Net Loans 1,932,184 1,901,046 — — 1,901,046 Accrued Interest Receivable 6,753 6,753 — 6,753 — Deposits 2,245,116 2,236,548 — 2,236,548 — Federal Funds Purchased and Securities Sold Under Agreements to Repurchase 64,966 64,966 — 64,966 — Federal Home Loan Bank Overnight Advances 105,000 105,000 — 105,000 — Federal Home Loan Bank Term Advances 55,000 54,781 — 54,781 — Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts 20,000 20,000 — 20,000 — Accrued Interest Payable 410 410 — 410 —

Leases

Leases	12 Months Ended
	Dec. 31, 2018
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Leases	LEASES (Dollars In Thousands) At December 31, 2018 , Arrow was obligated under a number of noncancellable operating leases for buildings and equipment. Certain of these leases provide for escalation clauses and contain renewal options calling for increased rentals if the lease is renewed. Net rental expense for the years ended December 31, 2018 , 2017 and 2016 was as follows: 2018 2017 2016 Net Rental Expense $ 844 $ 746 $ 822 Future minimum lease payments on operating leases at December 31, 2018 were as follows: Operating Leases 2019 $ 857 2020 626 2021 497 2022 357 2023 286 2024 and beyond 2,776 Total Minimum Lease Payments $ 5,399 Arrow leases five of its branch offices, at market rates, from Stewart ’ s Shops Corp. Mr. Gary C. Dake, President of Stewart ’ s Shops Corp., serves on both the boards of Arrow and Saratoga National Bank and Trust Company.

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2018
Banking and Thrift [Abstract]
Regulatory Matters	REGULATORY MATTERS (Dollars in Thousands) In the normal course of business, Arrow and its subsidiaries operate under certain regulatory restrictions, such as the extent and structure of covered inter-company borrowings and maintenance of reserve requirement balances. The principal source of the funds for the payment of stockholder dividends by Arrow has been from dividends declared and paid to Arrow by its bank subsidiaries. As of December 31, 2018 , the maximum amount that could have been paid by subsidiary banks to Arrow, without prior regulatory approval, was approximately $56.1 million . Under current Federal Reserve regulations, Arrow is prohibited from borrowing from the subsidiary banks unless such borrowings are secured by specific obligations. Additionally, the maximum of any such borrowings from any one subsidiary bank(aggregated with all other "covered transactions between the bank and Arrow) is limited to 10% of that bank ’ s capital and surplus. Loans and other covered transactions between any one subsidiary bank and all of its affiliates cannot exceed 20% of that bank's capital and surplus. Arrow and its subsidiary banks are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory--and possibly additional discretionary--actions by regulators that, if undertaken, could have a direct material effect on an institution ’ s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, Arrow and its subsidiary banks must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Current quantitative measures established by regulation to ensure capital adequacy require Arrow and its subsidiary banks to maintain minimum capital amounts and ratios (set forth in the table below) of total and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined). Management believes, as of December 31, 2018 and 2017 , that Arrow and both subsidiary banks meet all capital adequacy requirements to which they are subject. The regulatory capital requirements incorporate a capital concept, the so-called "capital conservation buffer" (set at 2.5%, after full phase-in), which must be added to each of the minimum required risk-based capital ratios (i.e., the minimum CET1 ratio, the minimum Tier 1 risk-based capital ratio and the minimum total risk-based capital ratio). As of January 1, 2019, the capital conservation buffer increased to 2.50% of risk weighted assets from 1.875% at January 1, 2018. The Economic Growth Act was signed into law May 24, 2018, and includes a provision requiring the federal bank regulatory agencies to establish a "community bank leverage ratio" (CBLR) of between 8% and 10%, calculated by dividing tangible equity capital by average total consolidated assets of "qualifying community banks" that meet certain requirements to be set by those regulatory agencies. A qualifying community bank is a depository institution or bank holding company with less than $10 billion in total assets that meets the other requirements to be established by the regulators. If a qualifying community bank exceeds the community bank leverage ratio, it will be deemed to have met all applicable capital and leverage requirements, including the generally applicable leverage capital requirements and risk-based capital requirements and (if the community bank is a depository institution), the "well capitalized" requirement under the federal "prompt corrective action" capital standards. This new community bank leverage ratio is intended to reduce the burden of compliance with regard to regulatory capital adequacy for qualifying community banks. However, this alternative capital standard will not be effective until the federal bank regulatory authorities adopt rules for its implementation. On November 21, 2018, federal banking regulators issued a notice of proposed rulemaking that would set the threshold for the CBLR at greater than 9%, calculated as the ratio of “CBLR tangible equity” divided by “average total consolidated assets.” Based on the parameters of this proposed rulemaking, the CBLR for Arrow and both subsidiary banks is estimated to exceed the 9% threshold. However, these proposed rules are not yet final, and the terms of the rules may change before becoming final. Upon effectiveness, the final rules may impact Arrow’s capital options and requirements, although the potential impact of the final rules on Arrow will remain uncertain until those final rules are issued. Until those rules become final, the enhanced bank capital standards promulgated under Dodd-Frank will remain applicable to Arrow. As of December 31, 2018 , Arrow and both subsidiary banks qualified as well-capitalized under the regulatory framework for prompt corrective action. To be categorized as “well-capitalized,” Arrow and its subsidiary banks must maintain minimum total risk-based, Tier I risk-based, Tier I leverage, and CET1 risk-based ratios as set forth in the table below. There are no conditions or events that management believes have changed Arrow’s or its subsidiary banks’ categories. The actual capital amounts and ratios for Arrow and its subsidiary banks, Glens Falls National Bank and Trust Company (“Glens Falls National”) and Saratoga National Bank and Trust Company (“Saratoga National”), are presented in the table below as of December 31, 2018 and 2017 : Actual Minimum Amounts For Capital Adequacy Purposes (including "capital conservation buffer") Minimum Amounts To Be Well-Capitalized Amount Ratio Amount Ratio Amount Ratio As of December 31, 2018 Total Capital (to Risk Weighted Assets): Arrow $ 304,109 14.9 % $ 202,059 9.9 % $ 204,100 10.0 % Glens Falls National 237,238 14.4 % 163,101 9.9 % 164,749 10.0 % Saratoga National 56,483 14.2 % 39,379 9.9 % 39,777 10.0 % Tier I Capital (to Risk Weighted Assets): Arrow 283,913 13.9 % 161,361 7.9 % 163,403 8.0 % Glens Falls National 220,844 13.4 % 130,199 7.9 % 131,847 8.0 % Saratoga National 52,681 13.2 % 31,529 7.9 % 31,928 8.0 % Tier I Capital (to Average Assets): Arrow 283,913 9.6 % 118,297 4.0 % 147,871 5.0 % Glens Falls National 220,844 9.1 % 97,074 4.0 % 121,343 5.0 % Saratoga National 52,681 9.6 % 21,950 4.0 % 27,438 5.0 % Common Equity Tier 1 Capital (to Risk Weighted Assets): Arrow 263,863 12.9 % 130,909 6.4 % 132,954 6.5 % Glens Falls National 220,794 13.4 % 105,454 6.4 % 107,102 6.5 % Saratoga National 52,681 13.2 % 25,542 6.4 % 25,941 6.5 % As of December 31, 2017 Total Capital (to Risk Weighted Assets): Arrow 278,163 15.0 % 172,461 9.3 % 185,442 10.0 % Glens Falls National 220,275 14.6 % 140,312 9.3 % 150,873 10.0 % Saratoga National 48,822 14.0 % 32,432 9.3 % 34,873 10.0 % Tier I Capital (to Risk Weighted Assets): Arrow 259,378 14.0 % 135,247 7.3 % 148,216 8.0 % Glens Falls National 205,200 13.6 % 110,144 7.3 % 120,706 8.0 % Saratoga National 45,311 13.0 % 25,444 7.3 % 27,884 8.0 % Tier I Capital (to Average Assets): Arrow 259,378 9.5 % 109,212 4.0 % 136,515 5.0 % Glens Falls National 205,200 9.1 % 90,198 4.0 % 112,747 5.0 % Saratoga National 45,311 9.4 % 19,281 4.0 % 24,102 5.0 % Common Equity Tier 1 Capital (to Risk Weighted Assets): Arrow 239,326 12.9 % 107,604 5.8 % 120,591 6.5 % Glens Falls National 205,148 13.6 % 87,490 5.8 % 98,049 6.5 % Saratoga National 45,311 13.0 % 20,216 5.8 % 22,656 6.5 %

Parent Only Financial Informati

Parent Only Financial Information	12 Months Ended
	Dec. 31, 2018
Condensed Financial Information Disclosure [Abstract]
Parent Only Financial Information	PARENT ONLY FINANCIAL INFORMATION (Dollars In Thousands) Condensed financial information for Arrow Financial Corporation is as follows: BALANCE SHEETS December 31, ASSETS 2018 2017 Interest-Bearing Deposits with Subsidiary Banks $ 2,298 $ 2,186 Available-for-Sale Securities — 1,562 Equity Securities 1,774 — Investment in Subsidiaries at Equity 280,408 261,622 Other Assets 8,626 7,987 Total Assets $ 293,106 $ 273,357 LIABILITIES Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts $ 20,000 $ 20,000 Other Liabilities 3,522 3,754 Total Liabilities 23,522 23,754 STOCKHOLDERS’ EQUITY Total Stockholders’ Equity 269,584 249,603 Total Liabilities and Stockholders’ Equity $ 293,106 $ 273,357 STATEMENTS OF INCOME Years Ended December 31, Income: 2018 2017 2016 Dividends from Bank Subsidiaries $ 13,300 $ 12,800 $ 11,650 Interest and Dividends on Investments 48 53 117 Other Income (Including Management Fees) 907 677 635 Total Income 14,255 13,530 12,402 Expense: Interest Expense 976 781 691 Other Expense 1,175 958 942 Total Expense 2,151 1,739 1,633 Income Before Income Tax Benefit and Equity in Undistributed Net Income of Subsidiaries 12,104 11,791 10,769 Income Tax Benefit 686 225 482 Equity in Undistributed Net Income of Subsidiaries 23,489 17,310 15,283 Net Income $ 36,279 $ 29,326 $ 26,534 The Statement of Changes in Stockholders ’ Equity is not reported because it is identical to the Consolidated Statement of Changes in Stockholders ’ Equity. STATEMENTS OF CASH FLOWS Years Ended December 31, 2018 2017 2016 Cash Flows from Operating Activities: Net Income $ 36,279 $ 29,326 $ 26,534 Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities: Undistributed Net Income of Subsidiaries (23,489 ) (17,310 ) (15,283 ) Shares Issued Under the Directors’ Stock Plan 205 233 205 Changes in Other Assets and Other Liabilities (918 ) (1,179 ) (899 ) Net Cash Provided by Operating Activities 12,077 11,070 10,557 Cash Flows from Investing Activities: Proceeds of Securities Held-to-Maturity — 1,000 — Net Cash Provided by Investing Activities — 1,000 — Cash Flows from Financing Activities: Stock Options Exercised 2,255 1,190 2,404 Shares Issued Under the Employee Stock Purchase Plan 505 496 493 Shares Issued for Dividend Reinvestment Plans 1,761 1,684 1,743 Tax Benefit for Exercises of Stock Options — — 188 Purchase of Treasury Stock (2,097 ) (3,248 ) (2,141 ) Cash Dividends Paid (14,389 ) (13,599 ) (13,092 ) Net Cash Used in Financing Activities (11,965 ) (13,477 ) (10,405 ) Net Increase (Decrease) in Cash and Cash Equivalents 112 (1,407 ) 152 Cash and Cash Equivalents at Beginning of the Year 2,186 3,593 3,441 Cash and Cash Equivalents at End of the Year $ 2,298 $ 2,186 $ 3,593 Supplemental Disclosures to Statements of Cash Flow Information: Interest Paid $ 976 $ 781 $ 691

Significant Accounting (Policie

Significant Accounting (Policies)	12 Months Ended
	Dec. 31, 2018
Accounting Policies [Abstract]
Principles of Consolidation	Principles of Consolidation - The financial statements of Arrow and its wholly owned subsidiaries are consolidated and all material inter-company transactions have been eliminated. In the “Parent Company Only” financial statements in Note 20, the investment in wholly owned subsidiaries is carried under the equity method of accounting. When necessary, prior years’ Consolidated Financial Statements have been reclassified to conform to the current-year financial statement presentation. The Company determines whether it has a controlling financial interest in an entity by first evaluating whether the entity is a voting interest entity or a variable interest entity under GAAP. Voting interest entities are entities in which the total equity investment at risk is sufficient to enable the entity to finance itself independently and provides the equity holders with the obligation to absorb losses, the right to receive residual returns and the right to make decisions about the entity’s activities. The Company consolidates voting interest entities in which it has all, or at least a majority of, the voting interest. As defined in applicable accounting standards, variable interest entities (VIE) are entities that lack one or more of the characteristics of a voting interest entity. A controlling financial interest in a VIE is present when the Company has both the power and ability to direct the activities of the VIE that most significantly impact the VIE's economic performance and an obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE. The Company’s wholly owned subsidiaries Arrow Capital Statutory Trust II and Arrow Capital Statutory Trust III are VIEs for which the Company is not the primary beneficiary. Accordingly, the accounts of these entities are not included in the Company’s Consolidated Financial Statements.
Segment Reporting	Segment Reporting - Arrow operations are primarily in the community banking industry, which constitutes Arrow’s only segment for financial reporting purposes. Arrow provides other services, such as trust administration, retirement plan administration, advice to our proprietary mutual funds and insurance products, but these services do not rise to the quantitative thresholds for separate disclosure. Arrow operates primarily in the northeastern region of New York State in Warren, Washington, Saratoga, Essex, Clinton, Rensselaer, Albany, and Schenectady counties and surrounding areas.
Cash and Cash Equivalents	Cash and Cash Equivalents - Cash and cash equivalents include the following items: cash at branches, due from bank balances, cash items in the process of collection, interest-bearing bank balances and federal funds sold.
Securities	Securities - Management determines the appropriate classification of securities at the time of purchase. Securities reported as held-to-maturity are those debt securities which Arrow has both the positive intent and ability to hold to maturity and are stated at amortized cost. Securities available-for-sale are reported at fair value, with unrealized gains and losses reported in accumulated other comprehensive income or loss, net of taxes. Beginning January 1, 2018, upon adoption of ASU 2016-01, equity securities with readily determinable fair values are stated at fair value with realized and unrealized gains and losses reported in income. For periods prior to January 1, 2018, equity securities were classified as available-for-sale and stated at fair value with unrealized gains and losses reported as a separate component of accumulated other comprehensive income, net of tax. Realized gains and losses are based upon the amortized cost of the specific security sold. A decline in the fair value of any available-for-sale or held-to-maturity security below cost that is deemed to be other-than-temporary results in an impairment to reduce the carrying amount to fair value. To determine whether an impairment is other-than-temporary, all available information relevant to the collectability of the security is considered, including past events, current conditions, and reasonable and supportable forecasts when developing an estimate of cash flows expected to be collected. Evidence considered in this assessment includes the reasons for impairment, the severity and duration of the impairment, changes in value subsequent to year-end, forecasted performance of the investee, and the general market condition in the geographic area or industry the investee operates in. When an other-than-temporary impairment has occurred on a debt security, the amount of the other-than-temporary impairment recognized in earnings depends on whether the Company intends to sell the debt security or if it is more likely than not that the Company will be required to sell the debt security before recovery of its amortized cost basis less any current-period credit loss. If the Company intends to sell the debt security or it is more likely than not that the Company will be required to sell the debt security before recovery of its amortized cost basis less any current-period credit loss, the other-than-temporary impairment is recognized in earnings equal to the entire difference between the investment’s amortized cost basis and its fair value at the balance sheet date. If the Company does not intend to sell the debt security and it is not more likely than not that the Company will be required to sell the debt security before recovery of its amortized cost basis, the other-than-temporary impairment is separated into the amount representing the credit loss and the amount related to all other factors. The amount of the total other-than-temporary impairment related to the credit loss is recognized in earnings. The amount of the total other-than-temporary impairment related to other factors is recognized in other comprehensive income, net of applicable income taxes.
Loans and Allowance for Loan Losses	Loans and Allowance for Loan Losses - Interest income on loans is accrued and credited to income based upon the principal amount outstanding. Loan fees and costs directly associated with loan originations are deferred and amortized/accreted as an adjustment to yield over the lives of the loans originated. From time-to-time, Arrow has sold (most with servicing retained) residential real estate loans at or shortly after origination. Any gain or loss on the sale of loans, along with the value of the servicing right, is recognized at the time of sale as the difference between the recorded basis in the loan and net proceeds from the sale. Loans held for sale are recorded at the lower of cost or fair value on an aggregate basis. Loans are placed on nonaccrual status either due to the delinquency status of principal and/or interest or a judgment by management that the full repayment of principal and interest is unlikely. Unless already placed on nonaccrual status, loans secured by home equity lines of credit are put on nonaccrual status when 120 days past due; residential real estate loans when 150 days past due; commercial and commercial real estate loans are evaluated on a loan-by-loan basis and are placed on nonaccrual status when 90 days past due if the full collection of principal and interest is uncertain; all other loans are to be moved to nonaccrual status upon the earliest occurrence of repossession, bankruptcy, delinquency of 90 days or more unless the loan is secured and in the process of collection with no loss anticipated or when full collection of principal and interest is in doubt. The balance of any accrued interest deemed uncollectible at the date the loan is placed on nonaccrual status is reversed, generally against interest income. A loan is returned to accrual status at the later of the date when the past due status of the loan falls below the threshold for nonaccrual status or management deems that it is likely that the borrower will repay all interest and principal. For payments received while the loan is on nonaccrual status, the Company may recognize interest income on a cash basis if the repayment of the remaining principal and accrued interest is deemed likely. The allowance for loan losses is maintained by charges to operations based upon the Company's best estimate of the probable amount of loans that will not be able to collected based on current information and events. Provisions to the allowance for loan losses are offset by actual loan charge-offs (net of any recoveries). The loan portfolio is evaluated for potential charge-offs on a monthly basis. In general, automobile and other consumer loans are charged-off when 120 days delinquent. Residential real estate loans are charged-off when a loss becomes known or based on a new appraisal at the earlier of 180 days past due or repossession. Commercial and commercial real estate loans are evaluated early in their delinquency status and are charged-off when management concludes that not all principal will be repaid from on-going cash flows or liquidation of collateral. An evaluation of estimated proceeds from the liquidation of the loan’s collateral is compared to the loan carrying amount and a charge to the allowance for loan losses is taken for any deficiency. While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions in Arrow's market area. In addition, various Federal regulatory agencies, as an integral part of their examination process, review Arrow's allowance for loan losses. Such agencies may require Arrow to recognize additions to the allowance in future periods, based on their judgments about information available to them at the time of their examination, which may not be currently available to management. All nonaccrual loans over $ 250 thousand and all troubled debt restructured loans are considered to be impaired loans and these loans are evaluated individually to determine the amount of impairment, if any. The amount of impairment, if any, related to individual impaired loans is measured based on either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's observable market price or the fair value of the collateral if the loan is collateral dependent. Arrow determines impairment for collateral dependent loans based on the fair value of the collateral less estimated costs to sell. Any excess of the recorded investment in the collateral dependent impaired loan over the estimated collateral value, less costs to sell, is typically charged off. For impaired loans which are not collateral dependent, impairment is measured by comparing the recorded investment in the loan to the present value of the expected cash flows, discounted at the loan’s effective interest rate. If this amount is less than the recorded investment in the loan, an impairment reserve is recognized as part of the allowance for loan losses, or based upon the judgment of management all or a portion of the excess of the recorded investment in the loan over the present value of the estimated future cash flow may be charged off. The allowance for loan losses on the remaining loans is primarily determined based upon consideration of the historical loss factor incorporating a rolling twelve quarter look-back period of the respective segment that have occurred within each pool of loans over the loss emergence period (LEP), adjusted as necessary based upon consideration of qualitative considerations impacting the inherent risk of loss in the respective loan portfolios. The LEP is an estimate of the average amount of time from the point at which a loss is incurred on a loan to the point at which the loss is recognized in the financial statements. Since the LEP may change under various economic environments, the LEP calculation is updated on an annual basis. In addition to historical net loss factors, qualitative factors that impact the inherent risk of loss associated with the loan categories within total loan portfolio are evaluated. These include: • Changes in the volume and severity of past due, nonaccrual and adversely classified loans • Changes in the nature and volume of the portfolio and in the terms of loans • Changes in the value of the underlying collateral for collateral dependent loans • Changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not considered elsewhere in estimating credit losses • Changes in the quality of the loan review system • Changes in the experience, ability, and depth of lending management and other relevant staff • Changes in international, national, regional, and local economic and business conditions and developments that affect the collectability of the portfolio • The existence and effect of any concentrations of credit, and changes in the level of such concentrations • The effect of other external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in the existing portfolio or pool In management’s opinion, the balance of the allowance for loan losses, at each balance sheet date, is sufficient to provide for probable loan losses inherent in the corresponding loan portfolio.
Other Real Estate Owned and Repossessed Assets	Other Real Estate Owned and Repossessed Assets - Real estate acquired by foreclosure and assets acquired by repossession are recorded at the fair value of the property less estimated costs to sell at the time of repossession. Subsequent declines in fair value, after transfer to other real estate owned and repossessed assets are recognized through a valuation allowance. Such declines in fair value along with related operating expenses to administer such properties or assets are charged directly to operating expense.
Premises and Equipment	Premises and Equipment - Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation and amortization included in operating expenses are computed largely on the straight-line method. Depreciation is based on the estimated useful lives of the assets (buildings and improvements 20 - 40 years; furniture and equipment 7 - 10 years; data processing equipment 5 - 7 years) and, in the case of leasehold improvements, amortization is computed over the terms of the respective leases or their estimated useful lives, whichever is shorter. Gains or losses on disposition are reflected in earnings.
Investments in Real Estate Limited Partnerships	Investments in Real Estate Limited Partnerships - These limited partnerships acquire, develop and operate low and moderate-income housing. As a limited partner in these projects, the Company receives low income housing tax credits and tax deductions for losses incurred by the underlying properties. The proportional amortization method allowed in Accounting Standards Update 2014-01 "Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Qualified Affordable Housing Projects" is applied. The proportional amortization method permits an entity to amortize the initial cost of the investment in proportion to the amount of the tax credits and other tax benefits received and to recognize the net investment performance in the income statement as a component of income tax expense.
Income Taxes	Income Taxes - The Tax Act was enacted on December 22, 2017 and required the Company to reflect the changes associated with the law’s provisions in its 2017 fourth quarter. The law is complex and has extensive implications for the Company’s federal and state current and deferred taxes and income tax expense. The Company recorded and reported the effects of the law’s impacts in its financial statements for the period ended December 31, 2017. See Note 15, Income Taxes , to the notes to our Consolidated Financial Statements for more information. Arrow accounts for income taxes under the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period that includes the enactment date. Arrow’s policy is that deferred tax assets are reduced by a valuation allowance if, based on the weight of available evidence, it is more likely than not that some or all of the deferred tax assets will not be realized.
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets - Identifiable intangible assets acquired in a business combination are capitalized and amortized. Any remaining unidentifiable intangible asset is classified as goodwill, for which amortization is not required but which must be evaluated for impairment. Arrow tests for impairment of goodwill on an annual basis, or when events and circumstances indicate potential impairment. In evaluating goodwill for impairment, Arrow first assesses certain qualitative factors to determine if it is more likely than not that the fair value of the reporting unit is less than its carrying value. If it is more likely than not that the fair value of a reporting unit exceeds its carrying amount, goodwill of the reporting unit is considered not impaired. If the carrying amount of a reporting unit exceeds its fair value, the second step of the goodwill impairment test is performed to measure the amount of impairment loss, if any. The carrying amounts of other recognized intangible assets that meet recognition criteria and for which separate accounting records have been maintained (depositor intangibles, mortgage servicing rights and customer intangibles), have been included in the consolidated balance sheet as “Other Intangible Assets, Net.” Depositor intangibles are being amortized on a straight-line basis over a period of ten to fifteen years. Arrow has sold residential real estate loans, primarily to Freddie Mac, with servicing retained. Mortgage servicing rights are recognized as an asset when loans are sold with servicing retained, by allocating the cost of an originated mortgage loan between the loan and servicing right based on estimated relative fair values. The cost allocated to the servicing right is capitalized as a separate asset and amortized in proportion to, and over the period of, estimated net servicing income. Capitalized mortgage servicing rights are evaluated for impairment by comparing the asset’s carrying value to its current estimated fair value. Fair values are estimated using a discounted cash flow approach, which considers future servicing income and costs, current market interest rates, and anticipated prepayment, and default rates. Impairment losses are recognized through a valuation allowance for servicing rights having a current fair value that is less than amortized cost on an aggregate basis. Adjustments to increase or decrease the valuation allowance are charged or credited to income as a component of other operating income.
Pension and Postretirement Benefits	Pension and Postretirement Benefits - Arrow maintains a non-contributory, defined benefit pension plan covering substantially all employees, a supplemental pension plan covering certain executive officers selected by the Board of Directors, and certain post-retirement medical, dental and life insurance benefits for employees and retirees. The costs of these plans, based on actuarial computations of current and future benefits for employees, are charged to current operating expenses. The cost of post-retirement benefits other than pensions is recognized on an accrual basis as employees perform services to earn the benefits. Arrow recognizes the overfunded or underfunded status of our single employer defined benefit pension plan as an asset or liability on its consolidated balance sheet and recognizes changes in the funded status in comprehensive income in the year in which the change occurred. Prior service costs or credits are amortized on a straight-line basis over the average remaining service period of active participants. Gains and losses in excess of 10% of the greater of the benefit obligation or the fair value of assets are amortized over the average remaining service period of active participants. The discount rate assumption is determined by preparing an analysis of the respective plan’s expected future cash flows and high-quality fixed-income investments currently available and expected to be available during the period to maturity of the pension benefits.
Stock-Based Compensation Plans	Stock-Based Compensation Plans - Arrow has three stock option plans, which are described more fully in Note 12, Stock Based Compensation. The Company expenses the grant date fair value of stock options and restricted stock units granted. For stock options and restricted stock units, the expense is recognized over the vesting period of the grant, typically four years for stock options and three years for restricted stock units, on a straight-line basis. Shares are generally issued from treasury for the exercise of stock options. Arrow sponsors an Employee Stock Purchase Plan ("ESPP") under which employees may purchase Arrow’s common stock at a 5% discount below market price at the time of purchase. This stock purchase plan is not considered a compensatory plan. Arrow maintains an employee stock ownership plan (“ESOP”). Substantially all employees of Arrow and its subsidiaries are eligible to participate upon satisfaction of applicable service requirements. The ESOP borrowed funds from one of Arrow’s subsidiary banks to purchase outstanding shares of Arrow’s common stock. The notes require annual payments of principal and interest through 2019. As the debt is repaid, shares are released from collateral based on the proportion of debt paid to total debt outstanding for the year and allocated to active employees. In addition, the Company makes additional cash contributions to the Plan each year.
Securities Sold Under Agreements to Repurchase	Securities Sold Under Agreements to Repurchase - In securities repurchase agreements, Arrow receives cash from a counterparty in exchange for the transfer of securities to a third party custodian’s account that explicitly recognizes Arrow’s interest in the securities. These agreements are accounted for by Arrow as secured financing transactions, since it maintains effective control over the transferred securities, and meets other criteria for such accounting. Accordingly, the cash proceeds are recorded as borrowed funds, and the underlying securities continue to be carried in Arrow’s securities available-for-sale portfolio.
Earnings Per Share	Earnings Per Share (“EPS”) - Basic EPS excludes dilution and is computed by dividing income available to common stockholders by the weighted average number of common shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity (such as Arrow’s stock options), computed using the treasury stock method. Unallocated common shares held by Arrow’s Employee Stock Ownership Plan are not included in the weighted average number of common shares outstanding for either the basic or diluted EPS calculation.
Financial Instruments	Financial Instruments - Arrow is party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Commitments to extend credit include home equity lines of credit, commitments for residential and commercial construction loans and other personal and commercial lines of credit. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The contract or notional amounts of those instruments reflect the extent of the involvement Arrow has in particular classes of financial instruments. Arrow's policy is to record such instruments when funded. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time Arrow's entire holdings of a particular financial instrument. Because no market exists for a significant portion of Arrow's financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. For example, Arrow has a wealth management department that contributes net fee income annually. The value of the wealth management department customer relationships is not considered a financial instrument of the Company, and therefore this value has not been incorporated into the fair value estimates. Other significant assets and liabilities that are not considered financial assets or liabilities include deferred taxes, premises and equipment, the value of low-cost, long-term core deposits and goodwill. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the estimates. The fair value for loans is disclosed using the "exit price" notion which is a reasonable estimate of what another party might pay in an orderly transaction. Fair values for loans are calculated for portfolios of loans with similar financial characteristics. Loans are segregated by type such as commercial, commercial real estate, residential mortgage, indirect auto and other consumer loans. Each loan category is further segmented into fixed and adjustable interest rate terms and by performing and nonperforming categories. The fair value of performing loans is calculated by determining the estimated future cash flow, which is the contractual cash flow adjusted for estimated prepayments. The discount rate is determined by starting with current market yields, and first adjusting for a liquidity premium. This premium is separately determined for residential real estate loans vs. other loans. Then a credit loss component is determined utilizing the credit loss assumptions used in the allowance for loan and lease loss model. Finally, a discount spread is applied separately for consumer loans vs. commercial loans based on market information and utilization of the Swap Curve. Fair value for nonperforming loans is generally based on recent external appraisals. If appraisals are not available, estimated cash flows are discounted using a rate commensurate with the risk associated with the estimated cash flows. Assumptions regarding credit risk, cash flows and discount rates are judgmentally determined using available market information and specific borrower information. The carrying amount of the following short-term assets and liabilities is a reasonable estimate of fair value: cash and due from banks, federal funds sold and purchased, securities sold under agreements to repurchase, demand deposits, savings, N.O.W. and money market deposits, other short-term borrowings, accrued interest receivable and accrued interest payable. The fair value estimates of other on- and off-balance sheet financial instruments, as well as the method of arriving at fair value estimates, are included in the related footnotes and summarized in Note 17. Fair Value Measures - We determine the fair value of financial instruments under the following hierarchy: • Level 1 – Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities; • Level 2 – Quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability; • Level 3 – Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported by little or no market activity). A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.
Management's Use of Estimates	Management’s Use of Estimates -The preparation of the Consolidated Financial Statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the Consolidated Financial Statements and the reported amounts of income and expenses during the reporting period. Our most significant estimates are the allowance for loan losses, the evaluation of other-than-temporary impairment of investment securities, goodwill impairment, pension and other postretirement liabilities and an analysis of a need for a valuation allowance for deferred tax assets. Actual results could differ from those estimates. A material estimate that is particularly susceptible to significant change in the near term is the allowance for loan losses. In connection with the determination of the allowance for loan losses, management obtains appraisals for properties. The allowance for loan losses is management’s best estimate of probable loan losses incurred as of the balance sheet date. While management uses available information to recognize losses on loans, future adjustments to the allowance for loan losses may be necessary based on changes in economic conditions.
Recently Adopted and Recently Issued Accounting Standards	Recently Adopted and Recently Issued Accounting Standards The following accounting standards have been adopted in 2018: ASU 2014-09 "Revenue from Contracts With Customers" (Topic 606) was adopted as of January 1, 2018. For additional information, see "Revenue Recognition" above for further information. ASU 2016-01 "Recognition and Measurement of Financial Assets and Financial Liabilities" (Subtopic 825-10) significantly changed the income statement impact of equity investments. For Arrow, the standard became effective for the first quarter of 2018, and requires that equity investments be measured at fair value, with changes in fair value recognized in net income. The cumulative effect of the January 1, 2018 adoption was an increase to retained earnings of $331 thousand with a corresponding decrease to Accumulated Other Comprehensive Loss. See "Securities" above for further information. ASU 2016-01 also emphasized the existing requirement to use exit prices to measure fair value for disclosure purposes and clarifies that entities not make use of a practicability exception in determining the fair value of loans. Accordingly, the Company refined the calculation used to determine the disclosed fair value of its loans as part of adopting this standard. See Note 17 to the Consolidated Financial Statements titled Fair Values for further information. ASU 2016-15 "Statement of Cash Flows - Classification of Certain Cash Receipts and Cash Payments" (Topic 230) will reduce existing diversity in practice with respect to eight specific cash flow issues. Arrow adopted this ASU in the first quarter of 2018. ASU 2017-01 "Business Combinations" (Topic 805) defines when a set of assets and activities constitutes a business for the purposes of determining whether transactions should be accounted for as acquisitions (or disposals) of assets or businesses. The amendments in this update allow for a business to consist of inputs, processes, and the ability to create output. For Arrow, the standard became effective in the first quarter of 2018. This update had no effect on its accounting for acquisitions and dispositions of businesses. ASU 2017-04 "Intangibles-Goodwill and Other" (Topic 350) simplifies the accounting for goodwill impairments by eliminating the requirement to compare the implied fair value of goodwill with its carrying amount as part of step two of the goodwill impairment test referenced in Accounting Standards Codification (“ASC”) 350, Intangibles - Goodwill and Other (“ASC 350”). As a result, an entity should perform its annual, or interim, goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. An impairment charge should be recognized for the amount by which the carrying amount exceeds the reporting unit’s fair value. However, the impairment loss recognized should not exceed the total amount of goodwill allocated to that reporting unit. ASU 2017-04 is effective for annual reporting periods beginning after December 15, 2019, including any interim impairment tests within those annual periods, with early application permitted for interim or annual goodwill impairment tests performed on testing dates after January 1, 2017. In January 2018, we elected to early adopt ASU 2017-04, and the adoption had no impact on our consolidated financial statements. We will perform future goodwill impairment tests according to ASU 2017-04. ASU 2017-07 "Compensation-Retirement Benefits" (Topic 715) improves the presentation of net periodic pension cost and net periodic post-retirement benefit cost by requiring that an employer disaggregate the service cost component from the other components of net benefit cost. For Arrow, the standard became effective in the first quarter of 2018. In accordance with the practical expedient adoption method, for all periods presented Arrow used the amounts disclosed in the retirement plans footnote for the prior period retrospective reclassification of the non-service cost components from salaries and benefits to other operating expenses. The adoption of this change in accounting for pension costs did not have a material impact on its financial position or the results of operations. ASU 2017-09 "Compensation-Stock Compensation" (Topic 718) provides guidance about which changes to the terms and conditions of a share-based payment award require an entity to apply modification accounting in Topic 718. The guidance highlights the requirements for applying modification accounting and the exception criteria relating to changes in share-based payment terms. For Arrow, the standard became effective in the first quarter of 2018. The adoption of this change in accounting for share-based payment awards did not have a material impact on its financial position or the results of operations in periods subsequent to its adoption. The following accounting standards have been issued and become effective for the Company at a future date: In February 2016, the FASB issued ASU 2016-02, "Leases" (Topic 842) which requires lessees to recognize right-of-use assets and lease liabilities on the balance sheet for all leases with terms longer than 12 months. For a lease with a term of 12 months or less, a lessee is permitted to make an accounting policy election by class of underlying asset not to recognize a right-of-use asset and lease liability. Additionally, when measuring assets and liabilities arising from a lease, optional payments should be included only if the lessee is reasonably certain to exercise an option to extend the lease, exercise a purchase option or not exercise an option to terminate the lease. In January 2018, the FASB issued ASU 2018-01, Leases (Topic 842): "Land Easement Practical Expedient for Transition to Topic 842". In July 2018, the FASB issued ASU 2018-10 "Codification Improvements to Topic 842, Leases" which provided clarification on certain components of the original guidance, including that the rate implicit in the lease cannot be less than zero. Also in July 2018, the FASB issued ASU 2018-11 "Targeted Improvements" to Leases (Topic 842) which amends the original guidance to allow for the adoption of this standard to be applied retrospectively at the beginning of the period of adoption, which was January 1, 2019 for Arrow without revising prior comparative periods. Practical expedients were elected that did not require Arrow to reassess whether an existing contract contains a lease, to reassess existing leases between operating leases and finance leases and to not reassess initial direct costs for any existing leases. These practical expedients were applied together. Arrow also elected a practical expedient, which must be applied consistently to all of its leases, to use hindsight in determining the lease term when considering lessee options to extend or terminate the lease and in assessing impairment in the right-of-use asset. Arrow also made two accounting policy elections related to the adoption of this standard. The first is a determination not to separate lease and non-lease components and account for the resulting combined component as a single lease component. The second election is to account for short-term leases, those leases with a "lease term" of twelve months or less, like an operating lease under current U.S. GAAP. As a result of the adoption of this standard as of January 1, 2019, the Company's assets and liabilities increased approximately $8 million with no expected material impact to the Consolidated Statements of Income. In June 2016, the FASB issued ASU 2016-13 "Financial Instruments - Credit Losses" (Topic 326) which will change the way financial entities measure expected credit losses for financial assets, primarily loans. Under this ASU, the "incurred loss" model will be replaced with an "expected loss" model which will recognize losses over the life of the instrument and requires consideration of a broader range of reasonable and supportable information. Currently, credit losses on available-for-sale securities reduce the carrying value of the instrument and cannot be reversed. Under this ASU, the amount of the credit loss is carried as a valuation allowance and can be reversed. The standard also requires expanded credit quality disclosures. For Arrow, the standard is effective for the first quarter of 2020 and early adoption is allowed in 2019. The Company plans on adopting the standard in the first quarter of 2020, in order to maximize the accumulation of data needed to calculate the new current expected credit loss ("CECL") methodologies. The ASU describes several acceptable methodologies for calculating expected losses on a loan or a pool of loans and requires additional disclosures. The initial adjustment will not be reported in earnings, but as the cumulative effect of a change in accounting principle. The FASB’s Transition Research Group for credit losses still has several outstanding unresolved questions, some of which may have a significant impact on CECL calculations. The Company continues its implementation efforts with the development and testing of various methods within its core model, developing forecast scenarios, monitoring of guidance interpretations and consideration of relevant internal controls and processes. This will likely have the effect of increasing the allowance for loan and lease losses and reducing shareholders' equity, the extent of which will depend upon the nature and characteristics of the Company's loan portfolio and economic conditions and forecasts at the adoption date. The Company expects to remain a well-capitalized financial institution under current regulatory calculations. In March 2017, the FASB issued ASU 2017-08 "Receivables-Nonrefundable Fees and Other Costs" which amends the amortization period for certain purchased callable debt securities held at a premium. This shortens the amortization period for the premium to the earliest call date. Under GAAP, entities generally amortize the premium as an adjustment of yield over the contractual life of the instrument. For Arrow, the standard becomes effective in the first quarter of 2019. The Company does not expect that the adoption of this change in accounting for certain callable debt securities will have a material impact on its financial position or the results of operations in periods subsequent to its adoption. In August 2018, the FASB issued ASU 2018-13 "Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement" which as part of its disclosure framework, the FASB has eliminated, amended and added disclosure requirements for fair value measurements. The following disclosure requirements were eliminated: Amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy; the policy of the timing of transfers between levels of the fair value hierarchy; the valuation processes for Level 3 fair value measurements. For public companies such as Arrow, the following new disclosures will be required: Changes in unrealized gains and losses for the period included in other comprehensive income (OCI); the range and weighted average of significant unobservable inputs used; alternatively, a company may choose to disclose other quantitative information if it determines that it is a more reasonable and rational method that reflects the distribution of unobservable inputs used. For Arrow, the standard becomes effective in the first quarter of 2020. The Company does not expect that the adoption of this change in fair value disclosure will have a material impact on its financial position or the results of operations in periods subsequent to its adoption. In August 2018, the FASB issued ASU 2018-14 "Disclosure Framework-Changes to the Disclosure Requirements for Defined Benefit Plans" which applies to all companies that provide defined benefit pension or other postretirement benefit plans for their employees. Certain disclosure requirements have been eliminated such as reporting the amounts in accumulated other comprehensive income expected to be recognized as components of net periodic benefit cost over the next year, and reporting the effects of a one-percentage-point change in the assumed healthcare cost trend rate on the aggregate of the service cost and interest cost components of net periodic benefit cost and on the benefit obligation for postretirement healthcare benefits. New required disclosures for reporting the weighted-average interest rate used to credit cash balance and similar plans that have a promised interest credit, the reasons for significant gains and losses affecting benefit obligations and other requirements for reporting aggregate information related to pension plans. For Arrow, the standard becomes effective at December 31, 2020. The Company does not expect that the adoption of this change affecting defined benefit plan disclosures will have a material impact on its financial position or the results of operations. In August 2018, the FASB issued ASU 2018-15 "Customer's Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That Is a Service Contract" which will require companies to defer potentially significant, specified implementation costs incurred in a cloud computing arrangement that are often expensed under current US GAAP. For Arrow, the standard becomes effective at January 1, 2020. The Company is in the process of assessing the impact of this new accounting standard on its financial position and the results of operations in periods subsequent to its adoption.

Cash and Cash Equivalents (Tabl

Cash and Cash Equivalents (Tables)	12 Months Ended
	Dec. 31, 2018
Cash and Cash Equivalents [Abstract]
Schedule of Cash and Cash Equivalents	2018 2017 Cash and Due From Banks $ 56,529 $ 42,562 Interest-Bearing Deposits at Banks 27,710 30,276 Total Cash and Cash Equivalents $ 84,239 $ 72,838 Supplemental Information: Total required reserves, including vault cash and Federal Reserve Bank deposits $ 40,677 $ 30,771

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Available-for-sale Securities	The following table is the schedule of Available-For-Sale Securities at December 31, 2018 and 2017 : Available-For-Sale Securities U.S. Government & Agency Obligations State and Municipal Obligations Mortgage- Backed Securities Corporate and Other Debt Securities Total Available- For-Sale Securities December 31, 2018 Available-For-Sale Securities, at Amortized Cost $ 47,071 $ 1,193 $ 273,227 $ 1,000 $ 322,491 Available-For-Sale Securities, at Fair Value 46,765 1,195 268,775 800 317,535 Gross Unrealized Gains — 2 288 — 290 Gross Unrealized Losses 306 — 4,740 200 5,246 Available-For-Sale Securities, Pledged as Collateral, at Fair Value 236,163 Maturities of Debt Securities, at Amortized Cost: Within One Year 42,068 201 738 — 43,007 From 1 - 5 Years 5,003 512 145,554 — 151,069 From 5 - 10 Years — — 106,777 — 106,777 Over 10 Years — 480 20,158 1,000 21,638 Maturities of Debt Securities, at Fair Value: Within One Year 41,864 204 743 — 42,811 From 1 - 5 Years 4,901 511 142,091 — 147,503 From 5 - 10 Years — — 105,902 — 105,902 Over 10 Years — 480 20,039 800 21,319 Securities in a Continuous Loss Position, at Fair Value: Less than 12 Months $ — $ — $ 107,550 $ — $ 107,550 12 Months or Longer 46,765 — 124,627 800 172,192 Total $ 46,765 $ — $ 232,177 $ 800 $ 279,742 Number of Securities in a Continuous Loss Position 10 — 86 1 97 Unrealized Losses on Securities in a Continuous Loss Position: Less than 12 Months $ — $ — $ 841 $ — $ 841 12 Months or Longer 306 — 3,899 200 4,405 Total $ 306 $ — $ 4,740 $ 200 $ 5,246 Disaggregated Details: US Treasury Obligations, at Amortized Cost $ — US Treasury Obligations, — US Agency Obligations, 47,071 US Agency Obligations, 46,765 US Government Agency Securities, at Amortized Cost $ 72,095 US Government Agency Securities, at Fair Value 71,800 Government Sponsored Entity Securities, at Amortized Cost 201,132 Government Sponsored Entity 196,975
Held-to-maturity Securities	The following table is the schedule of Held-To-Maturity Securities at December 31, 2018 and 2017 : Held-To-Maturity Securities State and Municipal Obligations Mortgage- Backed Securities Total Held-To Maturity Securities December 31, 2018 Held-To-Maturity Securities, at Amortized Cost $ 235,782 $ 47,694 $ 283,476 Held-To-Maturity Securities, at Fair Value 233,359 46,979 280,338 Gross Unrealized Gains 486 — 486 Gross Unrealized Losses 2,909 715 3,624 Held-To-Maturity Securities, Pledged as Collateral, at Fair Value 266,341 Maturities of Debt Securities, at Amortized Cost: Within One Year 27,426 — 27,426 From 1 - 5 Years 93,495 47,694 141,189 From 5 - 10 Years 112,499 — 112,499 Over 10 Years 2,362 — 2,362 Maturities of Debt Securities, at Fair Value: Within One Year 27,464 — 27,464 From 1 - 5 Years 93,130 46,979 140,109 From 5 - 10 Years 110,396 — 110,396 Over 10 Years 2,369 — 2,369 Securities in a Continuous Loss Position, at Fair Value: Less than 12 Months $ 32,093 $ 33,309 $ 65,402 12 Months or Longer 110,947 13,670 124,617 Total $ 143,040 $ 46,979 $ 190,019 Number of Securities in a Continuous Loss Position 411 47 458 Unrealized Losses on Securities in a Continuous Loss Position: Less than 12 Months $ 162 $ 456 $ 618 12 Months or Longer 2,747 259 3,006 Total $ 2,909 $ 715 $ 3,624 Disaggregated Details: US Government Agency $ 2,180 US Government Agency 2,143 Government Sponsored Entity 45,514 Government Sponsored Entity 44,836 Held-To-Maturity Securities State and Municipal Obligations Mortgage- Backed Securities Total Held-To Maturity Securities December 31, 2017 Held-To-Maturity Securities, at Amortized Cost $ 275,530 $ 60,377 $ 335,907 Held-To-Maturity Securities, at Fair Value 275,353 60,548 335,901 Gross Unrealized Gains 1,691 269 1,960 Gross Unrealized Losses 1,868 98 1,966 Held-To-Maturity Securities, Pledged as Collateral, at Fair Value 318,622 Securities in a Continuous Loss Position, at Fair Value: Less than 12 Months $ 55,648 $ 13,764 $ 69,412 12 Months or Longer 65,152 3,257 68,409 Total $ 120,800 $ 17,021 $ 137,821 Number of Securities in a Continuous Loss Position 352 14 366 Unrealized Losses on Securities in a Continuous Loss Position: Less than 12 Months $ 442 $ 56 $ 498 12 Months or Longer 1,425 43 1,468 Total $ 1,867 $ 99 $ 1,966 Disaggregated Details: US Government Agency $ 2,680 US Government Agency 2,661 Government Sponsored Entity 57,697 Government Sponsored Entity 57,887
Debt Securities, Trading, and Equity Securities, FV-NI	The following table is the schedule of Equity Securities at December 31, 2018 . Upon the adoption of ASU 2016-01 effective January 1, 2018, Equity Securities are not included in Securities Available-For-Sale since unrealized gains and losses are now recorded in the Consolidated Statements of Income. Prior to January 1, 2018, Equity Securities were included in Securities Available-For-Sale. Equity Securities December 31, 2018 Equity Securities, at Fair Value $ 1,774
Gain (Loss) on Securities	The following is a summary of realized and unrealized gains and losses recognized in net income on equity securities during the year ended December 31, 2018 : Twelve months ended December 31, 2018 Net Gain on Equity Securities $ 213 Less: Net gain (loss) recognized during the reporting period on equity securities sold during the period — Unrealized net gain recognized during the reporting period on equity securities still held at the reporting date $ 213
Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank	Schedule of Federal Reserve Bank and Federal Home Loan Bank Stock (at cost) December 31, 2018 2017 Federal Reserve Bank Stock $ 1,132 $ 1,120 Federal Home Loan Bank Stock 14,374 8,829 Total Federal Reserve Bank and Federal Home Loan Bank Stock $ 15,506 $ 9,949

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2018
Loans and Leases Receivable Disclosure [Abstract]
Past Due Financing Receivables	Loan Categories and Past Due Loans The following table presents loan balances outstanding as of December 31, 2018 and December 31, 2017 and an analysis of the recorded investment in loans that are past due at these dates. Generally, Arrow considers a loan past due 30 or more days if the borrower is two or more payments past due. Schedule of Past Due Loans by Loan Category Commercial Commercial Real Estate Consumer Residential Total December 31, 2018 Loans Past Due 30-59 Days $ 121 $ 108 $ 5,369 $ 281 $ 5,879 Loans Past Due 60-89 Days 49 — 2,136 1,908 4,093 Loans Past Due 90 or More Days — 789 572 1,844 3,205 Total Loans Past Due 170 897 8,077 4,033 13,177 Current Loans 136,720 483,665 711,433 851,220 2,183,038 Total Loans $ 136,890 $ 484,562 $ 719,510 $ 855,253 $ 2,196,215 Loans 90 or More Days Past Due and Still Accruing Interest $ — $ — $ 144 $ 1,081 $ 1,225 Nonaccrual Loans 403 789 658 2,309 4,159 December 31, 2017 Loans Past Due 30-59 Days $ 139 $ — $ 5,891 $ 2,094 $ 8,124 Loans Past Due 60-89 Days 19 — 1,215 509 1,743 Loans Past Due 90 or more Days 99 807 513 1,422 2,841 Total Loans Past Due 257 807 7,619 4,025 12,708 Current Loans 128,992 443,441 595,208 770,421 1,938,062 Total Loans $ 129,249 $ 444,248 $ 602,827 $ 774,446 $ 1,950,770 Loans 90 or More Days Past Due and Still Accruing Interest $ — $ — $ 6 $ 313 $ 319 Nonaccrual Loans $ 588 $ 1,530 $ 653 $ 2,755 $ 5,526
Financing Receivable Supplemental Information	Schedule of Supplemental Loan Information 2018 2017 Supplemental Information : Unamortized deferred loan origination costs, net of deferred loan origination fees, included in the above balances $ 4,494 $ 4,055 Overdrawn deposit accounts, included in the above balances 572 473 Pledged loans secured by one-to-four family residential mortgages under a blanket collateral agreement to secure borrowings from the Federal Home Loan Bank of New York 550,750 511,301 Residential real estate loans serviced for Freddie Mac, not included in the balances above 133,747 149,377 Loans held for sale at period-end, included in the above balances 215 327
Allowance for Credit Losses on Financing Receivables	Allowance for Loan Losses The following table presents a roll forward of the allowance for loan losses and other information pertaining to the allowance for loan losses: Allowance for Loan Losses Commercial Commercial Real Estate Consumer Residential Unallocated Total Rollfoward of the Allowance for Loan Losses for the Year Ended: December 31, 2017 $ 1,873 $ 4,504 $ 7,604 $ 4,605 $ — $ 18,586 Charge-offs (153 ) (17 ) (1,246 ) (116 ) — (1,532 ) Recoveries 3 12 520 — — 535 Provision (505 ) 1,145 2,004 (37 ) — 2,607 December 31, 2018 $ 1,218 $ 5,644 $ 8,882 $ 4,452 $ — $ 20,196 December 31, 2016 $ 1,017 $ 5,677 $ 6,120 $ 4,198 $ — $ 17,012 Charge-offs (2 ) (380 ) (1,101 ) (76 ) — (1,559 ) Recoveries 9 — 388 — — 397 Provision 849 (793 ) 2,197 483 — 2,736 December 31, 2017 $ 1,873 $ 4,504 $ 7,604 $ 4,605 $ — $ 18,586 Allowance for Loan Losses Commercial Commercial Real Estate Consumer Residential Unallocated Total December 31, 2015 $ 1,827 $ 4,520 $ 5,554 $ 3,790 $ 347 $ 16,038 Charge-offs (97 ) (195 ) (871 ) (107 ) — (1,270 ) Recoveries 23 — 182 6 — 211 Provision (736 ) 1,352 1,255 509 (347 ) 2,033 December 31, 2016 $ 1,017 $ 5,677 $ 6,120 $ 4,198 $ — $ 17,012 December 31, 2018 Allowance for loan losses - Loans Individually Evaluated for Impairment $ — $ — $ — $ 4 $ — $ 4 Allowance for loan losses - Loans Collectively Evaluated for Impairment $ 1,218 $ 5,644 $ 8,882 $ 4,448 $ — $ 20,192 Ending Loan Balance - Individually Evaluated for Impairment $ 430 $ 793 $ 101 $ 1,899 $ — $ 3,223 Ending Loan Balance - Collectively Evaluated for Impairment $ 136,460 $ 483,769 $ 719,409 $ 853,354 $ — $ 2,192,992 December 31, 2017 Allowance for loan losses - Loans Individually Evaluated for Impairment $ 94 $ 2 $ — $ 10 $ — $ 106 Allowance for loan losses - Loans Collectively Evaluated for Impairment $ 1,779 $ 4,502 $ 7,604 $ 4,595 $ — $ 18,480 Ending Loan Balance - Individually Evaluated for Impairment $ 489 $ 1,537 $ 95 $ 1,562 $ — $ 3,683 Ending Loan Balance - Collectively Evaluated for Impairment $ 128,760 $ 442,711 $ 602,732 $ 772,884 $ — $ 1,947,087
Financing Receivable Credit Quality Indicators	Loan Credit Quality Indicators The following table presents the credit quality indicators by loan category at December 31, 2018 and December 31, 2017 : Loan Credit Quality Indicators Commercial Commercial Real Estate Consumer Residential Total December 31, 2018 Credit Risk Profile by Creditworthiness Category: Satisfactory $ 129,584 $ 456,868 $ 586,452 Special Mention — — — Substandard 7,306 26,905 34,211 Doubtful — 789 789 Credit Risk Profile Based on Payment Activity: Performing $ 718,708 $ 851,863 1,570,571 Nonperforming 802 3,390 4,192 December 31, 2017 Credit Risk Profile by Creditworthiness Category: Satisfactory $ 124,961 $ 417,362 $ 542,323 Special Mention 1,341 177 1,518 Substandard 2,947 25,902 28,849 Doubtful — 807 807 Credit Risk Profile Based on Payment Activity: Performing $ 602,168 $ 771,584 1,373,752 Nonperforming 659 3,068 3,727
Impaired Financing Receivables	Impaired Loans The following table presents information on impaired loans based on whether the impaired loan has a recorded allowance or no recorded allowance: Impaired Loans Commercial Commercial Real Estate Consumer Residential Total December 31, 2018 Recorded Investment: With No Related Allowance $ 430 $ 793 $ 101 $ 1,605 $ 2,929 With a Related Allowance — — — 294 294 Unpaid Principal Balance: With No Related Allowance $ 429 $ 793 $ 100 $ 1,606 $ 2,928 With a Related Allowance — — — 293 293 December 31, 2017 Recorded Investment: With No Related Allowance $ — $ 781 $ 94 $ 1,269 $ 2,144 With a Related Allowance 485 725 — 333 1,543 Unpaid Principal Balance: With No Related Allowance $ — $ 816 $ 95 $ 1,274 $ 2,185 With a Related Allowance 489 721 — 288 1,498 For the Year-To-Date Period Ended: December 31, 2018 Average Recorded Balance: With No Related Allowance $ 215 $ 787 $ 98 $ 1,437 $ 2,537 With a Related Allowance 243 363 — 314 920 Interest Income Recognized: With No Related Allowance $ — $ — $ 1 $ 18 $ 19 With a Related Allowance — — — — — Cash Basis Income: With No Related Allowance $ — $ — $ — $ — $ — With a Related Allowance — — — — — December 31, 2017 Average Recorded Balance: With No Related Allowance $ — $ 836 $ 93 $ 1,184 $ 2,113 With a Related Allowance 243 363 — 167 $ 773 Interest Income Recognized: With No Related Allowance $ — $ 34 $ — $ 23 $ 57 With a Related Allowance 1 2 — 23 26 Cash Basis Income: With No Related Allowance $ — $ — $ — $ — $ — With a Related Allowance — — — — — December 31, 2016 Average Recorded Balance: With No Related Allowance $ 78 $ 1,631 $ 103 $ 872 $ 2,684 With a Related Allowance — — — — $ — Interest Income Recognized: With No Related Allowance $ — $ 29 $ 6 $ 1 $ 36 With a Related Allowance — — — — — Cash Basis Income: With No Related Allowance $ — $ — $ — $ — $ — With a Related Allowance — — — — —
Troubled Debt Restructurings on Financing Receivables	Loans Modified in Trouble Debt Restructurings The following table presents information on loans modified in trouble debt restructurings during the periods indicated: Loans Modified in Trouble Debt Restructurings During the Period Commercial Commercial Real Estate Consumer Residential Total For the Year Ended: December 31, 2018 Number of Loans 1 — 5 — 6 Pre-Modification Outstanding Recorded Investment $ 38 $ — $ 44 $ — $ 82 Post-Modification Outstanding Recorded Investment $ 38 $ — $ 44 $ — $ 82 Subsequent Default, Number of Contracts — — — — — Subsequent Default, Recorded Investment — — — — — Commitments to lend additional funds to modified loans — — — — — December 31, 2017 Number of Loans 1 1 6 — 8 Pre-Modification Outstanding Recorded Investment $ 503 $ 725 $ 51 $ — $ 1,279 Post-Modification Outstanding Recorded Investment $ 503 $ 725 $ 51 $ — $ 1,279 Subsequent Default, Number of Contracts — — — — — Subsequent Default, Recorded Investment — — — — — Commitments to lend additional funds to modified loans — — — — — December 31, 2016 Number of Loans — — 4 — 4 Pre-Modification Outstanding Recorded Investment $ — $ — $ 39 $ — $ 39 Post-Modification Outstanding Recorded Investment $ — $ — $ 39 $ — $ 39 Subsequent Default, Number of Contracts — — — — — Subsequent Default, Recorded Investment — — — — — Commitments to lend additional funds to modified loans — — — — —

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2018
Property, Plant and Equipment [Abstract]
Property, Plant and Equipment	A summary of premises and equipment at December 31, 2018 and 2017 is presented below: 2018 2017 Land and Bank Premises $ 35,010 $ 35,254 Equipment, Furniture and Fixtures 30,192 25,662 Leasehold Improvements 1,921 1,901 Total Cost 67,123 62,817 Accumulated Depreciation and Amortization (36,677 ) (35,198 ) Net Premises and Equipment $ 30,446 $ 27,619

Other Intangible Assets (Tables

Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Finite-Lived Intangible Assets	The following table presents information on Arrow ’ s other intangible assets (other than goodwill) as of December 31, 2018 , 2017 and 2016 : Depositor Intangibles 1 Mortgage Servicing Rights 2 Customer Intangibles 1 Total Gross Carrying Amount, December 31, 2018 $ 2,247 $ 2,061 $ 4,382 $ 8,690 Accumulated Amortization (2,247 ) (1,799 ) (2,792 ) (6,838 ) Net Carrying Amount, December 31, 2018 $ — $ 262 $ 1,590 $ 1,852 Gross Carrying Amount, December 31, 2017 $ 2,247 $ 2,061 $ 4,382 $ 8,690 Accumulated Amortization (2,247 ) (1,624 ) (2,530 ) (6,401 ) Net Carrying Amount, December 31, 2017 $ — $ 437 $ 1,852 $ 2,289 Rollforward of Intangible Assets: Balance, December 31, 2015 $ — $ 679 $ 2,428 $ 3,107 Intangible Assets Acquired — 146 — 146 Intangible Assets Disposed — — — — Amortization of Intangible Assets — (260 ) (297 ) (557 ) Balance, December 31, 2016 — 565 2,131 2,696 Intangible Assets Acquired — 93 — 93 Intangible Assets Disposed — — — — Amortization of Intangible Assets — (221 ) (279 ) (500 ) Balance, December 31, 2017 — 437 1,852 2,289 Intangible Assets Acquired — — — — Intangible Assets Disposed — — — — Amortization of Intangible Assets — (175 ) (262 ) (437 ) Balance, December 31, 2018 $ — $ 262 $ 1,590 $ 1,852 1 Amortization of depositor intangibles and customer intangibles are reported in the Consolidated Statements of Income as a component of other operating expense. 2 Amortization of mortgage servicing rights is reported in the Consolidated Statements of Income as a reduction of mortgage servicing fee income, which is included with fees for other services to customers.
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense	The following table presents the remaining estimated annual amortization expense for Arrow's intangible assets as of December 31, 2018 : Mortgage Servicing Rights Customer Intangibles Total Estimated Annual Amortization Expense: 2019 $ 103 $ 245 $ 348 2020 71 227 298 2021 50 210 260 2022 29 193 222 2023 9 176 185 2024 and beyond — 539 539 Total $ 262 $ 1,590 $ 1,852

Guarantees (Tables)

Guarantees (Tables)	12 Months Ended
	Dec. 31, 2018
Guarantees [Abstract]
Schedule of Guarantor Obligations	The following table presents the notional amount and fair value of Arrow's off-balance sheet commitments to extend credit and commitments under standby letters of credit as of December 31, 2018 and 2017 : Balance at December 31, 2018 2017 Notional Amount: Commitments to Extend Credit $ 321,143 $ 315,256 Standby Letters of Credit 4,466 3,526 Fair Value: Commitments to Extend Credit $ — $ — Standby Letters of Credit 12 23

Time Deposits (Tables)

Time Deposits (Tables)	12 Months Ended
	Dec. 31, 2018
Maturities of Time Deposits [Abstract]
Maturities of Time Deposits	The following summarizes the contractual maturities of time deposits during years subsequent to December 31, 2018 : Year of Maturity Total Time Deposits 2019 $ 168,464 2020 49,965 2021 18,989 2022 9,208 2023 4,713 2024 and beyond 12,648 Total $ 263,987

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2018
Debt Disclosure [Abstract]
Schedule of Short-term Debt	Schedule of Short-Term Borrowings: 2018 2017 Balances at December 31: Overnight Advances from the Federal Home Loan Bank of New York $ 234,000 $ 105,000 Securities Sold Under Agreements to Repurchase 54,659 64,966 Total Short-Term Borrowings $ 288,659 $ 169,966 Maximum Borrowing Capacity at December 31: Federal Funds Purchased $ 57,000 $ 35,000 Federal Home Loan Bank of New York 550,750 511,301 Federal Reserve Bank of New York 489,809 424,724
Schedule of Financial Instruments Owned and Pledged as Collateral	Investment securities with a fair value of $65.5 million and $66.6 million were pledged as collateral for the securities sold under agreements to repurchase at December 31, 2018 and 2017 , respectively, and are presented in the table below: 2018 2017 Balances at December 31: U.S. Government & Agency Obligations $ 22,314 $ 37,329 Mortgage-Backed Securities 43,155 29,284 Total Pledged Collateral for Repo Accounts $ 65,469 $ 66,613
Schedule of Maturities of Long-term Debt	Maturity Schedule of FHLBNY Term Advances : Balances Weighted Average Rate Final Maturity 2018 2017 2018 2017 First Year $ 20,000 $ 10,000 1.70 % 1.50 % Second Year 25,000 20,000 2.02 % 1.70 % Third Year — 25,000 — % 2.02 % Fourth Year — — — % — % Fifth Year — — — % — % Total $ 45,000 $ 55,000 1.88 % 1.81 %
Schedule of Long-term Debt Instruments	Schedule of Guaranteed Preferred Beneficial Interests in Corporation's Junior Subordinated Debentures 2018 2017 ACST II Balance at December 31, $ 10,000 $ 10,000 Period-End Interest Rate 5.55 % 4.49 % ACST III Balance at December 31, $ 10,000 $ 10,000 Period-End Interest Rate 4.40 % 3.34 %

Comprehensive Income (Tables)

Comprehensive Income (Tables)	12 Months Ended
	Dec. 31, 2018
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of Comprehensive Income (Loss)	The following table presents the components of other comprehensive income for the years ended December 31, 2018 , 2017 and 2016 : Schedule of Comprehensive Income Before-Tax Amount Tax Expense (Benefit) Net-of-Tax Amount 2018 Net Unrealized Securities Holding Losses Arising During the Period $ (2,839 ) $ 723 $ (2,116 ) Net Retirement Plan Loss (3,798 ) 965 (2,833 ) Net Retirement Plan Prior Service Credit (453 ) 115 (338 ) Amortization of Net Retirement Plan Actuarial Loss 325 (83 ) 242 Accretion of Net Retirement Plan Prior Service Credit 108 (28 ) 80 Other Comprehensive Income (Loss) $ (6,657 ) $ 1,692 $ (4,965 ) 2017 Net Unrealized Securities Holding Losses Arising During the Period $ (1,505 ) $ 565 $ (940 ) Reclassification Adjustment for Securities Losses Included in Net Income 448 (111 ) 337 Net Retirement Plan Loss 287 (73 ) 214 Amortization of Net Retirement Plan Actuarial Loss 411 (49 ) 362 Accretion of Net Retirement Plan Prior Service Credit (11 ) 3 (8 ) Other Comprehensive Income $ (370 ) $ 335 $ (35 ) 2016 Net Unrealized Securities Holding Losses Arising During the Period $ (1,672 ) $ 648 $ (1,024 ) Reclassification Adjustment for Securities Gains Included in Net Income 22 (9 ) 13 Net Retirement Plan Losses 3,017 (1,296 ) 1,721 Amortization of Net Retirement Plan Actuarial Loss 716 (281 ) 435 Accretion of Net Retirement Plan Prior Service Credit (12 ) 5 (7 ) Other Comprehensive Loss $ 2,071 $ (933 ) $ 1,138
Schedule of Accumulated Other Comprehensive Income (Loss)	The following table presents the changes in accumulated other comprehensive income by component: Changes in Accumulated Other Comprehensive Income (Loss) by Component (1) Unrealized Defined Benefit Plan Items Gains and Losses on Net Prior Available-for- Net Gain Service Sale Securities (Loss) (Cost ) Credit Total For the Year-To-Date periods ended: December 31, 2017 $ (1,250 ) $ (6,380 ) $ (884 ) $ (8,514 ) Other comprehensive loss before reclassifications (2,116 ) (2,833 ) (338 ) (5,287 ) Amounts reclassified from accumulated other comprehensive loss 242 80 322 Net current-period other comprehensive loss (2,116 ) (2,591 ) (258 ) (4,965 ) Amounts reclassified from accumulated other comprehensive loss (331 ) (331 ) December 31, 2018 $ (3,697 ) $ (8,971 ) $ (1,142 ) $ (13,810 ) December 31, 2016 $ (382 ) $ (5,737 ) $ (715 ) $ (6,834 ) Other comprehensive income (loss) before reclassifications (940 ) 214 — (726 ) Amounts reclassified from accumulated other comprehensive income (loss) 337 362 (8 ) 691 Net current-period other comprehensive income (603 ) 576 (8 ) (35 ) Reclassification due to the adoption of ASU No. 2018-02 $ (265 ) $ (1,219 ) $ (161 ) $ (1,645 ) December 31, 2017 $ (1,250 ) $ (6,380 ) $ (884 ) $ (8,514 ) December 31, 2015 $ 629 $ (7,893 ) $ (708 ) $ (7,972 ) Other comprehensive income (loss) before reclassifications (1,024 ) 1,721 — 697 Amounts reclassified from accumulated other comprehensive income (loss) 13 435 (7 ) 441 Net current-period other comprehensive income (loss) (1,011 ) 2,156 (7 ) 1,138 December 31, 2016 $ (382 ) $ (5,737 ) $ (715 ) $ (6,834 ) (1) All amounts are net of tax. Amounts in parentheses indicate debits.
Reclassification out of Accumulated Other Comprehensive Income	The following table presents the reclassifications out of accumulated other comprehensive income: Reclassifications Out of Accumulated Other Comprehensive Income (1) Amounts Reclassified Details about Accumulated Other from Accumulated Other Affected Line Item in the Statement Comprehensive Income Components Comprehensive Income Where Net Income Is Presented For the Year-to-date periods ended: December 31, 2018 Unrealized gains and losses on available-for-sale securities $ — Loss on Securities Transactions, Net — Total before tax — Provision for Income Taxes $ — Net of tax Amortization of defined benefit pension items Prior-service costs $ (108 ) (2) Salaries and Employee Benefits Actuarial gains/(losses) (325 ) (2) Salaries and Employee Benefits (433 ) Total before tax 111 Provision for Income Taxes $ (322 ) Net of tax Total reclassifications for the period $ (322 ) Net of tax December 31, 2017 Unrealized gains and losses on available-for-sale securities $ (448 ) Loss on Securities Transactions, Net (448 ) Total before tax 111 Provision for Income Taxes $ (337 ) Net of tax Amortization of defined benefit pension items Prior-service costs 11 (2) Salaries and Employee Benefits Actuarial gains/(losses) $ (411 ) (2) Salaries and Employee Benefits (400 ) Total before tax 46 Provision for Income Taxes $ (354 ) Net of tax Total reclassifications for the period $ (691 ) Net of tax Reclassifications Out of Accumulated Other Comprehensive Income (1) Amounts Reclassified Details about Accumulated Other from Accumulated Other Affected Line Item in the Statement Comprehensive Income Components Comprehensive Income Where Net Income Is Presented December 31, 2016 Unrealized gains and losses on available-for-sale securities $ (22 ) Gain on Securities Transactions, Net (22 ) Total before tax 9 Provision for Income Taxes $ (13 ) Net of tax Amortization of defined benefit pension items Prior-service costs 12 (2) Salaries and Employee Benefits Actuarial gains/(losses) $ (716 ) (2) Salaries and Employee Benefits (704 ) Total before tax 276 Provision for Income Taxes $ (428 ) Net of tax Total reclassifications for the period $ (441 ) Net of tax (1) Amounts in parentheses indicate debits to profit/loss. (2) These accumulated other comprehensive income components are included in the computation of net periodic pension cost (see pension footnote for additional details).

Stock Based Compensation (Table

Stock Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Disclosure of Share-based Compensation Arrangements by Share-based Payment Award	Long Term Incentive Plan The Long Term Incentive Plan provides for the grant of incentive stock options, non-qualified stock options, restricted stock, restricted stock units, performance units and performance shares. The Compensation Committee of the Board of Directors administers the Long Term Incentive Plan. Shares Available for Grant at Period-End 261,614 The following table summarizes information about restricted stock unit activity for the year ended December 31, 2018 which was the first year the company has granted restricted stock units. Restricted Stock Units Weighted Average Grant Date Fair Value Non-vested at January 1, 2018 — $ — Granted 3,377 $ 32.57 Vested — $ — Canceled — $ — Non-vested at December 31, 2018 3,377 $ 32.57 The following table presents information on the amounts expensed related to Restricted Stock Units awarded pursuant to the Long Term Incentive Plan for the year ended December 31, 2018 . 2018 Amount Expensed During the Year 34 Compensation Costs for Non-vested Awards Not Yet Recognized 76 The following table summarizes information about stock option activity for the year ended December 31, 2018 . Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at January 1, 2018 356,540 23.42 Granted 53,466 31.84 Exercised (107,818 ) 20.92 Forfeited (17,666 ) 27.06 Outstanding at December 31, 2018 284,522 25.67 5.44 1,807 Vested at Period-End 172,410 22.56 3.68 1,631 Expected to Vest 112,112 30.46 8.16 176
Schedule of Share-based Compensation, Shares Authorized under Stock Option Plans, by Exercise Price Range	Schedule of Stock Options Granted Under the Long Term Incentive Plan by Exercise Price Range Exercise Price Ranges $17.48 $19.58 to $20.93 $21.50 to $21.99 $23.19 to $23.66 $31.84 $35.07 Total Outstanding at December 31, 2018 Number of Stock Options Outstanding 5,763 61,569 52,683 69,175 50,376 44,956 284,522 Weighted-Average Remaining Contractual Life (in years) 0.06 1.65 3.75 6.34 9.09 7.86 5.44 Weighted-Average Exercise Price 17.48 20.32 21.81 23.45 31.84 35.07 25.67 Vested at December 31, 2018 Number of Stock Options Outstanding 5,763 61,569 52,683 38,243 1,030 13,122 172,410 Weighted-Average Remaining Contractual Life (in years) 0.06 1.65 3.75 6.00 9.09 7.36 3.68 Weighted-Average Exercise Price 17.48 20.32 21.81 23.40 31.84 35.07 22.55
Other Stock Based Compensation Disclosure Table	Schedule of Other Information on Stock Options Granted 2018 2017 2016 Stock Options Granted 53,466 57,290 60,101 Weighted Average Grant Date Information: Fair Value of Options Granted $ 5.59 $ 6.07 $ 5.28 Fair Value Assumptions: Dividend Yield 2.98 % 2.72 % 3.88 % Expected Volatility 21.55 % 21.40 % 32.95 % Risk Free Interest Rate 2.68 % 2.25 % 1.80 % Expected Lives (in years) 6.98 6.88 7.56 Amount Expensed During the Year $ 322 $ 351 $ 287 Compensation Costs for Non-vested Awards Not Yet Recognized 504 528 521 Weighted Average Expected Vesting Period, In Years 2.74 2.59 2.71 Proceeds From Stock Options Exercised 2,255 $ 1,190 $ 2,404 Tax Benefits Related to Stock Options Exercised 240 168 188 Intrinsic Value of Stock Options Exercised 1,552 825 1,010
Schedule of Employee Stock Ownership Plan (ESOP) Disclosures	Schedule of ESOP Compensation Expense 2018 2017 2016 ESOP Compensation Expense $ 1,400 $ 1,400 $ 1,200 Shares pledged as collateral are reported as unallocated ESOP shares in stockholders’ equity. As shares are released from collateral, Arrow reports compensation expense equal to the current average market price of the shares, and the shares become outstanding for earnings per share computations. The ESOP shares as of December 31, 2018 were as follows: Schedule of Shares in ESOP Plan ESOP Plan Shares: 2018 Allocated Shares 758,101 Shares Released for Allocation During 2018 4,931 Unallocated Shares 5,001 Total ESOP Shares 768,033 Market Value of Unallocated Shares $ 160

Retirement Benefit Plans (Table

Retirement Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2018
Retirement Benefits [Abstract]
Schedule of Defined Benefit Plans Disclosures	The following tables set forth changes in the plans’ benefit obligations (projected benefit obligation for pension benefits and accumulated benefit obligation for postretirement benefits) and changes in the plans’ assets and the funded status of the pension plans and other postretirement benefit plan at December 31: Schedule of Defined Benefit Plan Disclosures Employees' Pension Plan Select Executive Retirement Plan Postretirement Benefit Plans Defined Benefit Plan Funded Status December 31, 2018 Fair Value of Plan Assets $ 48,445 $ — $ — Benefit Obligation 38,069 4,710 7,706 Funded Status of Plan $ 10,376 $ (4,710 ) $ (7,706 ) December 31, 2017 Fair Value of Plan Assets $ 53,571 $ — $ — Benefit Obligation 38,921 4,586 7,727 Funded Status of Plan $ 14,650 $ (4,586 ) $ (7,727 ) Change in Benefit Obligation Benefit Obligation, at January 1, 2018 $ 38,921 $ 4,586 $ 7,727 Service Cost 1 1,557 414 136 Interest Cost 2 1,598 192 333 Plan Participants' Contributions — — 416 Amendments — — 453 Actuarial (Gain) Loss (795 ) (17 ) (664 ) Benefits Paid (3,212 ) (465 ) (695 ) Benefit Obligation, at December 31, 2018 $ 38,069 $ 4,710 $ 7,706 Benefit Obligation, at January 1, 2017 $ 36,154 $ 4,547 $ 7,623 Service Cost 1 1,392 45 130 Interest Cost 2 1,682 209 339 Plan Participants' Contributions — — 492 Amendments — — — Actuarial (Gain) Loss 2,440 245 (14 ) Benefits Paid (2,747 ) (460 ) (843 ) Benefit Obligation, at December 31, 2017 $ 38,921 $ 4,586 $ 7,727 Change in Fair Value of Plan Assets Fair Value of Plan Assets, at January 1, 2018 $ 53,571 $ — $ — Actual Return on Plan Assets (1,914 ) — — Employer Contributions — 465 279 Plan Participants' Contributions — — 416 Benefits Paid (3,212 ) (465 ) (695 ) Fair Value of Plan Assets, at December 31, 2017 $ 48,445 $ — $ — Fair Value of Plan Assets, at January 1, 2017 $ 50,220 $ — $ — Actual Return on Plan Assets 6,098 — — Employer Contributions — 460 351 Plan Participants' Contributions — — 492 Benefits Paid (2,747 ) (460 ) (843 ) Fair Value of Plan Assets, at December 31, 2017 $ 53,571 $ — $ — Accumulated Benefit Obligation at December 31, 2018 $ 37,749 $ 4,672 $ 7,706 Schedule of Defined Benefit Plan Disclosures Employees' Pension Plan Select Executive Retirement Plan Postretirement Benefit Plans Amounts Recognized in the Consolidated Balance Sheets December 31, 2018 Prepaid Pension Asset $ 10,376 $ — — Accrued Benefit Liability — (4,710 ) (7,706 ) Net Benefit Recognized $ 10,376 $ (4,710 ) $ (7,706 ) December 31, 2017 Prepaid Pension Asset $ 14,650 $ — — Accrued Benefit Liability — (4,586 ) (7,727 ) Net Benefit Recognized $ 14,650 $ (4,586 ) $ (7,727 ) Amounts Recognized in Other Comprehensive Income (Loss) For the Year Ended December 31, 2018 Net Unamortized Loss (Gain) Arising During the Period $ 4,480 $ (17 ) $ (665 ) Net Prior Service Cost Arising During the Period — — 453 Amortization of Net Loss (194 ) (131 ) — Amortization of Prior Service Credit (Cost) 49 (57 ) (100 ) Total Other Comprehensive (Loss) for Pension and Other Postretirement Benefit Plans $ 4,335 $ (205 ) $ (312 ) For the Year Ended December 31, 2017 Net Unamortized (Gains) Loss Arising During the Period $ (517 ) $ 244 $ (14 ) Net Prior Service Cost Arising During the Period — — — Amortization of Net (Gains) Loss (306 ) (129 ) 24 Amortization of Prior Service Credit (Cost) 57 (57 ) 11 Total Other Comprehensive Income (Loss) for Pension and Other Postretirement Benefit Plans $ (766 ) $ 58 $ 21 For the Year Ended December 31, 2016 Net Unamortized Loss Arising During the Period $ (2,657 ) $ (32 ) $ (328 ) Net Prior Service Cost Arising During the Period — — — Amortization of Net Loss (591 ) (125 ) — Amortization of Prior Service (Cost) Credit 57 (57 ) 12 Total Other Comprehensive (Loss) Income for Pension and Other Postretirement Benefit Plans $ (3,191 ) $ (214 ) $ (316 ) Accumulated Other Comprehensive Income December 31, 2018 Net Actuarial Loss (Gains) $ 10,942 $ 1,979 $ (893 ) Prior Service (Credit) Cost 313 432 786 Total Accumulated Other Comprehensive Income, Before Tax $ 11,255 $ 2,411 $ (107 ) December 31, 2017 Net Actuarial Loss (Gains) $ 6,656 $ 2,127 $ (228 ) Prior Service (Credit) Cost 264 489 433 Total Accumulated Other Comprehensive Income, Before Tax $ 6,920 $ 2,616 $ 205 Amounts that will be Amortized from Accumulated Other Comprehensive Income the Next Year Net Actuarial Loss (Gain) $ 612 $ 106 $ (70 ) Prior Service Cost $ 69 $ 54 $ 101 Schedule of Defined Benefit Plan Disclosures Employees' Pension Plan Select Executive Retirement Plan Postretirement Benefit Plans Net Periodic Benefit Cost For the Year Ended December 31, 2018 Service Cost 1 $ 1,557 $ 414 $ 136 Interest Cost 2 1,598 192 333 Expected Return on Plan Assets 2 (3,362 ) — — Amortization of Prior Service (Credit) Cost 2 (49 ) 57 100 Amortization of Net Loss 2 194 131 — Net Periodic Benefit Cost $ (62 ) $ 794 $ 569 For the Year Ended December 31, 2017 Service Cost 1 $ 1,392 $ 45 $ 130 Interest Cost 2 1,682 209 339 Expected Return on Plan Assets 2 (3,141 ) — — Amortization of Prior Service (Credit) Cost 2 (57 ) 57 (11 ) Amortization of Net Loss 2 306 129 (24 ) Net Periodic Benefit Cost $ 182 $ 440 $ 434 For the Year Ended December 31, 2016 Service Cost 1 $ 1,400 $ 40 $ 147 Interest Cost 2 1,641 206 340 Expected Return on Plan Assets 2 (3,198 ) — — Amortization of Prior Service (Credit) Cost 2 (57 ) 57 (12 ) Amortization of Net Loss 2 591 125 — Net Periodic Benefit Cost $ 377 $ 428 $ 475 Weighted-Average Assumptions Used in Calculating Benefit Obligation December 31, 2018 Discount Rate 4.81 % 4.80 % 4.81 % Rate of Compensation Increase 3.50 % 3.50 % 3.50 % Interest Rate Credit for Determining Projected Cash Balance Account 3.36 % 3.36 % December 31, 2017 Discount Rate 4.24 % 4.18 % 4.22 % Rate of Compensation Increase 3.50 % 3.50 % 3.50 % Interest Rate Credit for Determining Projected Cash Balance Account 3.00 % 3.00 % Interest Rate to Annuitize Cash Balance Account 4.25 % 4.25 % Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts 4.25 % 4.25 % Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost December 31, 2018 Discount Rate 4.24 % 4.18 % 4.22 % Expected Long-Term Return on Plan Assets 6.50 % Rate of Compensation Increase 3.50 % 3.50 % 3.50 % Interest Rate Credit for Determining Projected Cash Balance Account 3.00 % 3.00 % Schedule of Defined Benefit Plan Disclosures Employees' Pension Plan Select Executive Retirement Plan Postretirement Benefit Plans December 31, 2017 Discount Rate 4.83 % 4.73 % 4.80 % Expected Long-Term Return on Plan Assets 6.50 % Rate of Compensation Increase 3.50 % 3.50 % 3.50 % Interest Rate Credit for Determining Projected Cash Balance Account 3.00 % 3.00 % Interest Rate to Annuitize Cash Balance Account 4.50 % 4.50 % Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts 4.50 % 4.50 % December 31, 2016 Discount Rate 4.73 % 4.61 % 4.69 % Expected Long-Term Return on Plan Assets 7.00 % Rate of Compensation Increase 3.50 % 3.50 % 3.50 % Interest Rate Credit for Determining Projected Cash Balance Account 3.03 % 3.03 % Interest Rate to Annuitize Cash Balance Account 5.00 % 5.00 % Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts 5.00 % 5.00 % Footnotes: 1. Included in Salaries and Employee Benefits on the Consolidated Statements of Income 2. Included in Other Operating Expense on the Consolidated Statements of Income Schedule of Defined Benefit Plan Disclosures Information about Defined Benefit Plan Assets - Employees' Pension Plan Fair Value Measurements Using: Asset Category Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total Percent of Total Target Allocation Minimum Target Allocation Maximum December 31, 2018 Cash $ — $ — $ — $ — — % — % 15.0 % Interest-Bearing Money Market Fund 3,310 — — 3,310 6.8 % — % 15.0 % Arrow Common Stock 1 5,381 — — 5,381 11.1 % — % 10.0 % North Country Funds - Equity 2 16,629 — — 16,629 34.3 % Other Mutual Funds - Equity 13,081 — — 13,081 27.0 % Total Equity Funds 29,710 — — 29,710 61.3 % 55.0 % 85.0 % North Country Funds - Fixed income 2 8,124 — — 8,124 16.8 % Other Mutual Funds - Fixed Income 1,920 — — 1,920 4.0 % Total Fixed Income Funds 10,044 — — 10,044 20.8 % 10.0 % 30.0 % Total $ 48,445 $ — $ — $ 48,445 100.0 % December 31, 2017 Cash $ 22 $ — $ — $ 22 — % — % 15.0 % Interest-Bearing Money Market Fund 2,682 — — 2,682 5.0 % — % 15.0 % Arrow Common Stock 1 5,657 — — 5,657 10.6 % — % 10.0 % North Country Funds - Equity 2 19,680 — — 19,680 36.7 % Other Mutual Funds - Equity 15,168 — — 15,168 28.3 % Total Equity Funds 34,848 — — 34,848 65.0 % 55.0 % 85.0 % North Country Funds - Fixed income 2 8,388 — — 8,388 15.7 % Other Mutual Funds - Fixed Income 1,974 — — 1,974 3.7 % Total Fixed Income Funds 10,362 — — 10,362 19.4 % 10.0 % 30.0 % Total $ 53,571 $ — $ — $ 53,571 100.0 % 1 Acquisition of Arrow Financial Corporation common stock was under 10% of the total fair value of the employee's pension plan assets at the time of acquisition. 2 The North Country Funds - Equity and the North Country Funds - Fixed Income are publicly traded mutual funds advised by Arrow's subsidiary, North Country Investment Advisers, Inc. Schedule of Defined Benefit Plan Disclosures Employees' Pension Plan Select Executive Retirement Plan Postretirement Benefit Plans Expected Future Benefit Payments 2019 $ 2,223 $ 447 $ 580 2020 2,792 432 594 2021 2,513 416 639 2022 2,756 399 626 2023 2,781 381 614 2024 - 2028 15,162 2,683 3,212 Estimated Contributions During 2019 $ — $ 447 $ 580 Assumed Health Care Cost Trend Rates December 31, 2018 Health Care Cost Trend Rate Assumed for Next Year 7.00 % Rate to which the Cost Trend Rate is Assumed to Decline (the Ultimate Trend Rate) 3.78 % Year that the Rate Reaches the Ultimate Trend Rate 2075 December 31, 2017 Health Care Cost Trend Rate Assumed for Next Year 7.25 % Rate to which the Cost Trend Rate is Assumed to Decline (the Ultimate Trend Rate) 3.89 % Year that the Rate Reaches the Ultimate Trend Rate 2075 Effect of a One-Percentage Point Change in Assumed Health Care Cost Trend Rates Effect of a One Percentage Point Increase on Service and Interest Cost Components $ 42 Effect of a One Percentage Point Decrease on Service and Interest Cost Components (36 ) Effect of a One Percentage Point Increase on Accumulated Postretirement Benefit Obligation 478 Effect of a One Percentage Point Decrease on Accumulated Postretirement Benefit Obligation (417 )

Other Expenses (Tables)

Other Expenses (Tables)	12 Months Ended
	Dec. 31, 2018
Other Income and Expenses [Abstract]
Schedule of Other Operating Cost and Expense, by Component	Other operating expenses included in the Consolidated Statements of Income are as follows: 2018 2017 2016 Information Technology Services $ 5,670 $ 5,028 $ 4,706 Legal and Other Professional Fees 2,460 2,194 2,119 Postage and Courier 982 947 1,087 Advertising and Promotion 1,083 1,035 1,084 Stationery and Printing 782 841 892 Telephone and Communications 853 797 840 Intangible Asset Amortization 262 279 297 All Other 3,507 3,456 3,469 Total Other Operating Expense $ 15,599 $ 14,577 $ 14,494

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense (Benefit)	The provision for income taxes is summarized below: Current Tax Expense: 2018 2017 2016 Federal $ 7,668 $ 11,142 $ 10,496 State 1,450 917 1,002 Total Current Tax Expense 9,118 12,059 11,498 Deferred Tax Expense (Benefit): Federal (40 ) (1,453 ) (69 ) State (52 ) (77 ) (214 ) Total Deferred Tax Expense (Benefit) (92 ) (1,530 ) (283 ) Total Provision for Income Taxes $ 9,026 $ 10,529 $ 11,215
Schedule of Effective Income Tax Rate Reconciliation	The provisions for income taxes differed from the amounts computed by applying the U.S. Federal Income Tax Rate, 21% for 2018 and 35% for 2017 and 2016 , to pre-tax income as a result of the following: 2018 2017 2016 Computed Tax Expense at Statutory Rate $ 9,514 $ 13,949 $ 13,212 Increase (Decrease) in Income Taxes Resulting From: Tax Cuts and Jobs Act impact on deferred remeasurement — (1,116 ) — Tax-Exempt Income (1,407 ) (2,537 ) (2,437 ) Nondeductible Interest Expense 50 52 40 State Taxes, Net of Federal Income Tax Benefit 1,093 698 554 Tax benefit from stock based compensation (175 ) (134 ) — Other Items, Net (49 ) (383 ) (154 ) Total Provision for Income Taxes $ 9,026 $ 10,529 $ 11,215
Schedule of Deferred Tax Assets and Liabilities	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2018 and 2017 are presented below: 2018 2017 Deferred Tax Assets: Allowance for Loan Losses $ 5,131 $ 4,730 Pension and Deferred Compensation Plans 2,764 2,595 Pension Liability Included in Accumulated Other Comprehensive Income 3,450 2,475 Other 342 357 Net Unrealized Losses on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income 1,259 426 Total Gross Deferred Tax Assets 12,946 10,583 Valuation Allowance for Deferred Tax Assets — — Total Gross Deferred Tax Assets, Net of Valuation Allowance $ 12,946 $ 10,583 Deferred Tax Liabilities: Pension Plans $ 5,502 $ 5,487 Depreciation 1,149 955 Deferred Income 3,003 2,779 Net Unrealized Gains on Equity Securities 166 — Goodwill 3,546 3,566 Total Gross Deferred Tax Liabilities $ 13,366 $ 12,787

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2018
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Basic and Diluted	The following table presents a reconciliation of the numerator and denominator used in the calculation of basic and diluted earnings per common share ("EPS") for each of the years in the three-year period ended December 31, 2018 . All share and per share amounts have been adjusted for the September 27, 2018 3 % stock dividend. Earnings Per Share Year-to-Date Period Ended: 12/31/2018 12/31/2017 12/31/2016 Earnings Per Share - Basic: Net Income $ 36,279 $ 29,326 $ 26,534 Weighted Average Shares - Basic 14,408 14,310 14,206 Earnings Per Share - Basic $ 2.52 $ 2.05 $ 1.87 Earnings Per Share - Diluted: Net Income $ 36,279 $ 29,326 $ 26,534 Weighted Average Shares - Basic 14,408 14,310 14,206 Dilutive Average Shares Attributable to Stock Options 80 96 91 Weighted Average Shares - Diluted 14,488 14,406 14,297 Earnings Per Share - Diluted $ 2.50 $ 2.04 $ 1.86

Fair Values (Tables)

Fair Values (Tables)	12 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
Fair Value Measurements, Recurring and Nonrecurring	The table below presents the financial instrument's fair value and the amounts within the fair value hierarchy based on the lowest level of input that is significant to the fair value measurement: Fair Value of Assets and Liabilities Measured on a Recurring and Nonrecurring Basis Fair Value Measurements at Reporting Date Using: Fair Value of Assets and Liabilities Measured on a Recurring Basis: Fair Value Quoted Prices In Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total Gains (Losses) December 31, 2018 Securities Available-for Sale: U.S. Government & Agency Obligations $ 46,765 $ — $ 46,765 $ — State and Municipal Obligations 1,195 — 1,195 — Mortgage-Backed Securities 268,775 — 268,775 — Corporate and Other Debt Securities 800 — 800 — Total Securities Available-for-Sale 317,535 $ — $ 317,535 $ — Equity Securities 1,774 1,774 Total Securities Measured on a Recurring Basis $ 319,309 319,309 December 31, 2017 Securities Available-for Sale: U.S. Government & Agency Obligations $ 59,894 $ — $ 59,894 $ — State and Municipal Obligations 10,349 — 10,349 — Mortgage-Backed Securities 227,596 — 227,596 — Corporate and Other Debt Securities 800 — 800 — Equity Securities 1,561 — 1,561 — Total Securities Available-for Sale $ 300,200 $ — $ 300,200 $ — Fair Value of Assets and Liabilities Measured on a Nonrecurring Basis: December 31, 2018 Collateral Dependent Impaired Loans $ — $ — $ — $ — $ — Other Real Estate Owned and Repossessed Assets, Net $ 1,260 $ — $ — $ 1,260 $ (669 ) December 31, 2017 Collateral Dependent Impaired Loans $ — $ — $ — $ — $ — Other Real Estate Owned and Repossessed Assets, Net $ 1,847 $ — $ — $ 1,847 $ (569 )
Fair Value, by Balance Sheet Grouping	Fair Value by Balance Sheet Grouping The following table presents a summary of the carrying amount, the fair value or an amount approximating fair value and the fair value hierarchy of Arrow’s financial instruments: Schedule of Fair Values by Balance Sheet Grouping Fair Value Hierarchy Carrying Amount Fair Value Level 1 Level 2 Level 3 December 31, 2018 Cash and Cash Equivalents $ 84,239 $ 84,239 $ 84,239 $ — $ — Securities Available-for-Sale 317,535 317,535 — 317,535 — Securities Held-to-Maturity 283,476 280,338 — 280,338 — Equity Securities 1,774 1,774 1,774 FHLBNY and Federal Reserve Bank Stock 15,506 15,506 — 15,506 — Net Loans 2,176,019 2,114,372 — — 2,114,372 Accrued Interest Receivable 7,035 7,035 — 7,035 — Deposits 2,345,584 2,338,410 — 2,338,410 — Federal Funds Purchased and Securities Sold Under Agreements to Repurchase 54,659 54,659 — 54,659 — FHLBNY Overnight Advances 234,000 234,000 — 234,000 — Federal Home Loan Bank Term Advances 45,000 44,652 — 44,652 — Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts 20,000 20,000 — 20,000 — Accrued Interest Payable 570 570 — 570 — December 31, 2017 Cash and Cash Equivalents $ 72,838 $ 72,838 $ 72,838 $ — $ — Securities Available-for-Sale 300,200 300,200 — 300,200 — Securities Held-to-Maturity 335,907 335,901 — 335,901 — Federal Home Loan Bank and Federal Reserve Bank Stock 9,949 9,949 — 9,949 — Net Loans 1,932,184 1,901,046 — — 1,901,046 Accrued Interest Receivable 6,753 6,753 — 6,753 — Deposits 2,245,116 2,236,548 — 2,236,548 — Federal Funds Purchased and Securities Sold Under Agreements to Repurchase 64,966 64,966 — 64,966 — Federal Home Loan Bank Overnight Advances 105,000 105,000 — 105,000 — Federal Home Loan Bank Term Advances 55,000 54,781 — 54,781 — Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts 20,000 20,000 — 20,000 — Accrued Interest Payable 410 410 — 410 —

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2018
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Schedule of Rent Expense	Net rental expense for the years ended December 31, 2018 , 2017 and 2016 was as follows: 2018 2017 2016 Net Rental Expense $ 844 $ 746 $ 822
Schedule of Future Minimum Rental Payments for Operating Leases	Future minimum lease payments on operating leases at December 31, 2018 were as follows: Operating Leases 2019 $ 857 2020 626 2021 497 2022 357 2023 286 2024 and beyond 2,776 Total Minimum Lease Payments $ 5,399

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2018
Banking and Thrift [Abstract]
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations	The actual capital amounts and ratios for Arrow and its subsidiary banks, Glens Falls National Bank and Trust Company (“Glens Falls National”) and Saratoga National Bank and Trust Company (“Saratoga National”), are presented in the table below as of December 31, 2018 and 2017 : Actual Minimum Amounts For Capital Adequacy Purposes (including "capital conservation buffer") Minimum Amounts To Be Well-Capitalized Amount Ratio Amount Ratio Amount Ratio As of December 31, 2018 Total Capital (to Risk Weighted Assets): Arrow $ 304,109 14.9 % $ 202,059 9.9 % $ 204,100 10.0 % Glens Falls National 237,238 14.4 % 163,101 9.9 % 164,749 10.0 % Saratoga National 56,483 14.2 % 39,379 9.9 % 39,777 10.0 % Tier I Capital (to Risk Weighted Assets): Arrow 283,913 13.9 % 161,361 7.9 % 163,403 8.0 % Glens Falls National 220,844 13.4 % 130,199 7.9 % 131,847 8.0 % Saratoga National 52,681 13.2 % 31,529 7.9 % 31,928 8.0 % Tier I Capital (to Average Assets): Arrow 283,913 9.6 % 118,297 4.0 % 147,871 5.0 % Glens Falls National 220,844 9.1 % 97,074 4.0 % 121,343 5.0 % Saratoga National 52,681 9.6 % 21,950 4.0 % 27,438 5.0 % Common Equity Tier 1 Capital (to Risk Weighted Assets): Arrow 263,863 12.9 % 130,909 6.4 % 132,954 6.5 % Glens Falls National 220,794 13.4 % 105,454 6.4 % 107,102 6.5 % Saratoga National 52,681 13.2 % 25,542 6.4 % 25,941 6.5 % As of December 31, 2017 Total Capital (to Risk Weighted Assets): Arrow 278,163 15.0 % 172,461 9.3 % 185,442 10.0 % Glens Falls National 220,275 14.6 % 140,312 9.3 % 150,873 10.0 % Saratoga National 48,822 14.0 % 32,432 9.3 % 34,873 10.0 % Tier I Capital (to Risk Weighted Assets): Arrow 259,378 14.0 % 135,247 7.3 % 148,216 8.0 % Glens Falls National 205,200 13.6 % 110,144 7.3 % 120,706 8.0 % Saratoga National 45,311 13.0 % 25,444 7.3 % 27,884 8.0 % Tier I Capital (to Average Assets): Arrow 259,378 9.5 % 109,212 4.0 % 136,515 5.0 % Glens Falls National 205,200 9.1 % 90,198 4.0 % 112,747 5.0 % Saratoga National 45,311 9.4 % 19,281 4.0 % 24,102 5.0 % Common Equity Tier 1 Capital (to Risk Weighted Assets): Arrow 239,326 12.9 % 107,604 5.8 % 120,591 6.5 % Glens Falls National 205,148 13.6 % 87,490 5.8 % 98,049 6.5 % Saratoga National 45,311 13.0 % 20,216 5.8 % 22,656 6.5 %

Parent Only Financial Informa_2

Parent Only Financial Information (Tables)	12 Months Ended
	Dec. 31, 2018
Condensed Financial Information Disclosure [Abstract]
Schedule of Condensed Financial Statements	Condensed financial information for Arrow Financial Corporation is as follows: BALANCE SHEETS December 31, ASSETS 2018 2017 Interest-Bearing Deposits with Subsidiary Banks $ 2,298 $ 2,186 Available-for-Sale Securities — 1,562 Equity Securities 1,774 — Investment in Subsidiaries at Equity 280,408 261,622 Other Assets 8,626 7,987 Total Assets $ 293,106 $ 273,357 LIABILITIES Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts $ 20,000 $ 20,000 Other Liabilities 3,522 3,754 Total Liabilities 23,522 23,754 STOCKHOLDERS’ EQUITY Total Stockholders’ Equity 269,584 249,603 Total Liabilities and Stockholders’ Equity $ 293,106 $ 273,357 STATEMENTS OF INCOME Years Ended December 31, Income: 2018 2017 2016 Dividends from Bank Subsidiaries $ 13,300 $ 12,800 $ 11,650 Interest and Dividends on Investments 48 53 117 Other Income (Including Management Fees) 907 677 635 Total Income 14,255 13,530 12,402 Expense: Interest Expense 976 781 691 Other Expense 1,175 958 942 Total Expense 2,151 1,739 1,633 Income Before Income Tax Benefit and Equity in Undistributed Net Income of Subsidiaries 12,104 11,791 10,769 Income Tax Benefit 686 225 482 Equity in Undistributed Net Income of Subsidiaries 23,489 17,310 15,283 Net Income $ 36,279 $ 29,326 $ 26,534 The Statement of Changes in Stockholders ’ Equity is not reported because it is identical to the Consolidated Statement of Changes in Stockholders ’ Equity. STATEMENTS OF CASH FLOWS Years Ended December 31, 2018 2017 2016 Cash Flows from Operating Activities: Net Income $ 36,279 $ 29,326 $ 26,534 Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities: Undistributed Net Income of Subsidiaries (23,489 ) (17,310 ) (15,283 ) Shares Issued Under the Directors’ Stock Plan 205 233 205 Changes in Other Assets and Other Liabilities (918 ) (1,179 ) (899 ) Net Cash Provided by Operating Activities 12,077 11,070 10,557 Cash Flows from Investing Activities: Proceeds of Securities Held-to-Maturity — 1,000 — Net Cash Provided by Investing Activities — 1,000 — Cash Flows from Financing Activities: Stock Options Exercised 2,255 1,190 2,404 Shares Issued Under the Employee Stock Purchase Plan 505 496 493 Shares Issued for Dividend Reinvestment Plans 1,761 1,684 1,743 Tax Benefit for Exercises of Stock Options — — 188 Purchase of Treasury Stock (2,097 ) (3,248 ) (2,141 ) Cash Dividends Paid (14,389 ) (13,599 ) (13,092 ) Net Cash Used in Financing Activities (11,965 ) (13,477 ) (10,405 ) Net Increase (Decrease) in Cash and Cash Equivalents 112 (1,407 ) 152 Cash and Cash Equivalents at Beginning of the Year 2,186 3,593 3,441 Cash and Cash Equivalents at End of the Year $ 2,298 $ 2,186 $ 3,593 Supplemental Disclosures to Statements of Cash Flow Information: Interest Paid $ 976 $ 781 $ 691

Risks and Uncertainties - Narra

Risks and Uncertainties - Narrative (Details)	12 Months Ended
	Dec. 31, 2018banksubsidiary_business_trusts
Risks and Uncertainties [Abstract]
Number of banks | bank	2
Number of business subsidiary trusts | subsidiary_business_trusts	2

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)plan	Dec. 31, 2017USD ($)	Jan. 01, 2019USD ($)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Number of compensation plans | plan	3
Award vesting period (in years)	4 years
ESPP, market price discount percentage	5.00%
Available-for-Sale	$ 317,535	$ 300,200
Accounting Standards Update 2018-02
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Adjustments to additional paid in capital, income tax rate reduction		1,600
Accounting Standards Update 2014-09
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Impact of ASU adoption		(102)
Fair Value, Measurements, Recurring
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Available-for-Sale	$ 317,535	300,200
Equity Securities
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Available-for-Sale		1,561
Equity Securities | Fair Value, Measurements, Recurring
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Available-for-Sale		$ 1,561
Minimum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Intangible asset, useful life (in years)	10 years
Maximum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Intangible asset, useful life (in years)	15 years
Building and Building Improvements | Minimum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life	20 years
Building and Building Improvements | Maximum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life	40 years
Furniture and Fixtures | Minimum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life	7 years
Furniture and Fixtures | Maximum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life	10 years
Computer Equipment | Minimum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life	5 years
Computer Equipment | Maximum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life	7 years
Equity Option
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Award vesting period (in years)	4 years
Restricted Stock Units (RSUs)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Award vesting period (in years)	3 years
Scenario, Forecast | Subsequent Event | Accounting Standards Update 2016-02
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Operating lease, right of use asset			$ 8,000
Operating lease, liability			$ 8,000

Cash and Cash Equivalents (Deta

Cash and Cash Equivalents (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Cash and Cash Equivalents [Abstract]
Cash and Due From Banks	$ 56,529	$ 42,562
Interest-Bearing Deposits at Banks	27,710	30,276
Total Cash and Cash Equivalents	84,239	72,838	$ 57,355	$ 51,068
Total required reserves, including vault cash and Federal Reserve Bank deposits	$ 40,677	$ 30,771

Investment Securities Schedule

Investment Securities Schedule of Available for Sale Securities (Details) $ in Thousands	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	$ 322,491	$ 301,876
Available-for-Sale	317,535	300,200
Gross Unrealized Gains	290	935
Gross Unrealized Losses	5,246	2,611
Maturities of Debt Securities, at Amortized Cost:
Within One Year	43,007
From 1 - 5 Years	151,069
From 5 - 10 Years	106,777
Over 10 Years	21,638
Maturities of Debt Securities, at Fair Value:
Within One Year	42,811
From 1 - 5 Years	147,503
From 5 - 10 Years	105,902
Over 10 Years	21,319
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	107,550	99,776
12 Months or Longer	172,192	121,105
Total	$ 279,742	$ 220,881
Number of Securities in a Continuous Loss Position	97	106
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 841	$ 546
12 Months or Longer	4,405	2,065
Total	5,246	2,611
U.S. Treasury and Agency Obligations
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	47,071	60,328
Available-for-Sale	46,765	59,894
Gross Unrealized Gains	0	0
Gross Unrealized Losses	306	434
Maturities of Debt Securities, at Amortized Cost:
Within One Year	42,068
From 1 - 5 Years	5,003
From 5 - 10 Years	0
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	41,864
From 1 - 5 Years	4,901
From 5 - 10 Years	0
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	20,348
12 Months or Longer	46,765	39,546
Total	$ 46,765	$ 59,894
Number of Securities in a Continuous Loss Position	10	14
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 172
12 Months or Longer	306	262
Total	306	434
U.S. Treasury and Agency Obligations | US Treasury Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	0	0
Available-for-Sale	0	0
U.S. Treasury and Agency Obligations | Agency Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	47,071	60,328
Available-for-Sale	46,765	59,894
State and Municipal Obligations
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	1,193	10,351
Available-for-Sale	1,195	10,349
Gross Unrealized Gains	2	9
Gross Unrealized Losses	0	11
Maturities of Debt Securities, at Amortized Cost:
Within One Year	201
From 1 - 5 Years	512
From 5 - 10 Years	0
Over 10 Years	480
Maturities of Debt Securities, at Fair Value:
Within One Year	204
From 1 - 5 Years	511
From 5 - 10 Years	0
Over 10 Years	480
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	8,498
12 Months or Longer	0	0
Total	$ 0	$ 8,498
Number of Securities in a Continuous Loss Position	0	36
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 11
12 Months or Longer	0	0
Total	0	11
Collateralized Mortgage Backed Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	273,227	229,077
Available-for-Sale	268,775	227,596
Gross Unrealized Gains	288	485
Gross Unrealized Losses	4,740	1,966
Maturities of Debt Securities, at Amortized Cost:
Within One Year	738
From 1 - 5 Years	145,554
From 5 - 10 Years	106,777
Over 10 Years	20,158
Maturities of Debt Securities, at Fair Value:
Within One Year	743
From 1 - 5 Years	142,091
From 5 - 10 Years	105,902
Over 10 Years	20,039
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	107,550	70,930
12 Months or Longer	124,627	80,759
Total	$ 232,177	$ 151,689
Number of Securities in a Continuous Loss Position	86	55
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 841	$ 363
12 Months or Longer	3,899	1,603
Total	4,740	1,966
Collateralized Mortgage Backed Securities | US Government Agencies Debt Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	72,095	40,832
Available-for-Sale	71,800	40,832
Collateralized Mortgage Backed Securities | US Government-sponsored Enterprises Debt Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	201,132	188,245
Available-for-Sale	196,975	186,764
Corporate Debt Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	1,000	1,000
Available-for-Sale	800	800
Gross Unrealized Gains	0	0
Gross Unrealized Losses	200	200
Maturities of Debt Securities, at Amortized Cost:
Within One Year	0
From 1 - 5 Years	0
From 5 - 10 Years	0
Over 10 Years	1,000
Maturities of Debt Securities, at Fair Value:
Within One Year	0
From 1 - 5 Years	0
From 5 - 10 Years	0
Over 10 Years	800
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	0
12 Months or Longer	800	800
Total	$ 800	$ 800
Number of Securities in a Continuous Loss Position	1	1
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 0
12 Months or Longer	200	200
Total	200	200
Mututal Funds and Equity Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost		1,120
Available-for-Sale		1,561
Gross Unrealized Gains		441
Gross Unrealized Losses		0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months		0
12 Months or Longer		0
Total		$ 0
Number of Securities in a Continuous Loss Position		0
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months		$ 0
12 Months or Longer		0
Total		0
Collateral Pledged
Available-for-Sale Securities
Available-For-Sale Securities, Pledged as Collateral, at Fair Value	$ 236,163	$ 183,052

Investment Securities Schedul_2

Investment Securities Schedule of Held to Maturity Securities (Details) $ in Thousands	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Schedule of Held-to-maturity Securities [Line Items]
Held-to-Maturity (Approximate Fair Value of $280,338 at December 31, 2018, and $335,901 at December 31, 2017)	$ 283,476	$ 335,907
Held-To-Maturity Securities, at Fair Value	280,338	335,901
Gross Unrealized Gains	486	1,960
Gross Unrealized Losses	3,624	1,966
Held-To-Maturity Securities, Pledged as Collateral, at Fair Value	266,341	318,622
Maturities of Debt Securities, at Amortized Cost:
Within One Year	27,426
From 1 - 5 Years	141,189
From 5 - 10 Years	112,499
Over 10 Years	2,362
Maturities of Debt Securities, at Fair Value:
Within One Year	27,464
From 1 - 5 Years	140,109
From 5 - 10 Years	110,396
Over 10 Years	2,369
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	65,402	69,412
12 Months or Longer	124,617	68,409
Total	$ 190,019	$ 137,821
Number of Securities in a Continuous Loss Position	458	366
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 618	$ 498
12 Months or Longer	3,006	1,468
Total	3,624	1,966
State and Municipal Obligations
Schedule of Held-to-maturity Securities [Line Items]
Held-to-Maturity (Approximate Fair Value of $280,338 at December 31, 2018, and $335,901 at December 31, 2017)	235,782	275,530
Held-To-Maturity Securities, at Fair Value	233,359	275,353
Gross Unrealized Gains	486	1,691
Gross Unrealized Losses	2,909	1,868
Maturities of Debt Securities, at Amortized Cost:
Within One Year	27,426
From 1 - 5 Years	93,495
From 5 - 10 Years	112,499
Over 10 Years	2,362
Maturities of Debt Securities, at Fair Value:
Within One Year	27,464
From 1 - 5 Years	93,130
From 5 - 10 Years	110,396
Over 10 Years	2,369
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	32,093	55,648
12 Months or Longer	110,947	65,152
Total	$ 143,040	$ 120,800
Number of Securities in a Continuous Loss Position	411	352
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 162	$ 442
12 Months or Longer	2,747	1,425
Total	2,909	1,867
Collateralized Mortgage Backed Securities
Schedule of Held-to-maturity Securities [Line Items]
Held-to-Maturity (Approximate Fair Value of $280,338 at December 31, 2018, and $335,901 at December 31, 2017)	47,694	60,377
Held-To-Maturity Securities, at Fair Value	46,979	60,548
Gross Unrealized Gains	0	269
Gross Unrealized Losses	715	98
Maturities of Debt Securities, at Amortized Cost:
Within One Year	0
From 1 - 5 Years	47,694
From 5 - 10 Years	0
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	0
From 1 - 5 Years	46,979
From 5 - 10 Years	0
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	33,309	13,764
12 Months or Longer	13,670	3,257
Total	$ 46,979	$ 17,021
Number of Securities in a Continuous Loss Position	47	14
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 456	$ 56
12 Months or Longer	259	43
Total	715	99
Collateralized Mortgage Backed Securities | Agency Securities
Schedule of Held-to-maturity Securities [Line Items]
Held-to-Maturity (Approximate Fair Value of $280,338 at December 31, 2018, and $335,901 at December 31, 2017)	2,180	2,680
Collateralized Mortgage Backed Securities | US Government-sponsored Enterprises Debt Securities
Schedule of Held-to-maturity Securities [Line Items]
Held-to-Maturity (Approximate Fair Value of $280,338 at December 31, 2018, and $335,901 at December 31, 2017)	45,514	57,697
Collateralized Mortgage Backed Securities | Fair Value, Measurements, Recurring | US Government-sponsored Enterprises Debt Securities
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Fair Value	44,836	57,887
Collateralized Mortgage Backed Securities | Fair Value, Measurements, Recurring | Agency Securities
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Fair Value	$ 2,143	$ 2,661

Investment Securities Equity Se

Investment Securities Equity Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Investments, Debt and Equity Securities [Abstract]
Equity Securities, at Fair Value	$ 1,774	$ 0
Net Gain on Equity Securities	213	$ 0	$ 0
Less: Net gain (loss) recognized during the reporting period on equity securities sold during the period	0
Unrealized net gain recognized during the reporting period on equity securities still held at the reporting date	$ 213

Investment Securities Cost-Meth

Investment Securities Cost-Method Investments (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Investments, All Other Investments [Abstract]
Federal Reserve Bank Stock	$ 1,132	$ 1,120
Federal Home Loan Bank Stock	14,374	8,829
Total Federal Reserve Bank and Federal Home Loan Bank Stock	$ 15,506	$ 9,949

Loans Categories and Past Due L

Loans Categories and Past Due Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due 30-59 Days	$ 5,879	$ 8,124
Loans Past Due 60-89 Days	4,093	1,743
Loans Past Due 90 or more Days	3,205	2,841
Total Loans Past Due	13,177	12,708
Current Loans	2,183,038	1,938,062
Total Loans	2,196,215	1,950,770
Loans 90 or More Days Past Due and Still Accruing Interest	1,225	319
Nonaccrual Loans	4,159	5,526
Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due 30-59 Days	121	139
Loans Past Due 60-89 Days	49	19
Loans Past Due 90 or more Days	0	99
Total Loans Past Due	170	257
Current Loans	136,720	128,992
Total Loans	136,890	129,249
Loans 90 or More Days Past Due and Still Accruing Interest	0	0
Nonaccrual Loans	403	588
Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due 30-59 Days	108	0
Loans Past Due 60-89 Days	0	0
Loans Past Due 90 or more Days	789	807
Total Loans Past Due	897	807
Current Loans	483,665	443,441
Total Loans	484,562	444,248
Loans 90 or More Days Past Due and Still Accruing Interest	0	0
Nonaccrual Loans	789	1,530
Other Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due 30-59 Days	5,369	5,891
Loans Past Due 60-89 Days	2,136	1,215
Loans Past Due 90 or more Days	572	513
Total Loans Past Due	8,077	7,619
Current Loans	711,433	595,208
Total Loans	719,510	602,827
Loans 90 or More Days Past Due and Still Accruing Interest	144	6
Nonaccrual Loans	658	653
Residential Portfolio Segment
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due 30-59 Days	281	2,094
Loans Past Due 60-89 Days	1,908	509
Loans Past Due 90 or more Days	1,844	1,422
Total Loans Past Due	4,033	4,025
Current Loans	851,220	770,421
Total Loans	855,253	774,446
Loans 90 or More Days Past Due and Still Accruing Interest	1,081	313
Nonaccrual Loans	$ 2,309	$ 2,755

Loans Supplemental Information

Loans Supplemental Information (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Loans and Leases Receivable Disclosure [Abstract]
Unamortized deferred loan origination costs, net of deferred loan origination fees, included in the above balances	$ 4,494	$ 4,055
Overdrawn deposit accounts, included in the above balances	572	473
Residential real estate loans serviced for Freddie Mac, not included in the balances above	133,747	149,377
Loans held for sale at period-end, included in the above balances	$ 215	$ 327

Loans Allowance for Loan Losses

Loans Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Credit Losses, Beginning Balance	$ 18,586	$ 17,012	$ 16,038
Charge-offs	(1,532)	(1,559)	(1,270)
Recoveries	535	397	211
Provision	2,607	2,736	2,033
Allowance for Credit Losses, Ending Balance	20,196	18,586	17,012
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Allowance for Loan Losses - Individually Evaluated for Impairment	4	106
Allowance for Loan Losses - Collectively Evaluated for Impairment	20,192	18,480
Ending Loan Balance - Individually Evaluated for Impairment	3,223	3,683
Ending Loan Balance - Collectively Evaluated for Impairment	2,192,992	1,947,087
Commercial
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Credit Losses, Beginning Balance	1,873	1,017	1,827
Charge-offs	(153)	(2)	(97)
Recoveries	3	9	23
Provision	(505)	849	(736)
Allowance for Credit Losses, Ending Balance	1,218	1,873	1,017
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Allowance for Loan Losses - Individually Evaluated for Impairment	0	94
Allowance for Loan Losses - Collectively Evaluated for Impairment	1,218	1,779
Ending Loan Balance - Individually Evaluated for Impairment	430	489
Ending Loan Balance - Collectively Evaluated for Impairment	136,460	128,760
Commercial Real Estate
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Credit Losses, Beginning Balance	4,504	5,677	4,520
Charge-offs	(17)	(380)	(195)
Recoveries	12	0	0
Provision	1,145	(793)	1,352
Allowance for Credit Losses, Ending Balance	5,644	4,504	5,677
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Allowance for Loan Losses - Individually Evaluated for Impairment	0	2
Allowance for Loan Losses - Collectively Evaluated for Impairment	5,644	4,502
Ending Loan Balance - Individually Evaluated for Impairment	793	1,537
Ending Loan Balance - Collectively Evaluated for Impairment	483,769	442,711
Other Consumer
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Credit Losses, Beginning Balance	7,604	6,120	5,554
Charge-offs	(1,246)	(1,101)	(871)
Recoveries	520	388	182
Provision	2,004	2,197	1,255
Allowance for Credit Losses, Ending Balance	8,882	7,604	6,120
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Allowance for Loan Losses - Individually Evaluated for Impairment	0	0
Allowance for Loan Losses - Collectively Evaluated for Impairment	8,882	7,604
Ending Loan Balance - Individually Evaluated for Impairment	101	95
Ending Loan Balance - Collectively Evaluated for Impairment	719,409	602,732
Residential Portfolio Segment
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Credit Losses, Beginning Balance	4,605	4,198	3,790
Charge-offs	(116)	(76)	(107)
Recoveries	0	0	6
Provision	(37)	483	509
Allowance for Credit Losses, Ending Balance	4,452	4,605	4,198
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Allowance for Loan Losses - Individually Evaluated for Impairment	4	10
Allowance for Loan Losses - Collectively Evaluated for Impairment	4,448	4,595
Ending Loan Balance - Individually Evaluated for Impairment	1,899	1,562
Ending Loan Balance - Collectively Evaluated for Impairment	853,354	772,884
Unallocated
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Credit Losses, Beginning Balance	0	0	347
Charge-offs	0	0	0
Recoveries	0	0	0
Provision	0	0	(347)
Allowance for Credit Losses, Ending Balance	0	0	$ 0
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Allowance for Loan Losses - Individually Evaluated for Impairment	0	0
Allowance for Loan Losses - Collectively Evaluated for Impairment	0	0
Ending Loan Balance - Individually Evaluated for Impairment	0	0
Ending Loan Balance - Collectively Evaluated for Impairment	$ 0	$ 0

Loans Credit Quality Indicators

Loans Credit Quality Indicators (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Satisfactory
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	$ 586,452	$ 542,323
Special Mention
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	1,518
Substandard
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	34,211	28,849
Doubtful
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	789	807
Performing
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	1,570,571	1,373,752
Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	4,192	3,727
Commercial | Satisfactory
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	129,584	124,961
Commercial | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	1,341
Commercial | Substandard
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	7,306	2,947
Commercial | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	0
Commercial Real Estate | Satisfactory
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	456,868	417,362
Commercial Real Estate | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	0	177
Commercial Real Estate | Substandard
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	26,905	25,902
Commercial Real Estate | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	789	807
Other Consumer | Performing
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	718,708	602,168
Other Consumer | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	802	659
Residential Portfolio Segment | Performing
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	851,863	771,584
Residential Portfolio Segment | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Net	$ 3,390	$ 3,068

Loans Impaired Loans (Details)

Loans Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Recorded Investment [Abstract]
With No Related Allowance	$ 2,929	$ 2,144
With a Related Allowance	294	1,543
Unpaid Principal Balance [Abstract]
With No Related Allowance	2,928	2,185
With a Related Allowance	293	1,498
Average Recorded Balance [Abstract]
With No Related Allowance	2,537	2,113	$ 2,684
With a Related Allowance	920	773	0
Interest Income Recognized [Abstract]
With No Related Allowance	19	57	36
With a Related Allowance	0	26	0
Cash Basis Income [Abstract]
With No Related Allowance	0	0	0
With a Related Allowance	0	0	0
Commercial
Recorded Investment [Abstract]
With No Related Allowance	430	0
With a Related Allowance	0	485
Unpaid Principal Balance [Abstract]
With No Related Allowance	429	0
With a Related Allowance	0	489
Average Recorded Balance [Abstract]
With No Related Allowance	215	0	78
With a Related Allowance	243	243	0
Interest Income Recognized [Abstract]
With No Related Allowance	0	0	0
With a Related Allowance	0	1	0
Cash Basis Income [Abstract]
With No Related Allowance	0	0	0
With a Related Allowance	0	0	0
Commercial Real Estate
Recorded Investment [Abstract]
With No Related Allowance	793	781
With a Related Allowance	0	725
Unpaid Principal Balance [Abstract]
With No Related Allowance	793	816
With a Related Allowance	0	721
Average Recorded Balance [Abstract]
With No Related Allowance	787	836	1,631
With a Related Allowance	363	363	0
Interest Income Recognized [Abstract]
With No Related Allowance	0	34	29
With a Related Allowance	0	2	0
Cash Basis Income [Abstract]
With No Related Allowance	0	0	0
With a Related Allowance	0	0	0
Other Consumer
Recorded Investment [Abstract]
With No Related Allowance	101	94
With a Related Allowance	0	0
Unpaid Principal Balance [Abstract]
With No Related Allowance	100	95
With a Related Allowance	0	0
Average Recorded Balance [Abstract]
With No Related Allowance	98	93	103
With a Related Allowance	0	0	0
Interest Income Recognized [Abstract]
With No Related Allowance	1	0	6
With a Related Allowance	0	0	0
Cash Basis Income [Abstract]
With No Related Allowance	0	0	0
With a Related Allowance	0	0	0
Residential Portfolio Segment
Recorded Investment [Abstract]
With No Related Allowance	1,605	1,269
With a Related Allowance	294	333
Unpaid Principal Balance [Abstract]
With No Related Allowance	1,606	1,274
With a Related Allowance	293	288
Average Recorded Balance [Abstract]
With No Related Allowance	1,437	1,184	872
With a Related Allowance	314	167	0
Interest Income Recognized [Abstract]
With No Related Allowance	18	23	1
With a Related Allowance	0	23	0
Cash Basis Income [Abstract]
With No Related Allowance	0	0	0
With a Related Allowance	$ 0	$ 0	$ 0

Loans Modified in Trouble Debt

Loans Modified in Trouble Debt Restructurings (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)
Financing Receivable, Modifications [Line Items]
Number of Loans	6	8	4
Pre-Modification Outstanding Recorded Investment	$ 82	$ 1,279	$ 39
Post-Modification Outstanding Recorded Investment	$ 82	$ 1,279	$ 39
Subsequent Default, Number of Contracts	0	0	0
Subsequent Default, Recorded Investment	$ 0	$ 0	$ 0
Commitments to lend additional funds to modified loans	$ 0	$ 0	$ 0
Commercial
Financing Receivable, Modifications [Line Items]
Number of Loans	1	1	0
Pre-Modification Outstanding Recorded Investment	$ 38	$ 503	$ 0
Post-Modification Outstanding Recorded Investment	$ 38	$ 503	$ 0
Subsequent Default, Number of Contracts	0	0	0
Subsequent Default, Recorded Investment	$ 0	$ 0	$ 0
Commitments to lend additional funds to modified loans	$ 0	$ 0	$ 0
Commercial Real Estate
Financing Receivable, Modifications [Line Items]
Number of Loans	0	1	0
Pre-Modification Outstanding Recorded Investment	$ 0	$ 725	$ 0
Post-Modification Outstanding Recorded Investment	$ 0	$ 725	$ 0
Subsequent Default, Number of Contracts	0	0	0
Subsequent Default, Recorded Investment	$ 0	$ 0	$ 0
Commitments to lend additional funds to modified loans	$ 0	$ 0	$ 0
Other Consumer
Financing Receivable, Modifications [Line Items]
Number of Loans	5	6	4
Pre-Modification Outstanding Recorded Investment	$ 44	$ 51	$ 39
Post-Modification Outstanding Recorded Investment	$ 44	$ 51	$ 39
Subsequent Default, Number of Contracts	0	0	0
Subsequent Default, Recorded Investment	$ 0	$ 0	$ 0
Commitments to lend additional funds to modified loans	$ 0	$ 0	$ 0
Residential Portfolio Segment
Financing Receivable, Modifications [Line Items]
Number of Loans	0	0	0
Pre-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0
Post-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0
Subsequent Default, Number of Contracts	0	0	0
Subsequent Default, Recorded Investment	$ 0	$ 0	$ 0
Commitments to lend additional funds to modified loans	$ 0	$ 0	$ 0
Minimum | Other Consumer
Financing Receivable, Modifications [Line Items]
Principal repayment terms, period	1 year
Minimum | Automobile Loan
Financing Receivable, Modifications [Line Items]
Principal repayment terms, period	3 years
Maximum | Other Consumer
Financing Receivable, Modifications [Line Items]
Principal repayment terms, period	5 years
Maximum | Automobile Loan
Financing Receivable, Modifications [Line Items]
Principal repayment terms, period	7 years

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Property, Plant and Equipment [Line Items]
Total Cost	$ 67,123	$ 62,817
Accumulated Depreciation and Amortization	(36,677)	(35,198)
Net Premises and Equipment	30,446	27,619
Land and Bank Premises
Property, Plant and Equipment [Line Items]
Total Cost	35,010	35,254
Furniture and Fixtures
Property, Plant and Equipment [Line Items]
Total Cost	30,192	25,662
Leasehold Improvements
Property, Plant and Equipment [Line Items]
Total Cost	$ 1,921	$ 1,901

Premises and Equipment Suppleme

Premises and Equipment Supplemental Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Property, Plant and Equipment [Abstract]
Depreciation	$ 1,891	$ 1,921	$ 1,928

Other Intangible Assets Schedul

Other Intangible Assets Schedule of Finite-Lived Intangible Assets (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2018	Dec. 31, 2017
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount					$ 8,690	$ 8,690
Accumulated Amortization					(6,838)	(6,401)
Net Carrying Amount		$ 2,289	$ 2,696	$ 3,107	1,852	2,289
Finite-lived Intangible Assets [Roll Forward]
Finite-Lived Intangible Assets, Beginning Balance		2,289	2,696	3,107
Intangible Assets Acquired		0	93	146
Impairment of Intangible Assets, Finite-lived		0	0	0
Amortization of Intangible Assets		(437)	(500)	(557)
Finite-Lived Intangible Assets, Ending Balance		1,852	2,289	2,696
Depositor Intangibles
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	[1]				2,247	2,247
Accumulated Amortization	[1]				(2,247)	(2,247)
Net Carrying Amount	[1]	0	0	0	0	0
Finite-lived Intangible Assets [Roll Forward]
Finite-Lived Intangible Assets, Beginning Balance	[1]	0	0	0
Intangible Assets Acquired	[1]	0	0	0
Impairment of Intangible Assets, Finite-lived	[1]	0	0	0
Amortization of Intangible Assets	[1]	0	0	0
Finite-Lived Intangible Assets, Ending Balance	[1]	0	0	0
Mortgage Servicing Rights
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	[2]				2,061	2,061
Accumulated Amortization	[2]				(1,799)	(1,624)
Net Carrying Amount	[2]	437	565	679	262	437
Finite-lived Intangible Assets [Roll Forward]
Finite-Lived Intangible Assets, Beginning Balance	[2]	437	565	679
Intangible Assets Acquired	[2]	0	93	146
Impairment of Intangible Assets, Finite-lived	[2]	0	0	0
Amortization of Intangible Assets	[2]	(175)	(221)	(260)
Finite-Lived Intangible Assets, Ending Balance	[2]	262	437	565
Customer Intangibles
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	[1]				4,382	4,382
Accumulated Amortization	[1]				(2,792)	(2,530)
Net Carrying Amount	[1]	1,852	2,131	2,428	$ 1,590	$ 1,852
Finite-lived Intangible Assets [Roll Forward]
Finite-Lived Intangible Assets, Beginning Balance	[1]	1,852	2,131	2,428
Intangible Assets Acquired	[1]	0	0	0
Impairment of Intangible Assets, Finite-lived	[1]	0	0	0
Amortization of Intangible Assets	[1]	(262)	(279)	(297)
Finite-Lived Intangible Assets, Ending Balance	[1]	$ 1,590	$ 1,852	$ 2,131
[1]	Amortization of depositor intangibles and customer intangibles are reported in the Consolidated Statements of Income as a component of other operating expense.
[2]	Amortization of mortgage servicing rights is reported in the Consolidated Statements of Income as a reduction of mortgage servicing fee income, which is included with fees for other services to customers.

Other Intangible Assets Sched_2

Other Intangible Assets Schedule of Finite-Lived Intangible Assets, Future Amortization Expense (Details) - USD ($) $ in Thousands		Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Estimated Annual Amoritzation Expense: [Abstract]
2,019		$ 348
2,020		298
2,021		260
2,022		222
2,023		185
2024 and beyond		539
Net Carrying Amount		1,852	$ 2,289	$ 2,696	$ 3,107
Mortgage Servicing Rights
Estimated Annual Amoritzation Expense: [Abstract]
2,019	[1]	103
2,020	[1]	71
2,021	[1]	50
2,022	[1]	29
2,023	[1]	9
2024 and beyond	[1]	0
Net Carrying Amount	[1]	262	437	565	679
Customer Intangibles
Estimated Annual Amoritzation Expense: [Abstract]
2,019	[2]	245
2,020	[2]	227
2,021	[2]	210
2,022	[2]	193
2,023	[2]	176
2024 and beyond	[2]	539
Net Carrying Amount	[2]	$ 1,590	$ 1,852	$ 2,131	$ 2,428
[1]	Amortization of mortgage servicing rights is reported in the Consolidated Statements of Income as a reduction of mortgage servicing fee income, which is included with fees for other services to customers.
[2]	Amortization of depositor intangibles and customer intangibles are reported in the Consolidated Statements of Income as a component of other operating expense.

Guarantees (Details)

Guarantees (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Guarantor Obligations [Line Items]
Commitments to Extend Credit, Nominal Amount	$ 321,143	$ 315,256
Standby Letters of Credit, Nominal Amount	4,466	3,526
Commitments to Extend Credit, Fair Value	0	0
Fair Value Disclosure, Letters of Credit Outstanding, Amount	$ 12	$ 23
Minimum
Guarantor Obligations [Line Items]
Letter of credit, fee percentage	1.00%
Maximum
Guarantor Obligations [Line Items]
Letter of credit, fee percentage	3.00%

Time Deposits (Details)

Time Deposits (Details) $ in Thousands	Dec. 31, 2018USD ($)
Maturities of Time Deposits [Abstract]
2,019	$ 168,464
2,020	49,965
2,021	18,989
2,022	9,208
2,023	4,713
2024 and beyond	12,648
Total	$ 263,987

Debt Schedule of Short Term Deb

Debt Schedule of Short Term Debt (Details) - USD ($)	Dec. 31, 2018	Dec. 31, 2017
Short-term Debt [Line Items]
Federal Home Loan Bank Overnight Advances	$ 234,000,000	$ 105,000,000
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	54,659,000	64,966,000
Short-term Borrowings	288,659,000	169,966,000
Federal Funds Purchased
Short-term Debt [Line Items]
Maximum Borrowing Capacity	57,000,000	35,000,000
Overnight Advances from the Federal Home Loan Bank of New York
Short-term Debt [Line Items]
Federal Home Loan Bank of New York	550,750,000	511,301,000
Federal Reserve Bank of New York
Short-term Debt [Line Items]
Maximum Borrowing Capacity	$ 489,809,000	$ 424,724,000

Debt - Narrative (Details)

Debt - Narrative (Details) $ in Millions	12 Months Ended
	Dec. 31, 2018USD ($)subsidiary_business_trustsclasses	Dec. 31, 2017USD ($)
Debt Instrument [Line Items]
Securities sold under agreements to repurchase | $	$ 65.5	$ 66.6
Number of classes of financial instruments | classes	2
Number of business subsidiary trusts | subsidiary_business_trusts	2
ACST III | London Interbank Offered Rate (LIBOR)
Debt Instrument [Line Items]
Debt Instrument, Basis Spread on Variable Rate	2.00%
Junior Subordinated Debt, Preferred Securities | ACST II | London Interbank Offered Rate (LIBOR)
Debt Instrument [Line Items]
Debt Instrument, Basis Spread on Variable Rate	3.15%

Debt Investment Securities at F

Debt Investment Securities at Fair Value (Details) - USD ($) $ in Millions	Dec. 31, 2018	Dec. 31, 2017
Debt Instrument [Line Items]
Securities sold under agreements to repurchase	$ 65.5	$ 66.6
U.S. Treasury and Agency Obligations
Debt Instrument [Line Items]
Securities sold under agreements to repurchase	22.3	37.3
Collateralized Mortgage Backed Securities
Debt Instrument [Line Items]
Securities sold under agreements to repurchase	$ 43.2	$ 29.3

Debt Maturities of Long Term De

Debt Maturities of Long Term Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Long-term Debt, Fiscal Year Maturity [Abstract]
Final Maturity Balances - First Year	$ 20,000	$ 10,000
Final Maturity Balances - Second Year	25,000	20,000
Final Maturity Balances - Third Year	0	25,000
Long-term Debt, Maturities, Repayments of Principal in Year Four	0	0
Long-term Debt, Maturities, Repayments of Principal in Year Five	0	0
Final Maturity Balances - Total	$ 45,000	$ 55,000
Final Maturity Weighted Average Rate - First Year	1.70%	1.50%
Final Maturity Weighted Average Rate - Second Year	2.02%	1.70%
Final Maturity Weighted Average Rate - Third Year	0.00%	2.02%
Long-Term Debt Maturities, Weighted Average Rate, Repayments of Principal in Year Four	0.00%	0.00%
Long-Term Debt Maturities, Weighted Average Rate, Repayments of Principal in Year Five	0.00%	0.00%
Final Maturity Weighted Average Rate - Total	1.88%	1.81%

Debt Schedule of Long-term Debt

Debt Schedule of Long-term Debt instruments (Details) - Junior Subordinated Debt - USD ($)	Dec. 31, 2018	Dec. 31, 2017
ACST II
Debt Instrument [Line Items]
Balance at December 31,	$ 10,000,000	$ 10,000,000
Period-End Interest Rate	5.55%	4.49%
ACST III
Debt Instrument [Line Items]
Balance at December 31,	$ 10,000,000	$ 10,000,000
Period-End Interest Rate	4.40%	3.34%

Comprehensive Income Other Comp

Comprehensive Income Other Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Schedule of Comprehensive Income [Line Items]
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	$ (338)	$ 0	$ 0
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	(80)	8	7
Other Comprehensive Income (Loss), before Tax	(6,657)	(370)	2,071
Other Comprehensive Income (Loss), Tax	1,692	335	(933)
Other Comprehensive Income	(4,965)	(35)	1,138
Accumulated Net Unrealized Investment Gain (Loss)
Schedule of Comprehensive Income [Line Items]
Other Comprehensive Income (Loss), before Reclassifications, before Tax	(2,839)	(1,505)	(1,672)
Other Comprehensive Income (Loss), Available-for-sale Securities, before Reclassification Adjustments, Tax	723	565	648
Reclassification from AOCI, Current Period, Tax		(111)	(9)
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	(2,116)	(940)	(1,024)
Reclassification from Accumulated Other Comprehensive Income, Current Period, before Tax		448	22
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	(331)	337	13
Other Comprehensive Income	(2,116)	(603)	(1,011)
Accumulated Defined Benefit Plans Adjustment, Net Unamortized Gain (Loss)
Schedule of Comprehensive Income [Line Items]
Other Comprehensive Income (Loss), before Reclassifications, before Tax	(3,798)	287	3,017
Reclassification from AOCI, Current Period, Tax	(83)	(49)	(281)
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	(2,833)	214	1,721
Reclassification from Accumulated Other Comprehensive Income, Current Period, before Tax	325	411	716
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	242	362	435
Other Comprehensive Income (Loss) before Reclassifications, Tax	965	(73)	(1,296)
Other Comprehensive Income	(2,591)	576	2,156
Accumulated Defined Benefit Plans Adjustment, Net Prior Service Cost (Credit)
Schedule of Comprehensive Income [Line Items]
Other Comprehensive Income (Loss), before Reclassifications, before Tax	(453)
Reclassification from AOCI, Current Period, Tax	(28)	3	5
Other Comprehensive Income (Loss), before Reclassifications, Net of Tax	(338)	0	0
Reclassification from Accumulated Other Comprehensive Income, Current Period, before Tax	108	(11)	(12)
Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax	80	(8)	(7)
Other Comprehensive Income (Loss) before Reclassifications, Tax	115
Other Comprehensive Income	$ (258)	$ (8)	$ (7)

Comprehensive Income Changes in

Comprehensive Income Changes in Accumulated Other Comprehensive Income By Component (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Other comprehensive loss before reclassifications	$ (338)	$ 0	$ 0
Amounts reclassified from accumulated other comprehensive loss	(80)	8	7
Other Comprehensive Loss	(4,965)	(35)	1,138
Accumulated Net Unrealized Investment Gain (Loss)
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest	(1,250)	(382)	629
Other comprehensive loss before reclassifications	(2,116)	(940)	(1,024)
Amounts reclassified from accumulated other comprehensive loss	(331)	337	13
Other Comprehensive Loss	(2,116)	(603)	(1,011)
Reclassification due to the adoption of ASU No. 2018-02		(265)
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest	(3,697)	(1,250)	(382)
Accumulated Defined Benefit Plans Adjustment, Net Unamortized Gain (Loss)
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest	(6,380)	(5,737)	(7,893)
Other comprehensive loss before reclassifications	(2,833)	214	1,721
Amounts reclassified from accumulated other comprehensive loss	242	362	435
Other Comprehensive Loss	(2,591)	576	2,156
Reclassification due to the adoption of ASU No. 2018-02		(1,219)
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest	(8,971)	(6,380)	(5,737)
Accumulated Defined Benefit Plans Adjustment, Net Prior Service Cost (Credit)
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest	(884)	(715)	(708)
Other comprehensive loss before reclassifications	(338)	0	0
Amounts reclassified from accumulated other comprehensive loss	80	(8)	(7)
Other Comprehensive Loss	(258)	(8)	(7)
Reclassification due to the adoption of ASU No. 2018-02		(161)
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest	(1,142)	(884)	(715)
AOCI Including Portion Attributable to Noncontrolling Interest
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest	(8,514)	(6,834)	(7,972)
Other comprehensive loss before reclassifications	(5,287)	(726)	697
Amounts reclassified from accumulated other comprehensive loss	322	691	441
Other Comprehensive Loss	(4,965)	(35)	1,138
Reclassification due to the adoption of ASU No. 2018-02		(1,645)
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest	$ (13,810)	$ (8,514)	$ (6,834)

Comprehensive Income Reclassifi

Comprehensive Income Reclassification Out of Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Total before tax	$ 45,305	$ 39,855	$ 37,749
Provision for Income Taxes	(9,026)	(10,529)	(11,215)
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net of tax	(322)	(691)	(441)
Accumulated Net Unrealized Investment Gain (Loss)
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and Employee Benefits		(448)	(22)
Accumulated Net Unrealized Investment Gain (Loss) | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Loss on Securities Transactions, Net	0	(448)	(22)
Total before tax	0	(448)	(22)
Provision for Income Taxes	0	111	9
Net of tax	0	(337)	(13)
Accumulated Defined Benefit Plans Adjustment, Net Prior Service Cost (Credit)
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and Employee Benefits	(108)	11	12
Accumulated Defined Benefit Plans Adjustment, Net Prior Service Cost (Credit) | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and Employee Benefits	(108)	11	12
Accumulated Defined Benefit Plans Adjustment, Net Unamortized Gain (Loss)
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and Employee Benefits	(325)	(411)	(716)
Accumulated Defined Benefit Plans Adjustment, Net Unamortized Gain (Loss) | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and Employee Benefits	(325)	(411)	(716)
Accumulated Defined Benefit Plans Adjustment | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Total before tax	(433)	(400)	(704)
Provision for Income Taxes	111	46	276
Net of tax	$ (322)	$ (354)	$ (428)

Stock Based Compensation Roll F

Stock Based Compensation Roll Forward Schedule of Stock Option Plan by Shares and Weighted Average Exercise Prices (Details) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)plan$ / sharesshares	Dec. 31, 2017$ / sharesshares	Dec. 31, 2016shares
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Number of compensation plans | plan	3
Expiration period (in years)	10 years
Award vesting period (in years)	4 years
Shares Available for Grant at Period-End (in shares)		261,614
Roll Forward of Shares Outstanding [Roll Forward]
Outstanding, Beginning Balance, in shares	356,540
Granted, in shares	53,466	57,289.63	60,100.5
Exercised, in shares	(107,818)
Forfeited, in shares	(17,666)
Outstanding, Ending Balance, in shares	284,522	356,540
Exercisable, in shares	172,410
Vested and Expected to Vest, in shares	112,112
Roll Forward of Shares Outstanding - Weighted Average Exercise Price: [Roll Forward]
Outstanding, Beginning Balance, in Weighted Average Exercise Price, | $ / shares	$ 23.42
Granted, in Weighted Average Exercise Price | $ / shares	31.84
Exercised, in Weighted Average Exercise Price | $ / shares	20.92
Forfeited, in Weighted Average Exercise Price | $ / shares	27.06
Outstanding, Ending Balance, in Weighted Average Exercise Price, | $ / shares	25.67	$ 23.42
Exercisable, in Weighted Average Exercise Price | $ / shares	22.56
Vested and Expected to Vest, in Weighted Average Exercise Price | $ / shares	$ 30.46
Outstanding, Weighted Average Remaining Contractual Life, in years	5 years 5 months 9 days
Exercisable, Weighted Average Remaining Contractual Life, in years	3 years 8 months 5 days
Vested and Expected to Vest, Outstanding, Weighted Average Remaining Contractual Term	8 years 1 month 28 days
Outstanding, Aggregate Intrinsic Value | $	$ 1,807
Exercisable, Aggregate Intrinsic Value | $	1,631
Vested and Expected to Vest, Aggregate Intrinsic Value | $	$ 176

Stock Based Compensation Schedu

Stock Based Compensation Schedule of Share-based Compensation, Shares Authorized under Stock Option Plans, by Exercise Price Range (Details)	12 Months Ended
	Dec. 31, 2018$ / sharesshares
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Number of Stock Options Outstanding (in shares) | shares	284,522
Weighted-Average Remaining Contractual Life (in years)	5 years 5 months 9 days
Weighted-Average Exercise Price (in usd per share)	$ 25.67
Number of Stock Options Outstanding (in shares) | shares	172,410
Weighted-Average Remaining Contractual Life (in years)	3 years 8 months 5 days
Weighted-Average Exercise Price (in usd per share)	$ 22.55
Exercise Price Range $17.48
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Number of Stock Options Outstanding (in shares) | shares	5,763
Weighted-Average Remaining Contractual Life (in years)	22 days
Weighted-Average Exercise Price (in usd per share)	$ 17.48
Number of Stock Options Outstanding (in shares) | shares	5,763
Weighted-Average Remaining Contractual Life (in years)	22 days
Weighted-Average Exercise Price (in usd per share)	$ 17.48
Exercise Price Range $19.58 to $20.93
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Number of Stock Options Outstanding (in shares) | shares	61,569
Weighted-Average Remaining Contractual Life (in years)	1 year 7 months 24 days
Weighted-Average Exercise Price (in usd per share)	$ 20.32
Number of Stock Options Outstanding (in shares) | shares	61,569
Weighted-Average Remaining Contractual Life (in years)	1 year 7 months 24 days
Weighted-Average Exercise Price (in usd per share)	$ 20.32
Exercise Price Range $21.50 to $21.99
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Number of Stock Options Outstanding (in shares) | shares	52,683
Weighted-Average Remaining Contractual Life (in years)	3 years 9 months
Weighted-Average Exercise Price (in usd per share)	$ 21.81
Number of Stock Options Outstanding (in shares) | shares	52,683
Weighted-Average Remaining Contractual Life (in years)	3 years 9 months
Weighted-Average Exercise Price (in usd per share)	$ 21.81
Exercise Price Range $23.19 to $23.66
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Number of Stock Options Outstanding (in shares) | shares	69,175
Weighted-Average Remaining Contractual Life (in years)	6 years 4 months 2 days
Weighted-Average Exercise Price (in usd per share)	$ 23.45
Number of Stock Options Outstanding (in shares) | shares	38,243
Weighted-Average Remaining Contractual Life (in years)	6 years
Weighted-Average Exercise Price (in usd per share)	$ 23.40
Exercise Price Range $31.84
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Number of Stock Options Outstanding (in shares) | shares	50,376
Weighted-Average Remaining Contractual Life (in years)	9 years 1 month 2 days
Weighted-Average Exercise Price (in usd per share)	$ 31.84
Number of Stock Options Outstanding (in shares) | shares	1,030
Weighted-Average Remaining Contractual Life (in years)	9 years 1 month 2 days
Weighted-Average Exercise Price (in usd per share)	$ 31.84
Exercise Price Range $35.07
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Number of Stock Options Outstanding (in shares) | shares	44,956
Weighted-Average Remaining Contractual Life (in years)	7 years 10 months 10 days
Weighted-Average Exercise Price (in usd per share)	$ 35.07
Number of Stock Options Outstanding (in shares) | shares	13,122
Weighted-Average Remaining Contractual Life (in years)	7 years 4 months 10 days
Weighted-Average Exercise Price (in usd per share)	$ 35.07
Minimum | Exercise Price Range $19.58 to $20.93
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in usd per share)	19.58
Minimum | Exercise Price Range $21.50 to $21.99
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in usd per share)	21.50
Minimum | Exercise Price Range $23.19 to $23.66
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in usd per share)	23.19
Maximum | Exercise Price Range $19.58 to $20.93
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in usd per share)	20.93
Maximum | Exercise Price Range $21.50 to $21.99
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in usd per share)	21.99
Maximum | Exercise Price Range $23.19 to $23.66
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in usd per share)	$ 23.66

Stock Based Compensation Sche_2

Stock Based Compensation Schedule of Other Stock Option Plan Information (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Granted, in shares	53,466	57,289.63	60,100.5
Fair Value of Options Granted, Weighted Average Grant Date, in dollars per share	$ 5.59	$ 6.07	$ 5.28
Dividend Yield	2.98%	2.72%	3.88%
Expected Volatility	21.55%	21.40%	32.95%
Risk Free Interest Rate	2.68%	2.25%	1.80%
Expected Life, in years	6 years 11 months 23 days	6 years 10 months 17 days	7 years 6 months 22 days
Amount Expensed During the Year	$ 322	$ 351	$ 287
Compensation Costs for Non-vested Awards Not Yet Recognized	$ 504	$ 528	$ 521
Weighted Average Expected Vesting Period, In Years	2 years 8 months 27 days	2 years 7 months 2 days	2 years 8 months 16 days
Proceeds From Stock Options Exercised	$ 2,255	$ 1,190	$ 2,404
Tax Benefits Related to Stock Options Exercised	240	168	188
Intrinsic Value of Stock Options Exercised	$ 1,552	$ 825	$ 1,010

Stock Based Compensation Restri

Stock Based Compensation Restricted Stock Units Information (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Weighted Average Grant Date Fair Value
Amount Expensed During the Year	$ 356	$ 351	$ 287
Restricted Stock Units (RSUs)
Restricted Stock Units
Beginning balance, nonvested (in shares)	0
Granted (in shares)	3,377
Vested (in shares)	0
Canceled (in shares)	0
Ending balance, nonvested (in shares)	3,377	0
Weighted Average Grant Date Fair Value
Beginning balance, nonvested (in usd per share)	$ 0
Granted (in usd per share)	32.57
Vested (in usd per share)	0
Canceled (in usd per share)	0
Ending balance, nonvested (in usd per share)	$ 32.57	$ 0
Amount Expensed During the Year	$ 34
Compensation Costs for Non-vested Awards Not Yet Recognized	$ 76

Stock Based Compensation Sche_3

Stock Based Compensation Schedule of Employee Stock Ownership Plans (ESOP) Disclosure (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Employee Stock Ownership Plan (ESOP), Shares in ESOP [Abstract]
ESOP Compensation Expense	$ 1,400	$ 1,400	$ 1,200
Allocated Shares, in shares	758,101
Shares Released for Allocation During 2017, in shares	4,931
Unallocated Shares, in shares	5,001
Total ESOP Shares, in shares	768,033
Market Value of Unallocated ESOP Shares	$ 160

Stock Based Compensation Narrat

Stock Based Compensation Narrative (Details) - plan	12 Months Ended
	Dec. 31, 2018	Sep. 27, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of compensation plans	3
Stock dividend, percent		300.00%
Award vesting period (in years)	4 years
Discount from market price	5.00%
Restricted Stock Units (RSUs)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period (in years)	3 years
Employee Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Discount from market price	5.00%

Retirement Benefit Plans (Detai

Retirement Benefit Plans (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2018		Dec. 31, 2017
Defined Benefit Plan Disclosure [Line Items]
Employer matching contribution, percent of match, maximum		5.00%
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		$ 53,571	$ 53,571		$ 48,445		$ 53,571
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		53,571
Fair Value of Plan Assets, End of Period		48,445	53,571
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		$ 53,571	$ 53,571		$ 48,445		$ 53,571
Percent of Total					100.00%		100.00%
Expected Future Benefit Payments [Abstract]
Health Care Cost Trend Rate Assumed for Next Year					7.00%		7.25%
Rate to which the Cost Trend Rate is Assumed to Decline (the Ultimate Trend Rate)					3.78%		3.89%
Year that the Rate Reaches the Ultimate Trend Rate		2,075	2,075
Effect of One Percentage Point Increase on Service and Interest Cost Components		$ 42
Effect of One Percentage Point Decrease on Service and Interest Cost Components		(36)
Effect of One Percentage Point Increase on Accumulated Postretirement Benefit Obligation		478
Effect of One Percentage Point Decrease on Accumulated Postretirement Benefit Obligation		(417)
Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		53,571	$ 53,571		$ 48,445		$ 53,571
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		53,571
Fair Value of Plan Assets, End of Period		48,445	53,571
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		53,571	53,571		48,445		53,571
Significant Other Observable Inputs (Level 2)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		0	0		0		0
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		0	0		0		0
Significant Unobservable Inputs (Level 3)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		0	0		0		0
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		0	0		0		0
Cash
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		22	22		0		22
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		22
Fair Value of Plan Assets, End of Period		0	22
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		22	22		$ 0		$ 22
Percent of Total					0.00%		0.00%
Cash | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		22	22		$ 0		$ 22
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		22
Fair Value of Plan Assets, End of Period		0	22
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		22	22		0		22
Cash | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		0	0		0		0
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		0	0		0		0
Cash | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		0	0		0		0
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		0	0		0		0
Interest-Bearing Money Market Fund
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		2,682	2,682		3,310		2,682
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		2,682
Fair Value of Plan Assets, End of Period		3,310	2,682
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		2,682	2,682		$ 3,310		$ 2,682
Percent of Total					6.80%		5.00%
Interest-Bearing Money Market Fund | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		2,682	2,682		$ 3,310		$ 2,682
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		2,682
Fair Value of Plan Assets, End of Period		3,310	2,682
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		2,682	2,682		3,310		2,682
Interest-Bearing Money Market Fund | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		0	0		0		0
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		0	0		0		0
Interest-Bearing Money Market Fund | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		0	0		0		0
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		0	0		0		0
Common Stock
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		5,657	5,657		5,381		5,657
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		5,657
Fair Value of Plan Assets, End of Period		5,381	5,657
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		5,657	5,657		$ 5,381		$ 5,657
Percent of Total					11.10%	[1]	10.60%
Common Stock | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		5,657	5,657		$ 5,381		$ 5,657
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		5,657
Fair Value of Plan Assets, End of Period		5,381	5,657
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		5,657	5,657		5,381		5,657
Common Stock | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		0	0		0		0
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		0	0		0		0
Common Stock | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		0	0		0		0
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		0	0		0		0
North Country Funds - Equity
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets	[2]	19,680	19,680		16,629		19,680
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period	[2]	19,680
Fair Value of Plan Assets, End of Period	[2]	16,629	19,680
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets	[2]	19,680	19,680		$ 16,629		$ 19,680
Percent of Total	[2]				34.30%		36.70%
North Country Funds - Equity | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets	[2]	19,680	19,680		$ 16,629		$ 19,680
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period	[2]	19,680
Fair Value of Plan Assets, End of Period	[2]	16,629	19,680
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets	[2]	19,680	19,680		16,629		19,680
North Country Funds - Equity | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets	[2]	0	0		0		0
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period	[2]	0
Fair Value of Plan Assets, End of Period	[2]	0	0
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets	[2]	0	0		0		0
North Country Funds - Equity | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets	[2]	0	0		0		0
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period	[2]	0
Fair Value of Plan Assets, End of Period	[2]	0	0
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets	[2]	0	0		0		0
Other Mutual Funds - Equity
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		15,168	15,168		13,081		15,168
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		15,168
Fair Value of Plan Assets, End of Period		13,081	15,168
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		15,168	15,168		$ 13,081		$ 15,168
Percent of Total					27.00%		28.30%
Other Mutual Funds - Equity | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		15,168	15,168		$ 13,081		$ 15,168
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		15,168
Fair Value of Plan Assets, End of Period		13,081	15,168
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		15,168	15,168		13,081		15,168
Other Mutual Funds - Equity | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		0	0		0		0
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		0	0		0		0
Other Mutual Funds - Equity | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		0	0		0		0
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		0	0		0		0
Equity Funds
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		34,848	34,848		29,710		34,848
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		34,848
Fair Value of Plan Assets, End of Period		29,710	34,848
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		34,848	34,848		$ 29,710		$ 34,848
Percent of Total					61.30%		65.00%
Equity Funds | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		34,848	34,848		$ 29,710		$ 34,848
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		34,848
Fair Value of Plan Assets, End of Period		29,710	34,848
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		34,848	34,848		29,710		34,848
Equity Funds | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		0	0		0		0
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		0	0		0		0
Equity Funds | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		0	0		0		0
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		0	0		0		0
North Country Funds - Fixed Income
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets	[2]	8,388	8,388		8,124		8,388
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period	[2]	8,388
Fair Value of Plan Assets, End of Period	[2]	8,124	8,388
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets	[2]	8,388	8,388		$ 8,124		$ 8,388
Percent of Total	[2]				16.80%		15.70%
North Country Funds - Fixed Income | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets	[2]	8,388	8,388		$ 8,124		$ 8,388
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period	[2]	8,388
Fair Value of Plan Assets, End of Period	[2]	8,124	8,388
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets	[2]	8,388	8,388		8,124		8,388
North Country Funds - Fixed Income | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets	[2]	0	0		0		0
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period	[2]	0
Fair Value of Plan Assets, End of Period	[2]	0	0
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets	[2]	0	0		0		0
North Country Funds - Fixed Income | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets	[2]	0	0		0		0
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period	[2]	0
Fair Value of Plan Assets, End of Period	[2]	0	0
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets	[2]	0	0		0		0
Other Mutual Funds - Fixed Income
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		1,974	1,974		1,920		1,974
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		1,974
Fair Value of Plan Assets, End of Period		1,920	1,974
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		1,974	1,974		$ 1,920		$ 1,974
Percent of Total					4.00%		3.70%
Other Mutual Funds - Fixed Income | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		1,974	1,974		$ 1,920		$ 1,974
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		1,974
Fair Value of Plan Assets, End of Period		1,920	1,974
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		1,974	1,974		1,920		1,974
Other Mutual Funds - Fixed Income | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		0	0		0		0
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		0	0		0		0
Other Mutual Funds - Fixed Income | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		0	0		0		0
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		0	0		0		0
Fixed Income Funds
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		10,362	10,362		10,044		10,362
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		10,362
Fair Value of Plan Assets, End of Period		10,044	10,362
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		10,362	10,362		$ 10,044		$ 10,362
Percent of Total					20.80%		19.40%
Fixed Income Funds | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		10,362	10,362		$ 10,044		$ 10,362
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		10,362
Fair Value of Plan Assets, End of Period		10,044	10,362
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		10,362	10,362		10,044		10,362
Fixed Income Funds | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		0	0		0		0
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		0	0		0		0
Fixed Income Funds | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		0	0		0		0
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Fair Value of Plan Assets		0	0		0		0
Employees' Pension Plan
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		53,571	50,220	$ 50,220	48,445		53,571
Benefit Obligation		38,921	36,154	36,154	38,069		38,921
Funded Status of Plan					10,376		14,650
Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]
Benefit Obligation, Beginning of Period		38,921	36,154
Service Cost		1,557	1,392	1,400
Interest Cost		1,598	1,682	1,641
Plan Participants' Contributions		0	0
Amendments		0	0
Actuarial Loss		(795)	2,440
Benefits Paid		(3,212)	(2,747)
Benefit Obligation, End of Period		38,069	38,921	36,154
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		53,571	50,220
Actual Return on Plan Assets		(1,914)	6,098
Employer Contributions		0	0
Plan Participants' Contributions		0	0
Benefits Paid		(3,212)	(2,747)
Fair Value of Plan Assets, End of Period		48,445	53,571	50,220
Accumulated Benefit Obligation at December 31, 2012					37,749
Defined Benefit Plan, Amounts for Asset (Liability) Recognized in Statement of Financial Position [Abstract]
Prepaid Benefit Cost					10,376		14,650
Accrued Benefit Liability					0		0
Net Benefit Cost Recognized					10,376		14,650
Defined Benefit Plan, Amounts Recognized in Other Comprehensive Income (Loss) [Abstract]
Net Retirement Plan Loss, Before-Tax Amount		4,480	(517)	(2,657)
Net prior Service Cost Arising During the Period		0	0	0
Amortization of Net Loss		(194)	(306)	(591)
Accretion of Net Retirement Plan Prior Service Credit, Tax (Expense) Benefit		49	57	57
Total Other Comprehensive (Loss) Income for Pension and Other Postretirement Benefit Plans		4,335	(766)	(3,191)
Defined Benefit Plan, Accumulated Other Comprehensive (Income) Loss, before Tax [Abstract]
Net Actuarial Loss					10,942		6,656
Prior Service (Credit) Cost					313		264
Total Accumulated Other Comprehensive Income, Before Tax					11,255		$ 6,920
Pension and Other Postretirement Benefit Plans, Amounts that Will be Amortized from Accumulated Other Comprehensive Income (Loss) in Next Fiscal Year [Abstract]
Net Actuarial Loss					612
Prior Service (Credit) Cost					$ 69
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) [Abstract]
Service Cost		1,557	1,392	1,400
Interest Cost		1,598	1,682	1,641
Expected Return on Plan Assets		(3,362)	(3,141)	(3,198)
Amortization of Prior Service (Credit) Cost		(49)	(57)	(57)
Amortization of Net Loss		194	306	591
Net Periodic Benefit Cost		$ (62)	$ 182	$ 377
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Benefit Obligation [Abstract]
Discount Rate					4.81%		4.24%
Rate of Compensation Increase					3.50%		3.50%
Interest Rate Credit for Determining Projected Cash Balance Account					3.36%		3.00%
Interest Rate to Annuitize Cash Balance Account					3.43%		4.25%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Account							4.25%
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Discount Rate		4.24%	4.83%	4.73%
Expected Long-Term Return on Assets		6.50%	6.50%	7.00%
Rate of Compensation Increase		3.50%	3.50%	3.50%
Interest Rate Credit for Determining Projected Cash Balance Account		3.00%	3.00%	3.03%
Interest Rate to Annuitize Cash Balance Account			4.50%	5.00%
Interest Rate to Convert Accuities to Actuarially Equivalent Lump Sum Amounts			4.50%	5.00%
Fair Value of Plan Assets		$ 53,571	$ 50,220	$ 50,220	$ 48,445		$ 53,571
Expected Future Benefit Payments [Abstract]
2,019					2,223
2,020					2,792
2,021					2,513
2,022					2,756
2,023					2,781
2022- 2026					15,162
Estimated Contributions During 2015					0
Select Executive Retirement Plan
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		0	0	0	0		0
Benefit Obligation		4,586	4,547	4,547	4,710		4,586
Funded Status of Plan					(4,710)		(4,586)
Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]
Benefit Obligation, Beginning of Period		4,586	4,547
Service Cost		414	45	40
Interest Cost		192	209	206
Plan Participants' Contributions		0	0
Amendments		0	0
Actuarial Loss		(17)	245
Benefits Paid		(465)	(460)
Benefit Obligation, End of Period		4,710	4,586	4,547
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		0	0
Actual Return on Plan Assets		0	0
Employer Contributions		465	460
Plan Participants' Contributions		0	0
Benefits Paid		(465)	(460)
Fair Value of Plan Assets, End of Period		0	0	0
Accumulated Benefit Obligation at December 31, 2012					4,672
Defined Benefit Plan, Amounts for Asset (Liability) Recognized in Statement of Financial Position [Abstract]
Prepaid Benefit Cost					0		0
Accrued Benefit Liability					(4,710)		(4,586)
Net Benefit Cost Recognized					(4,710)		(4,586)
Defined Benefit Plan, Amounts Recognized in Other Comprehensive Income (Loss) [Abstract]
Net Retirement Plan Loss, Before-Tax Amount		(17)	244	(32)
Net prior Service Cost Arising During the Period		0	0	0
Amortization of Net Loss		(131)	(129)	(125)
Accretion of Net Retirement Plan Prior Service Credit, Tax (Expense) Benefit		(57)	(57)	(57)
Total Other Comprehensive (Loss) Income for Pension and Other Postretirement Benefit Plans		(205)	58	(214)
Defined Benefit Plan, Accumulated Other Comprehensive (Income) Loss, before Tax [Abstract]
Net Actuarial Loss					1,979		2,127
Prior Service (Credit) Cost					432		489
Total Accumulated Other Comprehensive Income, Before Tax					2,411		$ 2,616
Pension and Other Postretirement Benefit Plans, Amounts that Will be Amortized from Accumulated Other Comprehensive Income (Loss) in Next Fiscal Year [Abstract]
Net Actuarial Loss					106
Prior Service (Credit) Cost					$ 54
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) [Abstract]
Service Cost		414	45	40
Interest Cost		192	209	206
Expected Return on Plan Assets		0	0	0
Amortization of Prior Service (Credit) Cost		57	57	57
Amortization of Net Loss		131	129	125
Net Periodic Benefit Cost		$ 794	$ 440	$ 428
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Benefit Obligation [Abstract]
Discount Rate					4.80%		4.18%
Rate of Compensation Increase					3.50%		3.50%
Interest Rate Credit for Determining Projected Cash Balance Account					3.36%		3.00%
Interest Rate to Annuitize Cash Balance Account					4.46%		4.25%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Account							4.25%
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Discount Rate		4.18%	4.73%	4.61%
Rate of Compensation Increase		3.50%	3.50%	3.50%
Interest Rate Credit for Determining Projected Cash Balance Account		3.00%	3.00%	3.03%
Interest Rate to Annuitize Cash Balance Account			4.50%	5.00%
Interest Rate to Convert Accuities to Actuarially Equivalent Lump Sum Amounts			4.50%	5.00%
Fair Value of Plan Assets		$ 0	$ 0	$ 0	$ 0		$ 0
Expected Future Benefit Payments [Abstract]
2,019					447
2,020					432
2,021					416
2,022					399
2,023					381
2022- 2026					2,683
Estimated Contributions During 2015					447
Postretirement Benefit Plans
Defined Benefit Plan, Funded (Unfunded) Status of Plan [Abstract]
Fair Value of Plan Assets		0	0	0	0		0
Benefit Obligation		7,727	7,623	7,623	7,706		7,727
Funded Status of Plan					(7,706)		(7,727)
Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]
Benefit Obligation, Beginning of Period		7,727	7,623
Service Cost		136	130	147
Interest Cost		333	339	340
Plan Participants' Contributions		416	492
Amendments		453	0
Actuarial Loss		(664)	(14)
Benefits Paid		(695)	(843)
Benefit Obligation, End of Period		7,706	7,727	7,623
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair Value of Plan Assets, Beginning of Period		0	0
Actual Return on Plan Assets		0	0
Employer Contributions		279	351
Plan Participants' Contributions		416	492
Benefits Paid		(695)	(843)
Fair Value of Plan Assets, End of Period		0	0	0
Accumulated Benefit Obligation at December 31, 2012					7,706
Defined Benefit Plan, Amounts for Asset (Liability) Recognized in Statement of Financial Position [Abstract]
Prepaid Benefit Cost					0		0
Accrued Benefit Liability					(7,706)		(7,727)
Net Benefit Cost Recognized					(7,706)		(7,727)
Defined Benefit Plan, Amounts Recognized in Other Comprehensive Income (Loss) [Abstract]
Net Retirement Plan Loss, Before-Tax Amount		(665)	(14)	(328)
Net prior Service Cost Arising During the Period		453	0	0
Amortization of Net Loss		0	24	0
Accretion of Net Retirement Plan Prior Service Credit, Tax (Expense) Benefit		(100)	11	12
Total Other Comprehensive (Loss) Income for Pension and Other Postretirement Benefit Plans		(312)	21	(316)
Defined Benefit Plan, Accumulated Other Comprehensive (Income) Loss, before Tax [Abstract]
Net Actuarial Loss					(893)		(228)
Prior Service (Credit) Cost					786		433
Total Accumulated Other Comprehensive Income, Before Tax					(107)		$ 205
Pension and Other Postretirement Benefit Plans, Amounts that Will be Amortized from Accumulated Other Comprehensive Income (Loss) in Next Fiscal Year [Abstract]
Net Actuarial Loss					(70)
Prior Service (Credit) Cost					$ 101
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) [Abstract]
Service Cost		136	130	147
Interest Cost		333	339	340
Expected Return on Plan Assets		0	0	0
Amortization of Prior Service (Credit) Cost		100	(11)	(12)
Amortization of Net Loss		0	(24)	0
Net Periodic Benefit Cost		$ 569	$ 434	$ 475
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Benefit Obligation [Abstract]
Discount Rate					4.81%		4.22%
Rate of Compensation Increase					3.50%		3.50%
Interest Rate to Annuitize Cash Balance Account					4.88%
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Discount Rate		4.22%	4.80%	4.69%
Rate of Compensation Increase		3.50%	3.50%	3.50%
Fair Value of Plan Assets		$ 0	$ 0	$ 0	$ 0		$ 0
Expected Future Benefit Payments [Abstract]
2,019					580
2,020					594
2,021					639
2,022					626
2,023					614
2022- 2026					3,212
Estimated Contributions During 2015					$ 580
Minimum | Cash
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Target Allocation Maximum, Percentage					0.00%		0.00%
Minimum | Interest-Bearing Money Market Fund
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Target Allocation Maximum, Percentage					0.00%		0.00%
Minimum | Common Stock
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Target Allocation Maximum, Percentage					0.00%		0.00%
Minimum | North Country Funds - Equity
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Target Allocation Maximum, Percentage
Minimum | Other Mutual Funds - Equity
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Target Allocation Maximum, Percentage
Minimum | Equity Funds
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Target Allocation Maximum, Percentage					55.00%		55.00%
Minimum | North Country Funds - Fixed Income
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Target Allocation Maximum, Percentage
Minimum | Other Mutual Funds - Fixed Income
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Target Allocation Maximum, Percentage
Minimum | Fixed Income Funds
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Target Allocation Maximum, Percentage					10.00%		10.00%
Maximum | Cash
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Target Allocation Maximum, Percentage					15.00%		15.00%
Maximum | Interest-Bearing Money Market Fund
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Target Allocation Maximum, Percentage					15.00%		15.00%
Maximum | Common Stock
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Target Allocation Maximum, Percentage					10.00%		10.00%
Maximum | North Country Funds - Equity
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Target Allocation Maximum, Percentage
Maximum | Other Mutual Funds - Equity
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Target Allocation Maximum, Percentage
Maximum | Equity Funds
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Target Allocation Maximum, Percentage					85.00%		85.00%
Maximum | North Country Funds - Fixed Income
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Target Allocation Maximum, Percentage
Maximum | Other Mutual Funds - Fixed Income
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Target Allocation Maximum, Percentage
Maximum | Fixed Income Funds
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Target Allocation Maximum, Percentage					30.00%		30.00%
Subsequent to January 1, 2003
Defined Benefit Plan Disclosure [Line Items]
Service credits, percent of eligible salaries		6.00%
Prior to January 1, 2003 | Minimum
Defined Benefit Plan Disclosure [Line Items]
Service credits, percent of eligible salaries		6.00%
Prior to January 1, 2003 | Maximum
Defined Benefit Plan Disclosure [Line Items]
Service credits, percent of eligible salaries		12.00%
[1]	Acquisition of Arrow Financial Corporation common stock was under 10% of the total fair value of the employee's pension plan assets at the time of acquisition.
[2]	The North Country Funds - Equity and the North Country Funds - Fixed Income are publicly traded mutual funds advised by Arrow's subsidiary, North Country Investment Advisers, Inc.

Other Expenses (Details)

Other Expenses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Other Income and Expenses [Abstract]
Information Technology Services	$ 5,670	$ 5,028	$ 4,706
Legal and Other Professional Fees	2,460	2,194	2,119
Postage and Courier	982	947	1,087
Advertising and Promotion	1,083	1,035	1,084
Stationery and Printing	782	841	892
Telephone and Communications	853	797	840
Intangible Asset Amortization	262	279	297
All Other	3,507	3,456	3,469
Total Other Operating Expense	$ 15,599	$ 14,577	$ 14,494

Income Taxes Current Income Tax

Income Taxes Current Income Tax Expense (Benefit), Continuing Operations (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Current Income Tax Expense (Benefit), Continuing Operations [Abstract]
Current Tax Expense: Federal	$ 7,668	$ 11,142	$ 10,496
Current Tax Expense: State	1,450	917	1,002
Total Current Tax Expense	9,118	12,059	11,498
Deferred Tax Expense (Benefit):
Deferred Tax Expense: Federal	(40)	(1,453)	(69)
Deferred Tax Expense: State	(52)	(77)	(214)
Total Deferred Tax Expense (Benefit)	(92)	(1,530)	(283)
Income Tax Expense (Benefit), Continuing Operations	$ 9,026	$ 10,529	$ 11,215

Income Taxes Effective Income T

Income Taxes Effective Income Tax Rate, Continuing Operations, Tax Rate Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Effective Income Tax Rate Reconciliation, Percent [Abstract]
Computed Tax Expense at Statutory Rate	$ 9,514	$ 13,949	$ 13,212
Tax Cuts and Jobs Act impact on deferred remeasurement	0	(1,116)	0
Tax-Exempt Income	(1,407)	(2,537)	(2,437)
Nondeductible Interest Expense	50	52	40
State Taxes, Net of Federal Income Tax Benefit	1,093	698	554
Tax benefit from stock based compensation	(175)	(134)	0
Other Items, Net	(49)	(383)	(154)
Income Tax Expense (Benefit), Continuing Operations	$ 9,026	$ 10,529	$ 11,215

Income Taxes Components of Defe

Income Taxes Components of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Deferred Tax Assets, Gross [Abstract]
Allowance for Loan Losses	$ 5,131	$ 4,730
Pension and Deferred Compensation Plans	2,764	2,595
Pension Liability Included in Accumulated Other Comprehensive Income	3,450	2,475
Other	342	357
Deferred Tax Assets, Unrealized Losses on Trading Securities	1,259	426
Total Gross Deferred Tax Assets	12,946	10,583
Valuation Allowance for Deferred Tax Assets	0	0
Total Gross Deferred Tax Assets, Net of Valuation Allowance	12,946	10,583
Deferred Tax Liabilities, Gross [Abstract]
Pension Plans	5,502	5,487
Depreciation	1,149	955
Deferred Income	3,003	2,779
Net Unrealized Gains on Equity Securities	166	0
Goodwill	3,546	3,566
Total Gross Deferred Tax Liabilities	$ 13,366	$ 12,787

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Sep. 27, 2018
Earnings Per Share [Abstract]
Stock dividend, percent				300.00%
Net Income	$ 36,279	$ 29,326	$ 26,534
Basic Shares, in Shares	14,408	14,310	14,206
Basic Earnings, in USD Per Share	$ 2.52	$ 2.05	$ 1.87
Dilutive Average Shares Attributable to Stock Options, in Shares	80	96	91
Weighted Average Shares - Diluted, in Shares	14,488	14,406	14,297
Diluted Earnings, In USD Per Share	$ 2.50	$ 2.04	$ 1.86

Fair Values Fair Value - Recurr

Fair Values Fair Value - Recurring and Nonrecurring (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	$ 317,535	$ 300,200
Equity securities	1,774	0
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	317,535	300,200
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	0	0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	317,535	300,200
Equity securities	1,774
Total Securities Measured on a Recurring Basis	319,309
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	0	0
Fair Value, Measurements, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral Dependent Impaired Loans	0	0
Gain (Loss) on Collateral Dependent Impaired Loans	0	0
Other Real Estate and Repossessed Assets, Net	1,260	1,847
Gain (Loss) Other Real Estate and Repossessed Assets, Net	(669)	(569)
Fair Value, Measurements, Nonrecurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral Dependent Impaired Loans	0	0
Other Real Estate and Repossessed Assets, Net	0	0
Fair Value, Measurements, Nonrecurring | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral Dependent Impaired Loans	0	0
Other Real Estate and Repossessed Assets, Net	0	0
Fair Value, Measurements, Nonrecurring | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral Dependent Impaired Loans	0	0
Other Real Estate and Repossessed Assets, Net	1,260	1,847
U.S. Treasury and Agency Obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	46,765	59,894
U.S. Treasury and Agency Obligations | Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	46,765	59,894
U.S. Treasury and Agency Obligations | Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	0	0
U.S. Treasury and Agency Obligations | Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	46,765	59,894
U.S. Treasury and Agency Obligations | Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	0	0
State and Municipal Obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	1,195	10,349
State and Municipal Obligations | Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	1,195	10,349
State and Municipal Obligations | Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	0	0
State and Municipal Obligations | Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	1,195	10,349
State and Municipal Obligations | Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	0	0
Mortgage-Backed Securities - Residential
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	268,775	227,596
Mortgage-Backed Securities - Residential | Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	268,775	227,596
Mortgage-Backed Securities - Residential | Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	0	0
Mortgage-Backed Securities - Residential | Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	268,775	227,596
Mortgage-Backed Securities - Residential | Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	0	0
Corporate Debt Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	800	800
Corporate Debt Securities | Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	800	800
Total Securities Measured on a Recurring Basis	319,309
Corporate Debt Securities | Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	0	0
Corporate Debt Securities | Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	800	800
Corporate Debt Securities | Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	$ 0	0
Mututal Funds and Equity Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale		1,561
Mututal Funds and Equity Securities | Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale		1,561
Mututal Funds and Equity Securities | Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale		0
Mututal Funds and Equity Securities | Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale		1,561
Mututal Funds and Equity Securities | Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale		$ 0

Fair Values Fair Value By Balan

Fair Values Fair Value By Balance Sheet Grouping (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and Cash Equivalents	$ 84,239	$ 72,838	$ 57,355	$ 51,068
Available-for-Sale	317,535	300,200
Held-to-Maturity (Approximate Fair Value of $280,338 at December 31, 2018, and $335,901 at December 31, 2017)	283,476	335,907
Held-To-Maturity Securities, at Fair Value	280,338	335,901
Equity securities	1,774	0
Other Investments	15,506	9,949
Net Loans	2,176,019	1,932,184
Deposits	2,345,584	2,245,116
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	54,659	64,966
Federal Home Loan Bank Overnight Advances	234,000	105,000
Federal Home Loan Bank Term Advances	45,000	55,000
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and Cash Equivalents	84,239	72,838
Available-for-Sale	317,535	300,200
Held-to-Maturity (Approximate Fair Value of $280,338 at December 31, 2018, and $335,901 at December 31, 2017)	283,476	335,907
Other Investments	15,506	9,949
Net Loans	2,176,019	1,932,184
Accrued Interest Receivable	7,035	6,753
Deposits	2,345,584	2,245,116
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	54,659	64,966
Federal Home Loan Bank Overnight Advances	234,000	105,000
Federal Home Loan Bank Term Advances	45,000	55,000
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Accrued Interest Payable	570	410
Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	84,239	72,838
Available-for-Sale	317,535	300,200
Held-To-Maturity Securities, at Fair Value	280,338	335,901
Equity securities	1,774
Federal Home Loan Bank Stock and Federal Reserve Bank Stock, Fair Value Disclosure	15,506	9,949
Net Loans, Fair Value Disclosure	2,114,372	1,901,046
Accrued Interest Receivable, Fair Value Disclosure	7,035	6,753
Deposits, Fair Value Disclosure	2,338,410	2,236,548
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase, Fair Value Disclosure	54,659	64,966
Federal Home Loan Bank Overnight Advances	234,000	105,000
Federal Home Loan Bank Term Advances, Fair Value Disclosure	44,652	54,781
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts, Fair Value Disclosure	20,000	20,000
Accrued Interest Payable, Fair Value Disclosure	570	410
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	84,239	72,838
Available-for-Sale	0	0
Held-To-Maturity Securities, at Fair Value	0	0
Federal Home Loan Bank Stock and Federal Reserve Bank Stock, Fair Value Disclosure	0	0
Net Loans, Fair Value Disclosure	0	0
Accrued Interest Receivable, Fair Value Disclosure	0	0
Deposits, Fair Value Disclosure	0	0
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase, Fair Value Disclosure	0	0
Federal Home Loan Bank Overnight Advances	0	0
Federal Home Loan Bank Term Advances, Fair Value Disclosure	0	0
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts, Fair Value Disclosure	0	0
Accrued Interest Payable, Fair Value Disclosure	0	0
Significant Other Observable Inputs (Level 2) | Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	0	0
Available-for-Sale	317,535	300,200
Held-To-Maturity Securities, at Fair Value		335,901
Equity securities	1,774
Federal Home Loan Bank Stock and Federal Reserve Bank Stock, Fair Value Disclosure	15,506	9,949
Net Loans, Fair Value Disclosure	0	0
Accrued Interest Receivable, Fair Value Disclosure	7,035	6,753
Deposits, Fair Value Disclosure	2,338,410	2,236,548
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase, Fair Value Disclosure	54,659	64,966
Federal Home Loan Bank Overnight Advances	234,000	105,000
Federal Home Loan Bank Term Advances, Fair Value Disclosure	44,652	54,781
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts, Fair Value Disclosure	20,000	20,000
Accrued Interest Payable, Fair Value Disclosure	570	410
Significant Unobservable Inputs (Level 3) | Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and Cash Equivalents, Fair Value Disclosure	0	0
Available-for-Sale	0	0
Held-To-Maturity Securities, at Fair Value	0	0
Federal Home Loan Bank Stock and Federal Reserve Bank Stock, Fair Value Disclosure	0	0
Net Loans, Fair Value Disclosure	2,114,372	1,901,046
Accrued Interest Receivable, Fair Value Disclosure	0	0
Deposits, Fair Value Disclosure	0	0
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase, Fair Value Disclosure	0	0
Federal Home Loan Bank Overnight Advances	0	0
Federal Home Loan Bank Term Advances, Fair Value Disclosure	0	0
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts, Fair Value Disclosure	0	0
Accrued Interest Payable, Fair Value Disclosure	$ 0	$ 0

Leases Rent Expense (Details)

Leases Rent Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Leases [Abstract]
Rent Expense	$ 844	$ 746	$ 822

Leases (Details)

Leases (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)branch_office
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
2,019	$ 857
2,020	626
2,021	497
2,022	357
2,023	286
2024 and beyond	2,776
Total Minimum Lease Payments	$ 5,399
Number of branch offices | branch_office	5

Regulatory Matters (Details)

Regulatory Matters (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Maximum Subsidiary Dividend	$ 56,100
Parent Company
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Capital (to Risk Weighted Assets) - Actual Amount	$ 304,109	$ 278,163
Total Capital (to Risk Weighted Assets) - Actual Ratio	14.90%	15.00%
Total Capital (to Risk Weighted Assets) - Minimum Amounts For Capital Adequacy Purposes Amount	$ 202,059	$ 172,461
Total Capital (to Risk Weighted Assets) - Minimum Amounts For Capital Adequacy Purposes Ratio	9.90%	9.30%
Total Capital (to Risk Weighted Assets) - Minimum Amounts To Be Well-Capitalized Amount	$ 204,100	$ 185,442
Total Capital (to Risk Weighted Assets) - Minimum Amounts To Be Well-Capitalized Ratio	10.00%	10.00%
Tier I Capital (to Risk Weighted Assets) - Actual Amount	$ 283,913	$ 259,378
Tier I Capital (to Risk Weighted Assets) - Actual Ratio	13.90%	14.00%
Tier I Capital (to Risk Weighted Assets) - Minimum Accounts For Capital Adequacy Purposes Amount	$ 161,361	$ 135,247
Tier I Capital (to Risk Weighted Assets) - Minimum Amounts For Capital Adequacy Purposes Ratio	7.90%	7.30%
Tier I Capital (to Risk Weighted Assets) - Minimum Amounts To Be Well-Capitalized Ratio	$ 163,403	$ 148,216
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	8.00%	8.00%
Tier One Risk Based Capital	$ 283,913	$ 259,378
Tier One Leverage Capital to Average Assets	9.60%	9.50%
Tier One Leverage Capital Required for Capital Adequacy	$ 118,297	$ 109,212
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	4.00%	4.00%
Tier One Leverage Capital Required to be Well Capitalized	$ 147,871	$ 136,515
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	5.00%	5.00%
Common Equity Tier 1 Capital Ratio	$ 263,863	$ 239,326
Common Equity Tier 1 Capital Ratio Percentage	12.90%	12.90%
Common Equity Tier 1 Capital Ratio Required for Capital Adequacy	$ 130,909	$ 107,604
Common Equity Tier 1 Capital Ratio For Capital Adequacy	6.40%	5.80%
Common Equity Tier 1 Leverage Capital Required to be Well Capitalized	$ 132,954	$ 120,591
Common Equity Tier 1 Capital Ratio to be Well Capitalized	6.50%	6.50%
Glens Falls National
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Capital (to Risk Weighted Assets) - Actual Amount	$ 237,238	$ 220,275
Total Capital (to Risk Weighted Assets) - Actual Ratio	14.40%	14.60%
Total Capital (to Risk Weighted Assets) - Minimum Amounts For Capital Adequacy Purposes Amount	$ 163,101	$ 140,312
Total Capital (to Risk Weighted Assets) - Minimum Amounts For Capital Adequacy Purposes Ratio	9.90%	9.30%
Total Capital (to Risk Weighted Assets) - Minimum Amounts To Be Well-Capitalized Amount	$ 164,749	$ 150,873
Total Capital (to Risk Weighted Assets) - Minimum Amounts To Be Well-Capitalized Ratio	10.00%	10.00%
Tier I Capital (to Risk Weighted Assets) - Actual Amount	$ 220,844	$ 205,200
Tier I Capital (to Risk Weighted Assets) - Actual Ratio	13.40%	13.60%
Tier I Capital (to Risk Weighted Assets) - Minimum Accounts For Capital Adequacy Purposes Amount	$ 130,199	$ 110,144
Tier I Capital (to Risk Weighted Assets) - Minimum Amounts For Capital Adequacy Purposes Ratio	7.90%	7.30%
Tier I Capital (to Risk Weighted Assets) - Minimum Amounts To Be Well-Capitalized Ratio	$ 131,847	$ 120,706
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	8.00%	8.00%
Tier One Risk Based Capital	$ 220,844	$ 205,200
Tier One Leverage Capital to Average Assets	9.10%	9.10%
Tier One Leverage Capital Required for Capital Adequacy	$ 97,074	$ 90,198
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	4.00%	4.00%
Tier One Leverage Capital Required to be Well Capitalized	$ 121,343	$ 112,747
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	5.00%	5.00%
Common Equity Tier 1 Capital Ratio	$ 220,794	$ 205,148
Common Equity Tier 1 Capital Ratio Percentage	13.40%	13.60%
Common Equity Tier 1 Capital Ratio Required for Capital Adequacy	$ 105,454	$ 87,490
Common Equity Tier 1 Capital Ratio For Capital Adequacy	6.40%	5.80%
Common Equity Tier 1 Leverage Capital Required to be Well Capitalized	$ 107,102	$ 98,049
Common Equity Tier 1 Capital Ratio to be Well Capitalized	6.50%	6.50%
Saratoga National
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Capital (to Risk Weighted Assets) - Actual Amount	$ 56,483	$ 48,822
Total Capital (to Risk Weighted Assets) - Actual Ratio	14.20%	14.00%
Total Capital (to Risk Weighted Assets) - Minimum Amounts For Capital Adequacy Purposes Amount	$ 39,379	$ 32,432
Total Capital (to Risk Weighted Assets) - Minimum Amounts For Capital Adequacy Purposes Ratio	9.90%	9.30%
Total Capital (to Risk Weighted Assets) - Minimum Amounts To Be Well-Capitalized Amount	$ 39,777	$ 34,873
Total Capital (to Risk Weighted Assets) - Minimum Amounts To Be Well-Capitalized Ratio	10.00%	10.00%
Tier I Capital (to Risk Weighted Assets) - Actual Amount	$ 52,681	$ 45,311
Tier I Capital (to Risk Weighted Assets) - Actual Ratio	13.20%	13.00%
Tier I Capital (to Risk Weighted Assets) - Minimum Accounts For Capital Adequacy Purposes Amount	$ 31,529	$ 25,444
Tier I Capital (to Risk Weighted Assets) - Minimum Amounts For Capital Adequacy Purposes Ratio	7.90%	7.30%
Tier I Capital (to Risk Weighted Assets) - Minimum Amounts To Be Well-Capitalized Ratio	$ 31,928	$ 27,884
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	8.00%	8.00%
Tier One Risk Based Capital	$ 52,681	$ 45,311
Tier One Leverage Capital to Average Assets	9.60%	9.40%
Tier One Leverage Capital Required for Capital Adequacy	$ 21,950	$ 19,281
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	4.00%	4.00%
Tier One Leverage Capital Required to be Well Capitalized	$ 27,438	$ 24,102
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	5.00%	5.00%
Common Equity Tier 1 Capital Ratio	$ 52,681	$ 45,311
Common Equity Tier 1 Capital Ratio Percentage	13.20%	13.00%
Common Equity Tier 1 Capital Ratio Required for Capital Adequacy	$ 25,542	$ 20,216
Common Equity Tier 1 Capital Ratio For Capital Adequacy	6.40%	5.80%
Common Equity Tier 1 Leverage Capital Required to be Well Capitalized	$ 25,941	$ 22,656
Common Equity Tier 1 Capital Ratio to be Well Capitalized	6.50%	6.50%

Parent Only Financial Informa_3

Parent Only Financial Information Parent Only Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
ASSETS
Interest-Bearing Deposits at Banks	$ 27,710	$ 30,276
Available-for-Sale	317,535	300,200
Equity securities	1,774	0
Other Assets	55,614	57,606
Total Assets	2,988,334	2,760,465
LIABILITIES
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Other Liabilities	19,507	20,780
Total Liabilities	2,718,750	2,510,862
Equity [Abstract]
Stockholders' Equity Attributable to Parent	269,584	249,603	$ 232,852	$ 213,971
Total Liabilities and Stockholders' Equity	2,988,334	2,760,465
Parent Company
ASSETS
Interest-Bearing Deposits at Banks	2,298	2,186
Available-for-Sale	0	1,562
Equity securities	1,774	0
Investment in Subsidiaries at Equity	280,408	261,622
Other Assets	8,626	7,987
Total Assets	293,106	273,357
LIABILITIES
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Other Liabilities	3,522	3,754
Total Liabilities	23,522	23,754
Equity [Abstract]
Stockholders' Equity Attributable to Parent	269,584	249,603
Total Liabilities and Stockholders' Equity	$ 293,106	$ 273,357

Parent Only Financial Informa_4

Parent Only Financial Information Parent Only Income Statement (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Condensed Financial Statements, Captions [Line Items]
Interest and Dividends on Investments	$ 96,503	$ 84,657	$ 76,915
Other Operating Income	1,324	927	1,113
Interest Expense	12,485	7,006	5,356
Other Operating Expense	15,599	14,577	14,494
Provision for Income Taxes	9,026	10,529	11,215
Net Income	36,279	29,326	26,534
Parent Company
Condensed Financial Statements, Captions [Line Items]
Dividends from Bank Subsidiaries	13,300	12,800	11,650
Interest and Dividends on Investments	48	53	117
Other Operating Income	907	677	635
Total Income	14,255	13,530	12,402
Interest Expense	976	781	691
Other Operating Expense	1,175	958	942
Total Expense	2,151	1,739	1,633
Income Before Income Tax Benefit and Equity in Undistributed Net Income of Subsidiaries	12,104	11,791	10,769
Provision for Income Taxes	686	225	482
Equity in Undistributed Net Income of Subsidiaries	23,489	17,310	15,283
Net Income	$ 36,279	$ 29,326	$ 26,534

Parent Only Financial Informa_5

Parent Only Financial Information Parent Only Statement of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Cash Flows from Operating Activities:
Net Income	$ 36,279	$ 29,326	$ 26,534
Stock-Based Compensation Expense	356	351	287
Net Cash Provided By Operating Activities	41,976	37,827	34,695
Cash Flows from Investing Activities:
Proceeds from the Maturities and Calls of Securities Held-to-Maturity	58,978	49,244	56,461
Net Cash Used In Investing Activities	(227,770)	(148,566)	(157,789)
Cash Flows from Financing Activities:
Shares Issued for Stock Option Exercises, net	2,255	1,190	2,404
Shares Issued for Dividend Reinvestment Plans	1,761	1,684	1,743
Tax Benefit for Exercises of Stock Options	0	0	188
Purchase of Treasury Stock	(2,098)	(3,248)	(2,141)
Cash Dividends Paid	(14,389)	(13,599)	(13,092)
Net Cash Provided By Financing Activities	197,195	126,222	129,381
Net Increase (Decrease) in Cash and Cash Equivalents	11,401	15,483	6,287
Cash and Cash Equivalents at Beginning of Year	72,838	57,355	51,068
Cash and Cash Equivalents at End of Year	84,239	72,838	57,355
Parent Company
Cash Flows from Operating Activities:
Net Income	36,279	29,326	26,534
Undistributed Net Income of Subsidiaries	(23,489)	(17,310)	(15,283)
Stock-Based Compensation Expense	205	233	205
Changes in Other Assets and Other Liabilities	(918)	(1,179)	(899)
Net Cash Provided By Operating Activities	12,077	11,070	10,557
Cash Flows from Investing Activities:
Proceeds from the Maturities and Calls of Securities Held-to-Maturity	0	1,000	0
Net Cash Used In Investing Activities	0	1,000	0
Cash Flows from Financing Activities:
Shares Issued for Stock Option Exercises, net	2,255	1,190	2,404
Shares Issued Under the Employee Stock Purchase Plan	505	496	493
Shares Issued for Dividend Reinvestment Plans	1,761	1,684	1,743
Tax Benefit for Exercises of Stock Options	0	0	188
Purchase of Treasury Stock	(2,097)	(3,248)	(2,141)
Cash Dividends Paid	(14,389)	(13,599)	(13,092)
Net Cash Provided By Financing Activities	(11,965)	(13,477)	(10,405)
Net Increase (Decrease) in Cash and Cash Equivalents	112	(1,407)	152
Cash and Cash Equivalents at Beginning of Year	2,186	3,593	3,441
Cash and Cash Equivalents at End of Year	2,298	2,186	3,593
Interest on Deposits and Borrowings	$ 976	$ 781	$ 691