Arrow Financial (AROW) 10-K 28 Feb 20 2019 FY Annual report Financial data

Document and Entity Information

Document and Entity Information Document - USD ($)	12 Months Ended
	Dec. 31, 2019	Feb. 27, 2020	Jun. 30, 2019
Document and Entity Information [Abstract]
Entity Registrant Name	Arrow Financial Corporation
Entity Central Index Key	0000717538
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, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Amendment Flag	false
Entity Common Stock, Shares Outstanding		15,014,587
Entity Well-known Seasoned Filer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Public Float			$ 502,734,584

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and Due From Banks	$ 47,035	$ 56,529
Interest-Bearing Deposits at Banks	23,186	27,710
Investment Securities:
Available-for-Sale	357,334	317,535
Held-to-Maturity (Approximate Fair Value of $249,618 at December 31, 2019, and $280,338 at December 31, 2018)	245,065	283,476
Equity Securities	2,063	1,774
Other Investments	10,317	15,506
Loans	2,386,120	2,196,215
Allowance for Loan Losses	(21,187)	(20,196)
Net Loans	2,364,933	2,176,019
Premises and Equipment, Net	40,629
Premises and Equipment, Net	35,458	30,446
Goodwill	21,873	21,873
Other Intangible Assets, Net	1,661	1,852
Other Assets	70,179	55,614
Total Assets	3,184,275	2,988,334
LIABILITIES
Noninterest-Bearing Deposits	484,944	472,768
Interest-Bearing Checking Accounts	689,221	790,781
Savings Deposits	1,046,568	818,048
Time Deposits over $250,000	123,968	73,583
Other Time Deposits	271,353	190,404
Total Deposits	2,616,054	2,345,584
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	51,099	54,659
Federal Home Loan Bank Overnight Advances	130,000	234,000
Federal Home Loan Bank Term Advances	30,000	45,000
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Finance Leases	5,254
Other Liabilities	30,140	19,507
Total Liabilities	2,882,547	2,718,750
STOCKHOLDERS’ EQUITY
Preferred Stock, $1 Par Value and 1,000,000 Shares Authorized at December 31, 2019 and $5 Par Value; 1,000,000 Shares Authorized at December 31, 2018	0	0
Common Stock, $1 Par Value; 30,000,000 Shares Authorized at December 31, 2019 and 20,000,000 Shares Authorized at December 31, 2018 (19,606,449 Shares Issued at December 31, 2019, and 19,035,565 Shares Issued at December 31, 2018)	19,606	19,035
Additional Paid-in Capital	335,355	314,533
Retained Earnings	33,218	29,257
Unallocated ESOP Shares (None at December 31, 2019, and 5,001 Shares at December 31, 2018)	0	(100)
Accumulated Other Comprehensive Loss	(6,357)	(13,810)
Treasury Stock, at Cost (4,608,258 Shares at December 31, 2019, and 4,558,207 Shares at December 31, 2018)	(80,094)	(79,331)
Total Stockholders’ Equity	301,728	269,584
Total Liabilities and Stockholders’ Equity	$ 3,184,275	$ 2,988,334

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Statement of Financial Position [Abstract]
Held-To-Maturity Securities, at Fair Value		$ 280,338
Preferred Stock, Par Value (in dollars per share)	$ 1	$ 5
Preferred Stock, Shares Authorized (in shares)	1,000,000	1,000,000
Common Stock, Par Value (in dollars per share)	$ 1	$ 1
Common Stock, Shares Authorized (in shares)	30,000,000	20,000,000
Common Stock, Shares Issued (in shares)	19,606,449	19,035,565
Unallocated ESOP Shares (in shares)	0	5,001
Treasury Stock, Shares (in shares)	4,608,258	4,558,207

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
INTEREST AND DIVIDEND INCOME
Interest and Fees on Loans	$ 95,467	$ 81,647	$ 70,202
Interest on Deposits at Banks	722	711	348
Interest and Dividends on Investment Securities:
Fully Taxable	8,883	8,582	7,884
Exempt from Federal Taxes	4,687	5,563	6,223
Total Interest and Dividend Income	109,759	96,503	84,657
INTEREST EXPENSE
Interest-Bearing Checking Accounts	1,985	1,618	1,510
Savings Deposits	8,399	3,457	1,371
Time Deposits over $250,000	1,932	1,183	282
Other Time Deposits	4,224	1,420	950
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	100	62	44
Federal Home Loan Bank Advances	3,952	3,779	2,083
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	1,019	966	766
Interest on Financing Leases	99	0	0
Total Interest Expense	21,710	12,485	7,006
NET INTEREST INCOME	88,049	84,018	77,651
Provision for Loan Losses	2,079	2,607	2,736
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	85,970	81,411	74,915
NONINTEREST INCOME
Insurance Commissions	7,182	7,888	8,612
Net Gain (Loss) on Securities	289	213	(448)
Net Gain on Sales of Loans	622	135	546
Other Operating Income	1,477	1,324	927
Total Noninterest Income	28,555	28,949	27,645
NONINTEREST EXPENSE
Salaries and Employee Benefits	38,402	38,788	37,677
Occupancy Expenses, Net	5,407	5,026	4,911
Technology and Equipment Expense	13,054	11,284	10,474
FDIC Assessments	157	881	891
Other Operating Expense	10,430	9,076	8,752
Total Noninterest Expense	67,450	65,055	62,705
INCOME BEFORE PROVISION FOR INCOME TAXES	47,075	45,305	39,855
Provision for Income Taxes	9,600	9,026	10,529
NET INCOME	$ 37,475	$ 36,279	$ 29,326
Average Shares Outstanding:
Basic (in shares)	14,940	14,840	14,739
Diluted (in shares)	14,983	14,922	14,838
Per Common Share:
Basic Earnings (in dollars per share)	$ 2.51	$ 2.44	$ 1.99
Diluted Earnings (in dollars per share)	$ 2.50	$ 2.43	$ 1.98
Stock dividend, percent	3.00%	3.00%	3.00%
Fiduciary and Trust
NONINTEREST INCOME
Income From Fiduciary Activities	$ 8,809	$ 9,255	$ 8,417
Deposit Account
NONINTEREST INCOME
Income From Fiduciary Activities	$ 10,176	$ 10,134	$ 9,591

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Statement of Comprehensive Income [Abstract]
Net Income	$ 37,475	$ 36,279	$ 29,326
Other Comprehensive Income (Loss), Net of Tax:
Unrealized Net Securities Holding Gains (Losses) Arising During the Year	4,162	(2,116)	(940)
Reclassification Adjustment for Net Securities Losses Included in Net Income	0	0	337
Net Retirement Plan Gain (Loss)	2,614	(2,833)	214
Net Retirement Plan Prior Service Cost	0	(338)	0
Amortization of Net Retirement Plan Actuarial Loss	510	242	362
Amortization of Net Retirement Plan Actuarial Loss	167	80	(8)
Other Comprehensive Income (Loss)	7,453	(4,965)	(35)
Comprehensive Income	$ 44,928	$ 31,314	$ 29,291

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands		Total	Common Stock	Additional Paid-In Capital	Retained Earnings	Unallocated ESOP Shares	Accumulated Other Comprehensive Income (Loss)	Treasury Stock
Beginning 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 Income (Loss)		(35)					(35)
Reclassification due to the adoption of ASU No. 2018-02		0			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
Purchases of Treasury Stock		(3,248)						(3,248)
Allocation of ESOP Stock		353		153		200
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]
Net Income		36,279			36,279
Other Comprehensive Income (Loss)		(4,965)					(4,965)
Stock Dividend	[2]	0	554	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
Purchases of Treasury Stock		(2,098)						(2,098)
Allocation of ESOP Stock		174		74		100
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]
Net Income		37,475			37,475
Other Comprehensive Income (Loss)		7,453					7,453
Stock Dividend	[2]	0	571	17,737	(18,308)
Cash Dividends Paid	[1]	(15,206)			(15,206)
Shares Issued for Stock Option Exercises, net		1,792		877				915
Shares Issued Under the Directors' Stock Plan		258		177				81
Shares Issued Under the Employee Stock Purchase Plan		493		328				165
Shares Issued for Dividend Reinvestment Plans		1,777		1,232				545
Stock-Based Compensation Expense		391		391
Purchases of Treasury Stock		(2,469)						(2,469)
Allocation of ESOP Stock		180		80		100
Ending balance at Dec. 31, 2019		$ 301,728	$ 19,606	$ 335,355	$ 33,218	$ 0	$ (6,357)	$ (80,094)
[1]	Cash dividends paid per share have been adjusted for the September 27, 2019 3% stock dividend.
[2]	Included in the shares issued for the 3% stock dividend in 2019 were treasury shares of 134,922 and unallocated ESOP shares of 150.

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Statement of Stockholders' Equity [Abstract]
Stock dividend, percent	3.00%	3.00%	3.00%
Treasury Stock, Shares (in shares)	4,608,258	4,558,207
Unallocated ESOP Shares (in shares)	0	5,001
Cash Dividends Paid (in dollars per share)	$ 1.02	$ 0.97	$ 0.92
Stock Dividends (in shares)	570,884	554,264	538,100
Stock Options Exercised (in shares)	84,216	105,055	57,756
Shares Issued Under Directors Stock Plan (in shares)	7,580	5,601	6,828
Shares Issued Under the Employee Stock Purchase Plan (in shares)	15,379	14,832	15,028
Shares Issued for Dividend Reinvestment Plans (in shares)	51,191	49,714	49,605
Purchase of Treasury Stock (in shares)	73,495	58,527	96,496
Allocation of ESOP Stock (in shares)	5,151	4,931	10,407

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash Flows from Operating Activities:
Net Income	$ 37,475	$ 36,279	$ 29,326
Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities:
Provision for Loan Losses	2,079	2,607	2,736
Depreciation and Amortization	5,503	4,751	5,398
Allocation of ESOP Stock	180	174	353
Gains on the Sale of Securities Available-for-Sale	0	0	(134)
Losses on the Sale of Securities Available-for-Sale	0	0	582
Net Gain on Equity Securities	(289)	(213)	0
Loans Originated and Held-for-Sale	(23,850)	(4,179)	(17,468)
Proceeds from the Sale of Loans Held-for-Sale	24,538	4,426	18,171
Net Gains on the Sale of Loans	(622)	(135)	(546)
Net Losses on the Sale or Write-down of Premises and Equipment, Other Real Estate Owned and Repossessed Assets	882	159	210
Contributions to Pension & Postretirement Plans	(675)	(744)	(792)
Deferred Income Tax Benefit (Expense)	344	(92)	(1,530)
Shares Issued Under the Directors’ Stock Plan	258	205	233
Stock-Based Compensation Expense	391	356	351
Tax Benefit from Exercise of Stock Options	227	240	112
Net Increase in Other Assets	(12,527)	(1,182)	(157)
Net Increase (Decrease) in Other Liabilities	10,030	(676)	982
Net Cash Provided By Operating Activities	43,944	41,976	37,827
Cash Flows from Investing Activities:
Proceeds from the Sale of Securities Available-for-Sale	0	0	107,175
Proceeds from the Maturities and Calls of Securities Available-for-Sale	96,058	61,807	53,863
Purchases of Securities Available-for-Sale	(131,348)	(84,746)	(117,262)
Proceeds from the Maturities and Calls of Securities Held-to-Maturity	41,607	58,978	49,244
Purchases of Securities Held-to-Maturity	(4,003)	(7,506)	(40,851)
Net Increase in Loans	(193,460)	(247,569)	(200,600)
Proceeds from the Sales of Premises and Equipment, Other Real Estate Owned and Repossessed Assets	1,511	1,828	1,408
Purchase of Premises and Equipment	(7,785)	(5,103)	(2,602)
Proceeds from the Sale of a Subsidiary, Net	0	98	96
Net Decrease (Increase) in Federal Home Loan Bank Stock	5,189	(5,557)	963
Net Cash Used In Investing Activities	(192,231)	(227,770)	(148,566)
Cash Flows from Financing Activities:
Net Increase in Deposits	270,470	100,468	128,569
Net (Decrease) Increase in Short-Term Federal Home Loan Bank Borrowings	(104,000)	129,000	(18,000)
Net (Decrease) Increase in Short-Term Borrowings	(3,560)	(10,307)	29,130
Finance Lease Payments	(28)
Repayments of Federal Home Loan Bank Advances	(15,000)	(10,000)	0
Purchase of Treasury Stock	(2,469)	(2,098)	(3,248)
Shares Issued for Stock Option Exercises, net	1,792	2,255	1,190
Shares Issued Under the Employee Stock Purchase Plan	493	505	496
Shares Issued for Dividend Reinvestment Plans	1,777	1,761	1,684
Cash Dividends Paid	(15,206)	(14,389)	(13,599)
Net Cash Provided By Financing Activities	134,269	197,195	126,222
Net (Decrease) Increase in Cash and Cash Equivalents	(14,018)	11,401	15,483
Cash and Cash Equivalents at Beginning of Year	84,239	72,838	57,355
Cash and Cash Equivalents at End of Year	70,221	84,239	72,838
Supplemental Disclosures to Statements of Cash Flow Information:
Interest on Deposits and Borrowings	20,843	12,212	6,957
Income Taxes	9,931	10,037	11,454
Non-cash Investing and Financing Activity:
Transfer of Loans to Other Real Estate Owned and Repossessed Assets	$ 1,810	$ 1,015	$ 1,779

Risks and Uncertainties

Risks and Uncertainties	12 Months Ended
	Dec. 31, 2019
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, 2019
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. Investments in Federal Reserve Bank and Federal Home Loan Bank (“FHLB”) stock are required for membership in those organizations and are carried at cost since there is no market value available. The FHLB New York continues to pay dividends and repurchase stock. As such, the Company has not recognized any impairment on its holdings of Federal Reserve Bank and FHLB stock. 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. Comprehensive Income (Loss) - For the Company, comprehensive income (loss) represents net income plus unrealized net securities holding gains or losses arising during the year (net of taxes), net retirement plan gain or loss (net of taxes), net retirement plan prior service cost (net of taxes), amortization of net retirement plan actuarial gain or loss (net of taxes) and amortization of net retirement plan prior service credit or cost (net of taxes) and is presented in the Consolidated Statements of Comprehensive Income (Loss) and Consolidated Statements of Changes in Shareholders’ Equity. Accumulated other comprehensive income (loss) represents the unrealized net securities holding gains or losses arising during the year (net of taxes), net retirement plan gain or loss (net of taxes), net retirement plan prior service cost (net of taxes), amortization of net retirement plan actuarial gain or loss (net of taxes) and amortization of net retirement plan prior service credit or cost (net of taxes) in the Company’s defined-benefit retirement and pension plan, supplemental employee retirement plan, and post-retirement life and healthcare benefit plan. Revenue Recognition - The following is a description of principal activities from which the Company generates its revenue from noninterest income sources. 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. Leases - The Company adopted 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, as of January 1, 2019 using the effective date method, also known as the modified retrospective method, with the cumulative-effect adjustment recorded at the beginning of the period of adoption. As a result of this adoption, the Company's assets increased $7.9 million and the Company's liabilities increased $8.0 million with no adjustment required to retained earnings and no material impact to the consolidated statements of income. Practical Expedients Elected At Adoption: The package of practical expedients were elected that did not require the Company to reassess whether an existing contract contains a lease, to reassess existing leases between operating leases and finance leases or to reassess initial direct costs for any existing leases. These practical expedients were applied together. In addition, the Company also elected a practical expedient, which was required to 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. Accounting Policy Elections: The Company also made two accounting policy elections related to the adoption of this standard. The first was 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 was to account for short-term leases, those leases with a "lease term" of twelve months or less, as an operating lease. Determination of the Discount Rate to Calculate the Lease Liability: Since the Company was unable to determine the rate implicit in its leases, the secured borrowing rate from the Federal Home Loan Bank of New York as of the January 1, 2019 adoption date was utilized for existing leases for the effective lease term beginning with the effective date of each existing lease. The expected expiration date of each lease was determined on a lease-by-lease basis based on the availability of renewal options in the lease contracts, the amount of leasehold improvements at each location, total branch deposits at each location in addition to the feasibility of growth potential at each location. A similar process is followed to determine the expected lease expiration date for all leases executed subsequent to the January 1, 2019 adoption date. The discount rate is determined for leases executed subsequent to the January 1, 2019 adoption date based on the expected lease term using the secured borrowing rate from the Federal Home Loan Bank of New York as of the effective date of the lease. 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 - 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-based compenation 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 each loan type. Then a credit loss component is determined utilizing the credit loss assumptions used in the allowance

Cash and Cash Equivalents

Cash and Cash Equivalents	12 Months Ended
	Dec. 31, 2019
Cash and Cash Equivalents [Abstract]
Cash and Cash Equivalents	CASH AND CASH EQUIVALENTS (Dollars In Thousands) (at December 31, ) 2019 2018 Cash and Due From Banks $ 47,035 $ 56,529 Interest-Bearing Deposits at Banks 23,186 27,710 Total Cash and Cash Equivalents $ 70,221 $ 84,239 Supplemental Information: Total required reserves, including vault cash and Federal Reserve Bank deposits $ 35,985 $ 40,677 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, 2019
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, 2019 and 2018 : Available-For-Sale Securities U.S. Government & Agency State and Mortgage- Corporate Total December 31, 2019 Available-For-Sale Securities, $ 5,002 $ 764 $ 349,944 $ 1,000 $ 356,710 Available-For-Sale Securities, 5,054 764 350,716 800 357,334 Gross Unrealized Gains 52 — 1,852 — 1,904 Gross Unrealized Losses — — 1,080 200 1,280 Available-For-Sale Securities, 164,426 Maturities of Debt Securities, Within One Year — 25 18 — 43 From 1 - 5 Years 5,002 299 300,271 — 305,572 From 5 - 10 Years — — 49,655 1,000 50,655 Over 10 Years — 440 — — 440 Maturities of Debt Securities, Within One Year — 26 18 — 44 From 1 - 5 Years 5,054 298 301,336 — 306,688 From 5 - 10 Years — — 49,362 800 50,162 Over 10 Years — 440 — — 440 Securities in a Continuous Loss Position, at Fair Value: Less than 12 Months $ — $ — $ 52,491 $ — $ 52,491 12 Months or Longer — — 97,164 800 97,964 Total $ — $ — $ 149,655 $ 800 $ 150,455 Number of Securities in a Continuous Loss Position — — 54 1 55 Unrealized Losses on Securities in a Continuous Loss Position: Less than 12 Months $ — $ — $ 317 $ — $ 317 12 Months or Longer — — 763 200 963 Total $ — $ — $ 1,080 $ 200 $ 1,280 Disaggregated Details: US Agency Obligations, 5,002 US Agency Obligations, 5,054 US Government Agency $ 61,102 US Government Agency 60,616 Government Sponsored Entity 288,842 Government Sponsored Entity 290,100 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, 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 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 Agency Obligations, 47,071 US Agency Obligations, 46,765 US Government Agency 72,095 US Government Agency 71,800 Government Sponsored Entity 201,132 Government Sponsored Entity 196,975 The following table is the schedule of Held-To-Maturity Securities at December 31, 2019 and 2018 : Held-To-Maturity Securities State and Mortgage- Total December 31, 2019 Held-To-Maturity Securities, $ 208,243 $ 36,822 $ 245,065 Held-To-Maturity Securities, 212,319 37,299 249,618 Gross Unrealized Gains 4,170 477 4,647 Gross Unrealized Losses 94 — 94 Held-To-Maturity Securities, 237,969 Maturities of Debt Securities, Within One Year 17,243 3,532 20,775 From 1 - 5 Years 115,150 33,290 148,440 From 5 - 10 Years 74,259 — 74,259 Over 10 Years 1,591 — 1,591 Maturities of Debt Securities, Within One Year 17,276 3,586 20,862 From 1 - 5 Years 117,178 33,713 150,891 From 5 - 10 Years 76,242 — 76,242 Over 10 Years 1,623 — 1,623 Securities in a Continuous Less than 12 Months $ 1,438 $ — $ 1,438 12 Months or Longer 1,994 — 1,994 Total $ 3,432 $ — $ 3,432 Number of Securities in a 10 — 10 Unrealized Losses on Securities Less than 12 Months $ 85 $ — $ 85 12 Months or Longer 9 — 9 Total $ 94 $ — $ 94 Disaggregated Details: US Government Agency 1,703 US Government Agency 1,720 Government Sponsored Entity 35,119 Government Sponsored Entity 35,579 Held-To-Maturity Securities State and Mortgage- Total 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 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 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, 2019 and December 31, 2018 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, 2019 , 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 there is no current intention to sell any of our temporarily impaired securities, and because it is not more likely than not that it 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, 2019 and 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, 2019 2018 Equity Securities, at Fair Value $ 2,063 $ 1,774 The following is a summary of realized and unrealized gains and losses recognized in net income on equity securities during the years ended December 31, 2019 and 2018 : December 31, 2019 2018 Net Gain on Equity Securities $ 289 $ 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 $ 289 $ 213 Schedule of Federal Reserve Bank and Federal Home Loan Bank Stock (at cost) December 31, 2019 2018 Federal Reserve Bank Stock $ 1,138 $ 1,132 Federal Home Loan Bank Stock 9,179 14,374 Total Federal Reserve Bank and Federal Home Loan Bank Stock $ 10,317 $ 15,506

Loans

Loans	12 Months Ended
	Dec. 31, 2019
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, 2019 and December 31, 2018 and an analysis of the recorded investment in loans that are past due at these dates. Loans held-for-sale of $150 and $215 as of December 31, 2019 , and December 31, 2018 , respectively, are included in the residential real estate balances for current loans. Schedule of Past Due Loans by Loan Category Commercial Commercial Real Estate Consumer Residential Total December 31, 2019 Loans Past Due 30-59 Days $ 150 $ — $ 5,670 $ 152 $ 5,972 Loans Past Due 60-89 Days 42 266 2,700 2,027 5,035 Loans Past Due 90 or More Days 21 326 445 1,807 2,599 Total Loans Past Due 213 592 8,815 3,986 13,606 Current Loans 150,447 509,949 802,383 909,735 2,372,514 Total Loans $ 150,660 $ 510,541 $ 811,198 $ 913,721 $ 2,386,120 Loans 90 or More Days Past Due and Still Accruing Interest $ — $ — $ — $ 253 $ 253 Nonaccrual Loans 81 326 663 2,935 4,005 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 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 typically 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 served. Many projects will ultimately be used by the borrowers' businesses, while others are developed for resale. These real estate loans are also typically secured by first liens on the real estate, which may include apartments, commercial structures, housing businesses, 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. The Company originates fixed-rate and adjustable-rate and fixed-rate one-to-four-family residential real estate loans for the construction, the purchase real estate 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 2019 2018 Supplemental Information : Unamortized deferred loan origination costs, net of deferred loan origination fees, included in the above balances $ 5,181 $ 4,494 Overdrawn deposit accounts, included in the above balances 2,420 572 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 731,240 550,750 Residential real estate loans serviced for Freddie Mac, not included in the balances above 139,094 133,747 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 Total Rollfoward of the Allowance for Loan Losses for the Year Ended: December 31, 2018 $ 1,218 $ 5,644 $ 8,882 $ 4,452 $ 20,196 Charge-offs (12 ) (29 ) (1,603 ) (91 ) (1,735 ) Recoveries 98 — 549 — 647 Provision 82 215 1,580 202 2,079 December 31, 2019 $ 1,386 $ 5,830 $ 9,408 $ 4,563 $ 21,187 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 December 31, 2019 Allowance for loan losses - Loans Individually Evaluated for Impairment $ 5 $ — $ — $ 42 $ 47 Allowance for loan losses - Loans Collectively Evaluated for Impairment 1,381 5,830 9,408 4,521 21,140 Ending Loan Balance - Individually Evaluated for Impairment 35 — 107 959 1,101 Ending Loan Balance - Collectively Evaluated for Impairment 150,625 510,541 811,091 912,762 2,385,019 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 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. 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, the Company's independent internal loan review department performs periodic reviews of the credit quality indicators on individual loans in the commercial loan portfolio. The Company uses a two-step process to determine the provision for loan losses and the amount of the allowance for loan losses. An evaluation of impaired loans is performed on a quarterly basis. Impaired loans are generally nonaccrual loans over $250 thousand and all troubled debt restructured loans. Arrow's impaired loans are generally considered to be collateral dependent with the charge-off, 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, a total loss factor is estimated based on the historical net loss rates adjusted for applicable qualitative factors. The total loss factors assigned to each loan category are updated on a quarterly basis. For the commercial, commercial construction, and commercial real estate categories, the loan categories are further segregated 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. Arrow determines 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, Arrow also considers and adjusts historical net loss factors for qualitative factors that impact the inherent risk of loss associated with the loan categories within the 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 Loan Credit Quality Indicators The following table presents the credit quality indicators by loan category at December 31, 2019 and December 31, 2018 : Loan Credit Quality Indicators Commercial Commercial Real Estate Consumer Residential Total December 31, 2019 Credit Risk Profile by Creditworthiness Category: Satisfactory $ 144,283 $ 484,267 $ 628,550 Special Mention 32 263 295 Substandard 6,345 26,011 32,356 Doubtful — — — Credit Risk Profile Based on Payment Activity: Performing $ 810,535 $ 910,533 1,721,068 Nonperforming 663 3,188 3,851 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 For the purposes of the table above, nonperforming consumer and residential loans are those loans on nonaccrual status or are 90 days or more past due and still accruing interest. For the allowance calculation, 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, 2019 Recorded Investment: With No Related Allowance $ — $ — $ 108 $ 699 $ 807 With a Related Allowance 34 — — 260 294 Unpaid Principal Balance: With No Related Allowance $ — $ — $ 107 $ 699 $ 806 With a Related Allowance 35 — — 260 295 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 For the Year-To-Date Period Ended: December 31, 2019 Average Recorded Balance: With No Related Allowance $ 215 $ 397 $ 105 $ 1,152 $ 1,869 With a Related Allowance 17 — — 277 294 Interest Income Recognized: With No Related Allowance $ — $ — $ 1 $ 8 $ 9 With a Related Allowance — — — — — Cash Basis Income: With No Related Allowance $ — $ — $ — $ — $ — With a Related Allowance — — — — — 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 — — — — — At December 31, 2019 and December 31, 2018 , 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, 2019 Number of Loans — — 6 — 6 Pre-Modification Outstanding Recorded Investment $ — $ — $ 68 $ — $ 68 Post-Modification Outstanding Recorded Investment — — 68 — 68 Subsequent Default, Number of Contracts — — — — — Subsequent Default, Recorded Investment — — — — — Commitments to lend additional funds to modified loans — — — — — 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 — — — — — 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, 2019 or December 31, 2018 .

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
Premises and Equipment	PREMISES AND EQUIPMENT (Dollars In Thousands) A summary of premises and equipment at December 31, 2019 and 2018 is presented below: 2019 2018 Land and Bank Premises $ 39,342 $ 35,010 Equipment, Furniture and Fixtures 30,529 30,192 Leasehold Improvements 3,758 1,921 Total Cost 73,629 67,123 Accumulated Depreciation and Amortization (38,171 ) (36,677 ) Net Owned Premises and Equipment 35,458 30,446 Leased Assets (see Note 18) 5,171 — Net Premises and Equipment $ 40,629 $ 30,446 Amounts charged to expense for depreciation totaled $ 2,211 , $ 1,891 and $ 1,921 in 2019 , 2018 and 2017 , respectively.

Other Intangible Assets

Other Intangible Assets	12 Months Ended
	Dec. 31, 2019
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, 2019 , 2018 and 2017 : Depositor Intangibles 1 Mortgage Servicing Rights 2 Customer Intangibles 1 Total Gross Carrying Amount, December 31, 2019 $ 2,247 $ 2,229 $ 4,382 $ 8,858 Accumulated Amortization (2,247 ) (1,913 ) (3,037 ) (7,197 ) Net Carrying Amount, December 31, 2019 $ — $ 316 $ 1,345 $ 1,661 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 Rollforward of Intangible Assets: 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 Intangible Assets Acquired — 168 — 168 Intangible Assets Disposed — — — — Amortization of Intangible Assets — (114 ) (245 ) (359 ) Balance, December 31, 2019 $ — $ 316 $ 1,345 $ 1,661 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, 2019 : Mortgage Servicing Rights Customer Intangibles Total Estimated Annual Amortization Expense: 2020 $ 99 $ 228 $ 327 2021 78 211 289 2022 57 193 250 2023 37 176 213 2024 27 155 182 2025 and beyond 18 382 400 Total $ 316 $ 1,345 $ 1,661

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	COMMITMENTS AND CONTINGENCIES (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, 2019 and 2018 : Balance at December 31, 2019 2018 Notional Amount: Commitments to Extend Credit $ 349,718 $ 321,143 Standby Letters of Credit 3,129 4,466 Fair Value: Commitments to Extend Credit $ — $ — Standby Letters of Credit 31 12 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, 2019 and 2018 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, 2019 and 2018 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. In the third quarter of 2019, Arrow entered into interest rate swap agreements with certain of its commercial customers to provide them with a long-term fixed rate, while simultaneously Arrow entered into offsetting interest rate swap agreements with a counterparty or counterparties to swap the fixed rate to a variable rate to manage interest rate exposure. The Company's interest rate swap agreements are not designated as a hedge for accounting purposes. As the interest rate swap agreements have substantially equivalent and offsetting terms, they do not present any material exposure to the Company's consolidated statements of income. The Company records its interest rate swap agreements at fair value and is presented on a gross basis within other assets and other liabilities on the consolidated balance sheets. Changes in the fair value of assets and liabilities arising from these derivatives are included, net, in other income in the consolidated statement of income. The following table depicts the fair value adjustment recorded related to the notional amount of derivatives outstanding as well as the notional amount of the interest rate swap agreements. Derivatives Not Designated as Hedging Instruments - Interest Rate Swap Agreements December 31, 2019 December 31, 2018 Fair value adjustment included in other assets $ 69 $ — Fair value adjustment included in other liabilities 69 — Notional amount 44,531 —

Time Deposits

Time Deposits	12 Months Ended
	Dec. 31, 2019
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, 2019 : Year of Maturity Total Time Deposits 2020 $ 314,068 2021 44,620 2022 11,975 2023 5,040 2024 6,253 2025 and beyond 13,365 Total $ 395,321

Debt

Debt	12 Months Ended
	Dec. 31, 2019
Debt Disclosure [Abstract]
Debt	DEBT (Dollars in Thousands) Schedule of Short-Term Borrowings: 2019 2018 Balances at December 31: Overnight Advances from the Federal Home Loan Bank of New York $ 130,000 $ 234,000 Securities Sold Under Agreements to Repurchase 51,099 54,659 Total Short-Term Borrowings $ 181,099 $ 288,659 Maximum Borrowing Capacity at December 31: Federal Funds Purchased $ 67,000 $ 57,000 Federal Home Loan Bank of New York 731,240 550,750 Federal Reserve Bank of New York 583,369 489,809 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, 2019 and 2018 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, 2019 , 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 $62.4 million and $65.5 million were pledged as collateral for the securities sold under agreements to repurchase at December 31, 2019 and 2018 , respectively, and are presented in the table below: 2019 2018 Balances at December 31: U.S. Government & Agency Obligations $ — $ 22,314 Mortgage-Backed Securities 62,372 43,155 Total Pledged Collateral for Repo Accounts $ 62,372 $ 65,469 Arrow's subsidiary banks have in place unsecured federal funds lines of credit with three correspondent banks. As a member of the FHLBNY, Arrow participates 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 "). The investment in FHLBNY stock is proportional to the total of Arrow's 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 the Consolidated Financial Statements). Arrow's 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 the 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 2019 2018 2019 2018 First Year $ 25,000 $ 20,000 2.02 % 1.70 % Second Year — 25,000 — % 2.02 % Third Year 5,000 — 1.81 % — % Fourth Year — — — % — % Fifth Year — — — % — % Total $ 30,000 $ 45,000 1.98 % 1.88 % Long Term Debt - Guaranteed Preferred Beneficial Interests in Corporation's Junior Subordinated Debentures During 2019 , 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, 2019 , 2018 and 2017 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 2019 2018 ACST II Balance at December 31, $ 10,000 $ 10,000 Period-End Interest Rate 5.25 % 5.55 % ACST III Balance at December 31, $ 10,000 $ 10,000 Period-End Interest Rate 4.10 % 4.40 %

Comprehensive Income (Loss), Ne

Comprehensive Income (Loss), Net of Tax	12 Months Ended
	Dec. 31, 2019
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Comprehensive Income (Loss), Net of Tax	COMPREHENSIVE INCOME (LOSS), NET OF TAX (Dollars In Thousands) The following table presents the components of other comprehensive income (loss) for the years ended December 31, 2019 , 2018 and 2017 : Schedule of Comprehensive Income (Loss) Before-Tax Amount Tax Expense (Benefit) Net-of-Tax Amount 2019 Net Unrealized Securities Holding Gains Arising During the Period $ 5,580 $ (1,418 ) $ 4,162 Net Retirement Plan Gains 3,505 (891 ) 2,614 Amortization of Net Retirement Plan Actuarial Loss 684 (174 ) 510 Accretion of Net Retirement Plan Prior Service Credit 224 (57 ) 167 Other Comprehensive Income $ 9,993 $ (2,540 ) $ 7,453 2018 Net Unrealized Securities Holding Losses Arising During the Period $ (2,839 ) $ 723 $ (2,116 ) Net Retirement Plan Losses (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 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 Gains Included in Net Income 448 (111 ) 337 Net Retirement Plan Losses 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 Loss $ (370 ) $ 335 $ (35 ) 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, 2018 $ (3,697 ) $ (8,971 ) $ (1,142 ) $ (13,810 ) Other comprehensive income before reclassifications 4,162 2,614 — 6,776 Amounts reclassified from accumulated other comprehensive income 510 167 677 Net current-period other comprehensive income 4,162 3,124 167 7,453 December 31, 2019 $ 465 $ (5,847 ) $ (975 ) $ (6,357 ) 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 (loss) (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 ) (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, 2019 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 $ (224 ) (2) Salaries and Employee Benefits Actuarial gains/(losses) (684 ) (2) Salaries and Employee Benefits (908 ) Total before tax 231 Provision for Income Taxes $ (677 ) Net of tax Total reclassifications for the period $ (677 ) Net of tax 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 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, 2017 Unrealized gains and losses on available-for-sale securities $ (448 ) Gain 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 (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, 2019
Share-based Payment Arrangement [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, 2019 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 225,485 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, 2019 . Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at January 1, 2019 293,058 $ 24.92 Granted 53,560 $ 30.79 Exercised (86,508 ) $ 20.69 Forfeited (18,868 ) $ 25.83 Outstanding at December 31, 2019 241,242 $ 27.58 6.50 $ 2,465 Vested at Period-End 126,081 $ 24.71 4.96 $ 1,649 Expected to Vest 115,161 $ 30.72 8.19 $ 816 The following is the Schedule of Stock Options Granted Under the Long Term Incentive Plan by Exercise Price Range. Exercise Price Ranges $19.01 $20.29 to $20.87 $21.35 $22.51 to $22.97 $30.79 to $30.91 $34.05 Total Outstanding at December 31, 2019 Number of Stock Options Outstanding 1,872 27,325 20,338 52,385 98,614 40,708 241,242 Weighted-Average Remaining Contractual Life (in years) 0.08 1.92 4.08 5.66 8.61 7.07 6.50 Weighted-Average Exercise Price $ 19.01 $ 20.57 $ 21.35 $ 22.78 $ 30.85 $ 34.05 $ 27.58 Vested at December 31, 2019 Number of Stock Options Outstanding 1,872 27,325 20,338 42,672 12,570 21,304 126,081 Weighted-Average Remaining Contractual Life (in years) 0.08 1.92 4.08 5.56 8.09 7.07 4.96 Weighted-Average Exercise Price $ 19.01 $ 20.57 $ 21.35 $ 22.73 $ 30.91 $ 34.05 $ 24.71 The following is the Schedule of Other Information on Stock Options Granted. 2019 2018 2017 Stock Options Granted 53,560 55,070 59,009 Weighted Average Grant Date Information: Fair Value of Options Granted $ 5.58 $ 5.43 $ 5.89 Fair Value Assumptions: Dividend Yield 3.26 % 2.98 % 2.72 % Expected Volatility 22.58 % 21.55 % 21.40 % Risk Free Interest Rate 2.63 % 2.68 % 2.25 % Expected Lives (in years) 8.68 6.98 6.88 Amount Expensed During the Year $ 316 $ 322 $ 351 Compensation Costs for Non-vested Awards Not Yet Recognized 487 504 528 Weighted Average Expected Vesting Period, In Years 2.07 2.74 2.59 Proceeds From Stock Options Exercised $ 1,792 $ 2,255 $ 1,190 Tax Benefits Related to Stock Options Exercised 227 240 168 Intrinsic Value of Stock Options Exercised 1,073 1,552 825 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 and are no longer forfeitable. 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, 2019 . The Company started granting restricted stock units in 2018. Restricted Stock Units Weighted Average Grant Date Fair Value Non-vested at January 1, 2019 3,478 $ 31.62 Granted 4,018 $ 30.79 Vested — $ — Canceled — $ — Non-vested at December 31, 2019 7,496 $ 31.18 Non-vested at January 1, 2018 — $ — Granted 3,478 $ 31.62 Vested — $ — Canceled — $ — Non-vested at December 31, 2018 3,478 $ 31.62 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, 2019 . 2019 2018 Amount Expensed During the Year $ 75 $ 34 Compensation Costs for Non-vested Awards Not Yet Recognized 126 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 was repaid, shares were released from collateral based on the proportion of debt paid to total debt outstanding for the year and allocated to active employees. At December 31, 2019, there was no outstanding balance remaining on the loans and therefore no remaining unallocated shares. In addition, the Company makes additional cash contributions to the Plan each year. Schedule of ESOP Compensation Expense 2019 2018 2017 ESOP Compensation Expense $ 1,368 $ 1,400 $ 1,400 Prior to December 31, 2019, shares pledged as collateral were reported as unallocated ESOP shares in stockholders’ equity. As shares were released from collateral, Arrow reported compensation expense equal to the current average market price of the shares, and the shares become outstanding for earnings per share computations. During the year ended December 31, 2019, all remaining unallocated shares were released. The ESOP shares as of December 31, 2019 were as follows: Schedule of Shares in ESOP Plan ESOP Plan Shares: 2019 Allocated Shares 759,321 Shares Released for Allocation During 2019 5,151 Unallocated Shares — Total ESOP Shares 764,472

Retirement Benefit Plans

Retirement Benefit Plans	12 Months Ended
	Dec. 31, 2019
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 with a minimum interest credit of 3.0% . 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, 2019, Arrow updated its mortality assumption to the Pri-2012 mortality tables for employees, healthy annuitants and contingent survivors, adjusted for mortality improvements with the Scale MP-2019 mortality improvement scale on a generational basis to reflect newly published mortality tables. The Pension Plan uses the sex-distinct amount-weighted tables, the Select Executive Retirement Plan uses the sex-distinct white collar amount-weighted tables, and the Postretirement Benefit Plan uses the sex-distinct headcount-weighted tables. The change in mortality tables resulted in a decrease in liabilities for the Employee's Pension Plan, the Select Executive Retirement Plan and the Postretirement Benefit Plan. The mortality table used in determining the present value of a lump sum payment/annuitizing cash balance accounts was changed to the applicable mortality table for the determination of present values under IRC Section 417(e)(3)(B). This table is currently a 50/50 blend of male and female rates from the 2020 sex distinct optional combined mortality tables, as prescribed under IRC Section 430. The change in mortality table was made to reflect the continued improvement in mortality rates and resulted in an increase in liabilities for the Employee's Pension Plan and the Select Executive Retirement Plan. 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 for the January 1, 2020 plan year ( 2.04% , 3.09% , 3.68% ) as of December 31, 2019. This change resulted in a decrease 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, 2019 Fair Value of Plan Assets $ 57,051 $ — $ — Benefit Obligation 42,322 5,194 8,652 Funded Status of Plan $ 14,729 $ (5,194 ) $ (8,652 ) 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 ) Change in Benefit Obligation Benefit Obligation, at January 1, 2019 $ 38,069 $ 4,710 $ 7,706 Service Cost 1 1,527 324 121 Interest Cost 2 1,765 217 364 Plan Participants' Contributions — — 485 Actuarial Loss 2,960 409 670 Benefits Paid (1,999 ) (466 ) (694 ) Benefit Obligation, at December 31, 2019 $ 42,322 $ 5,194 $ 8,652 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 (795 ) (17 ) (664 ) Benefits Paid (3,212 ) (465 ) (695 ) Benefit Obligation, at December 31, 2018 $ 38,069 $ 4,710 $ 7,706 Change in Fair Value of Plan Assets Fair Value of Plan Assets, at January 1, 2019 $ 48,445 $ — $ — Actual Return on Plan Assets 10,605 — — Employer Contributions — 466 209 Plan Participants' Contributions — — 485 Benefits Paid (1,999 ) (466 ) (694 ) Fair Value of Plan Assets, at December 31, 2019 $ 57,051 $ — $ — 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, 2018 $ 48,445 $ — $ — Accumulated Benefit Obligation at December 31, 2019 $ 42,041 $ 5,125 $ 8,652 Amounts Recognized in the Consolidated Balance Sheets December 31, 2019 Prepaid Pension Asset $ 14,729 $ — — Accrued Benefit Liability — (5,194 ) (8,652 ) Net Benefit Recognized $ 14,729 $ (5,194 ) $ (8,652 ) December 31, 2018 Prepaid Pension Asset $ 10,376 $ — — Accrued Benefit Liability — (4,710 ) (7,706 ) Net Benefit Recognized $ 10,376 $ (4,710 ) $ (7,706 ) Schedule of Defined Benefit Plan Disclosures Employees' Pension Plan Select Executive Retirement Plan Postretirement Benefit Plans Amounts Recognized in Other Comprehensive Income (Loss) For the Year Ended December 31, 2019 Net Unamortized (Gain) Loss Arising During the Period $ (4,584 ) $ 409 $ 670 Amortization of Net (Loss) Gain (613 ) (113 ) 42 Amortization of Prior Service Cost (69 ) (54 ) (101 ) Total Other Comprehensive (Loss) Income for Pension and $ (5,266 ) $ 242 $ 611 For the Year Ended December 31, 2018 Net Unamortized (Gains) Loss Arising During the Period $ 4,480 $ (17 ) $ (665 ) Net Prior Service Cost Arising During the Period — — 453 Amortization of Net Gains (194 ) (131 ) — Amortization of Prior Service Credit (Cost) 49 (57 ) (100 ) Total Other Comprehensive Income (Loss) for Pension and Other Postretirement Benefit Plans $ 4,335 $ (205 ) $ (312 ) For the Year Ended December 31, 2017 Net Unamortized 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 (Cost) Credit 57 (57 ) 11 Total Other Comprehensive (Loss) Income for Pension and Other Postretirement Benefit Plans $ (766 ) $ 58 $ 21 Accumulated Other Comprehensive Income December 31, 2019 Net Actuarial Loss (Gains) $ 5,745 $ 2,275 $ (181 ) Prior Service Cost 244 378 685 Total Accumulated Other Comprehensive Income, Before Tax $ 5,989 $ 2,653 $ 504 December 31, 2018 Net Actuarial Loss (Gains) $ 10,942 $ 1,979 $ (893 ) Prior Service Cost 313 432 786 Total Accumulated Other Comprehensive Income, Before Tax $ 11,255 $ 2,411 $ (107 ) Amounts that will be Amortized from Accumulated Other Comprehensive Income the Next Year Net Actuarial Loss $ 4 $ 132 $ 7 Prior Service Cost $ 63 $ 42 $ 106 Net Periodic Benefit Cost For the Year Ended December 31, 2019 Service Cost 1 $ 1,527 $ 324 $ 121 Interest Cost 2 1,765 217 364 Expected Return on Plan Assets 2 (3,060 ) — — Amortization of Prior Service Cost 2 69 54 101 Amortization of Net Loss 2 613 113 (42 ) Net Periodic Benefit Cost $ 914 $ 708 $ 544 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 (Credit) Cost $ (62 ) $ 794 $ 569 Schedule of Defined Benefit Plan Disclosures Employees' Pension Plan Select Executive Retirement Plan Postretirement Benefit Plans 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 (Gain) 2 306 129 (24 ) Net Periodic Benefit Cost $ 182 $ 440 $ 434 Weighted-Average Assumptions Used in Calculating Benefit Obligation December 31, 2019 Discount Rate 3.72 % 3.75 % 3.76 % Rate of Compensation Increase 3.50 % 3.50 % 3.50 % Interest Rate Credit for Determining Projected Cash Balance Account 3.00 % 3.00 % 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 3.36 % 3.36 % Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost December 31, 2019 Discount Rate 4.81 % 4.80 % 4.81 % 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 % 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 3.00 % 3.00 % 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 % 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, 2019 Cash $ — $ — $ — $ — — % — % 15.0 % Interest-Bearing Money Market Fund 2,742 — — 2,742 4.8 % — % 15.0 % Arrow Common Stock 1 6,542 — — 6,542 11.5 % — % 10.0 % North Country Funds - Equity 2 21,209 — — 21,209 37.2 % Other Mutual Funds - Equity 15,868 — — 15,868 27.8 % Total Equity Funds 37,077 — — 37,077 65.0 % 55.0 % 85.0 % North Country Funds - Fixed income 2 8,692 — — 8,692 15.2 % Other Mutual Funds - Fixed Income 793 — — 793 1.4 % Total Fixed Income Funds 9,485 — — 9,485 16.6 % 10.0 % 30.0 % Alternative ETF 1,205 — — 1,205 2.1 % — % 20.0 % Total $ 57,051 $ — $ — $ 57,051 100.0 % 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 % Footnotes: 1 Payment for the 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' Select Postretirement Expected Future Benefit Payments 2020 $ 2,975 $ 444 $ 638 2021 2,527 427 673 2022 2,808 409 655 2023 3,048 389 629 2024 2,922 555 643 2025 - 2029 14,571 2,482 3,271 Estimated Contributions During 2020 $ — $ 444 $ 638 Assumed Health Care Cost Trend Rates December 31, 2019 Health Care Cost Trend Rate Assumed for Next Year 6.75 % 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, 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 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 $ 43 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 550 Effect of a One Percentage Point Decrease on Accumulated Postretirement Benefit Obligation (477 ) 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 2019 . 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, 2019
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: 2019 2018 2017 Legal and Other Professional Fees $ 2,469 $ 2,460 $ 2,194 Postage and Courier 1,051 982 947 Advertising and Promotion 1,236 1,083 1,035 Stationery and Printing 834 782 841 Intangible Asset Amortization 245 262 279 All Other 4,595 3,507 3,456 Total Other Operating Expense $ 10,430 $ 9,076 $ 8,752

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Income Taxes	INCOME TAXES (Dollars In Thousands) The provision for income taxes is summarized below: Current Tax Expense: 2019 2018 2017 Federal $ 7,706 $ 7,668 $ 11,142 State 1,550 1,450 917 Total Current Tax Expense 9,256 9,118 12,059 Deferred Tax Expense (Benefit): Federal 427 (40 ) (1,453 ) State (83 ) (52 ) (77 ) Total Deferred Tax Expense (Benefit) 344 (92 ) (1,530 ) Total Provision for Income Taxes $ 9,600 $ 9,026 $ 10,529 The provisions for income taxes differed from the amounts computed by applying the U.S. Federal Income Tax Rate, 21% for 2019 and 2018 and 35% for 2017 , to pre-tax income as a result of the following: 2019 2018 2017 Statutory Federal Tax Rate 21.0 % 21.0 % 35.0 % Increase (Decrease) Resulting From: Tax Cuts and Jobs Act impact on deferred remeasurement — — (2.8 ) Tax-Exempt Income (2.7 ) (3.1 ) (6.4 ) Nondeductible Interest Expense 0.2 0.1 0.1 State Taxes, Net of Federal Income Tax Benefit 2.3 2.4 1.8 Tax benefit from stock based compensation (0.3 ) (0.4 ) (0.3 ) Other Items, Net (0.1 ) (0.1 ) (1.0 ) Effective Tax Rate 20.4 % 19.9 % 26.4 % The Tax Act reduced the U.S. statutory tax rate from 35% to 21%, among other changes. The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2019 and 2018 are presented below: 2019 2018 Deferred Tax Assets: Allowance for Loan Losses $ 5,383 $ 5,131 Lease liabilities 2,787 — Pension and Deferred Compensation Plans 2,923 2,764 Pension Liability Included in Accumulated Other Comprehensive Income 2,329 3,450 Other 352 342 Net Unrealized Losses on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income — 1,259 Total Gross Deferred Tax Assets 13,774 12,946 Valuation Allowance for Deferred Tax Assets — — Total Gross Deferred Tax Assets, Net of Valuation Allowance $ 13,774 $ 12,946 Deferred Tax Liabilities: Pension Plans $ 5,270 $ 5,502 Depreciation 1,943 1,149 ROU assets 2,748 — Deferred Income 3,215 3,003 Net Unrealized Gains on Equity Securities 240 166 Net Unrealized Gains on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income 160 — Goodwill 3,502 3,546 Total Gross Deferred Tax Liabilities $ 17,078 $ 13,366 Deferred Tax Liability, Net $ 3,304 $ 420 Management believes that the realization of the recognized gross deferred tax assets at December 31, 2019 and 2018 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 2016 through 2019 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, 2019 .

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2019
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, 2019 . All share and per share amounts have been adjusted for the September 27, 2019 3 % stock dividend. Earnings Per Share Year-to-Date Period Ended: 12/31/2019 12/31/2018 12/31/2017 Earnings Per Share - Basic: Net Income $ 37,475 $ 36,279 $ 29,326 Weighted Average Shares - Basic 14,940 14,840 14,739 Earnings Per Share - Basic $ 2.51 $ 2.44 $ 1.99 Earnings Per Share - Diluted: Net Income $ 37,475 $ 36,279 $ 29,326 Weighted Average Shares - Basic 14,940 14,840 14,739 Dilutive Average Shares Attributable to Stock Options 43 82 99 Weighted Average Shares - Diluted 14,983 14,922 14,838 Earnings Per Share - Diluted $ 2.50 $ 2.43 $ 1.98

Fair Values

Fair Values	12 Months Ended
	Dec. 31, 2019
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. There are no 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, 2019 and 2018 were securities available-for-sale, equity securities and derivatives. 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) December 31, 2019 Assets: Securities Available-for Sale: U.S. Government & Agency Obligations $ 5,054 $ — $ 5,054 $ — State and Municipal Obligations 764 — 764 — Mortgage-Backed Securities 350,716 — 350,716 — Corporate and Other Debt Securities 800 — 800 — Total Securities Available-for-Sale 357,334 — 357,334 $ — Equity Securities 2,063 — 2,063 — Total Securities Measured on a Recurring Basis 359,397 — 359,397 — Derivatives, included in other assets 69 — 69 — Total Measured on a Recurring Basis $ 359,466 $ — $ 359,466 $ — Liabilities: Derivatives, included in other liabilities $ 69 $ — $ 69 $ — Total Measured on a Recurring Basis $ 69 $ — $ 69 $ — December 31, 2018 Assets: 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 $ — Fair Value of Assets and Liabilities Measured on a Nonrecurring Basis: Fair Value Quoted Prices In Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Gains (Losses) Recognized in Earnings December 31, 2019 Collateral Dependent Impaired Loans $ 285 $ — $ — $ 285 $ — Other Real Estate Owned and Repossessed Assets, Net 1,261 — — 1,261 (186 ) December 31, 2018 Collateral Dependent Impaired Loans $ — $ — $ — $ — $ — Other Real Estate Owned and Repossessed Assets, Net 1,260 — — 1,260 (132 ) The fair value of financial instruments is determined 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). There were no transfers between Levels 1, 2 and 3 for the years ended December 31, 2019 or 2018 . 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. The fair value of Level 2 derivatives is determined using inputs that are observable in the market place obtained from third parties including yield curves, publicly available volatilities, and floating indexes. 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, 2019 and 2018 . 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 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 each loan type. 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. 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 as calculated by the FHLBNY. 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, 2019 Cash and Cash Equivalents $ 70,221 $ 70,221 $ 70,221 $ — $ — Securities Available-for-Sale 357,334 357,334 — 357,334 — Securities Held-to-Maturity 245,065 249,618 — 249,618 — Equity Securities 2,063 2,063 2,063 Federal Home Loan Bank and Federal Reserve Bank Stock 10,317 10,317 — 10,317 — Net Loans 2,364,933 2,332,797 — — 2,332,797 Accrued Interest Receivable 7,377 7,377 — 7,377 — Derivatives, included in other assets 69 69 — 69 — Deposits 2,616,054 2,614,170 — 2,614,170 — Federal Funds Purchased and Securities Sold Under Agreements to Repurchase 51,099 51,099 — 51,099 — Federal Home Loan Bank Overnight Advances 130,000 130,000 — 130,000 — Federal Home Loan Bank Term Advances 30,000 29,993 — 29,993 — Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts 20,000 20,000 — 20,000 — Accrued Interest Payable 1,436 1,436 — 1,436 — Derivatives, included in other liabilities 69 69 — 69 — 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 Federal Home Loan Bank 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 — Federal Home Loan Bank 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 —

Leases

Leases	12 Months Ended
	Dec. 31, 2019
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Leases	LEASES (Dollars In Thousands) The Company is a lessee in its leases, which are mainly for financial services locations in addition to leases for corporate vehicles. These leases generally require the Company to pay third-party expenses on behalf of the Lessor, which are referred to as variable payments. Under some leases, the Company pays the variable payments to the lessor, and in other leases, the Company pays the variable payments directly to the applicable third party. None of the Company's current leases include any residual value guarantees or any subleases, and there are no significant rights or obligations of the Company for leases that have not commenced as of the reporting date. 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 as a director on the board of directors of each of Arrow and Saratoga National Bank and Trust Company. Additional information regarding this relationship can be found in Arrow's Proxy Statement for its Annual Meeting of Shareholders to be held May 6, 2020 under the caption "Corporate Governance - Related Party Transactions." The following includes quantitative data related to the Company's leases as of and for the twelve months ended December 31, 2019 : Finance Lease Amounts: Classification Right-of-use Assets Premises and Equipment, Net $ 5,171 Lease Liabilities Finance Leases 5,254 Operating Lease Amounts: Right-of-use Assets Other Assets $ 5,644 Lease Liabilities Other Liabilities 5,713 Other Information: Cash Paid For Amounts Included In The Measurement Of Lease Liabilities: Operating Outgoing Cash Flows From Finance Leases $ 99 Operating Outgoing Cash Flows From Operating Leases 779 Financing Outgoing Cash Flows From Finance Leases 28 Right-of-use Assets Obtained In Exchange For New Finance Lease Liabilities 5,271 Right-of-use Assets Obtained In Exchange For New Operating Lease Liabilities 6,266 Weighted-average Remaining Lease Term—Finance Leases (Yrs.) 30.80 Weighted-average Remaining Lease Term—Operating Leases (Yrs.) 13.71 Weighted-average Discount Rate—Finance Leases % 3.75 % Weighted-average Discount Rate—Operating Leases % 3.35 % Lease cost information for the Company's leases is as follows: Twelve Months Ended 12/31/2019 Lease Cost: Finance Lease Cost: Reduction in the Carrying Amount of Right-of-use assets $ 100 Interest on Lease Liabilities 99 Operating Lease Cost 795 Short-term Lease Cost 85 Variable Lease Cost 205 Total Lease Cost $ 1,284 Future Lease Payments at December 31, 2019 are as follows: Operating Leases Finance Leases Twelve Months Ended: 12/31/2020 $ 788 $ 230 12/31/2021 671 238 12/31/2022 578 169 12/31/2023 542 243 12/31/2024 521 249 Thereafter 4,113 8,271 Total Undiscounted Cash Flows 7,213 9,400 Less: Net Present Value Adjustment 1,500 4,146 Lease Liability $ 5,713 $ 5,254 Arrow adopted ASU 2016-02 using a modified retrospective adoption at January 1, 2019 as discussed in Note 1. The following disclosure is provided for the period prior to the adoption. 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
Leases	LEASES (Dollars In Thousands) The Company is a lessee in its leases, which are mainly for financial services locations in addition to leases for corporate vehicles. These leases generally require the Company to pay third-party expenses on behalf of the Lessor, which are referred to as variable payments. Under some leases, the Company pays the variable payments to the lessor, and in other leases, the Company pays the variable payments directly to the applicable third party. None of the Company's current leases include any residual value guarantees or any subleases, and there are no significant rights or obligations of the Company for leases that have not commenced as of the reporting date. 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 as a director on the board of directors of each of Arrow and Saratoga National Bank and Trust Company. Additional information regarding this relationship can be found in Arrow's Proxy Statement for its Annual Meeting of Shareholders to be held May 6, 2020 under the caption "Corporate Governance - Related Party Transactions." The following includes quantitative data related to the Company's leases as of and for the twelve months ended December 31, 2019 : Finance Lease Amounts: Classification Right-of-use Assets Premises and Equipment, Net $ 5,171 Lease Liabilities Finance Leases 5,254 Operating Lease Amounts: Right-of-use Assets Other Assets $ 5,644 Lease Liabilities Other Liabilities 5,713 Other Information: Cash Paid For Amounts Included In The Measurement Of Lease Liabilities: Operating Outgoing Cash Flows From Finance Leases $ 99 Operating Outgoing Cash Flows From Operating Leases 779 Financing Outgoing Cash Flows From Finance Leases 28 Right-of-use Assets Obtained In Exchange For New Finance Lease Liabilities 5,271 Right-of-use Assets Obtained In Exchange For New Operating Lease Liabilities 6,266 Weighted-average Remaining Lease Term—Finance Leases (Yrs.) 30.80 Weighted-average Remaining Lease Term—Operating Leases (Yrs.) 13.71 Weighted-average Discount Rate—Finance Leases % 3.75 % Weighted-average Discount Rate—Operating Leases % 3.35 % Lease cost information for the Company's leases is as follows: Twelve Months Ended 12/31/2019 Lease Cost: Finance Lease Cost: Reduction in the Carrying Amount of Right-of-use assets $ 100 Interest on Lease Liabilities 99 Operating Lease Cost 795 Short-term Lease Cost 85 Variable Lease Cost 205 Total Lease Cost $ 1,284 Future Lease Payments at December 31, 2019 are as follows: Operating Leases Finance Leases Twelve Months Ended: 12/31/2020 $ 788 $ 230 12/31/2021 671 238 12/31/2022 578 169 12/31/2023 542 243 12/31/2024 521 249 Thereafter 4,113 8,271 Total Undiscounted Cash Flows 7,213 9,400 Less: Net Present Value Adjustment 1,500 4,146 Lease Liability $ 5,713 $ 5,254 Arrow adopted ASU 2016-02 using a modified retrospective adoption at January 1, 2019 as discussed in Note 1. The following disclosure is provided for the period prior to the adoption. 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

Regulatory Matters	12 Months Ended
	Dec. 31, 2019
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, 2019 , the maximum amount that could have been paid by subsidiary banks to Arrow, without prior regulatory approval, was approximately $64.6 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, 2019 and 2018 , 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 satisfied the risk-based and leverage capital requirements, and 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. The federal bank regulators have issued a final rule to implement the CBLR, introducing an optional simplified measure of capital adequacy for qualifying community banks that satisfy certain requirements, including having a tier 1 leverage ratio of greater than 9%, less than $10 billion in total consolidated assets, and limited amounts of off-balance-sheet exposures and trading assets and liabilities. A qualifying community bank that opts into the CBLR framework and meets all requirements under the CBLR framework will be considered to have met the well-capitalized ratio requirements under the “prompt corrective action” regulations and will not be required to report or calculate risk-based capital. The CBLR is calculated as the ratio of “tier 1 capital” divided by “average total consolidated assets.” Based on preliminary estimates, the Company’s CBLR computed in compliance with this new standard is expected to exceed the 9% threshold. This final rule became effective January 1, 2020, and qualifying community banking organizations can utilize the CBLR framework for purposes of filing their call reports or Form FR Y-9C, as applicable, for the first quarter of 2020 (i.e., as of March 31, 2020). Until the final rules become effective and Arrow opts into the CBLR framework, the Capital Rules promulgated under Dodd-Frank will remain applicable to Arrow. As of December 31, 2019 , 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, 2019 and 2018 : 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, 2019 Total Capital (to Risk Weighted Assets): Arrow $ 330,657 14.8 % $ 234,588 10.5 % $ 223,417 10.0 % Glens Falls National 254,438 14.5 % 184,248 10.5 % 175,474 10.0 % Saratoga National 65,295 13.6 % 50,412 10.5 % 48,011 10.0 % Tier I Capital (to Risk Weighted Assets): Arrow 309,469 13.8 % 190,615 8.5 % 179,402 8.0 % Glens Falls National 237,546 13.5 % 149,566 8.5 % 140,768 8.0 % Saratoga National 60,999 12.7 % 40,826 8.5 % 38,425 8.0 % Tier I Capital (to Average Assets): Arrow 309,469 10.0 % 123,788 4.0 % 154,735 5.0 % Glens Falls National 237,546 9.5 % 100,019 4.0 % 125,024 5.0 % Saratoga National 60,999 9.6 % 25,416 4.0 % 31,770 5.0 % Common Equity Tier 1 Capital (to Risk Weighted Assets): Arrow 289,409 12.9 % 157,044 7.0 % 145,826 6.5 % Glens Falls National 237,486 13.5 % 123,141 7.0 % 114,345 6.5 % Saratoga National 60,999 12.7 % 33,621 7.0 % 31,220 6.5 % 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 %

Parent Only Financial Informati

Parent Only Financial Information	12 Months Ended
	Dec. 31, 2019
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 2019 2018 Interest-Bearing Deposits with Subsidiary Banks $ 1,429 $ 2,298 Equity Securities 2,063 1,774 Investment in Subsidiaries at Equity 312,018 280,408 Other Assets 9,365 8,626 Total Assets $ 324,875 $ 293,106 LIABILITIES Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts $ 20,000 $ 20,000 Other Liabilities 3,147 3,522 Total Liabilities 23,147 23,522 STOCKHOLDERS’ EQUITY Total Stockholders’ Equity 301,728 269,584 Total Liabilities and Stockholders’ Equity $ 324,875 $ 293,106 STATEMENTS OF INCOME Years Ended December 31, Income: 2019 2018 2017 Dividends from Bank Subsidiaries $ 14,100 $ 13,300 $ 12,800 Interest and Dividends on Investments 49 48 53 Other Income (Including Management Fees) 1,006 907 677 Total Income 15,155 14,255 13,530 Expense: Interest Expense 1,024 976 781 Other Expense 875 1,175 958 Total Expense 1,899 2,151 1,739 Income Before Income Tax Benefit and Equity in Undistributed Net Income of Subsidiaries 13,256 12,104 11,791 Income Tax Benefit 466 686 225 Equity in Undistributed Net Income of Subsidiaries 23,753 23,489 17,310 Net Income $ 37,475 $ 36,279 $ 29,326 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, 2019 2018 2017 Cash Flows from Operating Activities: Net Income $ 37,475 $ 36,279 $ 29,326 Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities: Undistributed Net Income of Subsidiaries (23,753 ) (23,489 ) (17,310 ) Shares Issued Under the Directors’ Stock Plan 258 205 233 Changes in Other Assets and Other Liabilities (1,236 ) (918 ) (1,179 ) Net Cash Provided by Operating Activities 12,744 12,077 11,070 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 1,792 2,255 1,190 Shares Issued Under the Employee Stock Purchase Plan 493 505 496 Shares Issued for Dividend Reinvestment Plans 1,777 1,761 1,684 Tax Benefit for Exercises of Stock Options — — — Purchase of Treasury Stock (2,469 ) (2,097 ) (3,248 ) Cash Dividends Paid (15,206 ) (14,389 ) (13,599 ) Net Cash Used in Financing Activities (13,613 ) (11,965 ) (13,477 ) Net Increase (Decrease) in Cash and Cash Equivalents (869 ) 112 (1,407 ) Cash and Cash Equivalents at Beginning of the Year 2,298 2,186 3,593 Cash and Cash Equivalents at End of the Year $ 1,429 $ 2,298 $ 2,186 Supplemental Disclosures to Statements of Cash Flow Information: Interest Paid $ 1,024 $ 976 $ 781

Significant Accounting (Policie

Significant Accounting (Policies)	12 Months Ended
	Dec. 31, 2019
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. Investments in Federal Reserve Bank and Federal Home Loan Bank (“FHLB”) stock are required for membership in those organizations and are carried at cost since there is no market value available. The FHLB New York continues to pay dividends and repurchase stock. As such, the Company has not recognized any impairment on its holdings of Federal Reserve Bank and FHLB stock.
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.
Comprehensive Income (Loss)	Comprehensive Income (Loss) - For the Company, comprehensive income (loss) represents net income plus unrealized net securities holding gains or losses arising during the year (net of taxes), net retirement plan gain or loss (net of taxes), net retirement plan prior service cost (net of taxes), amortization of net retirement plan actuarial gain or loss (net of taxes) and amortization of net retirement plan prior service credit or cost (net of taxes) and is presented in the Consolidated Statements of Comprehensive Income (Loss) and Consolidated Statements of Changes in Shareholders’ Equity. Accumulated other comprehensive income (loss) represents the unrealized net securities holding gains or losses arising during the year (net of taxes), net retirement plan gain or loss (net of taxes), net retirement plan prior service cost (net of taxes), amortization of net retirement plan actuarial gain or loss (net of taxes) and amortization of net retirement plan prior service credit or cost (net of taxes) in the Company’s defined-benefit retirement and pension plan, supplemental employee retirement plan, and post-retirement life and healthcare benefit plan.
Revenue Recognition	Revenue Recognition - The following is a description of principal activities from which the Company generates its revenue from noninterest income sources. 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	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.
Leases	Leases - The Company adopted 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, as of January 1, 2019 using the effective date method, also known as the modified retrospective method, with the cumulative-effect adjustment recorded at the beginning of the period of adoption. As a result of this adoption, the Company's assets increased $7.9 million and the Company's liabilities increased $8.0 million with no adjustment required to retained earnings and no material impact to the consolidated statements of income. Practical Expedients Elected At Adoption: The package of practical expedients were elected that did not require the Company to reassess whether an existing contract contains a lease, to reassess existing leases between operating leases and finance leases or to reassess initial direct costs for any existing leases. These practical expedients were applied together. In addition, the Company also elected a practical expedient, which was required to 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. Accounting Policy Elections: The Company also made two accounting policy elections related to the adoption of this standard. The first was 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 was to account for short-term leases, those leases with a "lease term" of twelve months or less, as an operating lease. Determination of the Discount Rate to Calculate the Lease Liability: Since the Company was unable to determine the rate implicit in its leases, the secured borrowing rate from the Federal Home Loan Bank of New York as of the January 1, 2019 adoption date was utilized for existing leases for the effective lease term beginning with the effective date of each existing lease. The expected expiration date of each lease was determined on a lease-by-lease basis based on the availability of renewal options in the lease contracts, the amount of leasehold improvements at each location, total branch deposits at each location in addition to the feasibility of growth potential at each location. A similar process is followed to determine the expected lease expiration date for all leases executed subsequent to the January 1, 2019 adoption date. The discount rate is determined for leases executed subsequent to the January 1, 2019 adoption date based on the expected lease term using the secured borrowing rate from the Federal Home Loan Bank of New York as of the effective date of the lease.
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 - 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-based compenation 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 each loan type. 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. The carrying amount of 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, brokered money market deposits and time 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 - Arrow determines 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.

Cash and Cash Equivalents (Tabl

Cash and Cash Equivalents (Tables)	12 Months Ended
	Dec. 31, 2019
Cash and Cash Equivalents [Abstract]
Schedule of Cash and Cash Equivalents	2019 2018 Cash and Due From Banks $ 47,035 $ 56,529 Interest-Bearing Deposits at Banks 23,186 27,710 Total Cash and Cash Equivalents $ 70,221 $ 84,239 Supplemental Information: Total required reserves, including vault cash and Federal Reserve Bank deposits $ 35,985 $ 40,677
Restrictions on Cash and Cash Equivalents	2019 2018 Cash and Due From Banks $ 47,035 $ 56,529 Interest-Bearing Deposits at Banks 23,186 27,710 Total Cash and Cash Equivalents $ 70,221 $ 84,239 Supplemental Information: Total required reserves, including vault cash and Federal Reserve Bank deposits $ 35,985 $ 40,677

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Available-for-sale Securities	The following table is the schedule of Available-For-Sale Securities at December 31, 2019 and 2018 : Available-For-Sale Securities U.S. Government & Agency State and Mortgage- Corporate Total December 31, 2019 Available-For-Sale Securities, $ 5,002 $ 764 $ 349,944 $ 1,000 $ 356,710 Available-For-Sale Securities, 5,054 764 350,716 800 357,334 Gross Unrealized Gains 52 — 1,852 — 1,904 Gross Unrealized Losses — — 1,080 200 1,280 Available-For-Sale Securities, 164,426 Maturities of Debt Securities, Within One Year — 25 18 — 43 From 1 - 5 Years 5,002 299 300,271 — 305,572 From 5 - 10 Years — — 49,655 1,000 50,655 Over 10 Years — 440 — — 440 Maturities of Debt Securities, Within One Year — 26 18 — 44 From 1 - 5 Years 5,054 298 301,336 — 306,688 From 5 - 10 Years — — 49,362 800 50,162 Over 10 Years — 440 — — 440 Securities in a Continuous Loss Position, at Fair Value: Less than 12 Months $ — $ — $ 52,491 $ — $ 52,491 12 Months or Longer — — 97,164 800 97,964 Total $ — $ — $ 149,655 $ 800 $ 150,455 Number of Securities in a Continuous Loss Position — — 54 1 55 Unrealized Losses on Securities in a Continuous Loss Position: Less than 12 Months $ — $ — $ 317 $ — $ 317 12 Months or Longer — — 763 200 963 Total $ — $ — $ 1,080 $ 200 $ 1,280 Disaggregated Details: US Agency Obligations, 5,002 US Agency Obligations, 5,054 US Government Agency $ 61,102 US Government Agency 60,616 Government Sponsored Entity 288,842 Government Sponsored Entity 290,100 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, 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 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 Agency Obligations, 47,071 US Agency Obligations, 46,765 US Government Agency 72,095 US Government Agency 71,800 Government Sponsored Entity 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, 2019 and 2018 : Held-To-Maturity Securities State and Mortgage- Total December 31, 2019 Held-To-Maturity Securities, $ 208,243 $ 36,822 $ 245,065 Held-To-Maturity Securities, 212,319 37,299 249,618 Gross Unrealized Gains 4,170 477 4,647 Gross Unrealized Losses 94 — 94 Held-To-Maturity Securities, 237,969 Maturities of Debt Securities, Within One Year 17,243 3,532 20,775 From 1 - 5 Years 115,150 33,290 148,440 From 5 - 10 Years 74,259 — 74,259 Over 10 Years 1,591 — 1,591 Maturities of Debt Securities, Within One Year 17,276 3,586 20,862 From 1 - 5 Years 117,178 33,713 150,891 From 5 - 10 Years 76,242 — 76,242 Over 10 Years 1,623 — 1,623 Securities in a Continuous Less than 12 Months $ 1,438 $ — $ 1,438 12 Months or Longer 1,994 — 1,994 Total $ 3,432 $ — $ 3,432 Number of Securities in a 10 — 10 Unrealized Losses on Securities Less than 12 Months $ 85 $ — $ 85 12 Months or Longer 9 — 9 Total $ 94 $ — $ 94 Disaggregated Details: US Government Agency 1,703 US Government Agency 1,720 Government Sponsored Entity 35,119 Government Sponsored Entity 35,579 Held-To-Maturity Securities State and Mortgage- Total 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 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
Debt Securities, Trading, and Equity Securities, FV-NI	The following table is the schedule of Equity Securities at December 31, 2019 and 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, 2019 2018 Equity Securities, at Fair Value $ 2,063 $ 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 years ended December 31, 2019 and 2018 : December 31, 2019 2018 Net Gain on Equity Securities $ 289 $ 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 $ 289 $ 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, 2019 2018 Federal Reserve Bank Stock $ 1,138 $ 1,132 Federal Home Loan Bank Stock 9,179 14,374 Total Federal Reserve Bank and Federal Home Loan Bank Stock $ 10,317 $ 15,506

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2019
Loans and Leases Receivable Disclosure [Abstract]
Past Due Financing Receivables	The following table presents loan balances outstanding as of December 31, 2019 and December 31, 2018 and an analysis of the recorded investment in loans that are past due at these dates. Loans held-for-sale of $150 and $215 as of December 31, 2019 , and December 31, 2018 , respectively, are included in the residential real estate balances for current loans. Schedule of Past Due Loans by Loan Category Commercial Commercial Real Estate Consumer Residential Total December 31, 2019 Loans Past Due 30-59 Days $ 150 $ — $ 5,670 $ 152 $ 5,972 Loans Past Due 60-89 Days 42 266 2,700 2,027 5,035 Loans Past Due 90 or More Days 21 326 445 1,807 2,599 Total Loans Past Due 213 592 8,815 3,986 13,606 Current Loans 150,447 509,949 802,383 909,735 2,372,514 Total Loans $ 150,660 $ 510,541 $ 811,198 $ 913,721 $ 2,386,120 Loans 90 or More Days Past Due and Still Accruing Interest $ — $ — $ — $ 253 $ 253 Nonaccrual Loans 81 326 663 2,935 4,005 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
Financing Receivable Supplemental Information	Schedule of Supplemental Loan Information 2019 2018 Supplemental Information : Unamortized deferred loan origination costs, net of deferred loan origination fees, included in the above balances $ 5,181 $ 4,494 Overdrawn deposit accounts, included in the above balances 2,420 572 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 731,240 550,750 Residential real estate loans serviced for Freddie Mac, not included in the balances above 139,094 133,747
Allowance for Credit Losses on Financing Receivables	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 Total Rollfoward of the Allowance for Loan Losses for the Year Ended: December 31, 2018 $ 1,218 $ 5,644 $ 8,882 $ 4,452 $ 20,196 Charge-offs (12 ) (29 ) (1,603 ) (91 ) (1,735 ) Recoveries 98 — 549 — 647 Provision 82 215 1,580 202 2,079 December 31, 2019 $ 1,386 $ 5,830 $ 9,408 $ 4,563 $ 21,187 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 December 31, 2019 Allowance for loan losses - Loans Individually Evaluated for Impairment $ 5 $ — $ — $ 42 $ 47 Allowance for loan losses - Loans Collectively Evaluated for Impairment 1,381 5,830 9,408 4,521 21,140 Ending Loan Balance - Individually Evaluated for Impairment 35 — 107 959 1,101 Ending Loan Balance - Collectively Evaluated for Impairment 150,625 510,541 811,091 912,762 2,385,019 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
Financing Receivable Credit Quality Indicators	The following table presents the credit quality indicators by loan category at December 31, 2019 and December 31, 2018 : Loan Credit Quality Indicators Commercial Commercial Real Estate Consumer Residential Total December 31, 2019 Credit Risk Profile by Creditworthiness Category: Satisfactory $ 144,283 $ 484,267 $ 628,550 Special Mention 32 263 295 Substandard 6,345 26,011 32,356 Doubtful — — — Credit Risk Profile Based on Payment Activity: Performing $ 810,535 $ 910,533 1,721,068 Nonperforming 663 3,188 3,851 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
Impaired Financing Receivables	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, 2019 Recorded Investment: With No Related Allowance $ — $ — $ 108 $ 699 $ 807 With a Related Allowance 34 — — 260 294 Unpaid Principal Balance: With No Related Allowance $ — $ — $ 107 $ 699 $ 806 With a Related Allowance 35 — — 260 295 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 For the Year-To-Date Period Ended: December 31, 2019 Average Recorded Balance: With No Related Allowance $ 215 $ 397 $ 105 $ 1,152 $ 1,869 With a Related Allowance 17 — — 277 294 Interest Income Recognized: With No Related Allowance $ — $ — $ 1 $ 8 $ 9 With a Related Allowance — — — — — Cash Basis Income: With No Related Allowance $ — $ — $ — $ — $ — With a Related Allowance — — — — — 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 — — — — —
Troubled Debt Restructurings on Financing Receivables	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, 2019 Number of Loans — — 6 — 6 Pre-Modification Outstanding Recorded Investment $ — $ — $ 68 $ — $ 68 Post-Modification Outstanding Recorded Investment — — 68 — 68 Subsequent Default, Number of Contracts — — — — — Subsequent Default, Recorded Investment — — — — — Commitments to lend additional funds to modified loans — — — — — 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 — — — — —

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
Property, Plant and Equipment	A summary of premises and equipment at December 31, 2019 and 2018 is presented below: 2019 2018 Land and Bank Premises $ 39,342 $ 35,010 Equipment, Furniture and Fixtures 30,529 30,192 Leasehold Improvements 3,758 1,921 Total Cost 73,629 67,123 Accumulated Depreciation and Amortization (38,171 ) (36,677 ) Net Owned Premises and Equipment 35,458 30,446 Leased Assets (see Note 18) 5,171 — Net Premises and Equipment $ 40,629 $ 30,446

Other Intangible Assets (Tables

Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2019
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, 2019 , 2018 and 2017 : Depositor Intangibles 1 Mortgage Servicing Rights 2 Customer Intangibles 1 Total Gross Carrying Amount, December 31, 2019 $ 2,247 $ 2,229 $ 4,382 $ 8,858 Accumulated Amortization (2,247 ) (1,913 ) (3,037 ) (7,197 ) Net Carrying Amount, December 31, 2019 $ — $ 316 $ 1,345 $ 1,661 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 Rollforward of Intangible Assets: 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 Intangible Assets Acquired — 168 — 168 Intangible Assets Disposed — — — — Amortization of Intangible Assets — (114 ) (245 ) (359 ) Balance, December 31, 2019 $ — $ 316 $ 1,345 $ 1,661 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, 2019 : Mortgage Servicing Rights Customer Intangibles Total Estimated Annual Amortization Expense: 2020 $ 99 $ 228 $ 327 2021 78 211 289 2022 57 193 250 2023 37 176 213 2024 27 155 182 2025 and beyond 18 382 400 Total $ 316 $ 1,345 $ 1,661

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2019
Commitments and Contingencies Disclosure [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, 2019 and 2018 : Balance at December 31, 2019 2018 Notional Amount: Commitments to Extend Credit $ 349,718 $ 321,143 Standby Letters of Credit 3,129 4,466 Fair Value: Commitments to Extend Credit $ — $ — Standby Letters of Credit 31 12
Schedule of Derivative Instruments	The following table depicts the fair value adjustment recorded related to the notional amount of derivatives outstanding as well as the notional amount of the interest rate swap agreements. Derivatives Not Designated as Hedging Instruments - Interest Rate Swap Agreements December 31, 2019 December 31, 2018 Fair value adjustment included in other assets $ 69 $ — Fair value adjustment included in other liabilities 69 — Notional amount 44,531 —

Time Deposits (Tables)

Time Deposits (Tables)	12 Months Ended
	Dec. 31, 2019
Maturities of Time Deposits [Abstract]
Maturities of Time Deposits	The following summarizes the contractual maturities of time deposits during years subsequent to December 31, 2019 : Year of Maturity Total Time Deposits 2020 $ 314,068 2021 44,620 2022 11,975 2023 5,040 2024 6,253 2025 and beyond 13,365 Total $ 395,321

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2019
Debt Disclosure [Abstract]
Schedule of Short-term Debt	Schedule of Short-Term Borrowings: 2019 2018 Balances at December 31: Overnight Advances from the Federal Home Loan Bank of New York $ 130,000 $ 234,000 Securities Sold Under Agreements to Repurchase 51,099 54,659 Total Short-Term Borrowings $ 181,099 $ 288,659 Maximum Borrowing Capacity at December 31: Federal Funds Purchased $ 67,000 $ 57,000 Federal Home Loan Bank of New York 731,240 550,750 Federal Reserve Bank of New York 583,369 489,809
Schedule of Financial Instruments Owned and Pledged as Collateral	Investment securities with a fair value of $62.4 million and $65.5 million were pledged as collateral for the securities sold under agreements to repurchase at December 31, 2019 and 2018 , respectively, and are presented in the table below: 2019 2018 Balances at December 31: U.S. Government & Agency Obligations $ — $ 22,314 Mortgage-Backed Securities 62,372 43,155 Total Pledged Collateral for Repo Accounts $ 62,372 $ 65,469
Schedule of Maturities of Long-term Debt	Maturity Schedule of FHLBNY Term Advances : Balances Weighted Average Rate Final Maturity 2019 2018 2019 2018 First Year $ 25,000 $ 20,000 2.02 % 1.70 % Second Year — 25,000 — % 2.02 % Third Year 5,000 — 1.81 % — % Fourth Year — — — % — % Fifth Year — — — % — % Total $ 30,000 $ 45,000 1.98 % 1.88 %
Schedule of Long-term Debt Instruments	Schedule of Guaranteed Preferred Beneficial Interests in Corporation's Junior Subordinated Debentures 2019 2018 ACST II Balance at December 31, $ 10,000 $ 10,000 Period-End Interest Rate 5.25 % 5.55 % ACST III Balance at December 31, $ 10,000 $ 10,000 Period-End Interest Rate 4.10 % 4.40 %

Comprehensive Income (Loss), _2

Comprehensive Income (Loss), Net of Tax (Tables)	12 Months Ended
	Dec. 31, 2019
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of Comprehensive Income (Loss)	The following table presents the components of other comprehensive income (loss) for the years ended December 31, 2019 , 2018 and 2017 : Schedule of Comprehensive Income (Loss) Before-Tax Amount Tax Expense (Benefit) Net-of-Tax Amount 2019 Net Unrealized Securities Holding Gains Arising During the Period $ 5,580 $ (1,418 ) $ 4,162 Net Retirement Plan Gains 3,505 (891 ) 2,614 Amortization of Net Retirement Plan Actuarial Loss 684 (174 ) 510 Accretion of Net Retirement Plan Prior Service Credit 224 (57 ) 167 Other Comprehensive Income $ 9,993 $ (2,540 ) $ 7,453 2018 Net Unrealized Securities Holding Losses Arising During the Period $ (2,839 ) $ 723 $ (2,116 ) Net Retirement Plan Losses (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 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 Gains Included in Net Income 448 (111 ) 337 Net Retirement Plan Losses 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 Loss $ (370 ) $ 335 $ (35 )
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, 2018 $ (3,697 ) $ (8,971 ) $ (1,142 ) $ (13,810 ) Other comprehensive income before reclassifications 4,162 2,614 — 6,776 Amounts reclassified from accumulated other comprehensive income 510 167 677 Net current-period other comprehensive income 4,162 3,124 167 7,453 December 31, 2019 $ 465 $ (5,847 ) $ (975 ) $ (6,357 ) 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 (loss) (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 ) (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, 2019 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 $ (224 ) (2) Salaries and Employee Benefits Actuarial gains/(losses) (684 ) (2) Salaries and Employee Benefits (908 ) Total before tax 231 Provision for Income Taxes $ (677 ) Net of tax Total reclassifications for the period $ (677 ) Net of tax 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 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, 2017 Unrealized gains and losses on available-for-sale securities $ (448 ) Gain 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 (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, 2019
Share-based Payment Arrangement [Abstract]
Disclosure of Share-based Compensation Arrangements by Share-based Payment Award	The following table summarizes information about restricted stock unit activity for the year ended December 31, 2019 . The Company started granting restricted stock units in 2018. Restricted Stock Units Weighted Average Grant Date Fair Value Non-vested at January 1, 2019 3,478 $ 31.62 Granted 4,018 $ 30.79 Vested — $ — Canceled — $ — Non-vested at December 31, 2019 7,496 $ 31.18 Non-vested at January 1, 2018 — $ — Granted 3,478 $ 31.62 Vested — $ — Canceled — $ — Non-vested at December 31, 2018 3,478 $ 31.62 The following table summarizes information about stock option activity for the year ended December 31, 2019 . Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at January 1, 2019 293,058 $ 24.92 Granted 53,560 $ 30.79 Exercised (86,508 ) $ 20.69 Forfeited (18,868 ) $ 25.83 Outstanding at December 31, 2019 241,242 $ 27.58 6.50 $ 2,465 Vested at Period-End 126,081 $ 24.71 4.96 $ 1,649 Expected to Vest 115,161 $ 30.72 8.19 $ 816 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 225,485 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, 2019 . 2019 2018 Amount Expensed During the Year $ 75 $ 34 Compensation Costs for Non-vested Awards Not Yet Recognized 126 76
Schedule of Share-based Compensation, Shares Authorized under Stock Option Plans, by Exercise Price Range	The following is the Schedule of Stock Options Granted Under the Long Term Incentive Plan by Exercise Price Range. Exercise Price Ranges $19.01 $20.29 to $20.87 $21.35 $22.51 to $22.97 $30.79 to $30.91 $34.05 Total Outstanding at December 31, 2019 Number of Stock Options Outstanding 1,872 27,325 20,338 52,385 98,614 40,708 241,242 Weighted-Average Remaining Contractual Life (in years) 0.08 1.92 4.08 5.66 8.61 7.07 6.50 Weighted-Average Exercise Price $ 19.01 $ 20.57 $ 21.35 $ 22.78 $ 30.85 $ 34.05 $ 27.58 Vested at December 31, 2019 Number of Stock Options Outstanding 1,872 27,325 20,338 42,672 12,570 21,304 126,081 Weighted-Average Remaining Contractual Life (in years) 0.08 1.92 4.08 5.56 8.09 7.07 4.96 Weighted-Average Exercise Price $ 19.01 $ 20.57 $ 21.35 $ 22.73 $ 30.91 $ 34.05 $ 24.71
Other Stock Based Compensation Disclosure Table	The following is the Schedule of Other Information on Stock Options Granted. 2019 2018 2017 Stock Options Granted 53,560 55,070 59,009 Weighted Average Grant Date Information: Fair Value of Options Granted $ 5.58 $ 5.43 $ 5.89 Fair Value Assumptions: Dividend Yield 3.26 % 2.98 % 2.72 % Expected Volatility 22.58 % 21.55 % 21.40 % Risk Free Interest Rate 2.63 % 2.68 % 2.25 % Expected Lives (in years) 8.68 6.98 6.88 Amount Expensed During the Year $ 316 $ 322 $ 351 Compensation Costs for Non-vested Awards Not Yet Recognized 487 504 528 Weighted Average Expected Vesting Period, In Years 2.07 2.74 2.59 Proceeds From Stock Options Exercised $ 1,792 $ 2,255 $ 1,190 Tax Benefits Related to Stock Options Exercised 227 240 168 Intrinsic Value of Stock Options Exercised 1,073 1,552 825
Schedule of Employee Stock Ownership Plan (ESOP) Disclosures	Schedule of ESOP Compensation Expense 2019 2018 2017 ESOP Compensation Expense $ 1,368 $ 1,400 $ 1,400 Prior to December 31, 2019, shares pledged as collateral were reported as unallocated ESOP shares in stockholders’ equity. As shares were released from collateral, Arrow reported compensation expense equal to the current average market price of the shares, and the shares become outstanding for earnings per share computations. During the year ended December 31, 2019, all remaining unallocated shares were released. The ESOP shares as of December 31, 2019 were as follows: Schedule of Shares in ESOP Plan ESOP Plan Shares: 2019 Allocated Shares 759,321 Shares Released for Allocation During 2019 5,151 Unallocated Shares — Total ESOP Shares 764,472

Retirement Benefit Plans (Table

Retirement Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2019
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, 2019 Fair Value of Plan Assets $ 57,051 $ — $ — Benefit Obligation 42,322 5,194 8,652 Funded Status of Plan $ 14,729 $ (5,194 ) $ (8,652 ) 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 ) Change in Benefit Obligation Benefit Obligation, at January 1, 2019 $ 38,069 $ 4,710 $ 7,706 Service Cost 1 1,527 324 121 Interest Cost 2 1,765 217 364 Plan Participants' Contributions — — 485 Actuarial Loss 2,960 409 670 Benefits Paid (1,999 ) (466 ) (694 ) Benefit Obligation, at December 31, 2019 $ 42,322 $ 5,194 $ 8,652 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 (795 ) (17 ) (664 ) Benefits Paid (3,212 ) (465 ) (695 ) Benefit Obligation, at December 31, 2018 $ 38,069 $ 4,710 $ 7,706 Change in Fair Value of Plan Assets Fair Value of Plan Assets, at January 1, 2019 $ 48,445 $ — $ — Actual Return on Plan Assets 10,605 — — Employer Contributions — 466 209 Plan Participants' Contributions — — 485 Benefits Paid (1,999 ) (466 ) (694 ) Fair Value of Plan Assets, at December 31, 2019 $ 57,051 $ — $ — 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, 2018 $ 48,445 $ — $ — Accumulated Benefit Obligation at December 31, 2019 $ 42,041 $ 5,125 $ 8,652 Amounts Recognized in the Consolidated Balance Sheets December 31, 2019 Prepaid Pension Asset $ 14,729 $ — — Accrued Benefit Liability — (5,194 ) (8,652 ) Net Benefit Recognized $ 14,729 $ (5,194 ) $ (8,652 ) December 31, 2018 Prepaid Pension Asset $ 10,376 $ — — Accrued Benefit Liability — (4,710 ) (7,706 ) Net Benefit Recognized $ 10,376 $ (4,710 ) $ (7,706 ) Schedule of Defined Benefit Plan Disclosures Employees' Pension Plan Select Executive Retirement Plan Postretirement Benefit Plans Amounts Recognized in Other Comprehensive Income (Loss) For the Year Ended December 31, 2019 Net Unamortized (Gain) Loss Arising During the Period $ (4,584 ) $ 409 $ 670 Amortization of Net (Loss) Gain (613 ) (113 ) 42 Amortization of Prior Service Cost (69 ) (54 ) (101 ) Total Other Comprehensive (Loss) Income for Pension and $ (5,266 ) $ 242 $ 611 For the Year Ended December 31, 2018 Net Unamortized (Gains) Loss Arising During the Period $ 4,480 $ (17 ) $ (665 ) Net Prior Service Cost Arising During the Period — — 453 Amortization of Net Gains (194 ) (131 ) — Amortization of Prior Service Credit (Cost) 49 (57 ) (100 ) Total Other Comprehensive Income (Loss) for Pension and Other Postretirement Benefit Plans $ 4,335 $ (205 ) $ (312 ) For the Year Ended December 31, 2017 Net Unamortized 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 (Cost) Credit 57 (57 ) 11 Total Other Comprehensive (Loss) Income for Pension and Other Postretirement Benefit Plans $ (766 ) $ 58 $ 21 Accumulated Other Comprehensive Income December 31, 2019 Net Actuarial Loss (Gains) $ 5,745 $ 2,275 $ (181 ) Prior Service Cost 244 378 685 Total Accumulated Other Comprehensive Income, Before Tax $ 5,989 $ 2,653 $ 504 December 31, 2018 Net Actuarial Loss (Gains) $ 10,942 $ 1,979 $ (893 ) Prior Service Cost 313 432 786 Total Accumulated Other Comprehensive Income, Before Tax $ 11,255 $ 2,411 $ (107 ) Amounts that will be Amortized from Accumulated Other Comprehensive Income the Next Year Net Actuarial Loss $ 4 $ 132 $ 7 Prior Service Cost $ 63 $ 42 $ 106 Net Periodic Benefit Cost For the Year Ended December 31, 2019 Service Cost 1 $ 1,527 $ 324 $ 121 Interest Cost 2 1,765 217 364 Expected Return on Plan Assets 2 (3,060 ) — — Amortization of Prior Service Cost 2 69 54 101 Amortization of Net Loss 2 613 113 (42 ) Net Periodic Benefit Cost $ 914 $ 708 $ 544 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 (Credit) Cost $ (62 ) $ 794 $ 569 Schedule of Defined Benefit Plan Disclosures Employees' Pension Plan Select Executive Retirement Plan Postretirement Benefit Plans 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 (Gain) 2 306 129 (24 ) Net Periodic Benefit Cost $ 182 $ 440 $ 434 Weighted-Average Assumptions Used in Calculating Benefit Obligation December 31, 2019 Discount Rate 3.72 % 3.75 % 3.76 % Rate of Compensation Increase 3.50 % 3.50 % 3.50 % Interest Rate Credit for Determining Projected Cash Balance Account 3.00 % 3.00 % 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 3.36 % 3.36 % Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost December 31, 2019 Discount Rate 4.81 % 4.80 % 4.81 % 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 % 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 3.00 % 3.00 % 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 % 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, 2019 Cash $ — $ — $ — $ — — % — % 15.0 % Interest-Bearing Money Market Fund 2,742 — — 2,742 4.8 % — % 15.0 % Arrow Common Stock 1 6,542 — — 6,542 11.5 % — % 10.0 % North Country Funds - Equity 2 21,209 — — 21,209 37.2 % Other Mutual Funds - Equity 15,868 — — 15,868 27.8 % Total Equity Funds 37,077 — — 37,077 65.0 % 55.0 % 85.0 % North Country Funds - Fixed income 2 8,692 — — 8,692 15.2 % Other Mutual Funds - Fixed Income 793 — — 793 1.4 % Total Fixed Income Funds 9,485 — — 9,485 16.6 % 10.0 % 30.0 % Alternative ETF 1,205 — — 1,205 2.1 % — % 20.0 % Total $ 57,051 $ — $ — $ 57,051 100.0 % 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 % Footnotes: 1 Payment for the 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' Select Postretirement Expected Future Benefit Payments 2020 $ 2,975 $ 444 $ 638 2021 2,527 427 673 2022 2,808 409 655 2023 3,048 389 629 2024 2,922 555 643 2025 - 2029 14,571 2,482 3,271 Estimated Contributions During 2020 $ — $ 444 $ 638 Assumed Health Care Cost Trend Rates December 31, 2019 Health Care Cost Trend Rate Assumed for Next Year 6.75 % 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, 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 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 $ 43 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 550 Effect of a One Percentage Point Decrease on Accumulated Postretirement Benefit Obligation (477 )

Other Expenses (Tables)

Other Expenses (Tables)	12 Months Ended
	Dec. 31, 2019
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: 2019 2018 2017 Legal and Other Professional Fees $ 2,469 $ 2,460 $ 2,194 Postage and Courier 1,051 982 947 Advertising and Promotion 1,236 1,083 1,035 Stationery and Printing 834 782 841 Intangible Asset Amortization 245 262 279 All Other 4,595 3,507 3,456 Total Other Operating Expense $ 10,430 $ 9,076 $ 8,752

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense (Benefit)	The provision for income taxes is summarized below: Current Tax Expense: 2019 2018 2017 Federal $ 7,706 $ 7,668 $ 11,142 State 1,550 1,450 917 Total Current Tax Expense 9,256 9,118 12,059 Deferred Tax Expense (Benefit): Federal 427 (40 ) (1,453 ) State (83 ) (52 ) (77 ) Total Deferred Tax Expense (Benefit) 344 (92 ) (1,530 ) Total Provision for Income Taxes $ 9,600 $ 9,026 $ 10,529
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 2019 and 2018 and 35% for 2017 , to pre-tax income as a result of the following: 2019 2018 2017 Statutory Federal Tax Rate 21.0 % 21.0 % 35.0 % Increase (Decrease) Resulting From: Tax Cuts and Jobs Act impact on deferred remeasurement — — (2.8 ) Tax-Exempt Income (2.7 ) (3.1 ) (6.4 ) Nondeductible Interest Expense 0.2 0.1 0.1 State Taxes, Net of Federal Income Tax Benefit 2.3 2.4 1.8 Tax benefit from stock based compensation (0.3 ) (0.4 ) (0.3 ) Other Items, Net (0.1 ) (0.1 ) (1.0 ) Effective Tax Rate 20.4 % 19.9 % 26.4 %
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, 2019 and 2018 are presented below: 2019 2018 Deferred Tax Assets: Allowance for Loan Losses $ 5,383 $ 5,131 Lease liabilities 2,787 — Pension and Deferred Compensation Plans 2,923 2,764 Pension Liability Included in Accumulated Other Comprehensive Income 2,329 3,450 Other 352 342 Net Unrealized Losses on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income — 1,259 Total Gross Deferred Tax Assets 13,774 12,946 Valuation Allowance for Deferred Tax Assets — — Total Gross Deferred Tax Assets, Net of Valuation Allowance $ 13,774 $ 12,946 Deferred Tax Liabilities: Pension Plans $ 5,270 $ 5,502 Depreciation 1,943 1,149 ROU assets 2,748 — Deferred Income 3,215 3,003 Net Unrealized Gains on Equity Securities 240 166 Net Unrealized Gains on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income 160 — Goodwill 3,502 3,546 Total Gross Deferred Tax Liabilities $ 17,078 $ 13,366 Deferred Tax Liability, Net $ 3,304 $ 420

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2019
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, 2019 . All share and per share amounts have been adjusted for the September 27, 2019 3 % stock dividend. Earnings Per Share Year-to-Date Period Ended: 12/31/2019 12/31/2018 12/31/2017 Earnings Per Share - Basic: Net Income $ 37,475 $ 36,279 $ 29,326 Weighted Average Shares - Basic 14,940 14,840 14,739 Earnings Per Share - Basic $ 2.51 $ 2.44 $ 1.99 Earnings Per Share - Diluted: Net Income $ 37,475 $ 36,279 $ 29,326 Weighted Average Shares - Basic 14,940 14,840 14,739 Dilutive Average Shares Attributable to Stock Options 43 82 99 Weighted Average Shares - Diluted 14,983 14,922 14,838 Earnings Per Share - Diluted $ 2.50 $ 2.43 $ 1.98

Fair Values (Tables)

Fair Values (Tables)	12 Months Ended
	Dec. 31, 2019
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) December 31, 2019 Assets: Securities Available-for Sale: U.S. Government & Agency Obligations $ 5,054 $ — $ 5,054 $ — State and Municipal Obligations 764 — 764 — Mortgage-Backed Securities 350,716 — 350,716 — Corporate and Other Debt Securities 800 — 800 — Total Securities Available-for-Sale 357,334 — 357,334 $ — Equity Securities 2,063 — 2,063 — Total Securities Measured on a Recurring Basis 359,397 — 359,397 — Derivatives, included in other assets 69 — 69 — Total Measured on a Recurring Basis $ 359,466 $ — $ 359,466 $ — Liabilities: Derivatives, included in other liabilities $ 69 $ — $ 69 $ — Total Measured on a Recurring Basis $ 69 $ — $ 69 $ — December 31, 2018 Assets: 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 $ — Fair Value of Assets and Liabilities Measured on a Nonrecurring Basis: Fair Value Quoted Prices In Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Gains (Losses) Recognized in Earnings December 31, 2019 Collateral Dependent Impaired Loans $ 285 $ — $ — $ 285 $ — Other Real Estate Owned and Repossessed Assets, Net 1,261 — — 1,261 (186 ) December 31, 2018 Collateral Dependent Impaired Loans $ — $ — $ — $ — $ — Other Real Estate Owned and Repossessed Assets, Net 1,260 — — 1,260 (132 )
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, 2019 Cash and Cash Equivalents $ 70,221 $ 70,221 $ 70,221 $ — $ — Securities Available-for-Sale 357,334 357,334 — 357,334 — Securities Held-to-Maturity 245,065 249,618 — 249,618 — Equity Securities 2,063 2,063 2,063 Federal Home Loan Bank and Federal Reserve Bank Stock 10,317 10,317 — 10,317 — Net Loans 2,364,933 2,332,797 — — 2,332,797 Accrued Interest Receivable 7,377 7,377 — 7,377 — Derivatives, included in other assets 69 69 — 69 — Deposits 2,616,054 2,614,170 — 2,614,170 — Federal Funds Purchased and Securities Sold Under Agreements to Repurchase 51,099 51,099 — 51,099 — Federal Home Loan Bank Overnight Advances 130,000 130,000 — 130,000 — Federal Home Loan Bank Term Advances 30,000 29,993 — 29,993 — Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts 20,000 20,000 — 20,000 — Accrued Interest Payable 1,436 1,436 — 1,436 — Derivatives, included in other liabilities 69 69 — 69 — 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 Federal Home Loan Bank 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 — Federal Home Loan Bank 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 —

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2019
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Lease, Cost	The following includes quantitative data related to the Company's leases as of and for the twelve months ended December 31, 2019 : Finance Lease Amounts: Classification Right-of-use Assets Premises and Equipment, Net $ 5,171 Lease Liabilities Finance Leases 5,254 Operating Lease Amounts: Right-of-use Assets Other Assets $ 5,644 Lease Liabilities Other Liabilities 5,713 Other Information: Cash Paid For Amounts Included In The Measurement Of Lease Liabilities: Operating Outgoing Cash Flows From Finance Leases $ 99 Operating Outgoing Cash Flows From Operating Leases 779 Financing Outgoing Cash Flows From Finance Leases 28 Right-of-use Assets Obtained In Exchange For New Finance Lease Liabilities 5,271 Right-of-use Assets Obtained In Exchange For New Operating Lease Liabilities 6,266 Weighted-average Remaining Lease Term—Finance Leases (Yrs.) 30.80 Weighted-average Remaining Lease Term—Operating Leases (Yrs.) 13.71 Weighted-average Discount Rate—Finance Leases % 3.75 % Weighted-average Discount Rate—Operating Leases % 3.35 % Lease cost information for the Company's leases is as follows: Twelve Months Ended 12/31/2019 Lease Cost: Finance Lease Cost: Reduction in the Carrying Amount of Right-of-use assets $ 100 Interest on Lease Liabilities 99 Operating Lease Cost 795 Short-term Lease Cost 85 Variable Lease Cost 205 Total Lease Cost $ 1,284
Finance Lease, Liability, Maturity	Future Lease Payments at December 31, 2019 are as follows: Operating Leases Finance Leases Twelve Months Ended: 12/31/2020 $ 788 $ 230 12/31/2021 671 238 12/31/2022 578 169 12/31/2023 542 243 12/31/2024 521 249 Thereafter 4,113 8,271 Total Undiscounted Cash Flows 7,213 9,400 Less: Net Present Value Adjustment 1,500 4,146 Lease Liability $ 5,713 $ 5,254
Lessee, Operating Lease, Liability, Maturity	Future Lease Payments at December 31, 2019 are as follows: Operating Leases Finance Leases Twelve Months Ended: 12/31/2020 $ 788 $ 230 12/31/2021 671 238 12/31/2022 578 169 12/31/2023 542 243 12/31/2024 521 249 Thereafter 4,113 8,271 Total Undiscounted Cash Flows 7,213 9,400 Less: Net Present Value Adjustment 1,500 4,146 Lease Liability $ 5,713 $ 5,254
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, 2019
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, 2019 and 2018 : 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, 2019 Total Capital (to Risk Weighted Assets): Arrow $ 330,657 14.8 % $ 234,588 10.5 % $ 223,417 10.0 % Glens Falls National 254,438 14.5 % 184,248 10.5 % 175,474 10.0 % Saratoga National 65,295 13.6 % 50,412 10.5 % 48,011 10.0 % Tier I Capital (to Risk Weighted Assets): Arrow 309,469 13.8 % 190,615 8.5 % 179,402 8.0 % Glens Falls National 237,546 13.5 % 149,566 8.5 % 140,768 8.0 % Saratoga National 60,999 12.7 % 40,826 8.5 % 38,425 8.0 % Tier I Capital (to Average Assets): Arrow 309,469 10.0 % 123,788 4.0 % 154,735 5.0 % Glens Falls National 237,546 9.5 % 100,019 4.0 % 125,024 5.0 % Saratoga National 60,999 9.6 % 25,416 4.0 % 31,770 5.0 % Common Equity Tier 1 Capital (to Risk Weighted Assets): Arrow 289,409 12.9 % 157,044 7.0 % 145,826 6.5 % Glens Falls National 237,486 13.5 % 123,141 7.0 % 114,345 6.5 % Saratoga National 60,999 12.7 % 33,621 7.0 % 31,220 6.5 % 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 %

Parent Only Financial Informa_2

Parent Only Financial Information (Tables)	12 Months Ended
	Dec. 31, 2019
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 2019 2018 Interest-Bearing Deposits with Subsidiary Banks $ 1,429 $ 2,298 Equity Securities 2,063 1,774 Investment in Subsidiaries at Equity 312,018 280,408 Other Assets 9,365 8,626 Total Assets $ 324,875 $ 293,106 LIABILITIES Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts $ 20,000 $ 20,000 Other Liabilities 3,147 3,522 Total Liabilities 23,147 23,522 STOCKHOLDERS’ EQUITY Total Stockholders’ Equity 301,728 269,584 Total Liabilities and Stockholders’ Equity $ 324,875 $ 293,106 STATEMENTS OF INCOME Years Ended December 31, Income: 2019 2018 2017 Dividends from Bank Subsidiaries $ 14,100 $ 13,300 $ 12,800 Interest and Dividends on Investments 49 48 53 Other Income (Including Management Fees) 1,006 907 677 Total Income 15,155 14,255 13,530 Expense: Interest Expense 1,024 976 781 Other Expense 875 1,175 958 Total Expense 1,899 2,151 1,739 Income Before Income Tax Benefit and Equity in Undistributed Net Income of Subsidiaries 13,256 12,104 11,791 Income Tax Benefit 466 686 225 Equity in Undistributed Net Income of Subsidiaries 23,753 23,489 17,310 Net Income $ 37,475 $ 36,279 $ 29,326 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, 2019 2018 2017 Cash Flows from Operating Activities: Net Income $ 37,475 $ 36,279 $ 29,326 Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities: Undistributed Net Income of Subsidiaries (23,753 ) (23,489 ) (17,310 ) Shares Issued Under the Directors’ Stock Plan 258 205 233 Changes in Other Assets and Other Liabilities (1,236 ) (918 ) (1,179 ) Net Cash Provided by Operating Activities 12,744 12,077 11,070 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 1,792 2,255 1,190 Shares Issued Under the Employee Stock Purchase Plan 493 505 496 Shares Issued for Dividend Reinvestment Plans 1,777 1,761 1,684 Tax Benefit for Exercises of Stock Options — — — Purchase of Treasury Stock (2,469 ) (2,097 ) (3,248 ) Cash Dividends Paid (15,206 ) (14,389 ) (13,599 ) Net Cash Used in Financing Activities (13,613 ) (11,965 ) (13,477 ) Net Increase (Decrease) in Cash and Cash Equivalents (869 ) 112 (1,407 ) Cash and Cash Equivalents at Beginning of the Year 2,298 2,186 3,593 Cash and Cash Equivalents at End of the Year $ 1,429 $ 2,298 $ 2,186 Supplemental Disclosures to Statements of Cash Flow Information: Interest Paid $ 1,024 $ 976 $ 781

Risks and Uncertainties - Narra

Risks and Uncertainties - Narrative (Details)	12 Months Ended
	Dec. 31, 2019banksubsidiary_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, 2019USD ($)plan	Jan. 01, 2019USD ($)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Operating lease, right-of-use asset	$ 5,644
Operating lease, liability	$ 5,713
Number of compensation plans | plan	3
Award vesting period (in years)	4 years
ESPP, market price discount percentage	5.00%
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
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
Accounting Standards Update 2016-02
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Operating lease, right-of-use asset		$ 7,900
Operating lease, liability		$ 8,000

Cash and Cash Equivalents (Deta

Cash and Cash Equivalents (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Cash and Cash Equivalents [Abstract]
Cash and Due From Banks	$ 47,035	$ 56,529
Interest-Bearing Deposits at Banks	23,186	27,710
Total Cash and Cash Equivalents	70,221	84,239	$ 72,838	$ 57,355
Total required reserves, including vault cash and Federal Reserve Bank deposits	$ 35,985	$ 40,677

Investment Securities Schedule

Investment Securities Schedule of Available for Sale Securities (Details) $ in Thousands	Dec. 31, 2019USD ($)position	Dec. 31, 2018USD ($)position
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	$ 356,710	$ 322,491
Available-for-Sale	357,334	317,535
Gross Unrealized Gains	1,904	290
Gross Unrealized Losses	1,280	5,246
Maturities of Debt Securities, at Amortized Cost:
Within One Year	43
From 1 - 5 Years	305,572
From 5 - 10 Years	50,655
Over 10 Years	440
Maturities of Debt Securities, at Fair Value:
Within One Year	44
From 1 - 5 Years	306,688
From 5 - 10 Years	50,162
Over 10 Years	440
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	52,491	107,550
12 Months or Longer	97,964	172,192
Total	$ 150,455	$ 279,742
Number of Securities in a Continuous Loss Position | position	55	97
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 317	$ 841
12 Months or Longer	963	4,405
Total	1,280	5,246
U.S. Treasury and Agency Obligations
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	5,002	47,071
Available-for-Sale	5,054	46,765
Gross Unrealized Gains	52	0
Gross Unrealized Losses	0	306
Maturities of Debt Securities, at Amortized Cost:
Within One Year	0
From 1 - 5 Years	5,002
From 5 - 10 Years	0
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	0
From 1 - 5 Years	5,054
From 5 - 10 Years	0
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	0
12 Months or Longer	0	46,765
Total	$ 0	$ 46,765
Number of Securities in a Continuous Loss Position | position	0	10
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 0
12 Months or Longer	0	306
Total	0	306
U.S. Treasury and Agency Obligations | Agency Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	5,002	47,071
Available-for-Sale	5,054	46,765
State and Municipal Obligations
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	764	1,193
Available-for-Sale	764	1,195
Gross Unrealized Gains	0	2
Gross Unrealized Losses	0	0
Maturities of Debt Securities, at Amortized Cost:
Within One Year	25
From 1 - 5 Years	299
From 5 - 10 Years	0
Over 10 Years	440
Maturities of Debt Securities, at Fair Value:
Within One Year	26
From 1 - 5 Years	298
From 5 - 10 Years	0
Over 10 Years	440
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	0
12 Months or Longer	0	0
Total	$ 0	$ 0
Number of Securities in a Continuous Loss Position | position	0	0
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 0
12 Months or Longer	0	0
Total	0	0
Collateralized Mortgage Backed Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	349,944	273,227
Available-for-Sale	350,716	268,775
Gross Unrealized Gains	1,852	288
Gross Unrealized Losses	1,080	4,740
Maturities of Debt Securities, at Amortized Cost:
Within One Year	18
From 1 - 5 Years	300,271
From 5 - 10 Years	49,655
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	18
From 1 - 5 Years	301,336
From 5 - 10 Years	49,362
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	52,491	107,550
12 Months or Longer	97,164	124,627
Total	$ 149,655	$ 232,177
Number of Securities in a Continuous Loss Position | position	54	86
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 317	$ 841
12 Months or Longer	763	3,899
Total	1,080	4,740
Collateralized Mortgage Backed Securities | US Government Agencies Debt Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	61,102	72,095
Available-for-Sale	60,616	71,800
Collateralized Mortgage Backed Securities | US Government-sponsored Enterprises Debt Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	288,842	201,132
Available-for-Sale	290,100	196,975
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	1,000
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	0
From 1 - 5 Years	0
From 5 - 10 Years	800
Over 10 Years	0
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 | 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		0
Available-for-Sale		0
Gross Unrealized Gains		0
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 | 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	$ 164,426	$ 236,163

Investment Securities Schedul_2

Investment Securities Schedule of Held to Maturity Securities (Details) $ in Thousands	Dec. 31, 2019USD ($)position	Dec. 31, 2018USD ($)position
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	$ 245,065	$ 283,476
Held-To-Maturity Securities, at Fair Value		280,338
Gross Unrealized Gains	4,647	486
Gross Unrealized Losses	94	3,624
Held-To-Maturity Securities, Pledged as Collateral, at Fair Value	237,969	266,341
Maturities of Debt Securities, at Amortized Cost:
Within One Year	20,775
From 1 - 5 Years	148,440
From 5 - 10 Years	74,259
Over 10 Years	1,591
Maturities of Debt Securities, at Fair Value:
Within One Year	20,862
From 1 - 5 Years	150,891
From 5 - 10 Years	76,242
Over 10 Years	1,623
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	1,438	65,402
12 Months or Longer	1,994	124,617
Total	$ 3,432	$ 190,019
Number of Securities in a Continuous Loss Position | position	10	458
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 85	$ 618
12 Months or Longer	9	3,006
Total	94	3,624
State and Municipal Obligations
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	208,243	235,782
Held-To-Maturity Securities, at Fair Value	212,319	233,359
Gross Unrealized Gains	4,170	486
Gross Unrealized Losses	94	2,909
Maturities of Debt Securities, at Amortized Cost:
Within One Year	17,243
From 1 - 5 Years	115,150
From 5 - 10 Years	74,259
Over 10 Years	1,591
Maturities of Debt Securities, at Fair Value:
Within One Year	17,276
From 1 - 5 Years	117,178
From 5 - 10 Years	76,242
Over 10 Years	1,623
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	1,438	32,093
12 Months or Longer	1,994	110,947
Total	$ 3,432	$ 143,040
Number of Securities in a Continuous Loss Position | position	10	411
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 85	$ 162
12 Months or Longer	9	2,747
Total	94	2,909
Collateralized Mortgage Backed Securities
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	36,822	47,694
Held-To-Maturity Securities, at Fair Value	37,299	46,979
Gross Unrealized Gains	477	0
Gross Unrealized Losses	0	715
Maturities of Debt Securities, at Amortized Cost:
Within One Year	3,532
From 1 - 5 Years	33,290
From 5 - 10 Years	0
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	3,586
From 1 - 5 Years	33,713
From 5 - 10 Years	0
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	33,309
12 Months or Longer	0	13,670
Total	$ 0	$ 46,979
Number of Securities in a Continuous Loss Position | position	0	47
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 456
12 Months or Longer	0	259
Total	0	715
Agency Securities | Collateralized Mortgage Backed Securities
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	1,703	2,180
Agency Securities | Collateralized Mortgage Backed Securities | Fair Value, Measurements, Recurring
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Fair Value	1,720	2,143
US Government-sponsored Enterprises Debt Securities | Collateralized Mortgage Backed Securities
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	35,119	45,514
US Government-sponsored Enterprises Debt Securities | Collateralized Mortgage Backed Securities | Fair Value, Measurements, Recurring
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Fair Value	$ 35,579	$ 44,836

Investment Securities Equity Se

Investment Securities Equity Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Investments, Debt and Equity Securities [Abstract]
Equity Securities, at Fair Value	$ 2,063	$ 1,774
Net Gain on Equity Securities	289	213	$ 0
Less: Net gain (loss) recognized during the reporting period on equity securities sold during the period	0	0
Unrealized net gain recognized during the reporting period on equity securities still held at the reporting date	$ 289	$ 213

Investment Securities Schedul_3

Investment Securities Schedule of Federal Reserve Bank and Federal Home Loan Bank Stock (at cost) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Investments, All Other Investments [Abstract]
Federal Reserve Bank Stock	$ 1,138	$ 1,132
Federal Home Loan Bank Stock	9,179	14,374
Total Federal Reserve Bank and Federal Home Loan Bank Stock	$ 10,317	$ 15,506

Loans Categories and Past Due L

Loans Categories and Past Due Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Past Due [Line Items]
Loans receivable, held-for-sale	$ 150	$ 215
Total Loans Past Due	13,606	13,177
Current Loans	2,372,514	2,183,038
Total Loans	2,386,120	2,196,215
Loans 90 or More Days Past Due and Still Accruing Interest	253	1,225
Nonaccrual Loans	4,005	4,159
Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	5,972	5,879
Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	5,035	4,093
Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	2,599	3,205
Commercial
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	213	170
Current Loans	150,447	136,720
Total Loans	150,660	136,890
Loans 90 or More Days Past Due and Still Accruing Interest	0	0
Nonaccrual Loans	81	403
Commercial | Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	150	121
Commercial | Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	42	49
Commercial | Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	21	0
Commercial Real Estate
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	592	897
Current Loans	509,949	483,665
Total Loans	510,541	484,562
Loans 90 or More Days Past Due and Still Accruing Interest	0	0
Nonaccrual Loans	326	789
Commercial Real Estate | Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	0	108
Commercial Real Estate | Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	266	0
Commercial Real Estate | Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	326	789
Other Consumer
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	8,815	8,077
Current Loans	802,383	711,433
Total Loans	811,198	719,510
Loans 90 or More Days Past Due and Still Accruing Interest	0	144
Nonaccrual Loans	663	658
Other Consumer | Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	5,670	5,369
Other Consumer | Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	2,700	2,136
Other Consumer | Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	445	572
Residential Portfolio Segment
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	3,986	4,033
Current Loans	909,735	851,220
Total Loans	913,721	855,253
Loans 90 or More Days Past Due and Still Accruing Interest	253	1,081
Nonaccrual Loans	2,935	2,309
Residential Portfolio Segment | Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	152	281
Residential Portfolio Segment | Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	2,027	1,908
Residential Portfolio Segment | Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	$ 1,807	$ 1,844

Loans Supplemental Information

Loans Supplemental Information (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unamortized deferred loan origination costs, net of deferred loan origination fees, included in the above balances	$ 5,181	$ 4,494
Overdrawn deposit accounts, included in the above balances	2,420	572
Residential real estate loans serviced for Freddie Mac, not included in the balances above	139,094	133,747
Federal Home Loan Bank Advances
Accounts, Notes, Loans and Financing Receivable [Line Items]
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	$ 731,240	$ 550,750

Loans Allowance for Loan Losses

Loans Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Credit Losses, Beginning Balance	$ 20,196	$ 18,586	$ 17,012
Charge-offs	(1,735)	(1,532)	(1,559)
Recoveries	647	535	397
Provision	2,079	2,607	2,736
Allowance for Credit Losses, Ending Balance	21,187	20,196	18,586
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Allowance for loan losses - Loans Individually Evaluated for Impairment	47	4
Allowance for loan losses - Loans Collectively Evaluated for Impairment	21,140	20,192
Ending Loan Balance - Individually Evaluated for Impairment	1,101	3,223
Ending Loan Balance - Collectively Evaluated for Impairment	2,385,019	2,192,992
Commercial
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Credit Losses, Beginning Balance	1,218	1,873	1,017
Charge-offs	(12)	(153)	(2)
Recoveries	98	3	9
Provision	82	(505)	849
Allowance for Credit Losses, Ending Balance	1,386	1,218	1,873
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Allowance for loan losses - Loans Individually Evaluated for Impairment	5	0
Allowance for loan losses - Loans Collectively Evaluated for Impairment	1,381	1,218
Ending Loan Balance - Individually Evaluated for Impairment	35	430
Ending Loan Balance - Collectively Evaluated for Impairment	150,625	136,460
Commercial Real Estate
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Credit Losses, Beginning Balance	5,644	4,504	5,677
Charge-offs	(29)	(17)	(380)
Recoveries	0	12	0
Provision	215	1,145	(793)
Allowance for Credit Losses, Ending Balance	5,830	5,644	4,504
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Allowance for loan losses - Loans Individually Evaluated for Impairment	0	0
Allowance for loan losses - Loans Collectively Evaluated for Impairment	5,830	5,644
Ending Loan Balance - Individually Evaluated for Impairment	0	793
Ending Loan Balance - Collectively Evaluated for Impairment	510,541	483,769
Other Consumer
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Credit Losses, Beginning Balance	8,882	7,604	6,120
Charge-offs	(1,603)	(1,246)	(1,101)
Recoveries	549	520	388
Provision	1,580	2,004	2,197
Allowance for Credit Losses, Ending Balance	9,408	8,882	7,604
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Allowance for loan losses - Loans Individually Evaluated for Impairment	0	0
Allowance for loan losses - Loans Collectively Evaluated for Impairment	9,408	8,882
Ending Loan Balance - Individually Evaluated for Impairment	107	101
Ending Loan Balance - Collectively Evaluated for Impairment	811,091	719,409
Residential Portfolio Segment
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Credit Losses, Beginning Balance	4,452	4,605	4,198
Charge-offs	(91)	(116)	(76)
Recoveries	0	0	0
Provision	202	(37)	483
Allowance for Credit Losses, Ending Balance	4,563	4,452	$ 4,605
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Allowance for loan losses - Loans Individually Evaluated for Impairment	42	4
Allowance for loan losses - Loans Collectively Evaluated for Impairment	4,521	4,448
Ending Loan Balance - Individually Evaluated for Impairment	959	1,899
Ending Loan Balance - Collectively Evaluated for Impairment	$ 912,762	$ 853,354

Loans Credit Quality Indicators

Loans Credit Quality Indicators (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Satisfactory
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, after Allowance for Credit Loss	$ 628,550	$ 586,452
Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, after Allowance for Credit Loss	295	0
Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, after Allowance for Credit Loss	32,356	34,211
Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, after Allowance for Credit Loss	0	789
Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, after Allowance for Credit Loss	1,721,068	1,570,571
Nonperforming
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, after Allowance for Credit Loss	3,851	4,192
Commercial | Satisfactory
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, after Allowance for Credit Loss	144,283	129,584
Commercial | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, after Allowance for Credit Loss	32	0
Commercial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, after Allowance for Credit Loss	6,345	7,306
Commercial | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, after Allowance for Credit Loss	0	0
Commercial Real Estate | Satisfactory
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, after Allowance for Credit Loss	484,267	456,868
Commercial Real Estate | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, after Allowance for Credit Loss	263	0
Commercial Real Estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, after Allowance for Credit Loss	26,011	26,905
Commercial Real Estate | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, after Allowance for Credit Loss	0	789
Other Consumer | Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, after Allowance for Credit Loss	810,535	718,708
Other Consumer | Nonperforming
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, after Allowance for Credit Loss	663	802
Residential Portfolio Segment | Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, after Allowance for Credit Loss	910,533	851,863
Residential Portfolio Segment | Nonperforming
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, after Allowance for Credit Loss	$ 3,188	$ 3,390

Loans Impaired Loans (Details)

Loans Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Recorded Investment:
With No Related Allowance	$ 807	$ 2,929
With a Related Allowance	294	294
Unpaid Principal Balance:
With No Related Allowance	806	2,928
With a Related Allowance	295	293
Average Recorded Balance:
With No Related Allowance	1,869	2,537	$ 2,113
With a Related Allowance	294	920	773
Interest Income Recognized:
With No Related Allowance	9	19	57
With a Related Allowance	0	0	26
Cash Basis Income:
With No Related Allowance	0	0	0
With a Related Allowance	0	0	0
Commercial
Recorded Investment:
With No Related Allowance	0	430
With a Related Allowance	34	0
Unpaid Principal Balance:
With No Related Allowance	0	429
With a Related Allowance	35	0
Average Recorded Balance:
With No Related Allowance	215	215	0
With a Related Allowance	17	243	243
Interest Income Recognized:
With No Related Allowance	0	0	0
With a Related Allowance	0	0	1
Cash Basis Income:
With No Related Allowance	0	0	0
With a Related Allowance	0	0	0
Commercial Real Estate
Recorded Investment:
With No Related Allowance	0	793
With a Related Allowance	0	0
Unpaid Principal Balance:
With No Related Allowance	0	793
With a Related Allowance	0	0
Average Recorded Balance:
With No Related Allowance	397	787	836
With a Related Allowance	0	363	363
Interest Income Recognized:
With No Related Allowance	0	0	34
With a Related Allowance	0	0	2
Cash Basis Income:
With No Related Allowance	0	0	0
With a Related Allowance	0	0	0
Other Consumer
Recorded Investment:
With No Related Allowance	108	101
With a Related Allowance	0	0
Unpaid Principal Balance:
With No Related Allowance	107	100
With a Related Allowance	0	0
Average Recorded Balance:
With No Related Allowance	105	98	93
With a Related Allowance	0	0	0
Interest Income Recognized:
With No Related Allowance	1	1	0
With a Related Allowance	0	0	0
Cash Basis Income:
With No Related Allowance	0	0	0
With a Related Allowance	0	0	0
Residential Portfolio Segment
Recorded Investment:
With No Related Allowance	699	1,605
With a Related Allowance	260	294
Unpaid Principal Balance:
With No Related Allowance	699	1,606
With a Related Allowance	260	293
Average Recorded Balance:
With No Related Allowance	1,152	1,437	1,184
With a Related Allowance	277	314	167
Interest Income Recognized:
With No Related Allowance	8	18	23
With a Related Allowance	0	0	23
Cash Basis Income:
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, 2019USD ($)contractloanportfolio_category	Dec. 31, 2018USD ($)contractloan	Dec. 31, 2017USD ($)contractloan
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loan portfolio categories | portfolio_category	4
Number of Loans | loan	6	6	8
Pre-Modification Outstanding Recorded Investment	$ 68	$ 82	$ 1,279
Post-Modification Outstanding Recorded Investment	$ 68	$ 82	$ 1,279
Subsequent Default, Number of Contracts | contract	0	0	0
Subsequent Default, Recorded Investment	$ 0	$ 0	$ 0
Commitments to lend additional funds to modified loans	$ 0	$ 0	$ 0
Commercial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	0	1	1
Pre-Modification Outstanding Recorded Investment	$ 0	$ 38	$ 503
Post-Modification Outstanding Recorded Investment	$ 0	$ 38	$ 503
Subsequent Default, Number of Contracts | contract	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, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	0	0	1
Pre-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 725
Post-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 725
Subsequent Default, Number of Contracts | contract	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, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	6	5	6
Pre-Modification Outstanding Recorded Investment	$ 68	$ 44	$ 51
Post-Modification Outstanding Recorded Investment	$ 68	$ 44	$ 51
Subsequent Default, Number of Contracts | contract	0	0	0
Subsequent Default, Recorded Investment	$ 0	$ 0	$ 0
Commitments to lend additional funds to modified loans	$ 0	$ 0	$ 0
Other Consumer | Minimum
Financing Receivable, Troubled Debt Restructuring [Line Items]
Principal repayment terms, period	1 year
Other Consumer | Maximum
Financing Receivable, Troubled Debt Restructuring [Line Items]
Principal repayment terms, period	5 years
Residential Portfolio Segment
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	0	0	0
Pre-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0
Post-Modification Outstanding Recorded Investment	$ 0	$ 0	$ 0
Subsequent Default, Number of Contracts | contract	0	0	0
Subsequent Default, Recorded Investment	$ 0	$ 0	$ 0
Commitments to lend additional funds to modified loans	$ 0	$ 0	$ 0
Automobile Loan | Minimum
Financing Receivable, Troubled Debt Restructuring [Line Items]
Principal repayment terms, period	3 years
Automobile Loan | Maximum
Financing Receivable, Troubled Debt Restructuring [Line Items]
Principal repayment terms, period	7 years

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Property, Plant and Equipment [Line Items]
Total Cost	$ 73,629	$ 67,123
Accumulated Depreciation and Amortization	(38,171)	(36,677)
Net Owned Premises and Equipment	35,458	30,446
Leased Assets	5,171
Net Premises and Equipment	40,629
Land and Bank Premises
Property, Plant and Equipment [Line Items]
Total Cost	39,342	35,010
Equipment, Furniture and Fixtures
Property, Plant and Equipment [Line Items]
Total Cost	30,529	30,192
Leasehold Improvements
Property, Plant and Equipment [Line Items]
Total Cost	$ 3,758	$ 1,921

Premises and Equipment Suppleme

Premises and Equipment Supplemental Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Property, Plant and Equipment [Abstract]
Depreciation	$ 2,211	$ 1,891	$ 1,921

Other Intangible Assets Schedul

Other Intangible Assets Schedule of Finite-Lived Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2019	Dec. 31, 2018
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount				$ 8,858	$ 8,690
Accumulated Amortization				(7,197)	(6,838)
Net Carrying Amount	$ 1,661	$ 1,852	$ 2,289	1,661	1,852
Rollforward of Intangible Assets:
Beginning balance	1,852	2,289	2,696
Intangible Assets Acquired	168	0	93
Intangible Assets Disposed	0	0	0
Amortization of Intangible Assets	(359)	(437)	(500)
Ending balance	1,661	1,852	2,289
Depositor Intangibles
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount				2,247	2,247
Accumulated Amortization				(2,247)	(2,247)
Net Carrying Amount	0	0	0	0	0
Rollforward of Intangible Assets:
Beginning balance	0	0	0
Intangible Assets Acquired	0	0	0
Intangible Assets Disposed	0	0	0
Amortization of Intangible Assets	0	0	0
Ending balance	0	0	0
Mortgage Servicing Rights
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount				2,229	2,061
Accumulated Amortization				(1,913)	(1,799)
Net Carrying Amount	316	262	437	316	262
Rollforward of Intangible Assets:
Beginning balance	262	437	565
Intangible Assets Acquired	168	0	93
Intangible Assets Disposed	0	0	0
Amortization of Intangible Assets	(114)	(175)	(221)
Ending balance	316	262	437
Customer Intangibles
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount				4,382	4,382
Accumulated Amortization				(3,037)	(2,792)
Net Carrying Amount	1,345	1,590	1,852	$ 1,345	$ 1,590
Rollforward of Intangible Assets:
Beginning balance	1,590	1,852	2,131
Intangible Assets Acquired	0	0	0
Intangible Assets Disposed	0	0	0
Amortization of Intangible Assets	(245)	(262)	(279)
Ending balance	$ 1,345	$ 1,590	$ 1,852

Other Intangible Assets Sched_2

Other Intangible Assets Schedule of Finite-Lived Intangible Assets, Future Amortization Expense (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Estimated Annual Amoritzation Expense: [Abstract]
2020	$ 327
2021	289
2022	250
2023	213
2024	182
2025 and beyond	400
Net Carrying Amount	1,661	$ 1,852	$ 2,289	$ 2,696
Mortgage Servicing Rights
Estimated Annual Amoritzation Expense: [Abstract]
2020	99
2021	78
2022	57
2023	37
2024	27
2025 and beyond	18
Net Carrying Amount	316	262	437	565
Customer Intangibles
Estimated Annual Amoritzation Expense: [Abstract]
2020	228
2021	211
2022	193
2023	176
2024	155
2025 and beyond	382
Net Carrying Amount	$ 1,345	$ 1,590	$ 1,852	$ 2,131

Commitments and Contingencies_2

Commitments and Contingencies (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Guarantor Obligations [Line Items]
Commitments to Extend Credit, Notional Amount	$ 349,718	$ 321,143
Standby Letters of Credit, Notional Amount	3,129	4,466
Commitments to Extend Credit, Fair Value	0	0
Fair Value Disclosure, Letters of Credit Outstanding, Amount	$ 31	$ 12
Minimum
Guarantor Obligations [Line Items]
Letter of credit, fee percentage	1.00%
Maximum
Guarantor Obligations [Line Items]
Letter of credit, fee percentage	3.00%

Commitments and Contingencies -

Commitments and Contingencies - Derivatives Not Designated as Hedging Instruments, Interest Rate Swap Agreements (Details) - Not Designated as Hedging Instrument - Interest Rate Swap - USD ($)	Dec. 31, 2019	Dec. 31, 2018
Derivative [Line Items]
Notional amount	$ 44,531,000	$ 0
Other Assets
Derivative [Line Items]
Fair value adjustment included in other assets	69,000	0
Other Liabilities
Derivative [Line Items]
Fair value adjustment included in other liabilities	$ 69,000	$ 0

Time Deposits (Details)

Time Deposits (Details) $ in Thousands	Dec. 31, 2019USD ($)
Maturities of Time Deposits [Abstract]
2020	$ 314,068
2021	44,620
2022	11,975
2023	5,040
2024	6,253
2025 and beyond	13,365
Total	$ 395,321

Debt Schedule of Short Term Deb

Debt Schedule of Short Term Debt (Details) - USD ($)	Dec. 31, 2019	Dec. 31, 2018
Short-term Debt [Line Items]
Federal Home Loan Bank Overnight Advances	$ 130,000,000	$ 234,000,000
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	51,099,000	54,659,000
Short-term Borrowings	181,099,000	288,659,000
Federal Funds Purchased
Short-term Debt [Line Items]
Maximum Borrowing Capacity	67,000,000	57,000,000
Overnight Advances from the Federal Home Loan Bank of New York
Short-term Debt [Line Items]
Federal Home Loan Bank of New York	731,240,000	550,750,000
Federal Reserve Bank of New York
Short-term Debt [Line Items]
Maximum Borrowing Capacity	$ 583,369,000	$ 489,809,000

Debt - Narrative (Details)

Debt - Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)banksubsidiary_business_trustsclasses	Dec. 31, 2018USD ($)
Debt Instrument [Line Items]
Securities sold under agreements to repurchase | $	$ 62,372	$ 65,469
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]
Basis spread on variable rate	2.00%
Junior Subordinated Debt, Preferred Securities | ACST II | London Interbank Offered Rate (LIBOR)
Debt Instrument [Line Items]
Basis spread on variable rate	3.15%
Subsidiaries
Debt Instrument [Line Items]
Line of credit, number of banks | bank	3

Debt Investment Securities at F

Debt Investment Securities at Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Debt Instrument [Line Items]
Securities sold under agreements to repurchase	$ 62,372	$ 65,469
U.S. Treasury and Agency Obligations
Debt Instrument [Line Items]
Securities sold under agreements to repurchase	0	22,314
Collateralized Mortgage Backed Securities
Debt Instrument [Line Items]
Securities sold under agreements to repurchase	$ 62,372	$ 43,155

Debt Maturities of Long Term De

Debt Maturities of Long Term Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Balances
First Year	$ 25,000	$ 20,000
Second Year	0	25,000
Third Year	5,000	0
Fourth Year	0	0
Fifth Year	0	0
Total	$ 30,000	$ 45,000
Weighted Average Rate
First Year	2.02%	1.70%
Second Year	0.00%	2.02%
Third Year	1.81%	0.00%
Fourth Year	0.00%	0.00%
Fifth Year	0.00%	0.00%
Total	1.98%	1.88%

Debt Schedule of Long-term Debt

Debt Schedule of Long-term Debt instruments (Details) - Junior Subordinated Debt - USD ($)	Dec. 31, 2019	Dec. 31, 2018
ACST II
Debt Instrument [Line Items]
Face amount	$ 10,000,000	$ 10,000,000
Period-End Interest Rate	5.25%	5.55%
ACST III
Debt Instrument [Line Items]
Face amount	$ 10,000,000	$ 10,000,000
Period-End Interest Rate	4.10%	4.40%

Comprehensive Income (Loss), _3

Comprehensive Income (Loss), Net of Tax - Other Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Before-Tax Amount
Other comprehensive income (loss)	$ 9,993	$ (6,657)	$ (370)
Tax Expense (Benefit)
Other comprehensive income (loss)	(2,540)	1,692	335
Net-of-Tax Amount
Net Unrealized Securities Holding Gains Arising During the Period	6,776	(5,287)	(726)
Amortization of Net Retirement Plan	677	322	691
Other comprehensive income (loss)	7,453	(4,965)	(35)
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent
Before-Tax Amount
Net Unrealized Securities Holding Gains Arising During the Period	5,580	(2,839)	(1,505)
Amortization of Net Retirement Plan			448
Tax Expense (Benefit)
Net Unrealized Securities Holding Gains Arising During the Period	(1,418)	723	565
Amortization of Net Retirement Plan			(111)
Net-of-Tax Amount
Net Unrealized Securities Holding Gains Arising During the Period	4,162	(2,116)	(940)
Amortization of Net Retirement Plan		0	337
Accumulated Defined Benefit Plans Adjustment, Net Unamortized Gain (Loss) Attributable to Parent
Before-Tax Amount
Net Unrealized Securities Holding Gains Arising During the Period	3,505	(3,798)	287
Amortization of Net Retirement Plan	684	325	411
Tax Expense (Benefit)
Net Unrealized Securities Holding Gains Arising During the Period	(891)	965	(73)
Amortization of Net Retirement Plan	(174)	(83)	(49)
Net-of-Tax Amount
Net Unrealized Securities Holding Gains Arising During the Period	2,614	(2,833)	214
Amortization of Net Retirement Plan	510	242	362
Accumulated Defined Benefit Plans Adjustment, Net Prior Service Including Portion Attributable to Noncontrolling Interest
Before-Tax Amount
Net Retirement Plan Prior Service Credit		(453)
Amortization of Net Retirement Plan	224	108	(11)
Tax Expense (Benefit)
Net Unrealized Securities Holding Gains Arising During the Period		115
Amortization of Net Retirement Plan	(57)	(28)	3
Net-of-Tax Amount
Net Retirement Plan Prior Service Credit		(338)
Amortization of Net Retirement Plan	$ 167	$ 80	$ (8)

Comprehensive Income (Loss), _4

Comprehensive Income (Loss), Net of Tax - Changes in Accumulated Other Comprehensive Income By Component (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Jan. 01, 2017
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	$ 269,584	$ 249,603	$ 232,852
Other comprehensive income before reclassifications	6,776	(5,287)	(726)
Amounts reclassified from accumulated other comprehensive income	677	322	691
Other Comprehensive Income (Loss)	7,453	(4,965)	(35)
Amounts reclassified from accumulated other comprehensive loss		(331)
Ending balance	301,728	269,584	249,603
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(3,697)	(1,250)	(382)
Other comprehensive income before reclassifications	4,162	(2,116)	(940)
Amounts reclassified from accumulated other comprehensive income		0	337
Other Comprehensive Income (Loss)	4,162	(2,116)	(603)
Amounts reclassified from accumulated other comprehensive loss		(331)
Ending balance	465	(3,697)	(1,250)
Accumulated Defined Benefit Plans Adjustment, Net Unamortized Gain (Loss) Attributable to Parent
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(8,971)	(6,380)	(5,737)
Other comprehensive income before reclassifications	2,614	(2,833)	214
Amounts reclassified from accumulated other comprehensive income	510	242	362
Other Comprehensive Income (Loss)	3,124	(2,591)	576
Amounts reclassified from accumulated other comprehensive loss		0
Ending balance	(5,847)	(8,971)	(6,380)
Accumulated Defined Benefit Plans Adjustment, Net Prior Service Attributable to Parent
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(1,142)	(884)	(715)
Other comprehensive income before reclassifications	0	(338)	0
Amounts reclassified from accumulated other comprehensive income	167	80	(8)
Other Comprehensive Income (Loss)	167	(258)	(8)
Amounts reclassified from accumulated other comprehensive loss		0
Ending balance	(975)	(1,142)	(884)
Accumulated Other Comprehensive Income (Loss)
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(13,810)	(8,514)	(6,834)
Other Comprehensive Income (Loss)	7,453	(4,965)	(35)
Ending balance	$ (6,357)	$ (13,810)	$ (8,514)
Accounting Standards Update 2018-02 | AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Impact of ASU adoption				$ (265)
Accounting Standards Update 2018-02 | Accumulated Defined Benefit Plans Adjustment, Net Unamortized Gain (Loss) Attributable to Parent
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Impact of ASU adoption				(1,219)
Accounting Standards Update 2018-02 | Accumulated Defined Benefit Plans Adjustment, Net Prior Service Attributable to Parent
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Impact of ASU adoption				(161)
Accounting Standards Update 2018-02 | Accumulated Other Comprehensive Income (Loss)
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Impact of ASU adoption				$ (1,645)

Comprehensive Income (Loss), _5

Comprehensive Income (Loss), Net of Tax - Reclassification Out of Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Total before tax	$ 47,075	$ 45,305	$ 39,855
Provision for Income Taxes	(9,600)	(9,026)	(10,529)
Net of tax	(677)	(322)	(691)
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent | Reclassification out of Accumulated Other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Loss on Securities Transactions, Net	0	0	(448)
Total before tax	0	0	(448)
Provision for Income Taxes	0	0	111
Net of tax	0	0	(337)
Accumulated Defined Benefit Plans Adjustment, Net Prior Service Attributable to Parent | Reclassification out of Accumulated Other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Prior-service costs	(224)	(108)	11
Accumulated Defined Benefit Plans Adjustment, Net Unamortized Gain (Loss) Attributable to Parent | Reclassification out of Accumulated Other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Prior-service costs	(684)	(325)	(411)
Accumulated Defined Benefit Plans Adjustment Attributable to Parent | Reclassification out of Accumulated Other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Provision for Income Taxes	231	111	46
Net of tax	(677)	(322)	(354)
Actuarial gains/(losses)	$ (908)	$ (433)	$ (400)

Stock Based Compensation Narrat

Stock Based Compensation Narrative (Details) - plan	12 Months Ended
	Dec. 31, 2019	Sep. 27, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of compensation plans	3
Stock dividend, percent	3.00%	300.00%	3.00%	3.00%
Expiration period (in years)	10 years
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%

Stock Based Compensation Roll F

Stock Based Compensation Roll Forward Schedule of Stock Option Plan by Shares and Weighted Average Exercise Prices (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Payment Arrangement [Abstract]
Shares Available for Grant at Period-End (in shares)		225,485
Shares
Outstanding, Beginning Balance (in shares)	293,058
Granted (in shares)	53,560	55,069.98	59,008.7
Exercised (in shares)	(86,508)
Forfeited (in shares)	(18,868)
Outstanding, Ending Balance (in shares)	241,242	293,058
Exercisable (in shares)	126,081
Vested and Expected to Vest (in shares)	115,161
Weighted Average Exercise Price
Beginning balance (in dollars per share)	$ 24.92
Granted (in dollars per share)	30.79
Exercised (in dollars per share)	20.69
Forfeited (in dollars per share)	25.83
Ending balance (in dollars per share)	27.58	$ 24.92
Exercisable (in dollars per share)	24.71
Vested and Expected to Vest (in dollars per share)	$ 30.72
Weighted Average Remaining Contractual Life (in years)
Outstanding (in years)	6 years 6 months 1 day
Exercisable (in years)	4 years 11 months 15 days
Vested and Expected to Vest (in years)	8 years 2 months 10 days
Aggregate Intrinsic Value
Outstanding	$ 2,465
Exercisable	1,649
Vested and Expected to Vest	$ 816

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, 2019$ / sharesshares
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Number of Stock Options Outstanding (in shares) | shares	241,242
Weighted-Average Remaining Contractual Life (in years)	6 years 6 months 1 day
Weighted-Average Exercise Price (in dollars per share)	$ 27.58
Number of Stock Options Outstanding (in shares) | shares	126,081
Weighted-Average Remaining Contractual Life (in years)	4 years 11 months 15 days
Weighted-Average Exercise Price (in dollars per share)	$ 24.71
Exercise Price Range $19.01
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Number of Stock Options Outstanding (in shares) | shares	1,872
Weighted-Average Remaining Contractual Life (in years)	28 days
Weighted-Average Exercise Price (in dollars per share)	$ 19.01
Number of Stock Options Outstanding (in shares) | shares	1,872
Weighted-Average Remaining Contractual Life (in years)	28 days
Weighted-Average Exercise Price (in dollars per share)	$ 19.01
Exercise Price Range $20.29 to $20.87
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Number of Stock Options Outstanding (in shares) | shares	27,325
Weighted-Average Remaining Contractual Life (in years)	1 year 11 months 1 day
Weighted-Average Exercise Price (in dollars per share)	$ 20.57
Number of Stock Options Outstanding (in shares) | shares	27,325
Weighted-Average Remaining Contractual Life (in years)	1 year 11 months 1 day
Weighted-Average Exercise Price (in dollars per share)	$ 20.57
Exercise Price Range $21.35
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Number of Stock Options Outstanding (in shares) | shares	20,338
Weighted-Average Remaining Contractual Life (in years)	4 years 30 days
Weighted-Average Exercise Price (in dollars per share)	$ 21.35
Number of Stock Options Outstanding (in shares) | shares	20,338
Weighted-Average Remaining Contractual Life (in years)	4 years 30 days
Weighted-Average Exercise Price (in dollars per share)	$ 21.35
Exercise Price Range $22.51 to $22.97
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Number of Stock Options Outstanding (in shares) | shares	52,385
Weighted-Average Remaining Contractual Life (in years)	5 years 7 months 27 days
Weighted-Average Exercise Price (in dollars per share)	$ 22.78
Number of Stock Options Outstanding (in shares) | shares	42,672
Weighted-Average Remaining Contractual Life (in years)	5 years 6 months 22 days
Weighted-Average Exercise Price (in dollars per share)	$ 22.73
Exercise Price Range $30.79 to $30.91
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Number of Stock Options Outstanding (in shares) | shares	98,614
Weighted-Average Remaining Contractual Life (in years)	8 years 7 months 10 days
Weighted-Average Exercise Price (in dollars per share)	$ 30.85
Number of Stock Options Outstanding (in shares) | shares	12,570
Weighted-Average Remaining Contractual Life (in years)	8 years 1 month 2 days
Weighted-Average Exercise Price (in dollars per share)	$ 30.91
Exercise Price Range $34.05
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Number of Stock Options Outstanding (in shares) | shares	40,708
Weighted-Average Remaining Contractual Life (in years)	7 years 26 days
Weighted-Average Exercise Price (in dollars per share)	$ 34.05
Number of Stock Options Outstanding (in shares) | shares	21,304
Weighted-Average Remaining Contractual Life (in years)	7 years 26 days
Weighted-Average Exercise Price (in dollars per share)	$ 34.05
Minimum | Exercise Price Range $20.29 to $20.87
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	20.29
Minimum | Exercise Price Range $22.51 to $22.97
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	22.51
Minimum | Exercise Price Range $30.79 to $30.91
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	30.79
Maximum | Exercise Price Range $20.29 to $20.87
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	20.87
Maximum | Exercise Price Range $22.51 to $22.97
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	22.97
Maximum | Exercise Price Range $30.79 to $30.91
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 30.91

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, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Stock Options Granted (in shares)	53,560	55,069.98	59,008.7
Fair Value of Options Granted, Weighted Average Grant Date (in dollars per share)	$ 5.58	$ 5.43	$ 5.89
Dividend Yield	3.26%	2.98%	2.72%
Expected Volatility	22.58%	21.55%	21.40%
Risk Free Interest Rate	2.63%	2.68%	2.25%
Expected Lives (in years)	8 years 8 months 5 days	6 years 11 months 23 days	6 years 10 months 17 days
Amount Expensed During the Year	$ 316	$ 322	$ 351
Compensation Costs for Non-vested Awards Not Yet Recognized	$ 487	$ 504	$ 528
Weighted Average Expected Vesting Period (in years)	2 years 26 days	2 years 8 months 27 days	2 years 7 months 2 days
Proceeds From Stock Options Exercised	$ 1,792	$ 2,255	$ 1,190
Tax Benefits Related to Stock Options Exercised	227	240	168
Intrinsic Value of Stock Options Exercised	$ 1,073	$ 1,552	$ 825

Stock Based Compensation Restri

Stock Based Compensation Restricted Stock Units Information (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Weighted Average Grant Date Fair Value
Amount Expensed During the Year	$ 391	$ 356	$ 351
Restricted Stock Units (RSUs)
Restricted Stock Units
Beginning balance, nonvested (in shares)	3,478	0
Granted (in shares)	4,018	3,478.31
Vested (in shares)	0	0
Canceled (in shares)	0	0
Ending balance, nonvested (in shares)	7,496	3,478	0
Weighted Average Grant Date Fair Value
Beginning balance, nonvested (in dollars per share)	$ 31.62	$ 0
Granted (in dollars per share)	30.79	31.62
Vested (in dollars per share)	0
Canceled (in dollars per share)	0
Ending balance, nonvested (in dollars per share)	$ 31.18	$ 31.62	$ 0
Amount Expensed During the Year	$ 75	$ 34
Compensation Costs for Non-vested Awards Not Yet Recognized	$ 126	$ 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, 2019	Dec. 31, 2018	Dec. 31, 2017
Employee Stock Ownership Plan (ESOP), Shares in ESOP [Abstract]
ESOP Compensation Expense	$ 1,368	$ 1,400	$ 1,400
Allocated Shares (in shares)	759,321
Shares Released for Allocation During 2019 (in shares)	5,151
Unallocated Shares (in shares)	0
Total ESOP Shares (in shares)	764,472
Market Value of Unallocated ESOP Shares

Retirement Benefit Plans (Detai

Retirement Benefit Plans (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2019		Dec. 31, 2018
Defined Benefit Plan Disclosure [Line Items]
Interest Credit Under Cash Balance Plan		0.03
Employer matching contribution, percent of match, maximum		5.00%
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		$ 57,051	$ 48,445		$ 57,051		$ 48,445
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		48,445
Fair Value of Plan Assets, End of Period		57,051	48,445
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		$ 57,051	$ 48,445		$ 57,051		$ 48,445
Percent of Total					100.00%		100.00%
Expected Future Benefit Payments
Health Care Cost Trend Rate Assumed for Next Year					6.75%		7.00%
Rate to which the Cost Trend Rate is Assumed to Decline (the Ultimate Trend Rate)					3.78%		3.78%
Year that the Rate Reaches the Ultimate Trend Rate		2075	2075
Effect of a One Percentage Point Increase on Service and Interest Cost Components		$ 43
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		550
Effect of a One Percentage Point Decrease on Accumulated Postretirement Benefit Obligation		(477)
Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		57,051	$ 48,445		$ 57,051		$ 48,445
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		48,445
Fair Value of Plan Assets, End of Period		57,051	48,445
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		57,051	48,445		57,051		48,445
Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0	0		0		0
Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0	0		0		0
Cash
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0	0		$ 0		$ 0
Percent of Total					0.00%		0.00%
Cash | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0	0		$ 0		$ 0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0	0		0		0
Cash | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0	0		0		0
Cash | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0	0		0		0
Interest-Bearing Money Market Fund
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		2,742	3,310		2,742		3,310
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		3,310
Fair Value of Plan Assets, End of Period		2,742	3,310
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		2,742	3,310		$ 2,742		$ 3,310
Percent of Total					4.80%		6.80%
Interest-Bearing Money Market Fund | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		2,742	3,310		$ 2,742		$ 3,310
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		3,310
Fair Value of Plan Assets, End of Period		2,742	3,310
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		2,742	3,310		2,742		3,310
Interest-Bearing Money Market Fund | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0	0		0		0
Interest-Bearing Money Market Fund | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0	0		0		0
Common Stock
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		6,542	5,381		6,542		5,381
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		5,381
Fair Value of Plan Assets, End of Period		6,542	5,381
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		6,542	5,381		$ 6,542		$ 5,381
Percent of Total					11.50%	[1]	11.10%
Common Stock | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		6,542	5,381		$ 6,542		$ 5,381
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		5,381
Fair Value of Plan Assets, End of Period		6,542	5,381
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		6,542	5,381		6,542		5,381
Common Stock | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0	0		0		0
Common Stock | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0	0		0		0
North Country Funds - Equity
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	[2]	21,209	16,629		21,209		16,629
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	[2]	16,629
Fair Value of Plan Assets, End of Period	[2]	21,209	16,629
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	[2]	21,209	16,629		$ 21,209		$ 16,629
Percent of Total	[2]				37.20%		34.30%
North Country Funds - Equity | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	[2]	21,209	16,629		$ 21,209		$ 16,629
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	[2]	16,629
Fair Value of Plan Assets, End of Period	[2]	21,209	16,629
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	[2]	21,209	16,629		21,209		16,629
North Country Funds - Equity | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	[2]	0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	[2]	0
Fair Value of Plan Assets, End of Period	[2]	0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	[2]	0	0		0		0
North Country Funds - Equity | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	[2]	0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	[2]	0
Fair Value of Plan Assets, End of Period	[2]	0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	[2]	0	0		0		0
Other Mutual Funds - Equity
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		15,868	13,081		15,868		13,081
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		13,081
Fair Value of Plan Assets, End of Period		15,868	13,081
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		15,868	13,081		$ 15,868		$ 13,081
Percent of Total					27.80%		27.00%
Other Mutual Funds - Equity | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		15,868	13,081		$ 15,868		$ 13,081
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		13,081
Fair Value of Plan Assets, End of Period		15,868	13,081
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		15,868	13,081		15,868		13,081
Other Mutual Funds - Equity | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0	0		0		0
Other Mutual Funds - Equity | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0	0		0		0
Equity Funds
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		37,077	29,710		37,077		29,710
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		29,710
Fair Value of Plan Assets, End of Period		37,077	29,710
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		37,077	29,710		$ 37,077		$ 29,710
Percent of Total					65.00%		61.30%
Equity Funds | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		37,077	29,710		$ 37,077		$ 29,710
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		29,710
Fair Value of Plan Assets, End of Period		37,077	29,710
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		37,077	29,710		37,077		29,710
Equity Funds | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0	0		0		0
Equity Funds | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0	0		0		0
North Country Funds - Fixed Income
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	[2]	8,692	8,124		8,692		8,124
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	[2]	8,124
Fair Value of Plan Assets, End of Period	[2]	8,692	8,124
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	[2]	8,692	8,124		$ 8,692		$ 8,124
Percent of Total	[2]				15.20%		16.80%
North Country Funds - Fixed Income | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	[2]	8,692	8,124		$ 8,692		$ 8,124
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	[2]	8,124
Fair Value of Plan Assets, End of Period	[2]	8,692	8,124
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	[2]	8,692	8,124		8,692		8,124
North Country Funds - Fixed Income | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	[2]	0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	[2]	0
Fair Value of Plan Assets, End of Period	[2]	0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	[2]	0	0		0		0
North Country Funds - Fixed Income | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	[2]	0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	[2]	0
Fair Value of Plan Assets, End of Period	[2]	0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	[2]	0	0		0		0
Other Mutual Funds - Fixed Income
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		793	1,920		793		1,920
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		1,920
Fair Value of Plan Assets, End of Period		793	1,920
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		793	1,920		$ 793		$ 1,920
Percent of Total					1.40%		4.00%
Other Mutual Funds - Fixed Income | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		793	1,920		$ 793		$ 1,920
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		1,920
Fair Value of Plan Assets, End of Period		793	1,920
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		793	1,920		793		1,920
Other Mutual Funds - Fixed Income | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0	0		0		0
Other Mutual Funds - Fixed Income | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0	0		0		0
Fixed Income Funds
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		9,485	10,044		9,485		10,044
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		10,044
Fair Value of Plan Assets, End of Period		9,485	10,044
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		9,485	10,044		$ 9,485		$ 10,044
Percent of Total					16.60%		20.80%
Fixed Income Funds | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		9,485	10,044		$ 9,485		$ 10,044
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		10,044
Fair Value of Plan Assets, End of Period		9,485	10,044
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		9,485	10,044		9,485		10,044
Fixed Income Funds | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0	0		0		0
Fixed Income Funds | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0	0		0		0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		0
Fair Value of Plan Assets, End of Period		0	0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0	0		0		0
Alternative ETF
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		1,205			1,205
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, End of Period		1,205
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		1,205			$ 1,205
Percent of Total					2.10%
Alternative ETF | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		1,205			$ 1,205
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, End of Period		1,205
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		1,205			1,205
Alternative ETF | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0			0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, End of Period		0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0			0
Alternative ETF | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0			0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, End of Period		0
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0			$ 0
Employees' Pension Plan
Defined Benefit Plan Disclosure [Line Items]
Assumptions used calculating benefit obligation, interest rate to annuitize cash balance account					2.04%
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		57,051	48,445	$ 53,571	$ 57,051		48,445
Benefit Obligation		42,322	38,069	38,921	42,322		38,069
Funded Status of Plan					14,729		10,376
Change in Benefit Obligation
Benefit Obligation, Beginning of Period		38,069	38,921
Service Cost		1,527	1,557	1,392
Interest Cost		1,765	1,598	1,682
Plan Participants' Contributions		0	0
Amendments			0
Actuarial Loss		2,960	(795)
Benefits Paid		(1,999)	(3,212)
Benefit Obligation, End of Period		42,322	38,069	38,921
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		48,445	53,571
Actual Return on Plan Assets		10,605	(1,914)
Employer Contributions		0	0
Plan Participants' Contributions		0	0
Benefits Paid		(1,999)	(3,212)
Fair Value of Plan Assets, End of Period		57,051	48,445	53,571
Accumulated Benefit Obligation at December 31, 2019					42,041
Amounts Recognized in the Consolidated Balance Sheets
Prepaid Pension Asset					14,729		10,376
Accrued Benefit Liability					0		0
Net Benefit Recognized					14,729		10,376
Amounts Recognized in Other Comprehensive Income (Loss)
Net Unamortized (Gain) Loss Arising During the Period		(4,584)	4,480	(517)
Net Prior Service Cost Arising During the Period			0	0
Amortization of Net Loss		(613)	(194)	(306)
Accretion of Net Retirement Plan Prior Service Credit, Tax (Expense) Benefit		(69)	49	57
Total Other Comprehensive (Loss) Income for Pension and Other Postretirement Benefit Plans		(5,266)	4,335	(766)
Accumulated Other Comprehensive Income
Net Actuarial Loss (Gains)					5,745		10,942
Prior Service Cost					244		313
Total Accumulated Other Comprehensive Income, Before Tax					5,989		$ 11,255
Amounts that will be Amortized from Accumulated Other Comprehensive Income the Next Year
Net Actuarial Loss					4
Prior Service Cost					$ 63
Net Periodic Benefit Cost
Service Cost		1,527	1,557	1,392
Interest Cost		1,765	1,598	1,682
Expected Return on Plan Assets		(3,060)	(3,362)	(3,141)
Amortization of Prior Service (Credit) Cost		69	(49)	(57)
Amortization of Net Loss		613	194	306
Net Periodic Benefit Cost		$ 914	$ (62)	$ 182
Weighted-Average Assumptions Used in Calculating Benefit Obligation
Discount Rate					3.72%		4.81%
Rate of Compensation Increase					3.50%		3.50%
Interest Rate Credit for Determining Projected Cash Balance Account					3.00%		3.36%
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Discount Rate		4.81%	4.24%	4.83%
Expected Long-Term Return on Plan Assets		6.50%	6.50%	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%	3.00%
Interest Rate to Annuitize Cash Balance Account				4.50%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts				4.50%
Fair Value of Plan Assets		$ 57,051	$ 48,445	$ 53,571	$ 57,051		$ 48,445
Expected Future Benefit Payments
2020					2,975
2021					2,527
2022					2,808
2023					3,048
2024					2,922
2025- 2029					14,571
Estimated Contributions During 2020					$ 0
Select Executive Retirement Plan
Defined Benefit Plan Disclosure [Line Items]
Assumptions used calculating benefit obligation, interest rate to annuitize cash balance account					3.09%
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0	0	0	$ 0		0
Benefit Obligation		5,194	4,710	4,586	5,194		4,710
Funded Status of Plan					(5,194)		(4,710)
Change in Benefit Obligation
Benefit Obligation, Beginning of Period		4,710	4,586
Service Cost		324	414	45
Interest Cost		217	192	209
Plan Participants' Contributions		0	0
Amendments			0
Actuarial Loss		409	(17)
Benefits Paid		(466)	(465)
Benefit Obligation, End of Period		5,194	4,710	4,586
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		0	0
Actual Return on Plan Assets		0	0
Employer Contributions		466	465
Plan Participants' Contributions		0	0
Benefits Paid		(466)	(465)
Fair Value of Plan Assets, End of Period		0	0	0
Accumulated Benefit Obligation at December 31, 2019					5,125
Amounts Recognized in the Consolidated Balance Sheets
Prepaid Pension Asset					0		0
Accrued Benefit Liability					(5,194)		(4,710)
Net Benefit Recognized					(5,194)		(4,710)
Amounts Recognized in Other Comprehensive Income (Loss)
Net Unamortized (Gain) Loss Arising During the Period		409	(17)	244
Net Prior Service Cost Arising During the Period			0	0
Amortization of Net Loss		(113)	(131)	(129)
Accretion of Net Retirement Plan Prior Service Credit, Tax (Expense) Benefit		(54)	(57)	(57)
Total Other Comprehensive (Loss) Income for Pension and Other Postretirement Benefit Plans		242	(205)	58
Accumulated Other Comprehensive Income
Net Actuarial Loss (Gains)					2,275		1,979
Prior Service Cost					378		432
Total Accumulated Other Comprehensive Income, Before Tax					2,653		$ 2,411
Amounts that will be Amortized from Accumulated Other Comprehensive Income the Next Year
Net Actuarial Loss					132
Prior Service Cost					$ 42
Net Periodic Benefit Cost
Service Cost		324	414	45
Interest Cost		217	192	209
Expected Return on Plan Assets		0	0	0
Amortization of Prior Service (Credit) Cost		54	57	57
Amortization of Net Loss		113	131	129
Net Periodic Benefit Cost		$ 708	$ 794	$ 440
Weighted-Average Assumptions Used in Calculating Benefit Obligation
Discount Rate					3.75%		4.80%
Rate of Compensation Increase					3.50%		3.50%
Interest Rate Credit for Determining Projected Cash Balance Account					3.00%		3.36%
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Discount Rate		4.80%	4.18%	4.73%
Rate of Compensation Increase		3.50%	3.50%	3.50%
Interest Rate Credit for Determining Projected Cash Balance Account		3.00%	3.00%	3.00%
Interest Rate to Annuitize Cash Balance Account				4.50%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts				4.50%
Fair Value of Plan Assets		$ 0	$ 0	$ 0	$ 0		$ 0
Expected Future Benefit Payments
2020					444
2021					427
2022					409
2023					389
2024					555
2025- 2029					2,482
Estimated Contributions During 2020					$ 444
Postretirement Benefit Plans
Defined Benefit Plan Disclosure [Line Items]
Assumptions used calculating benefit obligation, interest rate to annuitize cash balance account					3.68%
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		0	0	0	$ 0		0
Benefit Obligation		8,652	7,706	7,727	8,652		7,706
Funded Status of Plan					(8,652)		(7,706)
Change in Benefit Obligation
Benefit Obligation, Beginning of Period		7,706	7,727
Service Cost		121	136	130
Interest Cost		364	333	339
Plan Participants' Contributions		485	416
Amendments			453
Actuarial Loss		670	(664)
Benefits Paid		(694)	(695)
Benefit Obligation, End of Period		8,652	7,706	7,727
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period		0	0
Actual Return on Plan Assets		0	0
Employer Contributions		209	279
Plan Participants' Contributions		485	416
Benefits Paid		(694)	(695)
Fair Value of Plan Assets, End of Period		0	0	0
Accumulated Benefit Obligation at December 31, 2019					8,652
Amounts Recognized in the Consolidated Balance Sheets
Prepaid Pension Asset					0		0
Accrued Benefit Liability					(8,652)		(7,706)
Net Benefit Recognized					(8,652)		(7,706)
Amounts Recognized in Other Comprehensive Income (Loss)
Net Unamortized (Gain) Loss Arising During the Period		670	(665)	(14)
Net Prior Service Cost Arising During the Period			453	0
Amortization of Net Loss		42	0	24
Accretion of Net Retirement Plan Prior Service Credit, Tax (Expense) Benefit		(101)	(100)	11
Total Other Comprehensive (Loss) Income for Pension and Other Postretirement Benefit Plans		611	(312)	21
Accumulated Other Comprehensive Income
Net Actuarial Loss (Gains)					(181)		(893)
Prior Service Cost					685		786
Total Accumulated Other Comprehensive Income, Before Tax					504		$ (107)
Amounts that will be Amortized from Accumulated Other Comprehensive Income the Next Year
Net Actuarial Loss					7
Prior Service Cost					$ 106
Net Periodic Benefit Cost
Service Cost		121	136	130
Interest Cost		364	333	339
Expected Return on Plan Assets		0	0	0
Amortization of Prior Service (Credit) Cost		101	100	(11)
Amortization of Net Loss		(42)	0	(24)
Net Periodic Benefit Cost		$ 544	$ 569	$ 434
Weighted-Average Assumptions Used in Calculating Benefit Obligation
Discount Rate					3.76%		4.81%
Rate of Compensation Increase					3.50%		3.50%
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Discount Rate		4.81%	4.22%	4.80%
Rate of Compensation Increase		3.50%	3.50%	3.50%
Fair Value of Plan Assets		$ 0	$ 0	$ 0	$ 0		$ 0
Expected Future Benefit Payments
2020					638
2021					673
2022					655
2023					629
2024					643
2025- 2029					3,271
Estimated Contributions During 2020					$ 638
Minimum | Cash
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation Maximum, Percentage					0.00%		0.00%
Minimum | Interest-Bearing Money Market Fund
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation Maximum, Percentage					0.00%		0.00%
Minimum | Common Stock
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation Maximum, Percentage					0.00%		0.00%
Minimum | North Country Funds - Equity
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation Maximum, Percentage
Minimum | Other Mutual Funds - Equity
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation Maximum, Percentage
Minimum | Equity Funds
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation Maximum, Percentage					55.00%		55.00%
Minimum | North Country Funds - Fixed Income
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation Maximum, Percentage
Minimum | Other Mutual Funds - Fixed Income
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation Maximum, Percentage
Minimum | Fixed Income Funds
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation Maximum, Percentage					10.00%		10.00%
Minimum | Alternative ETF
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation Maximum, Percentage					0.00%
Maximum | Cash
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation Maximum, Percentage					15.00%		15.00%
Maximum | Interest-Bearing Money Market Fund
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation Maximum, Percentage					15.00%		15.00%
Maximum | Common Stock
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation Maximum, Percentage					10.00%		10.00%
Maximum | North Country Funds - Equity
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation Maximum, Percentage
Maximum | Other Mutual Funds - Equity
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation Maximum, Percentage
Maximum | Equity Funds
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation Maximum, Percentage					85.00%		85.00%
Maximum | North Country Funds - Fixed Income
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation Maximum, Percentage
Maximum | Other Mutual Funds - Fixed Income
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation Maximum, Percentage
Maximum | Fixed Income Funds
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation Maximum, Percentage					30.00%		30.00%
Maximum | Alternative ETF
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation Maximum, Percentage					20.00%
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]	Payment for the 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, 2019	Dec. 31, 2018	Dec. 31, 2017
Other Income and Expenses [Abstract]
Legal and Other Professional Fees	$ 2,469	$ 2,460	$ 2,194
Postage and Courier	1,051	982	947
Advertising and Promotion	1,236	1,083	1,035
Stationery and Printing	834	782	841
Intangible Asset Amortization	245	262	279
All Other	4,595	3,507	3,456
Total Other Operating Expense	$ 10,430	$ 9,076	$ 8,752

Income Taxes Current Income Tax

Income Taxes Current Income Tax Expense (Benefit), Continuing Operations (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Current Tax Expense:
Federal	$ 7,706	$ 7,668	$ 11,142
State	1,550	1,450	917
Total Current Tax Expense	9,256	9,118	12,059
Deferred Tax Expense (Benefit):
Federal	427	(40)	(1,453)
State	(83)	(52)	(77)
Total Deferred Tax Expense (Benefit)	344	(92)	(1,530)
Total Provision for Income Taxes	$ 9,600	$ 9,026	$ 10,529

Income Taxes Effective Income T

Income Taxes Effective Income Tax Rate, Continuing Operations, Tax Rate Reconciliation (Details)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Effective Income Tax Rate Reconciliation, Percent [Abstract]
Statutory Federal Tax Rate	21.00%	21.00%	35.00%
Tax Cuts and Jobs Act impact on deferred remeasurement	0	0	(0.028)
Tax-Exempt Income	(2.70%)	(3.10%)	(6.40%)
Nondeductible Interest Expense	0.20%	0.10%	0.10%
State Taxes, Net of Federal Income Tax Benefit	2.30%	2.40%	1.80%
Tax benefit from stock based compensation	(0.30%)	(0.40%)	(0.30%)
Other Items, Net	(0.10%)	(0.10%)	(1.00%)
Effective Tax Rate	20.40%	19.90%	26.40%

Income Taxes Components of Defe

Income Taxes Components of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Deferred Tax Assets, Gross [Abstract]
Allowance for Loan Losses	$ 5,383	$ 5,131
Lease liabilities	2,787
Pension and Deferred Compensation Plans	2,923	2,764
Pension Liability Included in Accumulated Other Comprehensive Income	2,329	3,450
Other	352	342
Net Unrealized Losses on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income	0	1,259
Total Gross Deferred Tax Assets	13,774	12,946
Valuation Allowance for Deferred Tax Assets	0	0
Total Gross Deferred Tax Assets, Net of Valuation Allowance	13,774	12,946
Deferred Tax Liabilities:
Pension Plans	5,270	5,502
Depreciation	1,943	1,149
ROU assets	2,748
Deferred Income	3,215	3,003
Net Unrealized Gains on Equity Securities	240	166
Net Unrealized Gains on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income	160	0
Goodwill	3,502	3,546
Total Gross Deferred Tax Liabilities	17,078	13,366
Deferred Tax Liability, Net	$ 3,304	$ 420

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Sep. 27, 2019
Earnings Per Share [Abstract]
Stock dividend, percent	3.00%	3.00%	3.00%	300.00%
Net Income	$ 37,475	$ 36,279	$ 29,326
Weighted Average Shares - Basic (in shares)	14,940	14,840	14,739
Earnings Per Share - Basic (in dollars per share)	$ 2.51	$ 2.44	$ 1.99
Dilutive Average Shares Attributable to Stock Options (in shares)	43	82	99
Weighted Average Shares - Diluted (in shares)	14,983	14,922	14,838
Earnings Per Share - Diluted (in dollars per share)	$ 2.50	$ 2.43	$ 1.98

Fair Values - Recurring and Non

Fair Values - Recurring and Nonrecurring (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	$ 357,334	$ 317,535
Equity securities	2,063	1,774
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	357,334	317,535
Equity securities		1,774
Total Securities Measured on a Recurring Basis	359,397	319,309
Derivatives, included in other assets	69
Total Measured on a Recurring Basis	359,466
Derivatives, included in other liabilities	69
Total Measured on a Recurring Basis	69
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
Equity securities	0	0
Total Securities Measured on a Recurring Basis	0	0
Derivatives, included in other assets	0
Total Measured on a Recurring Basis	0
Derivatives, included in other liabilities	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	357,334	317,535
Equity securities	2,063	1,774
Total Securities Measured on a Recurring Basis	359,397	319,309
Derivatives, included in other assets	69
Total Measured on a Recurring Basis	359,466
Derivatives, included in other liabilities	69
Total Measured on a Recurring Basis	69
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
Equity securities	0	0
Total Securities Measured on a Recurring Basis	0	0
Derivatives, included in other assets	0
Total Measured on a Recurring Basis	0
Derivatives, included in other liabilities	0
Fair Value, Measurements, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral Dependent Impaired Loans	285	0
Gain (Loss) on Collateral Dependent Impaired Loans	0	0
Other Real Estate Owned and Repossessed Assets, Net	1,261	1,260
Gain (Loss) Other Real Estate and Repossessed Assets, Net	(186)	(132)
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 Owned 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 Owned 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	285	0
Other Real Estate Owned and Repossessed Assets, Net	1,261	1,260
U.S. Treasury and Agency Obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	5,054	46,765
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	5,054	46,765
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	5,054	46,765
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	764	1,195
State and Municipal Obligations | Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	764	1,195
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	764	1,195
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	350,716	268,775
Mortgage-Backed Securities - Residential | Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	350,716	268,775
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	350,716	268,775
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
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

Fair Values - Fair Value By Bal

Fair Values - Fair Value By Balance Sheet Grouping (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-Sale	$ 357,334	$ 317,535
Held-To-Maturity Securities	245,065	283,476
Held-To-Maturity Securities		280,338
Equity Securities	2,063	1,774
Federal Home Loan Bank and Federal Reserve Bank Stock	10,317	15,506
Net Loans	2,364,933	2,176,019
Deposits	2,616,054	2,345,584
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	51,099	54,659
Federal Home Loan Bank Overnight Advances	130,000	234,000
Federal Home Loan Bank Term Advances	30,000	45,000
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	70,221	84,239
Available-for-Sale	357,334	317,535
Held-To-Maturity Securities	245,065	283,476
Equity Securities	2,063	1,774
Federal Home Loan Bank and Federal Reserve Bank Stock	10,317	15,506
Net Loans	2,364,933	2,176,019
Accrued Interest Receivable	7,377	7,035
Derivatives, included in other assets	69
Deposits	2,616,054	2,345,584
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	51,099	54,659
Federal Home Loan Bank Overnight Advances	130,000	234,000
Federal Home Loan Bank Term Advances	30,000	45,000
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Accrued Interest Payable	1,436	570
Derivatives, included in other liabilities	69
Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and Cash Equivalents	70,221	84,239
Available-for-Sale	357,334	317,535
Held-To-Maturity Securities	249,618	280,338
Equity Securities	2,063	1,774
Federal Home Loan Bank Stock and Federal Reserve Bank Stock	10,317	15,506
Net Loans	2,332,797	2,114,372
Accrued Interest Receivable	7,377	7,035
Derivatives, included in other assets	69
Deposits	2,614,170	2,338,410
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	51,099	54,659
Federal Home Loan Bank Overnight Advances	130,000	234,000
Federal Home Loan Bank Term Advances	29,993	44,652
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Accrued Interest Payable	1,436	570
Derivatives, included in other liabilities	69
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	70,221	84,239
Available-for-Sale	0	0
Held-To-Maturity Securities	0	0
Federal Home Loan Bank Stock and Federal Reserve Bank Stock	0	0
Net Loans	0	0
Accrued Interest Receivable	0	0
Derivatives, included in other assets	0
Deposits	0	0
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	0	0
Federal Home Loan Bank Overnight Advances	0	0
Federal Home Loan Bank Term Advances	0	0
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	0	0
Accrued Interest Payable	0	0
Derivatives, included in other liabilities	0
Significant Other Observable Inputs (Level 2) | Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and Cash Equivalents	0	0
Available-for-Sale	357,334	317,535
Held-To-Maturity Securities	249,618	280,338
Equity Securities	2,063	1,774
Federal Home Loan Bank Stock and Federal Reserve Bank Stock	10,317	15,506
Net Loans	0	0
Accrued Interest Receivable	7,377	7,035
Derivatives, included in other assets	69
Deposits	2,614,170	2,338,410
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	51,099	54,659
Federal Home Loan Bank Overnight Advances	130,000	234,000
Federal Home Loan Bank Term Advances	29,993	44,652
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Accrued Interest Payable	1,436	570
Derivatives, included in other liabilities	69
Significant Unobservable Inputs (Level 3) | Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and Cash Equivalents	0	0
Available-for-Sale	0	0
Held-To-Maturity Securities	0	0
Federal Home Loan Bank Stock and Federal Reserve Bank Stock	0	0
Net Loans	2,332,797	2,114,372
Accrued Interest Receivable	0	0
Derivatives, included in other assets	0
Deposits	0	0
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	0	0
Federal Home Loan Bank Overnight Advances	0	0
Federal Home Loan Bank Term Advances	0	0
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	0	0
Accrued Interest Payable	0	$ 0
Derivatives, included in other liabilities	$ 0

Leases - Narrative (Details)

Leases - Narrative (Details)	12 Months Ended
	Dec. 31, 2019branch_office
Leases [Abstract]
Number of branch offices	5

Leases - Quantitative Lease Dat

Leases - Quantitative Lease Data (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Finance Lease Amounts:
Right-of-use Assets	$ 5,171
Lease Liabilities	5,254
Operating Lease Amounts:
Right-of-use Assets	5,644
Lease Liabilities	5,713
Cash Paid For Amounts Included In The Measurement Of Lease Liabilities:
Operating Outgoing Cash Flows From Finance Leases	99
Operating Outgoing Cash Flows From Operating Leases	779
Financing Outgoing Cash Flows From Finance Leases	28
Right-of-use Assets Obtained In Exchange For New Finance Lease Liabilities	5,271
Right-of-use Assets Obtained In Exchange For New Operating Lease Liabilities	$ 6,266
Weighted-average Remaining Lease Term—Finance Leases (Yrs.)	30 years 9 months 18 days
Weighted-average Remaining Lease Term—Operating Leases (Yrs.)	13 years 8 months 16 days
Weighted-average Discount Rate—Finance Leases %	3.75%
Weighted-average Discount Rate—Operating Leases %	3.35%
Finance Lease Cost:
Reduction in the Carrying Amount of Right-of-use assets	$ 100
Interest on Lease Liabilities	99	$ 0	$ 0
Operating Lease Cost	795
Short-term Lease Cost	85
Variable Lease Cost	205
Total Lease Cost	$ 1,284

Leases - Future Lease Payments

Leases - Future Lease Payments on Finance and Operating Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Operating Leases
2020	$ 788
2021	671
2022	578
2023	542
2024	521
Thereafter	4,113
Total Undiscounted Cash Flows	7,213
Less: Net Present Value Adjustment	1,500
Lease Liability	5,713
Finance Leases
2020	230
2021	238
2022	169
2023	243
2024	249
Thereafter	8,271
Total Undiscounted Cash Flows	9,400
Less: Net Present Value Adjustment	4,146
Lease Liabilities	5,254
Operating Leases
2019		$ 857
2020		626
2021		497
2022		357
2023		286
2024 and beyond		2,776
Total Undiscounted Cash Flows	7,213
Total Minimum Lease Payments		$ 5,399
2020	788
Lease Liability	5,713
2021	671
2022	578
2023	542
2024	521
Thereafter	4,113
Less: Net Present Value Adjustment	$ 1,500

Regulatory Matters (Details)

Regulatory Matters (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Maximum Subsidiary Dividend	$ 64,600
Parent Company
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Capital (to Risk Weighted Assets) - Actual Amount	$ 330,657	$ 304,109
Total Capital (to Risk Weighted Assets) - Actual Ratio	14.80%	14.90%
Total Capital (to Risk Weighted Assets) - Minimum Amounts For Capital Adequacy Purposes Amount	$ 234,588	$ 202,059
Total Capital (to Risk Weighted Assets) - Minimum Amounts For Capital Adequacy Purposes Ratio	10.50%	9.875%
Total Capital (to Risk Weighted Assets) - Minimum Amounts To Be Well-Capitalized Amount	$ 223,417	$ 204,100
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	$ 309,469	$ 283,913
Tier I Capital (to Risk Weighted Assets) - Actual Ratio	13.80%	13.90%
Tier I Capital (to Risk Weighted Assets) - Minimum Accounts For Capital Adequacy Purposes Amount	$ 190,615	$ 161,361
Tier I Capital (to Risk Weighted Assets) - Minimum Amounts For Capital Adequacy Purposes Ratio	8.50%	7.875%
Tier I Capital (to Risk Weighted Assets) - Minimum Amounts To Be Well-Capitalized Ratio	$ 179,402	$ 163,403
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	8.00%	8.00%
Tier One Risk Based Capital	$ 309,469	$ 283,913
Tier One Leverage Capital to Average Assets	10.00%	9.60%
Tier One Leverage Capital Required for Capital Adequacy	$ 123,788	$ 118,297
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	4.00%	4.00%
Tier One Leverage Capital Required to be Well Capitalized	$ 154,735	$ 147,871
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	5.00%	5.00%
Common Equity Tier 1 Capital Ratio	$ 289,409	$ 263,863
Common Equity Tier 1 Capital Ratio Percentage	12.90%	12.90%
Common Equity Tier 1 Capital Ratio Required for Capital Adequacy	$ 157,044	$ 130,909
Common Equity Tier 1 Capital Ratio For Capital Adequacy	7.00%	6.375%
Common Equity Tier 1 Leverage Capital Required to be Well Capitalized	$ 145,826	$ 132,954
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	$ 254,438	$ 237,238
Total Capital (to Risk Weighted Assets) - Actual Ratio	14.50%	14.40%
Total Capital (to Risk Weighted Assets) - Minimum Amounts For Capital Adequacy Purposes Amount	$ 184,248	$ 163,101
Total Capital (to Risk Weighted Assets) - Minimum Amounts For Capital Adequacy Purposes Ratio	10.50%	9.875%
Total Capital (to Risk Weighted Assets) - Minimum Amounts To Be Well-Capitalized Amount	$ 175,474	$ 164,749
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	$ 237,546	$ 220,844
Tier I Capital (to Risk Weighted Assets) - Actual Ratio	13.50%	13.40%
Tier I Capital (to Risk Weighted Assets) - Minimum Accounts For Capital Adequacy Purposes Amount	$ 149,566	$ 130,199
Tier I Capital (to Risk Weighted Assets) - Minimum Amounts For Capital Adequacy Purposes Ratio	8.50%	7.875%
Tier I Capital (to Risk Weighted Assets) - Minimum Amounts To Be Well-Capitalized Ratio	$ 140,768	$ 131,847
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	8.00%	8.00%
Tier One Risk Based Capital	$ 237,546	$ 220,844
Tier One Leverage Capital to Average Assets	9.50%	9.10%
Tier One Leverage Capital Required for Capital Adequacy	$ 100,019	$ 97,074
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	4.00%	4.00%
Tier One Leverage Capital Required to be Well Capitalized	$ 125,024	$ 121,343
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	5.00%	5.00%
Common Equity Tier 1 Capital Ratio	$ 237,486	$ 220,794
Common Equity Tier 1 Capital Ratio Percentage	13.50%	13.40%
Common Equity Tier 1 Capital Ratio Required for Capital Adequacy	$ 123,141	$ 105,454
Common Equity Tier 1 Capital Ratio For Capital Adequacy	7.00%	6.375%
Common Equity Tier 1 Leverage Capital Required to be Well Capitalized	$ 114,345	$ 107,102
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	$ 65,295	$ 56,483
Total Capital (to Risk Weighted Assets) - Actual Ratio	13.60%	14.20%
Total Capital (to Risk Weighted Assets) - Minimum Amounts For Capital Adequacy Purposes Amount	$ 50,412	$ 39,379
Total Capital (to Risk Weighted Assets) - Minimum Amounts For Capital Adequacy Purposes Ratio	10.50%	9.875%
Total Capital (to Risk Weighted Assets) - Minimum Amounts To Be Well-Capitalized Amount	$ 48,011	$ 39,777
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	$ 60,999	$ 52,681
Tier I Capital (to Risk Weighted Assets) - Actual Ratio	12.70%	13.20%
Tier I Capital (to Risk Weighted Assets) - Minimum Accounts For Capital Adequacy Purposes Amount	$ 40,826	$ 31,529
Tier I Capital (to Risk Weighted Assets) - Minimum Amounts For Capital Adequacy Purposes Ratio	8.50%	7.875%
Tier I Capital (to Risk Weighted Assets) - Minimum Amounts To Be Well-Capitalized Ratio	$ 38,425	$ 31,928
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	8.00%	8.00%
Tier One Risk Based Capital	$ 60,999	$ 52,681
Tier One Leverage Capital to Average Assets	9.60%	9.60%
Tier One Leverage Capital Required for Capital Adequacy	$ 25,416	$ 21,950
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	4.00%	4.00%
Tier One Leverage Capital Required to be Well Capitalized	$ 31,770	$ 27,438
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	5.00%	5.00%
Common Equity Tier 1 Capital Ratio	$ 60,999	$ 52,681
Common Equity Tier 1 Capital Ratio Percentage	12.70%	13.20%
Common Equity Tier 1 Capital Ratio Required for Capital Adequacy	$ 33,621	$ 25,542
Common Equity Tier 1 Capital Ratio For Capital Adequacy	7.00%	6.375%
Common Equity Tier 1 Leverage Capital Required to be Well Capitalized	$ 31,220	$ 25,941
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, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
ASSETS
Interest-Bearing Deposits at Banks	$ 23,186	$ 27,710
Available-for-Sale	357,334	317,535
Equity Securities	2,063	1,774
Other Assets	70,179	55,614
Total Assets	3,184,275	2,988,334
LIABILITIES
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Other Liabilities	30,140	19,507
Total Liabilities	2,882,547	2,718,750
STOCKHOLDERS’ EQUITY
Total Stockholders’ Equity	301,728	269,584	$ 249,603	$ 232,852
Total Liabilities and Stockholders’ Equity	3,184,275	2,988,334
Parent Company
ASSETS
Interest-Bearing Deposits at Banks	1,429	2,298
Equity Securities	2,063	1,774
Investment in Subsidiaries at Equity	312,018	280,408
Other Assets	9,365	8,626
Total Assets	324,875	293,106
LIABILITIES
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Other Liabilities	3,147	3,522
Total Liabilities	23,147	23,522
STOCKHOLDERS’ EQUITY
Total Stockholders’ Equity	301,728	269,584
Total Liabilities and Stockholders’ Equity	$ 324,875	$ 293,106

Parent Only Financial Informa_4

Parent Only Financial Information Parent Only Income Statement (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Condensed Financial Statements, Captions [Line Items]
Interest and Dividends on Investments	$ 109,759	$ 96,503	$ 84,657
Other Operating Income	1,477	1,324	927
Interest Expense	21,710	12,485	7,006
Other Operating Expense	10,430	9,076	8,752
Provision for Income Taxes	9,600	9,026	10,529
Net Income	37,475	36,279	29,326
Parent Company
Condensed Financial Statements, Captions [Line Items]
Dividends from Bank Subsidiaries	14,100	13,300	12,800
Interest and Dividends on Investments	49	48	53
Other Operating Income	1,006	907	677
Total Income	15,155	14,255	13,530
Interest Expense	1,024	976	781
Other Operating Expense	875	1,175	958
Total Expense	1,899	2,151	1,739
Income Before Income Tax Benefit and Equity in Undistributed Net Income of Subsidiaries	13,256	12,104	11,791
Provision for Income Taxes	466	686	225
Equity in Undistributed Net Income of Subsidiaries	23,753	23,489	17,310
Net Income	$ 37,475	$ 36,279	$ 29,326

Parent Only Financial Informa_5

Parent Only Financial Information Parent Only Statement of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash Flows from Operating Activities:
Net Income	$ 37,475	$ 36,279	$ 29,326
Shares Issued Under the Directors’ Stock Plan	258	205	233
Net Cash Provided By Operating Activities	43,944	41,976	37,827
Cash Flows from Investing Activities:
Proceeds from the Maturities and Calls of Securities Held-to-Maturity	41,607	58,978	49,244
Net Cash Used In Investing Activities	(192,231)	(227,770)	(148,566)
Cash Flows from Financing Activities:
Shares Issued for Stock Option Exercises, net	1,792	2,255	1,190
Shares Issued Under the Employee Stock Purchase Plan	493	505	496
Shares Issued for Dividend Reinvestment Plans	1,777	1,761	1,684
Purchase of Treasury Stock	(2,469)	(2,098)	(3,248)
Cash Dividends Paid	(15,206)	(14,389)	(13,599)
Net Cash Provided By Financing Activities	134,269	197,195	126,222
Net (Decrease) Increase in Cash and Cash Equivalents	(14,018)	11,401	15,483
Cash and Cash Equivalents at Beginning of Year	84,239	72,838	57,355
Cash and Cash Equivalents at End of Year	70,221	84,239	72,838
Interest on Deposits and Borrowings	20,843	12,212	6,957
Parent Company
Cash Flows from Operating Activities:
Net Income	37,475	36,279	29,326
Undistributed Net Income of Subsidiaries	(23,753)	(23,489)	(17,310)
Shares Issued Under the Directors’ Stock Plan	258	205	233
Changes in Other Assets and Other Liabilities	(1,236)	(918)	(1,179)
Net Cash Provided By Operating Activities	12,744	12,077	11,070
Cash Flows from Investing Activities:
Proceeds from the Maturities and Calls of Securities Held-to-Maturity	0	0	1,000
Net Cash Used In Investing Activities	0	0	1,000
Cash Flows from Financing Activities:
Shares Issued for Stock Option Exercises, net	1,792	2,255	1,190
Shares Issued Under the Employee Stock Purchase Plan	493	505	496
Shares Issued for Dividend Reinvestment Plans	1,777	1,761	1,684
Tax Benefit for Exercises of Stock Options	0	0	0
Purchase of Treasury Stock	(2,469)	(2,097)	(3,248)
Cash Dividends Paid	(15,206)	(14,389)	(13,599)
Net Cash Provided By Financing Activities	(13,613)	(11,965)	(13,477)
Net (Decrease) Increase in Cash and Cash Equivalents	(869)	112	(1,407)
Cash and Cash Equivalents at Beginning of Year	2,298	2,186	3,593
Cash and Cash Equivalents at End of Year	1,429	2,298	2,186
Interest on Deposits and Borrowings	$ 1,024	$ 976	$ 781

Uncategorized Items - arow-2019

Label	Element	Value
Accounting Standards Update 2016-01 [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	$ 0
Accounting Standards Update 2016-01 [Member] | Retained Earnings [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	331,000
Accounting Standards Update 2016-01 [Member] | AOCI Attributable to Parent [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	(331,000)
Accounting Standards Update 2014-09 [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	(102,000)
Accounting Standards Update 2014-09 [Member] | Retained Earnings [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	$ (102,000)