Arrow Financial (AROW) 10-K 10 Mar 21 2020 FY Annual report Financial data

Cover Page

Cover Page - USD ($)	12 Months Ended
	Dec. 31, 2020	Feb. 26, 2021	Jun. 30, 2020
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2020
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Entity File Number	0-12507
Entity Registrant Name	ARROW FINANCIAL CORPORATION
Entity Incorporation, State or Country Code	NY
Entity Tax Identification Number	22-2448962
Entity Address, Address Line One	250 Glen Street,
Entity Address, City or Town	Glens Falls
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	12801
City Area Code	518
Local Phone Number	745-1000
Title of 12(b) Security	Common Stock, Par Value $1.00 per share
Trading Symbol	AROW
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 447,236,731
Entity Common Stock, Shares Outstanding (in shares)		15,526,490
Documents Incorporated by Reference	Portions of the Registrant’s Proxy Statement for the Annual Meeting of Stockholders to be held May 5, 2021 (Part III).
Entity Central Index Key	0000717538
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	FY
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
ASSETS
Cash and Due From Banks	$ 42,116	$ 47,035
Interest-Bearing Deposits at Banks	338,875	23,186
Investments, Debt and Equity Securities [Abstract]
Available-for-Sale	365,287	357,334
Held-to-Maturity (Approximate Fair Value of $226,576 at December 31, 2020, and $249,618 at December 31, 2019)	218,405	245,065
Equity Securities	1,636	2,063
Other Investments	5,349	10,317
Loans	2,595,030	2,386,120
Allowance for Loan Losses	(29,232)	(21,187)
Net Loans	2,565,798	2,364,933
Premises and Equipment, Net	42,612	40,629
Goodwill	21,873	21,873
Other Intangible Assets, Net	1,950	1,661
Other Assets	84,735	70,179
Total Assets	3,688,636	3,184,275
LIABILITIES
Noninterest-Bearing Deposits	701,341	484,944
Interest-Bearing Checking Accounts	832,434	689,221
Savings Deposits	1,423,358	1,046,568
Time Deposits over $250,000	123,622	123,968
Other Time Deposits	153,971	271,353
Total Deposits	3,234,726	2,616,054
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	17,486	51,099
Federal Home Loan Bank Overnight Advances	0	130,000
Federal Home Loan Bank Term Advances	45,000	30,000
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Finance Leases	5,217	5,254
Other Liabilities	31,815	30,140
Total Liabilities	3,354,244	2,882,547
STOCKHOLDERS’ EQUITY
Preferred Stock, $1 Par Value, 1,000,000 Shares Authorized	0	0
Common Stock, $1 Par Value; 30,000,000 Shares Authorized (20,194,474 Shares Issued at December 31, 2020, and 19,606,449 Shares Issued at December 31, 2019)	20,194	19,606
Additional Paid-in Capital	353,662	335,355
Retained Earnings	41,899	33,218
Accumulated Other Comprehensive Loss	(816)	(6,357)
Treasury Stock, at Cost (4,678,736 Shares at December 31, 2020, and 4,608,258 Shares at December 31, 2019)	(80,547)	(80,094)
Total Stockholders’ Equity	334,392	301,728
Total Liabilities and Stockholders’ Equity	$ 3,688,636	$ 3,184,275

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Statement of Financial Position [Abstract]
Held-To-Maturity Securities, at Fair Value	$ 226,576	$ 249,618
Preferred Stock, Par Value (in dollars per share)	$ 1	$ 1
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	30,000,000
Common Stock, Shares Issued (in shares)	20,194,474	19,606,449
Treasury Stock, Shares (in shares)	4,678,736	4,608,258

Consolidated Statements of Inco

Consolidated Statements of Income shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)$ / sharesshares		Dec. 31, 2019USD ($)$ / sharesshares		Dec. 31, 2018USD ($)$ / sharesshares
INTEREST AND DIVIDEND INCOME
Interest and Fees on Loans	$ 100,492		$ 95,467		$ 81,647
Interest on Deposits at Banks	321		722		711
Interest and Dividends on Investment Securities:
Fully Taxable	7,131		8,883		8,582
Exempt from Federal Taxes	3,952		4,687		5,563
Total Interest and Dividend Income	111,896		109,759		96,503
INTEREST EXPENSE
Interest-Bearing Checking Accounts	1,292		1,985		1,618
Savings Deposits	5,090		8,399		3,457
Time Deposits over $250,000	1,465		1,932		1,183
Other Time Deposits	2,782		4,224		1,420
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	60		100		62
Federal Home Loan Bank Advances	1,063		3,952		3,779
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	746		1,019		966
Interest on Financing Leases	196		99		0
Total Interest Expense	12,694		21,710		12,485
NET INTEREST INCOME	99,202		88,049		84,018
Provision	9,319		2,079		2,607
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	89,883		85,970		81,411
NONINTEREST INCOME
Insurance Commissions	6,876		7,182		7,888
Net (Loss) Gain on Securities	(464)		289		213
Net Gain on Sales of Loans	3,889		622		135
Other Operating Income	3,464		1,477		1,324
Total Noninterest Income	32,658		28,555		28,949
NONINTEREST EXPENSE
Salaries and Employee Benefits	42,061		38,402		38,788
Occupancy Expenses, Net	5,614		5,407		5,026
Technology and Equipment Expense	12,976		13,054		11,284
FDIC Assessments	1,063		157		881
Other Operating Expense	8,964		10,430		9,076
Total Noninterest Expense	70,678		67,450		65,055
INCOME BEFORE PROVISION FOR INCOME TAXES	51,863		47,075		45,305
Provision for Income Taxes	11,036		9,600		9,026
NET INCOME	$ 40,827		$ 37,475		$ 36,279
Average Shares Outstanding:
Basic (in shares) | shares	15,465	[1]	15,388	[1]	15,285	[1]
Diluted (in shares) | shares	15,479	[1]	15,433	[1]	15,370	[1]
Per Common Share:
Basic Earnings (in dollars per share) | $ / shares	$ 2.64	[1]	$ 2.44	[1]	$ 2.37	[1]
Diluted Earnings (in dollars per share) | $ / shares	$ 2.64	[1]	$ 2.43	[1]	$ 2.36	[1]
Stock dividend, percent	300.00%	[2]	300.00%		300.00%
Fiduciary and Trust
NONINTEREST INCOME
Income From Fiduciary Activities	$ 8,890		$ 8,809		$ 9,255
Deposit Account
NONINTEREST INCOME
Income From Fiduciary Activities	$ 10,003		$ 10,176		$ 10,134
[1]	Share and Per Share Amounts have been restated for the September 25, 2020 3% stock dividend.
[2]	Included in the shares issued for the 3% stock dividend in 2020 were treasury shares of 137,041

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Statement of Comprehensive Income [Abstract]
Net Income	$ 40,827	$ 37,475	$ 36,279
Other Comprehensive Income (Loss), Net of Tax:
Unrealized Net Securities Holding Gains (Losses) Arising During the Year	5,306	4,162	(2,116)
Reclassification Adjustment for Net Securities Losses Arising During the the Year	28	0	0
Net Unrealized Gains on Cash Flow Hedge Agreements	485	0
Net Retirement Plan (Loss) Gain	(251)	2,614	(2,833)
Net Retirement Plan Prior Service Cost	(353)	0	(338)
Amortization of Net Retirement Plan Actuarial Loss	169	510	242
Amortization of Net Retirement Plan Prior Service Cost	157	167	80
Other Comprehensive Income (Loss)	5,541	7,453	(4,965)
Comprehensive Income	$ 46,368	$ 44,928	$ 31,314

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands		Total		Cumulative Effect, Period of Adoption, Adjustment	Common Stock	Additional Paid-In Capital	Retained Earnings		Retained EarningsCumulative Effect, Period of Adoption, Adjustment	Unallo- cated ESOP Shares	Accumulated Other Comprehensive Income (Loss)	Accumulated Other Comprehensive Income (Loss)Cumulative Effect, Period of Adoption, Adjustment	Treasury Stock
Beginning balance at Dec. 31, 2017		$ 249,603			$ 18,481	$ 290,219	$ 28,818			$ (200)	$ (8,514)	$ (331)	$ (79,201)
Beginning balance (Accounting Standards Update 2014-09) at Dec. 31, 2017				$ (102)					$ (102)			0
Beginning balance (Accounting Standards Update 2016-01) at Dec. 31, 2017				0					331			$ (331)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income		36,279					36,279
Other Comprehensive Income (Loss)		(4,965)									(4,965)
Stock Dividend		0	[1]		554	21,126	(21,680)	[1]
Cash Dividends Paid		(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		$ 0	19,035	314,533	29,257		$ 0	(100)	(13,810)		(79,331)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting Standards Update [Extensible List]		us-gaap:AccountingStandardsUpdate201409Member
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)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income		40,827					40,827
Other Comprehensive Income (Loss)		5,541									5,541
Stock Dividend	[2]	0			588	15,818	(16,406)
Cash Dividends Paid	[1]	(15,740)					(15,740)
Shares Issued for Stock Option Exercises, net		748				433							315
Shares Issued Under the Directors' Stock Plan		125				83							42
Shares Issued Under the Employee Stock Purchase Plan		513				339							174
Shares Issued for Dividend Reinvestment Plans		1,808				1,214							594
Stock-Based Compensation Expense		420				420
Purchases of Treasury Stock		(1,578)											(1,578)
Ending balance at Dec. 31, 2020		$ 334,392			$ 20,194	$ 353,662	$ 41,899			$ 0	$ (816)		$ (80,547)
[1]	Cash dividends paid per share have been adjusted for the September 25, 2020 3% stock dividend.
[2]	Included in the shares issued for the 3% stock dividend in 2020 were treasury shares of 137,041

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares		12 Months Ended
		Dec. 31, 2020		Dec. 31, 2019	Dec. 31, 2018
Statement of Stockholders' Equity [Abstract]
Stock dividend, percent		300.00%	[1]	300.00%	300.00%
Stock dividends (in shares)		588,025	[1]	570,884	554,264
Cash Dividends Paid (in dollars per share)	[2]	$ 1.02		$ 0.99	$ 0.94
Shares Issued for Stock Option Exercises (in shares		33,895
Shares Issued for Stock Option Exercises, net (in shares)		33,112		84,216	105,055
Shares Issued Under Directors Stock Plan (in shares)		4,245		7,580	5,601
Shares Issued Under the Employee Stock Purchase Plan (in shares)		18,286		15,379	14,832
Shares Issued for Dividend Reinvestment Plans (in shares)		63,425		51,191	49,714
Purchase of Treasury Stock (in shares)		52,505		73,495	58,527
Allocation of ESOP Stock (in shares)				5,151	4,931
Treasury Stock, Shares (in shares)		4,678,736		4,608,258
[1]	Included in the shares issued for the 3% stock dividend in 2020 were treasury shares of 137,041
[2]	Cash dividends paid per share have been adjusted for the September 25, 2020 3% stock dividend.

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Cash Flows from Operating Activities:
Net Income	$ 40,827	$ 37,475	$ 36,279
Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities:
Provision	9,319	2,079	2,607
Depreciation and Amortization	6,867	5,503	4,751
Allocation of ESOP Stock	0	180	174
Loss on the Sale of Securities Available-for-Sale	37	0	0
Net Loss (Gain) on Equity Securities	427	(289)	(213)
Loans Originated and Held-for-Sale	(94,773)	(23,850)	(4,179)
Proceeds from the Sale of Loans Held-for-Sale	87,729	24,538	4,426
Net Gains on the Sale of Loans	(3,889)	(622)	(135)
Net (Losses) Gains on the Sale or Write-down of Premises and Equipment,     Other Real Estate Owned and Repossessed Assets	(161)	882	159
Contributions to Pension & Postretirement Plans	(673)	(675)	(744)
Deferred Income Tax (Expense) Benefit	(2,240)	344	(92)
Shares Issued Under the Directors’ Stock Plan	125	258	205
Stock-Based Compensation Expense	420	391	356
Tax Benefit from Exercise of Stock Options	52	227	240
Net Increase in Other Assets	(2,339)	(12,527)	(1,182)
Net Increase (Decrease) in Other Liabilities	586	10,030	(676)
Net Cash Provided By Operating Activities	42,314	43,944	41,976
Cash Flows from Investing Activities:
Proceeds from the Sale of Securities Available-for-Sale	65,273	0	0
Proceeds from the Maturities and Calls of Securities Available-for-Sale	104,941	96,058	61,807
Purchases of Securities Available-for-Sale	(173,234)	(131,348)	(84,746)
Proceeds from the Maturities and Calls of Securities Held-to-Maturity	33,896	41,607	58,978
Purchases of Securities Held-to-Maturity	(7,953)	(4,003)	(7,506)
Net Increase in Loans	(200,554)	(193,460)	(247,569)
Proceeds from the Sales of Premises and Equipment, Other    Real Estate Owned and Repossessed Assets	2,478	1,511	1,828
Purchase of Premises and Equipment	(5,132)	(7,785)	(5,103)
Proceeds from the Sale of a Subsidiary, Net	0	0	98
Net Decrease (Increase) in Federal Home Loan Bank Stock	4,968	5,189	(5,557)
Purchase of Bank Owned Life Insurance	(12,000)	0	0
Net Cash Used In Investing Activities	(187,317)	(192,231)	(227,770)
Cash Flows from Financing Activities:
Net Increase in Deposits	618,672	270,470	100,468
Net (Decrease) Increase in Short-Term Federal Home Loan Bank Borrowings	(130,000)	(104,000)	129,000
Net Decrease in Short-Term Borrowings	(33,613)	(3,560)	(10,307)
Federal Home Loan Bank Advances	45,000	0	0
Finance Lease Payments	(37)	(28)
Repayments of Federal Home Loan Bank Advances	(30,000)	(15,000)	(10,000)
Purchase of Treasury Stock	(1,578)	(2,469)	(2,098)
Shares Issued for Stock Option Exercises, net	748	1,792	2,255
Shares Issued Under the Employee Stock Purchase Plan	513	493	505
Shares Issued for Dividend Reinvestment Plans	1,808	1,777	1,761
Cash Dividends Paid	(15,740)	(15,206)	(14,389)
Net Cash Provided By Financing Activities	455,773	134,269	197,195
Net Increase (Decrease) in Cash and Cash Equivalents	310,770	(14,018)	11,401
Cash and Cash Equivalents at Beginning of Year	70,221	84,239	72,838
Cash and Cash Equivalents at End of Year	380,991	70,221	84,239
Supplemental Disclosures to Statements of Cash Flow Information:
Interest on Deposits and Borrowings	13,799	20,843	12,212
Income Taxes	10,969	9,931	10,037
Non-cash Investing and Financing Activity:
Transfer of Loans to Other Real Estate Owned and Repossessed Assets	$ 1,000	$ 1,810	$ 1,015

Risks and Uncertainties

Risks and Uncertainties	12 Months Ended
	Dec. 31, 2020
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 or GFNB) whose main office is located in Glens Falls, New York, and Saratoga National Bank and Trust Company (Saratoga National or 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, 2020
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 21, 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 the Company's 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. Equity securities with readily determinable fair values are stated at fair value with realized and unrealized gains and losses reported in income. 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 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 are reported at their principal outstanding balance, net of deferred fees and costs, and unearned income. Arrow has the intent and ability to hold to maturity. 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. Arrow originated loans to commercial borrowers under the PPP during 2020. PPP loans have an interest rate of 1% and include an origination and servicing fee as a result of originating these loans. The original term on the PPP loans is two years, however the borrower will have the option to apply for forgiveness. Subsequent to the funding of the loans, additional guidance was provided permitting the term of a PPP loan to be extended to five years if both parties agree to the revised terms. Arrow is recognizing the fees earned over the life of the loan and will accelerate recognition of the fees if the loan is forgiven by the Small Business Administration. 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, Arrow 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. 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 net loss factor incorporating a rolling average annual 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 loan 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 loan 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 recognizes right-of-use assets and lease liabilities on the balance sheet for all leases with terms longer than 12 months, and has elected not to separate lease and non-lease components, but accounts for the resulting combined component as a single lease component. The Company also elected to account for short-term leases, those leases with a "lease term" of twelve months or less, as an operating lease. Since the Company has not been able to determine the rate implicit in its leases, the secured borrowing rate from the Federal Home Loan Bank of New York is utilized to determine the lease discount rate. The expected expiration date of each new lease is determined on a lease-by-lease basis based on certain criteria, such as the availability of renewal options in the lease contracts, the amount of leasehold improvements required in addition to the feasibility of growth potential. 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, Arrow 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. Investments in Historical Tax Credits - Arrow accounts for historic rehabilitation tax credits using the deferral method of accounting under which the tax benefit generated from an investment tax credit is recorded as a reduction to the GAAP asset basis. Accordingly, Arrow recognized a current tax receivable and a deferred tax asset and corresponding reduction in the basis of Arrow's historic tax credit investment. Bank-Owned Life Insurance - Arrow has purchased life insurance policies on certain employees, key executives and directors. Bank-owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Derivative Instruments and Hedging Activities - Arrow enters into interest rate swap agreements that are not designated as hedges for accounting purposes. As the interest rate swap agreements have substantially equivalent and offsetting terms, they do not present any material exposure to Arrow's consolidated statements of income. Arrow 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. In addition, Arrow has entered into interest rate swaps to synthetically fix the variable rate interest payments in outstanding subordinated trust securities. These agreements are designated as cash flow hedges. For derivatives designated and that qualify as cash flow hedges of interest rate risk, the gain or loss on the derivative is recorded in Accumulated Other Comprehensive Income and subsequently reclassified into interest expense in the same period during which the hedge transaction affects earnings. 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 (mortgage servicing rights and customer intangibles), have been included in the consolidated balance sheet as “Other Intangible Assets, Net.” 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 compensation 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 required 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, 2020, there was no outstanding balance remaining on the loans and therefore no remaining unallocated shares. In addition, Arrow 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 ESOP 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 ra

Cash and Cash Equivalents

Cash and Cash Equivalents	12 Months Ended
	Dec. 31, 2020
Cash and Cash Equivalents [Abstract]
Cash and Cash Equivalents	CASH AND CASH EQUIVALENTS (Dollars In Thousands) 2020 2019 Balances at December 31: Cash and Due From Banks $ 42,116 $ 47,035 Interest-Bearing Deposits at Banks 338,875 23,186 Total Cash and Cash Equivalents $ 380,991 $ 70,221 Supplemental Information: Total required reserves, including vault cash and Federal Reserve Bank deposits $ — $ 35,985 Restricted cash pledged as collateral related to swap agreements and included in Cash and Due From Banks $ 500 $ —

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2020
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, 2020 and 2019: Available-For-Sale Securities U.S. Government & Agency State and Mortgage- Corporate Total December 31, 2020 Available-For-Sale Securities, $ 65,002 $ 528 $ 290,967 $ 1,000 $ 357,497 Available-For-Sale Securities, 65,112 528 298,847 800 365,287 Gross Unrealized Gains 184 — 7,934 — 8,118 Gross Unrealized Losses 74 — 54 200 328 Available-For-Sale Securities, 244,411 Maturities of Debt Securities, Within One Year — 68 12,223 — 12,291 From 1 - 5 Years 50,002 60 273,808 — 323,870 From 5 - 10 Years 15,000 400 4,936 1,000 21,336 Over 10 Years — — — — — Maturities of Debt Securities, Within One Year — 68 12,373 — 12,441 From 1 - 5 Years 50,133 60 281,592 — 331,785 From 5 - 10 Years 14,979 400 4,882 800 21,061 Over 10 Years — — — — — Securities in a Continuous Less than 12 Months $ 29,926 $ — $ — $ — $ 29,926 12 Months or Longer — — 4,882 800 5,682 Total $ 29,926 $ — $ 4,882 $ 800 $ 35,608 Number of Securities in a 4 — 1 1 6 Unrealized Losses on Less than 12 Months $ 74 $ — $ — $ — $ 74 12 Months or Longer — — 54 200 254 Total $ 74 $ — $ 54 $ 200 $ 328 Disaggregated Details: US Agency Obligations, 65,002 US Agency Obligations, 65,112 US Government Agency $ 12,696 US Government Agency 12,683 Government Sponsored Entity 278,271 Government Sponsored Entity 286,164 Available-For-Sale Securities U.S. Government & Agency State and Mortgage- Corporate Mutual Funds 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 Securities in a Continuous 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 — — 54 1 — 55 Unrealized Losses on 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 The following table is the schedule of Held-To-Maturity Securities at December 31, 2020 and 2019: Held-To-Maturity Securities State and Mortgage- Total December 31, 2020 Held-To-Maturity Securities, $ 192,352 $ 26,053 $ 218,405 Held-To-Maturity Securities, 199,429 27,147 226,576 Gross Unrealized Gains 7,080 1,094 8,174 Gross Unrealized Losses 3 — 3 Held-To-Maturity Securities, 211,176 Maturities of Debt Securities, Within One Year 15,465 3,503 18,968 From 1 - 5 Years 140,380 22,550 162,930 From 5 - 10 Years 35,503 — 35,503 Over 10 Years 1,004 — 1,004 Maturities of Debt Securities, Within One Year 15,537 3,590 19,127 From 1 - 5 Years 145,436 23,557 168,993 From 5 - 10 Years 37,435 — 37,435 Over 10 Years 1,021 — 1,021 Securities in a Continuous Less than 12 Months $ 1,513 $ — $ 1,513 12 Months or Longer — — — Total $ 1,513 $ — $ 1,513 Number of Securities in a 4 — 4 Unrealized Losses on Securities Less than 12 Months $ 3 $ — $ 3 12 Months or Longer — — — Total $ 3 $ — $ 3 Disaggregated Details: US Government Agency 9,440 US Government Agency 9,762 Government Sponsored Entity 16,613 Government Sponsored Entity 17,385 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 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 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, 2020 and December 31, 2019 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, 2020, there were no securities downgraded below investment grade. Because Arrow expects to recover the entire cost basis according to the contractual terms of each debt security, 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, 2020 and 2019. Equity Securities December 31, 2020 2019 Equity Securities, at Fair Value $ 1,636 $ 2,063 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, 2020 and 2019 : December 31, 2020 2019 Net (Loss) Gain on Equity Securities $ (427) $ 289 Less: Net gain (loss) recognized during the reporting period on equity securities sold during the period — — Unrealized net (loss) gain recognized during the reporting period on equity securities still held at the reporting date $ (427) $ 289 Schedule of Federal Reserve Bank and Federal Home Loan Bank Stock (at cost) December 31, 2020 2019 Federal Reserve Bank Stock $ 1,150 $ 1,138 Federal Home Loan Bank Stock 4,199 9,179 Total Federal Reserve Bank and Federal Home Loan Bank Stock $ 5,349 $ 10,317

Loans

Loans	12 Months Ended
	Dec. 31, 2020
Receivables [Abstract]
Loans	LOANS (Dollars In Thousands) Loan Categories and Past Due Loans The following table presents loan balances outstanding as of December 31, 2020 and December 31, 2019 and an analysis of the recorded investment in loans that are past due at these dates. Loans held-for-sale of $11,085 and $150 as of December 31, 2020, and December 31, 2019, 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, 2020 Loans Past Due 30-59 Days $ 102 $ — $ 4,976 $ 261 $ 5,339 Loans Past Due 60-89 Days 113 — 2,713 1,279 4,105 Loans Past Due 90 or More Days 78 1,658 1,379 1,224 4,339 Total Loans Past Due 293 1,658 9,068 2,764 13,783 Current Loans 240,261 570,129 850,700 920,157 2,581,247 Total Loans $ 240,554 $ 571,787 $ 859,768 $ 922,921 $ 2,595,030 Loans 90 or More Days Past Due and Still Accruing Interest $ — $ 184 $ — $ 44 $ 228 Nonaccrual Loans 78 1,475 1,470 3,010 6,033 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 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. Generally, 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 to support the borrowing, as permitted by applicable law. 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. 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. Many of the commercial and commercial real estate loans are in industries that have been heavily impacted by the COVID-19 pandemic. In 2020, Arrow originated $142.7 million of PPP loans. Consumer Loans - This category is primarily comprised of automobile loans. Arrow primarily finances the purchases of automobiles indirectly through dealer relationships located throughout upstate New York and Vermont. Most automobile loans carry a fixed rate of interest with principal repayment terms typically ranging from three one Residential - Residential real estate loans consist primarily of loans secured by first or second mortgages on primary residences. The Company originates adjustable-rate and fixed-rate one-to-four-family residential real estate loans for the construction, purchase of 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 for 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. Arrow'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 Arrow's general practice to underwrite 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. The Company's 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 2020 2019 Supplemental Information : Unamortized deferred loan origination costs, net of deferred loan $ 1,273 $ 5,181 Overdrawn deposit accounts, included in the above balances 238 2,420 Pledged loans under a blanket collateral agreement to secure borrowings from the Federal Home Loan Bank of New York 859,592 731,240 Residential real estate loans serviced for Freddie Mac, not included 190,169 139,094 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, 2019 $ 1,386 $ 5,830 $ 9,408 $ 4,563 $ 21,187 Charge-offs (37) (5) (1,898) (49) (1,989) Recoveries 3 — 712 — 715 Provision 821 4,165 3,340 993 9,319 December 31, 2020 $ 2,173 $ 9,990 $ 11,562 $ 5,507 $ 29,232 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, 2020 Allowance for loan losses - Loans Individually Evaluated for Impairment $ 19 $ — $ — $ 22 $ 41 Allowance for loan losses - Loans Collectively Evaluated for Impairment 2,154 9,990 11,562 5,485 29,191 Ending Loan Balance - Individually Evaluated for Impairment 47 1,128 111 1,417 2,703 Ending Loan Balance - Collectively Evaluated for Impairment 240,507 570,659 859,657 921,504 2,592,327 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 Through the provision for loan losses, an allowance for loan losses is maintained that reflects Arrow's 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. Specific reserves on individually identified impaired loans that are not collateral dependent are measured based on the present value of expected future cash flows discounted at the original effective interest rate of each loan. For loans that are collateral-dependent, impairment is measured based on the fair value of the collateral less estimated selling costs, and such impaired amounts are generally charged off. In general, Arrow's impaired loans are collateral-dependent impaired loans that have limited exposure or require limited specific reserves because of collateral support with respect to these loans. Interest payments on impaired loans are typically applied to principal unless collectability of the principal amount is reasonably assured, in which case interest is recognized on a cash basis. 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. The historical net loss rate is determined for each loan category using a rolling average annual twelve quarter look-back period of the respective segment that have occurred within each pool of loans over the loss emergence period (LEP). While historical net loss experience provides a reasonable starting point for the 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, historical net loss factors are considered and adjusted for qualitative factors that impact the incurred 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 loan 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 loan 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, 2020 and December 31, 2019: Loan Credit Quality Indicators Commercial Commercial Real Estate Consumer Residential Total December 31, 2020 Credit Risk Profile by Creditworthiness Category: Satisfactory $ 229,351 $ 525,609 $ 754,960 Special Mention 1,574 16,213 17,787 Substandard 9,629 29,965 39,594 Doubtful — — — Credit Risk Profile Based on Payment Activity: Performing $ 858,298 $ 919,867 1,778,165 Nonperforming 1,470 3,054 4,524 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 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. The recorded investment in consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process is $660 thousand. 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, 2020 Recorded Investment: With No Related Allowance $ — $ 1,124 $ 112 $ 1,174 $ 2,410 With a Related Allowance 46 — — 244 290 Unpaid Principal Balance: With No Related Allowance $ — $ 1,128 $ 111 $ 1,174 $ 2,413 With a Related Allowance 47 — — 244 291 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 For the Year-To-Date Period Ended: December 31, 2020 Average Recorded Balance: With No Related Allowance $ — $ 562 $ 110 $ 937 $ 1,609 With a Related Allowance 40 — — 252 $ 292 Interest Income Recognized: With No Related Allowance $ — $ — $ 1 $ 10 $ 11 With a Related Allowance — — — — — Cash Basis Income: With No Related Allowance $ — $ — $ — $ — $ — With a Related Allowance — — — — — 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 — — — — — At December 31, 2020, 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, 2020 Number of Loans 1 — 5 — 6 Pre-Modification Outstanding Recorded Investment $ 14 $ — $ 77 $ — $ 91 Post-Modification Outstanding Recorded Investment 14 — 77 — 91 Subsequent Default, Number of Contracts — — — — — Subsequent Default, Recorded Investment — — — — — Commitments to lend additional funds to modified loans — — — — — 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 — — — — —

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2020
Property, Plant and Equipment [Abstract]
Premises and Equipment	PREMISES AND EQUIPMENT (Dollars In Thousands) A summary of premises and equipment at December 31, 2020 and 2019 is presented below: 2020 2019 Land and Bank Premises $ 39,624 $ 39,342 Equipment, Furniture and Fixtures 33,276 30,529 Leasehold Improvements 4,632 3,758 Total Cost 77,532 73,629 Accumulated Depreciation and Amortization (39,911) (38,171) Net Owned Premises and Equipment 37,621 35,458 Leased Assets (see Note 18) 4,991 5,171 Net Premises and Equipment $ 42,612 $ 40,629

Other Intangible Assets

Other Intangible Assets	12 Months Ended
	Dec. 31, 2020
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, 2020, 2019 and 2018: Mortgage Servicing Rights 1 Customer Intangibles 2 Total Gross Carrying Amount, December 31, 2020 $ 2,850 $ 4,382 $ 9,479 Accumulated Amortization (2,018) (3,264) (7,529) Net Carrying Amount, December 31, 2020 $ 832 $ 1,118 $ 1,950 Gross Carrying Amount, December 31, 2019 $ 2,229 $ 4,382 $ 8,858 Accumulated Amortization (1,913) (3,037) (7,197) Net Carrying Amount, December 31, 2019 $ 316 $ 1,345 $ 1,661 Rollforward of Intangible Assets: 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 Intangible Assets Acquired 621 — 621 Intangible Assets Disposed — — — Amortization of Intangible Assets (105) (227) (332) Balance, December 31, 2020 $ 832 $ 1,118 $ 1,950 1 Amortization of mortgage servicing rights is reported in the Consolidated Statements of Income as a reduction of mortgage servicing fee income, which is included with fees for other services to customers. 2 Amortization of customer intangibles are reported in the Consolidated Statements of Income as a component of other operating expense. The following table presents the remaining estimated annual amortization expense for Arrow's intangible assets as of December 31, 2020: Mortgage Customer Intangibles Total Estimated Annual Amortization Expense: 2021 $ 181 $ 211 $ 392 2022 160 193 353 2023 140 176 316 2024 132 155 287 2025 132 107 239 2026 and beyond 87 276 363 Total $ 832 $ 1,118 $ 1,950

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2020
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, 2020 and 2019: Balance at December 31, 2020 2019 Notional Amount: Commitments to Extend Credit $ 399,882 $ 349,718 Standby Letters of Credit 3,703 3,129 Fair Value: Commitments to Extend Credit $ — $ — Standby Letters of Credit 28 31 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 instrument s. Arrow uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. Commitments t o 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, 2020 and 2019 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, 2020 and 2019 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.

Time Deposits

Time Deposits	12 Months Ended
	Dec. 31, 2020
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, 2020: Year of Maturity Total Time 2021 $ 218,079 2022 21,998 2023 9,686 2024 6,249 2025 3,835 2026 and beyond 17,746 Total $ 277,593

Debt

Debt	12 Months Ended
	Dec. 31, 2020
Debt Disclosure [Abstract]
Debt	DEBT (Dollars in Thousands) Schedule of Short-Term Borrowings: 2020 2019 Balances at December 31: Overnight Advances from the Federal Home Loan Bank of New York $ — $ 130,000 Securities Sold Under Agreements to Repurchase 17,486 51,099 Total Short-Term Borrowings $ 17,486 $ 181,099 Maximum Borrowing Capacity at December 31: Federal Funds Purchased $ 52,000 $ 67,000 Federal Home Loan Bank of New York 859,592 731,240 Federal Reserve Bank of New York 610,643 583,369 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, 2020 and 2019 have overnight maturities. Repo accounts are not covered by federal deposit insurance and are secured by Arrow's 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, 2020, 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 $19.2 million and $62.4 million were pledged as collateral for the securities sold under agreements to repurchase at December 31, 2020 and 2019, respectively, and are presented in the table below: 2020 2019 Balances at December 31: Mortgage-Backed Securities 19,189 62,372 Total Pledged Collateral for Repo Accounts $ 19,189 $ 62,372 Arrow's subsidiary banks have in place unsecured federal funds lines of credit with two 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 2020 2019 2020 2019 First Year $ — $ 25,000 — % 2.02 % Second Year 5,000 — 1.81 % — % Third Year 20,000 5,000 1.75 % 1.81 % Fourth Year 20,000 — 1.76 % — % Fifth Year — — — % — % Total $ 45,000 $ 30,000 1.77 % 1.98 % Long Term Debt - Guaranteed Preferred Beneficial Interests in Corporation's Junior Subordinated Debentures During 2020, 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. Arrow has entered into interest rate swaps to synthetically fix the variable rate interest payments associated with $20 million in outstanding subordinated trust securities. These agreements are designated as cash flow hedges. 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, 2020, 2019 and 2018 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 2020 2019 ACST II Balance at December 31, $ 10,000 $ 10,000 Period End: Variable Interest Rate 3.37 % 5.25 % Fixed Interest Rate resulting from cash flow hedge agreement 4.00 % ACST III Balance at December 31, $ 10,000 $ 10,000 Period End: Variable Interest Rate 2.22 % 4.10 % Fixed Interest Rate resulting from cash flow hedge agreement 2.86 %

Comprehensive Income (Loss), Ne

Comprehensive Income (Loss), Net of Tax	12 Months Ended
	Dec. 31, 2020
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, 2020, 2019 and 2018: Schedule of Comprehensive Income (Loss) Before-Tax Tax Net-of-Tax 2020 Net Unrealized Securities Holding Gains Arising During the Period $ 7,129 (1,823) 5,306 Reclassification Adjustment for Securities Losses Included in Net Income 37 (9) 28 Net Unrealized Gains on Cash Flow Swap 651 (166) 485 Net Retirement Plan Losses (337) 86 (251) Net Retirement Plan Prior Service Cost (472) 119 (353) Amortization of Net Retirement Plan Actuarial Loss 227 (58) 169 Amortization of Net Retirement Plan Prior Service Cost 211 (54) 157 Other Comprehensive Income $ 7,446 $ (1,905) $ 5,541 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 Amortization of Net Retirement Plan Actuarial Loss 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 Cost (453) 115 (338) Amortization of Net Retirement Plan Actuarial Loss 325 (83) 242 Amortization of Net Retirement Plan Actuarial Loss 108 (28) 80 Other Comprehensive Loss $ (6,657) $ 1,692 $ (4,965) 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 Unrealized Losses on Gain On Net Net Prior Available-for- Cash Flow Actuarial Service Sale Securities Swap Gain (Loss) (Cost ) Credit Total For the Year-To-Date periods ended: December 31, 2019 $ 465 $ — $ (5,847) $ (975) $ (6,357) Other comprehensive income (loss) before reclassifications 5,306 485 (251) (353) 5,187 Amounts reclassified from accumulated other comprehensive income 28 169 157 354 Net current-period other comprehensive income (loss) 5,334 485 (82) (196) 5,541 December 31, 2020 $ 5,799 $ 485 $ (5,929) $ (1,171) $ (816) 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) (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, 2020 Unrealized gains and losses on available-for-sale securities $ (37) Loss on Securities Transactions, Net (37) Total before tax 9 Provision for Income Taxes $ (28) Net of tax Amortization of defined benefit pension items Prior-service credit $ (211) (2) Salaries and Employee Benefits Actuarial Loss (227) (2) Salaries and Employee Benefits (438) Total before tax 112 Provision for Income Taxes $ (326) Net of tax Total reclassifications for the period $ (354) Net of tax 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 credit $ (224) (2) Salaries and Employee Benefits Actuarial Loss (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 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, 2018 Unrealized gains and losses on available-for-sale securities $ — Gain on Securities Transactions, Net — Total before tax — Provision for Income Taxes $ — Net of tax Amortization of defined benefit pension items Prior-service credit $ (108) (2) Salaries and Employee Benefits Actuarial Loss (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 (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 retirement benefit plans footnote for additional details).

Stock Based Compensation

Stock Based Compensation	12 Months Ended
	Dec. 31, 2020
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 25, 2020 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 178,391 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, 2020. Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at January 1, 2020 248,495 $ 26.78 Granted 52,324 $ 34.25 Exercised (33,895) $ 22.07 Forfeited (2,834) $ 28.79 Outstanding at December 31, 2020 264,090 $ 28.84 6.48 $ 285 Vested at Period-End 140,686 $ 26.06 5.01 $ 542 Expected to Vest 123,404 $ 32.01 8.17 $ — The following is the Schedule of Stock Options Granted Under the Long Term Incentive Plan by Exercise Price Range. Exercise Price Ranges $19.70 to $19.73 $20.26 to $20.73 $21.85 to $22.30 $29.89 to $30.01 $33.06 $34.25 Total Outstanding at December 31, 2020 Number of Stock Options Outstanding 8,477 28,623 36,885 97,537 40,244 52,324 264,090 Weighted-Average Remaining Contractual Life (in years) 1.24 2.29 4.73 7.61 6.07 9.08 6.48 Weighted-Average Exercise Price $ 19.72 $ 20.54 $ 22.15 $ 29.95 $ 33.06 $ 34.25 $ 28.83 Vested at December 31, 2020 Number of Stock Options Outstanding 8,477 28,623 36,885 36,032 30,669 — 140,686 Weighted-Average Remaining Contractual Life (in years) 1.24 2.29 4.73 7.44 6.07 0 5.01 Weighted-Average Exercise Price $ 19.72 $ 20.54 $ 22.15 $ 29.97 $ 33.06 $ — $ 26.06 The following is the Schedule of Other Information on Stock Options Granted. 2020 2019 2018 Stock Options Granted 52,324 55,167 56,722 Weighted Average Grant Date Information: Fair Value of Options Granted $ 4.84 $ 5.42 $ 5.27 Fair Value Assumptions: Dividend Yield 2.90 % 3.26 % 2.98 % Expected Volatility 20.25 % 22.58 % 21.55 % Risk Free Interest Rate 1.53 % 2.63 % 2.68 % Expected Lives (in years) 6.68 8.68 6.98 Amount Expensed During the Year $ 301 $ 316 $ 322 Compensation Costs for Non-vested Awards Not Yet Recognized 440 487 504 Weighted Average Expected Vesting Period, In Years 2.17 2.07 2.74 Proceeds From Stock Options Exercised $ 748 $ 1,792 $ 2,255 Tax Benefits Related to Stock Options Exercised 52 227 240 Intrinsic Value of Stock Options Exercised 282 1,073 1,552 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, 2020. The Company started granting restricted stock units in 2018. Restricted Stock Units Weighted Average Grant Date Fair Value Non-vested at January 1, 2020 7,721 $ 30.27 Granted 3,942 $ 34.25 Vested — $ — Canceled — $ — Non-vested at December 31, 2020 11,663 $ 31.62 Non-vested at January 1, 2019 3,582 $ 30.70 Granted 4,139 $ 29.89 Vested — $ — Canceled — $ — Non-vested at December 31, 2019 7,721 $ 30.27 Non-vested at January 1, 2018 — $ — Granted 3,582 $ 30.70 Vested — $ — Canceled — $ — Non-vested at December 31, 2018 3,582 30.70 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, 2020. 2020 2019 2018 Amount Expensed During the Year $ 119 $ 75 $ 34 Compensation Costs for Non-vested Awards Not Yet Recognized 141 126 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 required 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, 2020, 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 2020 2019 2018 ESOP Compensation Expense $ 1,619 $ 1,368 $ 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.

Retirement Benefit Plans

Retirement Benefit Plans	12 Months Ended
	Dec. 31, 2020
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 allows for grandfathered participants to receive automatic increases of Company contributions each year based on the increase in inflation and limited to a maximum of 5%. As of December 31, 2020, Arrow uses the sex-distinct amount-weighted Pri-2012 mortality tables for employees, healthy annuitants and contingent survivors, adjusted for mortality improvements with the Scale MP-2020 mortality improvement scale on a generational basis for the Pension Plan and the sex-distinct amount-weighted White Collar tables for employees and healthy annuitants, adjusted for mortality improvements with the scale MP-2020 mortality improvement scale on a generational basis for the Select Executive Retirement Plan. As of December 31, 2020, Arrow updated its mortality assumption used for the Postretirement Plan to the sex-distinct Pri.H-2012 headcount-weighted mortality tables for employees and healthy annuitants, adjusted for mortality improvements with the Scale MP-2020 mortality improvement scale on a generational basis. The change in mortality tables resulted in a decrease in liabilities for the Employees' Pension Plan, the Select Executive Retirement Plan and the Postretirement Benefit 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 (0.53%,2.31%, 3.09%) as of December 31, 2020. Effective January 1, 2021, Glens Falls National Bank and Trust Company amended the Arrow Financial Corporation Employees' Pension Plan. The plan change was adopted January 1, 2021 and the amendment was valued as of December 31, 2020. The plan amendment is the following: Effective January 1, 2021, the benefit payable to or on behalf of each participant: • whose employment with the Employer (or any predecessor Employer, except as noted below) terminated on or before January 1, 2016; • who satisfied the requirements for early, normal, or late retirement as of such termination; • who never participated in the United Vermont Bancorporation Plan and; • who is, or whose Beneficiary is, receiving monthly benefit payments from the Plan as of January 1, 2021 (including a Participant or Beneficiary who shall commence receiving benefits from the Plan as of January 1, 2021), shall be increased by three percent (3%). The foregoing increase shall be applied to the monthly benefit actually payable to the Participant, or to the Participant's Beneficiary, as of January 1, 2021, determined after all applicable adjustments, regardless of whether such benefit had been determined under the Company's plan or the plan of a predecessor employer that had been merged into the Plan. The plan amendment caused a $351,638 increase in the Projected Benefit Obligation creating a positive service cost which will be amortized over 9.70 years (the average expected future service of active plan participants.) Effective January 1, 2021, Glens Falls National Bank and Trust Company amended the Arrow Financial Corporation Employees' Select Executive Retirement Plan. The plan change was adopted January 1, 2021 and the amendment was valued as of December 31, 2020. The plan amendment provides a special adjustment to the monthly benefit payment for certain retirees. The plan amendment caused a $122,797 increase in the Projected Benefit Obligation creating a positive prior service cost which will be amortized over 12.5 years. 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' Select Postretirement Defined Benefit Plan Funded Status December 31, 2020 Fair Value of Plan Assets $ 59,837 $ — $ — Benefit Obligation 44,877 5,820 9,028 Funded Status of Plan $ 14,960 $ (5,820) $ (9,028) 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) Change in Benefit Obligation Benefit Obligation, at January 1, 2020 $ 42,322 $ 5,194 $ 8,652 Service Cost 1 1,663 408 123 Interest Cost 2 1,544 192 310 Plan Participants' Contributions — — 454 Amendments 352 122 — Actuarial Loss 2,901 369 151 Benefits Paid (3,905) (465) (662) Benefit Obligation, at December 31, 2020 $ 44,877 $ 5,820 $ 9,028 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 Change in Fair Value of Plan Assets Fair Value of Plan Assets, at January 1, 2020 $ 57,051 $ — $ — Actual Return on Plan Assets 6,691 — — Employer Contributions — 465 208 Plan Participants' Contributions — — 454 Benefits Paid (3,905) (465) (662) Fair Value of Plan Assets, at December 31, 2020 $ 59,837 $ — $ — 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 $ — $ — Accumulated Benefit Obligation at December 31, 2020 $ 44,613 $ 5,740 $ 9,028 Employees' Select Postretirement Amounts Recognized in the Consolidated Balance Sheets December 31, 2020 Prepaid Pension Asset $ 14,960 $ — — Accrued Benefit Liability — (5,820) (9,028) Net Benefit Recognized $ 14,960 $ (5,820) $ (9,028) December 31, 2019 Prepaid Pension Asset $ 14,729 $ — — Accrued Benefit Liability — (5,194) (8,652) Net Benefit Recognized $ 14,729 $ (5,194) $ (8,652) Amounts Recognized in Other Comprehensive Income (Loss) For the Year Ended December 31, 2020 Net Unamortized (Gain) Loss Arising During the Period $ (182) $ 368 $ 151 Net Prior Service Cost Arising During the Period 349 123 — Amortization of Net Loss (81) (146) — Amortization of Prior Service Credit (63) (42) (106) Total Other Comprehensive Income for Pension and $ 23 $ 303 $ 45 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 Loss (Gain) Arising During the Period $ 4,480 $ (17) $ (665) Net Prior Service Cost Arising During the Period — — 453 Amortization of Net Gain (194) (131) — Amortization of Prior Service Credit (Cost) 49 (57) (100) Total Other Comprehensive Income (Loss) for Pension and $ 4,335 $ (205) $ (312) Accumulated Other Comprehensive Income December 31, 2020 Net Actuarial Loss (Gains) $ 5,482 $ 2,497 $ (30) Prior Service Cost 533 459 578 Total Accumulated Other Comprehensive Income, Before Tax $ 6,015 $ 2,956 $ 548 December 31, 2019 Net Actuarial Loss (Gain) $ 5,745 $ 2,275 $ (181) Prior Service Cost 244 378 685 Total Accumulated Other Comprehensive Income, Before Tax $ 5,989 $ 2,653 $ 504 Amounts that will be Amortized from Accumulated Net Actuarial Loss $ — $ 153 $ 30 Prior Service Cost $ 78 $ 48 $ 106 Employees' Select Postretirement Net Periodic Benefit Cost For the Year Ended December 31, 2020 Service Cost 1 $ 1,663 $ 408 $ 123 Interest Cost 2 1,544 192 310 Expected Return on Plan Assets 2 (3,608) — — Amortization of Prior Service Cost 2 63 42 106 Amortization of Net Loss 2 81 146 — Net Periodic Benefit Cost $ (257) $ 788 $ 539 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 Weighted-Average Assumptions Used in December 31, 2020 Discount Rate 3.14 % 3.19 % 3.17 % Rate of Compensation Increase 3.50 % 3.50 % 3.50 % Interest Rate Credit for Determining 3.00 % 3.00 % Interest Rates segments to Annuitize Cash 0.53%, 2.31% and 3.09% 0.53%, 2.31% and 3.09% Interest Rates to Convert Annuities to Actuarially 0.53%,2.31% and 3.09% 0.53%, 2.31% and 3.09% 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 3.00 % 3.00 % Employees' Select Postretirement Weighted-Average Assumptions Used in December 31, 2020 Discount Rate 3.72 % 3.75 % 3.76 % 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 % Interest Rates to Annuitize Cash 0.53%, 2.31% and 3.09% 0.53%, 2.31% and 3.09% Interest Rates to Convert Annuities to Actuarially 0.53%, 2.31% and 3.09% 0.53%, 2.31% and 3.09% 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 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 % 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 Significant Other Observable Inputs Significant Unobservable Inputs Total Percent of Total Target Allocation Minimum Target Allocation Maximum December 31, 2020 Cash $ — $ — $ — $ — — % — % 15.0 % Interest-Bearing Money Market Fund 1,124 — — 1,124 1.9 % — % 15.0 % Arrow Common Stock 1 5,332 — — 5,332 8.9 % — % 10.0 % North Country Funds - Equity 2 25,741 — — 25,741 43.0 % Other Mutual Funds - Equity 17,336 — — 17,336 29.0 % Total Equity Funds 43,077 — — 43,077 72.0 % 55.0 % 85.0 % North Country Funds - Fixed income 2 8,534 — — 8,534 14.3 % Other Mutual Funds - Fixed Income 805 — — 805 1.3 % Total Fixed Income Funds 9,339 — — 9,339 15.6 % 10.0 % 30.0 % Alternative ETF 965 — — 965 1.6 % — % 20.0 % Total $ 59,837 $ — $ — $ 59,837 100.0 % 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 % 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 2021 $ 2,739 $ 453 $ 694 2022 2,604 433 684 2023 3,235 412 664 2024 3,068 580 663 2025 3,417 559 675 2026 - 2030 15,146 2,476 3,280 Estimated Contributions During 2021 $ — $ 453 $ 694 Assumed Health Care Cost Trend Rates December 31, 2020 Health Care Cost Trend 7.00 % Rate to which the Cost Trend 3.78 % Year that the Rate Reaches 2075 December 31, 2019 Health Care Cost Trend 6.75 % Rate to which the Cost Trend 3.78 % Year that the Rate Reaches 2075 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.

Other Expenses

Other Expenses	12 Months Ended
	Dec. 31, 2020
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: 2020 2019 2018 Legal and Other Professional Fees 2,516 2,469 $ 2,460 Postage and Courier 957 1,051 982 Advertising and Promotion 1,140 1,236 1,083 Stationery and Printing 713 834 782 Intangible Asset Amortization 227 245 262 All Other 3,411 4,595 3,507 Total Other Operating Expense $ 8,964 $ 10,430 $ 9,076

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Income Taxes	INCOME TAXES (Dollars In Thousands) The provision for income taxes is summarized below: Current Tax Expense: 2020 2019 2018 Federal $ 10,791 $ 7,706 $ 7,668 State 2,485 1,550 1,450 Total Current Tax Expense 13,276 9,256 9,118 Deferred Tax Expense (Benefit): Federal (1,569) 427 (40) State (671) (83) (52) Total Deferred Tax Expense (Benefit) (2,240) 344 (92) Total Provision for Income Taxes $ 11,036 $ 9,600 $ 9,026 The provisions for income taxes differed from the amounts computed by applying the U.S. Federal Income Tax Rate of 21% to pre-tax income as a result of the following: 2020 2019 2018 Statutory Federal Tax Rate 21.0 % 21.0 % 21.0 % Increase (Decrease) Resulting From: Tax-Exempt Income (2.1) (2.7) (3.1) Nondeductible Interest Expense 0.1 0.2 0.1 State Taxes, Net of Federal Income Tax Benefit 2.6 2.3 2.4 Tax benefit from stock based compensation (0.1) (0.3) (0.4) Other Items, Net (0.2) (0.1) (0.1) Effective Tax Rate 21.3 % 20.4 % 19.9 % The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2020 and 2019 are presented below: 2020 2019 Deferred Tax Assets: Allowance for Loan Losses $ 7,472 $ 5,383 Lease liabilities 2,717 2,787 Pension and Deferred Compensation Plans 3,149 2,923 Pension Liability Included in Accumulated Other Comprehensive Income 2,439 2,329 Historic Tax Credit 1,394 — Other 385 352 Total Gross Deferred Tax Assets 17,556 13,774 Valuation Allowance for Deferred Tax Assets — — Total Gross Deferred Tax Assets, Net of Valuation Allowance $ 17,556 $ 13,774 Deferred Tax Liabilities: Pension Plans $ 5,368 $ 5,270 Depreciation 3,018 1,943 ROU assets 2,638 2,748 Deferred Income 2,327 3,215 Net Unrealized Gains on Equity Securities 132 240 Net Unrealized Gains on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income 1,991 160 Goodwill 3,474 3,502 Gain on Cash Flow Hedge Agreements 166 $ — Total Gross Deferred Tax Liabilities $ 19,114 $ 17,078 Deferred Tax Liability, Net $ 1,558 $ 3,304 Management believes that the realization of the recognized gross deferred tax assets at December 31, 2020 and 2019 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 upcoming examinations. Tax years 2017 through 2020 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, 2020.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2020
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, 2020. All share and per share amounts have been adjusted for the September 25, 2020 3% stock dividend. Earnings Per Share Year-to-Date Period Ended: 12/31/2020 12/31/2019 12/31/2018 Earnings Per Share - Basic: Net Income $ 40,827 $ 37,475 $ 36,279 Weighted Average Shares - Basic 15,465 15,388 15,285 Earnings Per Share - Basic $ 2.64 $ 2.44 $ 2.37 Earnings Per Share - Diluted: Net Income $ 40,827 $ 37,475 $ 36,279 Weighted Average Shares - Basic 15,465 15,388 15,285 Dilutive Average Shares Attributable to Stock Options 14 45 85 Weighted Average Shares - Diluted 15,479 15,433 15,370 Earnings Per Share - Diluted $ 2.64 $ 2.43 $ 2.36

Fair Values

Fair Values	12 Months Ended
	Dec. 31, 2020
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, 2020 and 2019 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 Significant Other Significant Unobservable Inputs December 31, 2020 Assets: Securities Available-for Sale: U.S. Government & Agency Obligations $ 65,112 $ — $ 65,112 $ — State and Municipal Obligations 528 — 528 — Mortgage-Backed Securities 298,847 — 298,847 — Corporate and Other Debt Securities 800 — 800 — Total Securities Available-for-Sale 365,287 — 365,287 $ — Equity Securities 1,636 — 1,636 — Total Securities Measured on a Recurring Basis 366,923 — 366,923 — Derivatives, included in other assets 5,080 — 5,080 — Total Measured on a Recurring Basis $ 372,003 $ — $ 372,003 $ — Liabilities: Derivatives, included in other liabilities $ 5,080 $ — $ 5,080 $ — Total Measured on a Recurring Basis $ 5,080 $ — $ 5,080 $ — 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 $ — Fair Value of Assets and Liabilities Measured on a Nonrecurring Basis: Fair Value Quoted Prices Significant Other Significant Unobservable Inputs Gains (Losses) Recognized in Earnings December 31, 2020 Collateral Dependent Impaired Loans $ 594 $ — $ — $ 594 $ — Other Real Estate Owned and Repossessed Assets, Net 155 — — 155 — December 31, 2019 Collateral Dependent Impaired Loans $ 285 $ — $ — $ 285 $ — Other Real Estate Owned and Repossessed Assets, Net 1,261 — — 1,261 (186) 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, 2020 or 2019. 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, 2020 and 2019. 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 calculated using the replacement cost of funds approach, which is based on the discounted value of contractual cash flows. The discount rates are estimated using the Federal Home Loan Bank of New York ("FHLBNY") yield curve, which is considered representative of Arrow’s replacement cost of funds. A cash flow is generated separately to represent the functional cost of maintaining each account; this cash flow is discounted to FHLBNY yield curve, in conjunction with the contractual cash flows. The fair value of all other deposits is equal to the carrying value. The fair value of FHLBNY advances are 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 fair value of the outstanding trust preferred securities (Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts) are equal to book value with adjustments for the fair market value of their associated interest rate swaps. The fair value is determined by starting with book value as these outstanding securities have a floating rate coupon that is tied to 3-month LIBOR. Through the use of interest rate swaps, the coupons are synthetically fixed, so an adjustment for market value of swap is applied. The market value of interest rate swaps are provided by a third party counterparty. 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 Fair Level 1 Level 2 Level 3 December 31, 2020 Cash and Cash Equivalents $ 380,991 $ 380,991 $ 380,991 $ — $ — Securities Available-for-Sale 365,287 365,287 — 365,287 — Securities Held-to-Maturity 218,405 226,576 — 226,576 — Equity Securities 1,636 1,636 1,636 Federal Home Loan Bank and Federal Reserve Bank Stock 5,349 5,349 — 5,349 — Net Loans 2,565,798 2,558,903 — — 2,558,903 Accrued Interest Receivable 7,495 7,495 — 7,495 — Derivatives, included in other assets 5,080 5,080 — 5,080 — Deposits 3,234,726 3,234,387 — 3,234,387 — Federal Funds Purchased and Securities Sold Under Agreements to Repurchase 17,486 17,486 — 17,486 — Federal Home Loan Bank Term Advances 45,000 46,474 — 46,474 — Junior Subordinated Obligations Issued 20,000 20,000 — 20,000 — Accrued Interest Payable 326 326 — 326 — Derivatives, included in other liabilities 5,080 5,080 — 5,080 — 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 20,000 20,000 — 20,000 — Accrued Interest Payable 1,436 1,436 — 1,436 — Derivatives, included in other liabilities 69 69 — 69 —

Leases

Leases	12 Months Ended
	Dec. 31, 2020
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 four 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, 2020 and December 31, 2019: Twelve Months Ended Finance Lease Amounts: Classification December 31, 2020 December 31, 2019 Right-of-Use Assets Premises and Equipment, Net $ 4,991 $ 5,171 Lease Liabilities Finance Leases 5,217 5,254 Operating Lease Amounts: Right-of-Use Assets Other Assets $ 5,326 $ 5,644 Lease Liabilities Other Liabilities 5,410 5,713 Other Information: Cash Paid For Amounts Included In The Measurement Of Lease Liabilities: Operating Outgoing Cash Flows From Finance Leases $ 196 $ 99 Operating Outgoing Cash Flows From Operating Leases 778 779 Financing Outgoing Cash Flows From Finance Leases 37 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 294 6,266 Weighted-average Remaining Lease Term - Finance Leases (Yrs.) 29.17 30.80 Weighted-average Remaining Lease Term - Operating Leases (Yrs.) 13.05 13.71 Weighted-average Discount Rate—Finance Leases 3.75 % 3.75 % Weighted-average Discount Rate—Operating Leases 3.28 % 3.35 % Lease cost information for the Company's leases is as follows: Three Months Ended Twelve Months Ended December 31, 2020 December 31, 2019 December 31, 2020 December 31, 2019 Lease Cost: Finance Lease Cost: Reduction in the Carrying Amount of Right-of-use assets $ 44 $ 28 $ 177 $ 100 Interest on Lease Liabilities 48 28 196 99 Operating Lease Cost 214 218 838 795 Short-term Lease Cost 8 12 40 85 Variable Lease Cost 39 65 204 205 Total Lease Cost $ 353 $ 351 $ 1,455 $ 1,284 Future Lease Payments at December 31, 2020 are as follows: Operating Leases Finance Leases Twelve Months Ended: 12/31/2021 $ 743 $ 243 12/31/2022 643 243 12/31/2023 602 243 12/31/2024 580 249 12/31/2025 539 263 Thereafter 3,644 7,800 Total Undiscounted Cash Flows 6,751 9,041 Less: Net Present Value Adjustment 1,341 3,824 Lease Liability $ 5,410 $ 5,217
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 four 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, 2020 and December 31, 2019: Twelve Months Ended Finance Lease Amounts: Classification December 31, 2020 December 31, 2019 Right-of-Use Assets Premises and Equipment, Net $ 4,991 $ 5,171 Lease Liabilities Finance Leases 5,217 5,254 Operating Lease Amounts: Right-of-Use Assets Other Assets $ 5,326 $ 5,644 Lease Liabilities Other Liabilities 5,410 5,713 Other Information: Cash Paid For Amounts Included In The Measurement Of Lease Liabilities: Operating Outgoing Cash Flows From Finance Leases $ 196 $ 99 Operating Outgoing Cash Flows From Operating Leases 778 779 Financing Outgoing Cash Flows From Finance Leases 37 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 294 6,266 Weighted-average Remaining Lease Term - Finance Leases (Yrs.) 29.17 30.80 Weighted-average Remaining Lease Term - Operating Leases (Yrs.) 13.05 13.71 Weighted-average Discount Rate—Finance Leases 3.75 % 3.75 % Weighted-average Discount Rate—Operating Leases 3.28 % 3.35 % Lease cost information for the Company's leases is as follows: Three Months Ended Twelve Months Ended December 31, 2020 December 31, 2019 December 31, 2020 December 31, 2019 Lease Cost: Finance Lease Cost: Reduction in the Carrying Amount of Right-of-use assets $ 44 $ 28 $ 177 $ 100 Interest on Lease Liabilities 48 28 196 99 Operating Lease Cost 214 218 838 795 Short-term Lease Cost 8 12 40 85 Variable Lease Cost 39 65 204 205 Total Lease Cost $ 353 $ 351 $ 1,455 $ 1,284 Future Lease Payments at December 31, 2020 are as follows: Operating Leases Finance Leases Twelve Months Ended: 12/31/2021 $ 743 $ 243 12/31/2022 643 243 12/31/2023 602 243 12/31/2024 580 249 12/31/2025 539 263 Thereafter 3,644 7,800 Total Undiscounted Cash Flows 6,751 9,041 Less: Net Present Value Adjustment 1,341 3,824 Lease Liability $ 5,410 $ 5,217

Derivative Instruments and Hedg

Derivative Instruments and Hedging Activities	12 Months Ended
	Dec. 31, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Instruments and Hedging Activities	DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES (In Thousands) Arrow is exposed to certain risks arising from both its business operations and economic conditions. Arrow principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. Arrow manages economic risks, including interest rate, primarily by managing the amount, sources and duration of its assets and liabilities and through the use of derivative instruments. Specifically, Arrow enters into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. Arrow's derivative financial instruments are used to manage differences in the amount, timing and duration of known or expected cash receipts and its known or expected cash payments principally related to certain fixed rate borrowings. Arrow also has interest rate derivatives that result from a service provided to certain qualifying customers and, therefore, are not used to manage interest rate risk in the Company’s assets or liabilities. The Company manages a matched book with respect to its derivative instruments in order to minimize its net risk exposure resulting from such transactions. Derivatives Not Designated as Hedging Instruments Arrow enters into interest rate swap agreements with its commercial customers to provide them with a long-term fixed rate, while simultaneously entering into offsetting interest rate swap agreements with a counterparty to swap the fixed rate to a variable rate to manage interest rate exposure. These interest rate swap agreements are not designated as hedges for accounting purposes. As the interest rate swap agreements have substantially equivalent and offsetting terms, they do not present any material exposure to Arrow's consolidated statements of income. Arrow 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, 2020 December 31, 2019 Fair value adjustment included in other assets $ 5,080 $ 69 Fair value adjustment included in other liabilities 5,080 69 Notional amount 176,637 44,531 Derivatives Designated as Hedging Instruments Arrow has entered into interest rate swaps to synthetically fix the variable rate interest payments associated with $20 million in outstanding subordinated trust securities. These agreements are designated as cash flow hedges. For derivatives designated and that qualify as cash flow hedges of interest rate risk, the gain or loss on the derivative is recorded in Accumulated Other Comprehensive Income ("AOCI") and subsequently reclassified into interest expense in the same period during which the hedge transaction affects earnings. Amounts reported in AOCI related to derivatives will be reclassified to interest expense as interest payments are made on Arrow's Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts borrowings. The following table indicates the effect of cash flow hedge accounting on AOCI and on the consolidated statement of income. Derivatives Designated as Hedging Instruments - Cash Flow Hedge Agreements December 31, 2020 December 31, 2019 Amount of gain recognized in AOCI $ 651 $ — Amount of gain reclassified from AOCI interest expense — —

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2020
Equity [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, 2020, the maximum amount that could have been paid by subsidiary banks to Arrow, without prior regulatory approval, was approximately $71.8 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, 2020 and 2019, 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. The federal bank regulators have issued a final rule to implement the Community Bank Leverage Ratio ("CBLR"), introducing an optional simplified measure of capital adequacy for qualifying community banks that satisfy certain requirements, including having a 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 ratios. The CBLR is calculated as the ratio of “tier 1 capital” divided by “average total consolidated assets.” This final rule was effective as of January 1, 2020, and qualifying community banks 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). Arrow elected to opt out of utilizing the CBLR framework. The Capital Rules promulgated under Dodd-Frank will remain applicable to Arrow. As of December 31, 2020, 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, 2020 and 2019: 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, 2020 Total Capital Arrow $ 364,988 15.5 % $ 247,250 10.5 % $ 235,476 10.0 % Glens Falls National 273,801 15.2 % 189,139 10.5 % 180,132 10.0 % Saratoga National 78,022 14.2 % 57,692 10.5 % 54,945 10.0 % Tier I Capital Arrow 335,756 14.2 % 200,981 8.5 % 189,158 8.0 % Glens Falls National 251,419 13.9 % 153,745 8.5 % 144,702 8.0 % Saratoga National 71,172 13.0 % 46,536 8.5 % 43,798 8.0 % Actual Minimum Amounts For Capital Adequacy Purposes (including "capital conservation buffer") Minimum Amounts To Be Well-Capitalized Amount Ratio Amount Ratio Amount Ratio Tier I Capital Arrow 335,756 9.1 % 147,585 4.0 % 184,481 5.0 % Glens Falls National 251,419 8.7 % 115,595 4.0 % 144,494 5.0 % Saratoga National 71,172 8.9 % 31,987 4.0 % 39,984 5.0 % Common Equity Tier 1 Capital Arrow 315,696 13.4 % 164,916 7.0 % 153,136 6.5 % Glens Falls National 251,359 13.9 % 126,584 7.0 % 117,542 6.5 % Saratoga National 71,172 13.0 % 38,323 7.0 % 35,586 6.5 % As of December 31, 2019 Total Capital 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 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 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 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 %

Parent Only Financial Informati

Parent Only Financial Information	12 Months Ended
	Dec. 31, 2020
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 2020 2019 Interest-Bearing Deposits with Subsidiary Banks $ — $ 1,429 Equity Securities 1,636 2,063 Investment in Subsidiaries at Equity 341,958 312,018 Other Assets 13,294 9,365 Total Assets $ 356,888 $ 324,875 LIABILITIES Junior Subordinated Obligations Issued to $ 20,000 $ 20,000 Other Liabilities 2,496 3,147 Total Liabilities 22,496 23,147 STOCKHOLDERS’ EQUITY Total Stockholders’ Equity 334,392 301,728 Total Liabilities and Stockholders’ Equity $ 356,888 $ 324,875 STATEMENTS OF INCOME Years Ended December 31, Income: 2020 2019 2018 Dividends from Bank Subsidiaries $ 17,199 $ 14,100 $ 13,300 Interest and Dividends on Investments 49 49 48 Other Income (Including Management Fees) 246 1,006 907 Total Income 17,494 15,155 14,255 Expense: Interest Expense 746 1,024 976 Other Expense 878 875 1,175 Total Expense 1,624 1,899 2,151 Income Before Income Tax Benefit and Equity in Undistributed Net Income of Subsidiaries 15,870 13,256 12,104 Income Tax Benefit 431 466 686 Equity in Undistributed Net Income of Subsidiaries 24,526 23,753 23,489 Net Income $ 40,827 $ 37,475 $ 36,279 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, 2020 2019 2018 Cash Flows from Operating Activities: Net Income $ 40,827 $ 37,475 $ 36,279 Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities: Undistributed Net Income of Subsidiaries (24,526) (23,753) (23,489) Shares Issued Under the Directors’ Stock Plan 125 258 205 Changes in Other Assets and Other Liabilities (3,606) (1,236) (918) Net Cash Provided by Operating Activities 12,820 12,744 12,077 Cash Flows from Financing Activities: Stock Options Exercised 748 1,792 2,255 Shares Issued Under the Employee Stock Purchase Plan 513 493 505 Shares Issued for Dividend Reinvestment Plans 1,808 1,777 1,761 Purchase of Treasury Stock (1,578) (2,469) (2,097) Cash Dividends Paid (15,740) (15,206) (14,389) Net Cash Used in Financing Activities (14,249) (13,613) (11,965) Net Increase (Decrease) in Cash and Cash Equivalents (1,429) (869) 112 Cash and Cash Equivalents at Beginning of the Year 1,429 2,298 2,186 Cash and Cash Equivalents at End of the Year $ — $ 1,429 $ 2,298 Supplemental Disclosures to Statements of Interest Paid $ 746 $ 1,024 $ 976

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2020
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 21, 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 the Company's 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. Equity securities with readily determinable fair values are stated at fair value with realized and unrealized gains and losses reported in income.
Loans and Allowance for Loan Losses	Loans and Allowance for Loan Losses - Loans are reported at their principal outstanding balance, net of deferred fees and costs, and unearned income. Arrow has the intent and ability to hold to maturity. 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. Arrow originated loans to commercial borrowers under the PPP during 2020. PPP loans have an interest rate of 1% and include an origination and servicing fee as a result of originating these loans. The original term on the PPP loans is two years, however the borrower will have the option to apply for forgiveness. Subsequent to the funding of the loans, additional guidance was provided permitting the term of a PPP loan to be extended to five years if both parties agree to the revised terms. Arrow is recognizing the fees earned over the life of the loan and will accelerate recognition of the fees if the loan is forgiven by the Small Business Administration. 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, Arrow 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. 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 net loss factor incorporating a rolling average annual 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 loan 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 loan 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
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 recognizes right-of-use assets and lease liabilities on the balance sheet for all leases with terms longer than 12 months, and has elected not to separate lease and non-lease components, but accounts for the resulting combined component as a single lease component. The Company also elected to account for short-term leases, those leases with a "lease term" of twelve months or less, as an operating lease. Since the Company has not been able to determine the rate implicit in its leases, the secured borrowing rate from the Federal Home Loan Bank of New York is utilized to determine the lease discount rate. The expected expiration date of each new lease is determined on a lease-by-lease basis based on certain criteria, such as the availability of renewal options in the lease contracts, the amount of leasehold improvements required in addition to the feasibility of growth potential.
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, Arrow 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.
Investments in Historical Tax Credits	Investments in Historical Tax Credits - Arrow accounts for historic rehabilitation tax credits using the deferral method of accounting under which the tax benefit generated from an investment tax credit is recorded as a reduction to the GAAP asset basis. Accordingly, Arrow recognized a current tax receivable and a deferred tax asset and corresponding reduction in the basis of Arrow's historic tax credit investment.
Bank-Owned Life Insurance	Bank-Owned Life Insurance - Arrow has purchased life insurance policies on certain employees, key executives and directors. Bank-owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.
Derivative Instruments and Hedging Activities	Derivative Instruments and Hedging Activities - Arrow enters into interest rate swap agreements that are not designated as hedges for accounting purposes. As the interest rate swap agreements have substantially equivalent and offsetting terms, they do not present any material exposure to Arrow's consolidated statements of income. Arrow 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. In addition, Arrow has entered into interest rate swaps to synthetically fix the variable rate interest payments in outstanding subordinated trust securities. These agreements are designated as cash flow hedges. For derivatives designated and that qualify as cash flow hedges of interest rate risk, the gain or loss on the derivative is recorded in Accumulated Other Comprehensive Income and subsequently reclassified into interest expense in the same period during which the hedge transaction affects earnings.
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.
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.
Stock-Based Compensation Plans	Stock-Based Compensation Plans - Arrow has three stock-based compensation 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 required 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, 2020, there was no outstanding balance remaining on the loans and therefore no remaining unallocated shares. In addition, Arrow 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 ESOP 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 adjusting for a discount spread. The discount spread is applied separately for each loan type based on market information. A liquidity premium is determined for each loan type based on market inefficiencies associated with the sale of a financial instrument. Finally, a credit loss component is determined utilizing the credit loss assumptions used in the allowance for loan and lease loss model. 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).
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.
New Accounting Pronouncements	The following accounting standards were adopted in 2020: In August 2018, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2018-13 "Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement" as part of its disclosure framework, and pursuant to which FASB has eliminated, amended and added disclosure requirements for fair value measurements. For Arrow, the standard became effective, on a prospective basis, on January 1, 2020. The adoption of this change in fair value disclosure did not have a material impact on its financial position or the results of operations in the period subsequent to its adoption. In August 2018, the FASB issued ASU 2018-14 "Disclosure Framework-Changes to the Disclosure Requirements for Defined Benefit Plans" which applies to all companies that provide defined benefit pension or other postretirement benefit plans for their employees. Certain disclosure requirements have been eliminated such as reporting the amounts in accumulated other comprehensive income expected to be recognized as components of net periodic benefit cost over the next year, and reporting the effects of a one-percentage-point change in the assumed healthcare cost trend rate on the aggregate of the service cost and interest cost components of net periodic benefit cost and on the benefit obligation for postretirement healthcare benefits. New required disclosures for reporting the weighted-average interest rate used to credit cash balance and similar plans that have a promised interest credit, the reasons for significant gains and losses affecting benefit obligations and other requirements for reporting aggregate information related to pension plans. For Arrow, the standard was adopted on December 31, 2020. The adoption of this standard affecting defined benefit plan disclosures did not have a material impact on its financial position or the results of operations. In August 2018, the FASB issued ASU 2018-15 "Customer's Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That Is a Service Contract" which will require companies to defer potentially significant, specified implementation costs incurred in a cloud computing arrangement that are currently often expensed under US GAAP. For Arrow, the standard was adopted, on a prospective basis, on January 1, 2020. The adoption of this standard did not have a material impact on its financial position or the results of operations in the period subsequent to its adoption. In October 2018, the FASB issued ASU No. 2018-17, Consolidation (Topic 810): Targeted Improvements to Related Party Guidance for Variable Interest Entities ("ASU 2018-17"). ASU 2018-17 provides that indirect interests held through related parties in common control arrangements should be considered on a proportional basis for determining whether fees paid to decision makers and service providers are variable interests. For Arrow, the standard was effective on January 1, 2020 and the adoption of this standard did not have a material impact on its financial position or the results of operations in the period subsequent to its adoption. In March 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting ("ASU 2020-04"). ASU 2020-04 provides companies with optional guidance to ease the potential accounting burden associated with transitioning away from reference rates that are expected to be discontinued, such as LIBOR. Companies can apply the ASU immediately. However, the guidance will only be available for a limited time (generally through December 31, 2022), and provides optional relief for contract modifications, hedge accounting and Held-to-maturity debt securities. For Arrow, this standard was effective January 1, 2020 and can be applied prospectively beginning January 1, 2020 for contract modifications and hedging relationships. The one-time election to sell and/or transfer securities classified as Held-to-maturity may be made at any point after March 12, 2020. Arrow is evaluating the impact of this standard as it will provide relief for contracts currently tied to LIBOR and hedge accounting relationships.
Fair Value Measurements	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, 2020 or 2019. 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, 2020 and 2019. 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 calculated using the replacement cost of funds approach, which is based on the discounted value of contractual cash flows. The discount rates are estimated using the Federal Home Loan Bank of New York ("FHLBNY") yield curve, which is considered representative of Arrow’s replacement cost of funds. A cash flow is generated separately to represent the functional cost of maintaining each account; this cash flow is discounted to FHLBNY yield curve, in conjunction with the contractual cash flows. The fair value of all other deposits is equal to the carrying value. The fair value of FHLBNY advances are 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.

Cash and Cash Equivalents (Tabl

Cash and Cash Equivalents (Tables)	12 Months Ended
	Dec. 31, 2020
Cash and Cash Equivalents [Abstract]
Schedule of Cash and Cash Equivalents	2020 2019 Balances at December 31: Cash and Due From Banks $ 42,116 $ 47,035 Interest-Bearing Deposits at Banks 338,875 23,186 Total Cash and Cash Equivalents $ 380,991 $ 70,221 Supplemental Information: Total required reserves, including vault cash and Federal Reserve Bank deposits $ — $ 35,985 Restricted cash pledged as collateral related to swap agreements and included in Cash and Due From Banks $ 500 $ —
Restrictions on Cash and Cash Equivalents	2020 2019 Balances at December 31: Cash and Due From Banks $ 42,116 $ 47,035 Interest-Bearing Deposits at Banks 338,875 23,186 Total Cash and Cash Equivalents $ 380,991 $ 70,221 Supplemental Information: Total required reserves, including vault cash and Federal Reserve Bank deposits $ — $ 35,985 Restricted cash pledged as collateral related to swap agreements and included in Cash and Due From Banks $ 500 $ —

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Available-for-sale Securities	The following table is the schedule of Available-For-Sale Securities at December 31, 2020 and 2019: Available-For-Sale Securities U.S. Government & Agency State and Mortgage- Corporate Total December 31, 2020 Available-For-Sale Securities, $ 65,002 $ 528 $ 290,967 $ 1,000 $ 357,497 Available-For-Sale Securities, 65,112 528 298,847 800 365,287 Gross Unrealized Gains 184 — 7,934 — 8,118 Gross Unrealized Losses 74 — 54 200 328 Available-For-Sale Securities, 244,411 Maturities of Debt Securities, Within One Year — 68 12,223 — 12,291 From 1 - 5 Years 50,002 60 273,808 — 323,870 From 5 - 10 Years 15,000 400 4,936 1,000 21,336 Over 10 Years — — — — — Maturities of Debt Securities, Within One Year — 68 12,373 — 12,441 From 1 - 5 Years 50,133 60 281,592 — 331,785 From 5 - 10 Years 14,979 400 4,882 800 21,061 Over 10 Years — — — — — Securities in a Continuous Less than 12 Months $ 29,926 $ — $ — $ — $ 29,926 12 Months or Longer — — 4,882 800 5,682 Total $ 29,926 $ — $ 4,882 $ 800 $ 35,608 Number of Securities in a 4 — 1 1 6 Unrealized Losses on Less than 12 Months $ 74 $ — $ — $ — $ 74 12 Months or Longer — — 54 200 254 Total $ 74 $ — $ 54 $ 200 $ 328 Disaggregated Details: US Agency Obligations, 65,002 US Agency Obligations, 65,112 US Government Agency $ 12,696 US Government Agency 12,683 Government Sponsored Entity 278,271 Government Sponsored Entity 286,164 Available-For-Sale Securities U.S. Government & Agency State and Mortgage- Corporate Mutual Funds 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 Securities in a Continuous 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 — — 54 1 — 55 Unrealized Losses on 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
Held-to-maturity Securities	The following table is the schedule of Held-To-Maturity Securities at December 31, 2020 and 2019: Held-To-Maturity Securities State and Mortgage- Total December 31, 2020 Held-To-Maturity Securities, $ 192,352 $ 26,053 $ 218,405 Held-To-Maturity Securities, 199,429 27,147 226,576 Gross Unrealized Gains 7,080 1,094 8,174 Gross Unrealized Losses 3 — 3 Held-To-Maturity Securities, 211,176 Maturities of Debt Securities, Within One Year 15,465 3,503 18,968 From 1 - 5 Years 140,380 22,550 162,930 From 5 - 10 Years 35,503 — 35,503 Over 10 Years 1,004 — 1,004 Maturities of Debt Securities, Within One Year 15,537 3,590 19,127 From 1 - 5 Years 145,436 23,557 168,993 From 5 - 10 Years 37,435 — 37,435 Over 10 Years 1,021 — 1,021 Securities in a Continuous Less than 12 Months $ 1,513 $ — $ 1,513 12 Months or Longer — — — Total $ 1,513 $ — $ 1,513 Number of Securities in a 4 — 4 Unrealized Losses on Securities Less than 12 Months $ 3 $ — $ 3 12 Months or Longer — — — Total $ 3 $ — $ 3 Disaggregated Details: US Government Agency 9,440 US Government Agency 9,762 Government Sponsored Entity 16,613 Government Sponsored Entity 17,385 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 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
Debt Securities, Trading, and Equity Securities, FV-NI	The following table is the schedule of Equity Securities at December 31, 2020 and 2019. Equity Securities December 31, 2020 2019 Equity Securities, at Fair Value $ 1,636 $ 2,063
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, 2020 and 2019 : December 31, 2020 2019 Net (Loss) Gain on Equity Securities $ (427) $ 289 Less: Net gain (loss) recognized during the reporting period on equity securities sold during the period — — Unrealized net (loss) gain recognized during the reporting period on equity securities still held at the reporting date $ (427) $ 289
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, 2020 2019 Federal Reserve Bank Stock $ 1,150 $ 1,138 Federal Home Loan Bank Stock 4,199 9,179 Total Federal Reserve Bank and Federal Home Loan Bank Stock $ 5,349 $ 10,317

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2020
Receivables [Abstract]
Past Due Financing Receivables	The following table presents loan balances outstanding as of December 31, 2020 and December 31, 2019 and an analysis of the recorded investment in loans that are past due at these dates. Loans held-for-sale of $11,085 and $150 as of December 31, 2020, and December 31, 2019, 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, 2020 Loans Past Due 30-59 Days $ 102 $ — $ 4,976 $ 261 $ 5,339 Loans Past Due 60-89 Days 113 — 2,713 1,279 4,105 Loans Past Due 90 or More Days 78 1,658 1,379 1,224 4,339 Total Loans Past Due 293 1,658 9,068 2,764 13,783 Current Loans 240,261 570,129 850,700 920,157 2,581,247 Total Loans $ 240,554 $ 571,787 $ 859,768 $ 922,921 $ 2,595,030 Loans 90 or More Days Past Due and Still Accruing Interest $ — $ 184 $ — $ 44 $ 228 Nonaccrual Loans 78 1,475 1,470 3,010 6,033 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
Financing Receivable Supplemental Information	Schedule of Supplemental Loan Information 2020 2019 Supplemental Information : Unamortized deferred loan origination costs, net of deferred loan $ 1,273 $ 5,181 Overdrawn deposit accounts, included in the above balances 238 2,420 Pledged loans under a blanket collateral agreement to secure borrowings from the Federal Home Loan Bank of New York 859,592 731,240 Residential real estate loans serviced for Freddie Mac, not included 190,169 139,094
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, 2019 $ 1,386 $ 5,830 $ 9,408 $ 4,563 $ 21,187 Charge-offs (37) (5) (1,898) (49) (1,989) Recoveries 3 — 712 — 715 Provision 821 4,165 3,340 993 9,319 December 31, 2020 $ 2,173 $ 9,990 $ 11,562 $ 5,507 $ 29,232 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, 2020 Allowance for loan losses - Loans Individually Evaluated for Impairment $ 19 $ — $ — $ 22 $ 41 Allowance for loan losses - Loans Collectively Evaluated for Impairment 2,154 9,990 11,562 5,485 29,191 Ending Loan Balance - Individually Evaluated for Impairment 47 1,128 111 1,417 2,703 Ending Loan Balance - Collectively Evaluated for Impairment 240,507 570,659 859,657 921,504 2,592,327 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
Financing Receivable Credit Quality Indicators	The following table presents the credit quality indicators by loan category at December 31, 2020 and December 31, 2019: Loan Credit Quality Indicators Commercial Commercial Real Estate Consumer Residential Total December 31, 2020 Credit Risk Profile by Creditworthiness Category: Satisfactory $ 229,351 $ 525,609 $ 754,960 Special Mention 1,574 16,213 17,787 Substandard 9,629 29,965 39,594 Doubtful — — — Credit Risk Profile Based on Payment Activity: Performing $ 858,298 $ 919,867 1,778,165 Nonperforming 1,470 3,054 4,524 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
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, 2020 Recorded Investment: With No Related Allowance $ — $ 1,124 $ 112 $ 1,174 $ 2,410 With a Related Allowance 46 — — 244 290 Unpaid Principal Balance: With No Related Allowance $ — $ 1,128 $ 111 $ 1,174 $ 2,413 With a Related Allowance 47 — — 244 291 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 For the Year-To-Date Period Ended: December 31, 2020 Average Recorded Balance: With No Related Allowance $ — $ 562 $ 110 $ 937 $ 1,609 With a Related Allowance 40 — — 252 $ 292 Interest Income Recognized: With No Related Allowance $ — $ — $ 1 $ 10 $ 11 With a Related Allowance — — — — — Cash Basis Income: With No Related Allowance $ — $ — $ — $ — $ — With a Related Allowance — — — — — 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 — — — — —
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, 2020 Number of Loans 1 — 5 — 6 Pre-Modification Outstanding Recorded Investment $ 14 $ — $ 77 $ — $ 91 Post-Modification Outstanding Recorded Investment 14 — 77 — 91 Subsequent Default, Number of Contracts — — — — — Subsequent Default, Recorded Investment — — — — — Commitments to lend additional funds to modified loans — — — — — 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 — — — — —

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2020
Property, Plant and Equipment [Abstract]
Property, Plant and Equipment	A summary of premises and equipment at December 31, 2020 and 2019 is presented below: 2020 2019 Land and Bank Premises $ 39,624 $ 39,342 Equipment, Furniture and Fixtures 33,276 30,529 Leasehold Improvements 4,632 3,758 Total Cost 77,532 73,629 Accumulated Depreciation and Amortization (39,911) (38,171) Net Owned Premises and Equipment 37,621 35,458 Leased Assets (see Note 18) 4,991 5,171 Net Premises and Equipment $ 42,612 $ 40,629

Other Intangible Assets (Tables

Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2020
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, 2020, 2019 and 2018: Mortgage Servicing Rights 1 Customer Intangibles 2 Total Gross Carrying Amount, December 31, 2020 $ 2,850 $ 4,382 $ 9,479 Accumulated Amortization (2,018) (3,264) (7,529) Net Carrying Amount, December 31, 2020 $ 832 $ 1,118 $ 1,950 Gross Carrying Amount, December 31, 2019 $ 2,229 $ 4,382 $ 8,858 Accumulated Amortization (1,913) (3,037) (7,197) Net Carrying Amount, December 31, 2019 $ 316 $ 1,345 $ 1,661 Rollforward of Intangible Assets: 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 Intangible Assets Acquired 621 — 621 Intangible Assets Disposed — — — Amortization of Intangible Assets (105) (227) (332) Balance, December 31, 2020 $ 832 $ 1,118 $ 1,950 1 Amortization of mortgage servicing rights is reported in the Consolidated Statements of Income as a reduction of mortgage servicing fee income, which is included with fees for other services to customers. 2 Amortization of customer intangibles are reported in the Consolidated Statements of Income as a component of other operating expense.
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, 2020: Mortgage Customer Intangibles Total Estimated Annual Amortization Expense: 2021 $ 181 $ 211 $ 392 2022 160 193 353 2023 140 176 316 2024 132 155 287 2025 132 107 239 2026 and beyond 87 276 363 Total $ 832 $ 1,118 $ 1,950

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2020
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, 2020 and 2019: Balance at December 31, 2020 2019 Notional Amount: Commitments to Extend Credit $ 399,882 $ 349,718 Standby Letters of Credit 3,703 3,129 Fair Value: Commitments to Extend Credit $ — $ — Standby Letters of Credit 28 31

Time Deposits (Tables)

Time Deposits (Tables)	12 Months Ended
	Dec. 31, 2020
Maturities of Time Deposits [Abstract]
Maturities of Time Deposits	The following summarizes the contractual maturities of time deposits during years subsequent to December 31, 2020: Year of Maturity Total Time 2021 $ 218,079 2022 21,998 2023 9,686 2024 6,249 2025 3,835 2026 and beyond 17,746 Total $ 277,593

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2020
Debt Disclosure [Abstract]
Schedule of Short-term Debt	Schedule of Short-Term Borrowings: 2020 2019 Balances at December 31: Overnight Advances from the Federal Home Loan Bank of New York $ — $ 130,000 Securities Sold Under Agreements to Repurchase 17,486 51,099 Total Short-Term Borrowings $ 17,486 $ 181,099 Maximum Borrowing Capacity at December 31: Federal Funds Purchased $ 52,000 $ 67,000 Federal Home Loan Bank of New York 859,592 731,240 Federal Reserve Bank of New York 610,643 583,369
Schedule of Financial Instruments Owned and Pledged as Collateral	Investment securities with a fair value of $19.2 million and $62.4 million were pledged as collateral for the securities sold under agreements to repurchase at December 31, 2020 and 2019, respectively, and are presented in the table below: 2020 2019 Balances at December 31: Mortgage-Backed Securities 19,189 62,372 Total Pledged Collateral for Repo Accounts $ 19,189 $ 62,372
Schedule of Maturities of Long-term Debt	Maturity Schedule of FHLBNY Term Advances : Balances Weighted Average Rate Final Maturity 2020 2019 2020 2019 First Year $ — $ 25,000 — % 2.02 % Second Year 5,000 — 1.81 % — % Third Year 20,000 5,000 1.75 % 1.81 % Fourth Year 20,000 — 1.76 % — % Fifth Year — — — % — % Total $ 45,000 $ 30,000 1.77 % 1.98 %
Schedule of Long-term Debt Instruments	Schedule of Guaranteed Preferred Beneficial Interests in Corporation's Junior Subordinated Debentures 2020 2019 ACST II Balance at December 31, $ 10,000 $ 10,000 Period End: Variable Interest Rate 3.37 % 5.25 % Fixed Interest Rate resulting from cash flow hedge agreement 4.00 % ACST III Balance at December 31, $ 10,000 $ 10,000 Period End: Variable Interest Rate 2.22 % 4.10 % Fixed Interest Rate resulting from cash flow hedge agreement 2.86 %

Comprehensive Income (Loss), _2

Comprehensive Income (Loss), Net of Tax (Tables)	12 Months Ended
	Dec. 31, 2020
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, 2020, 2019 and 2018: Schedule of Comprehensive Income (Loss) Before-Tax Tax Net-of-Tax 2020 Net Unrealized Securities Holding Gains Arising During the Period $ 7,129 (1,823) 5,306 Reclassification Adjustment for Securities Losses Included in Net Income 37 (9) 28 Net Unrealized Gains on Cash Flow Swap 651 (166) 485 Net Retirement Plan Losses (337) 86 (251) Net Retirement Plan Prior Service Cost (472) 119 (353) Amortization of Net Retirement Plan Actuarial Loss 227 (58) 169 Amortization of Net Retirement Plan Prior Service Cost 211 (54) 157 Other Comprehensive Income $ 7,446 $ (1,905) $ 5,541 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 Amortization of Net Retirement Plan Actuarial Loss 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 Cost (453) 115 (338) Amortization of Net Retirement Plan Actuarial Loss 325 (83) 242 Amortization of Net Retirement Plan Actuarial Loss 108 (28) 80 Other Comprehensive Loss $ (6,657) $ 1,692 $ (4,965)
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 Unrealized Losses on Gain On Net Net Prior Available-for- Cash Flow Actuarial Service Sale Securities Swap Gain (Loss) (Cost ) Credit Total For the Year-To-Date periods ended: December 31, 2019 $ 465 $ — $ (5,847) $ (975) $ (6,357) Other comprehensive income (loss) before reclassifications 5,306 485 (251) (353) 5,187 Amounts reclassified from accumulated other comprehensive income 28 169 157 354 Net current-period other comprehensive income (loss) 5,334 485 (82) (196) 5,541 December 31, 2020 $ 5,799 $ 485 $ (5,929) $ (1,171) $ (816) 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) (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, 2020 Unrealized gains and losses on available-for-sale securities $ (37) Loss on Securities Transactions, Net (37) Total before tax 9 Provision for Income Taxes $ (28) Net of tax Amortization of defined benefit pension items Prior-service credit $ (211) (2) Salaries and Employee Benefits Actuarial Loss (227) (2) Salaries and Employee Benefits (438) Total before tax 112 Provision for Income Taxes $ (326) Net of tax Total reclassifications for the period $ (354) Net of tax 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 credit $ (224) (2) Salaries and Employee Benefits Actuarial Loss (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 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, 2018 Unrealized gains and losses on available-for-sale securities $ — Gain on Securities Transactions, Net — Total before tax — Provision for Income Taxes $ — Net of tax Amortization of defined benefit pension items Prior-service credit $ (108) (2) Salaries and Employee Benefits Actuarial Loss (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 (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 retirement benefit plans footnote for additional details).

Stock Based Compensation (Table

Stock Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2020
Share-based Payment Arrangement [Abstract]
Disclosure of Share-based Compensation Arrangements by Share-based Payment Award	Long Term Incentive Plan The Long Term Incentive Plan provides for the grant of incentive stock options, non-qualified stock options, restricted stock, restricted stock units, performance units and performance shares. The Compensation Committee of the Board of Directors administers the Long Term Incentive Plan. Shares Available for Grant at Period-End 178,391 The following table summarizes information about stock option activity for the year ended December 31, 2020. Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at January 1, 2020 248,495 $ 26.78 Granted 52,324 $ 34.25 Exercised (33,895) $ 22.07 Forfeited (2,834) $ 28.79 Outstanding at December 31, 2020 264,090 $ 28.84 6.48 $ 285 Vested at Period-End 140,686 $ 26.06 5.01 $ 542 Expected to Vest 123,404 $ 32.01 8.17 $ — The following table summarizes information about restricted stock unit activity for the year ended December 31, 2020. The Company started granting restricted stock units in 2018. Restricted Stock Units Weighted Average Grant Date Fair Value Non-vested at January 1, 2020 7,721 $ 30.27 Granted 3,942 $ 34.25 Vested — $ — Canceled — $ — Non-vested at December 31, 2020 11,663 $ 31.62 Non-vested at January 1, 2019 3,582 $ 30.70 Granted 4,139 $ 29.89 Vested — $ — Canceled — $ — Non-vested at December 31, 2019 7,721 $ 30.27 Non-vested at January 1, 2018 — $ — Granted 3,582 $ 30.70 Vested — $ — Canceled — $ — Non-vested at December 31, 2018 3,582 30.70 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, 2020. 2020 2019 2018 Amount Expensed During the Year $ 119 $ 75 $ 34 Compensation Costs for Non-vested Awards Not Yet Recognized 141 126 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 $19.70 to $19.73 $20.26 to $20.73 $21.85 to $22.30 $29.89 to $30.01 $33.06 $34.25 Total Outstanding at December 31, 2020 Number of Stock Options Outstanding 8,477 28,623 36,885 97,537 40,244 52,324 264,090 Weighted-Average Remaining Contractual Life (in years) 1.24 2.29 4.73 7.61 6.07 9.08 6.48 Weighted-Average Exercise Price $ 19.72 $ 20.54 $ 22.15 $ 29.95 $ 33.06 $ 34.25 $ 28.83 Vested at December 31, 2020 Number of Stock Options Outstanding 8,477 28,623 36,885 36,032 30,669 — 140,686 Weighted-Average Remaining Contractual Life (in years) 1.24 2.29 4.73 7.44 6.07 0 5.01 Weighted-Average Exercise Price $ 19.72 $ 20.54 $ 22.15 $ 29.97 $ 33.06 $ — $ 26.06
Other Stock Based Compensation Disclosure Table	The following is the Schedule of Other Information on Stock Options Granted. 2020 2019 2018 Stock Options Granted 52,324 55,167 56,722 Weighted Average Grant Date Information: Fair Value of Options Granted $ 4.84 $ 5.42 $ 5.27 Fair Value Assumptions: Dividend Yield 2.90 % 3.26 % 2.98 % Expected Volatility 20.25 % 22.58 % 21.55 % Risk Free Interest Rate 1.53 % 2.63 % 2.68 % Expected Lives (in years) 6.68 8.68 6.98 Amount Expensed During the Year $ 301 $ 316 $ 322 Compensation Costs for Non-vested Awards Not Yet Recognized 440 487 504 Weighted Average Expected Vesting Period, In Years 2.17 2.07 2.74 Proceeds From Stock Options Exercised $ 748 $ 1,792 $ 2,255 Tax Benefits Related to Stock Options Exercised 52 227 240 Intrinsic Value of Stock Options Exercised 282 1,073 1,552
Schedule of Employee Stock Ownership Plan (ESOP) Disclosures	Schedule of ESOP Compensation Expense 2020 2019 2018 ESOP Compensation Expense $ 1,619 $ 1,368 $ 1,400

Retirement Benefit Plans (Table

Retirement Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2020
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' Select Postretirement Defined Benefit Plan Funded Status December 31, 2020 Fair Value of Plan Assets $ 59,837 $ — $ — Benefit Obligation 44,877 5,820 9,028 Funded Status of Plan $ 14,960 $ (5,820) $ (9,028) 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) Change in Benefit Obligation Benefit Obligation, at January 1, 2020 $ 42,322 $ 5,194 $ 8,652 Service Cost 1 1,663 408 123 Interest Cost 2 1,544 192 310 Plan Participants' Contributions — — 454 Amendments 352 122 — Actuarial Loss 2,901 369 151 Benefits Paid (3,905) (465) (662) Benefit Obligation, at December 31, 2020 $ 44,877 $ 5,820 $ 9,028 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 Change in Fair Value of Plan Assets Fair Value of Plan Assets, at January 1, 2020 $ 57,051 $ — $ — Actual Return on Plan Assets 6,691 — — Employer Contributions — 465 208 Plan Participants' Contributions — — 454 Benefits Paid (3,905) (465) (662) Fair Value of Plan Assets, at December 31, 2020 $ 59,837 $ — $ — 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 $ — $ — Accumulated Benefit Obligation at December 31, 2020 $ 44,613 $ 5,740 $ 9,028 Employees' Select Postretirement Amounts Recognized in the Consolidated Balance Sheets December 31, 2020 Prepaid Pension Asset $ 14,960 $ — — Accrued Benefit Liability — (5,820) (9,028) Net Benefit Recognized $ 14,960 $ (5,820) $ (9,028) December 31, 2019 Prepaid Pension Asset $ 14,729 $ — — Accrued Benefit Liability — (5,194) (8,652) Net Benefit Recognized $ 14,729 $ (5,194) $ (8,652) Amounts Recognized in Other Comprehensive Income (Loss) For the Year Ended December 31, 2020 Net Unamortized (Gain) Loss Arising During the Period $ (182) $ 368 $ 151 Net Prior Service Cost Arising During the Period 349 123 — Amortization of Net Loss (81) (146) — Amortization of Prior Service Credit (63) (42) (106) Total Other Comprehensive Income for Pension and $ 23 $ 303 $ 45 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 Loss (Gain) Arising During the Period $ 4,480 $ (17) $ (665) Net Prior Service Cost Arising During the Period — — 453 Amortization of Net Gain (194) (131) — Amortization of Prior Service Credit (Cost) 49 (57) (100) Total Other Comprehensive Income (Loss) for Pension and $ 4,335 $ (205) $ (312) Accumulated Other Comprehensive Income December 31, 2020 Net Actuarial Loss (Gains) $ 5,482 $ 2,497 $ (30) Prior Service Cost 533 459 578 Total Accumulated Other Comprehensive Income, Before Tax $ 6,015 $ 2,956 $ 548 December 31, 2019 Net Actuarial Loss (Gain) $ 5,745 $ 2,275 $ (181) Prior Service Cost 244 378 685 Total Accumulated Other Comprehensive Income, Before Tax $ 5,989 $ 2,653 $ 504 Amounts that will be Amortized from Accumulated Net Actuarial Loss $ — $ 153 $ 30 Prior Service Cost $ 78 $ 48 $ 106 Employees' Select Postretirement Net Periodic Benefit Cost For the Year Ended December 31, 2020 Service Cost 1 $ 1,663 $ 408 $ 123 Interest Cost 2 1,544 192 310 Expected Return on Plan Assets 2 (3,608) — — Amortization of Prior Service Cost 2 63 42 106 Amortization of Net Loss 2 81 146 — Net Periodic Benefit Cost $ (257) $ 788 $ 539 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 Weighted-Average Assumptions Used in December 31, 2020 Discount Rate 3.14 % 3.19 % 3.17 % Rate of Compensation Increase 3.50 % 3.50 % 3.50 % Interest Rate Credit for Determining 3.00 % 3.00 % Interest Rates segments to Annuitize Cash 0.53%, 2.31% and 3.09% 0.53%, 2.31% and 3.09% Interest Rates to Convert Annuities to Actuarially 0.53%,2.31% and 3.09% 0.53%, 2.31% and 3.09% 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 3.00 % 3.00 % Employees' Select Postretirement Weighted-Average Assumptions Used in December 31, 2020 Discount Rate 3.72 % 3.75 % 3.76 % 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 % Interest Rates to Annuitize Cash 0.53%, 2.31% and 3.09% 0.53%, 2.31% and 3.09% Interest Rates to Convert Annuities to Actuarially 0.53%, 2.31% and 3.09% 0.53%, 2.31% and 3.09% 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 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 % 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 Significant Other Observable Inputs Significant Unobservable Inputs Total Percent of Total Target Allocation Minimum Target Allocation Maximum December 31, 2020 Cash $ — $ — $ — $ — — % — % 15.0 % Interest-Bearing Money Market Fund 1,124 — — 1,124 1.9 % — % 15.0 % Arrow Common Stock 1 5,332 — — 5,332 8.9 % — % 10.0 % North Country Funds - Equity 2 25,741 — — 25,741 43.0 % Other Mutual Funds - Equity 17,336 — — 17,336 29.0 % Total Equity Funds 43,077 — — 43,077 72.0 % 55.0 % 85.0 % North Country Funds - Fixed income 2 8,534 — — 8,534 14.3 % Other Mutual Funds - Fixed Income 805 — — 805 1.3 % Total Fixed Income Funds 9,339 — — 9,339 15.6 % 10.0 % 30.0 % Alternative ETF 965 — — 965 1.6 % — % 20.0 % Total $ 59,837 $ — $ — $ 59,837 100.0 % 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 % 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 2021 $ 2,739 $ 453 $ 694 2022 2,604 433 684 2023 3,235 412 664 2024 3,068 580 663 2025 3,417 559 675 2026 - 2030 15,146 2,476 3,280 Estimated Contributions During 2021 $ — $ 453 $ 694 Assumed Health Care Cost Trend Rates December 31, 2020 Health Care Cost Trend 7.00 % Rate to which the Cost Trend 3.78 % Year that the Rate Reaches 2075 December 31, 2019 Health Care Cost Trend 6.75 % Rate to which the Cost Trend 3.78 % Year that the Rate Reaches 2075

Other Expenses (Tables)

Other Expenses (Tables)	12 Months Ended
	Dec. 31, 2020
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: 2020 2019 2018 Legal and Other Professional Fees 2,516 2,469 $ 2,460 Postage and Courier 957 1,051 982 Advertising and Promotion 1,140 1,236 1,083 Stationery and Printing 713 834 782 Intangible Asset Amortization 227 245 262 All Other 3,411 4,595 3,507 Total Other Operating Expense $ 8,964 $ 10,430 $ 9,076

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense (Benefit)	The provision for income taxes is summarized below: Current Tax Expense: 2020 2019 2018 Federal $ 10,791 $ 7,706 $ 7,668 State 2,485 1,550 1,450 Total Current Tax Expense 13,276 9,256 9,118 Deferred Tax Expense (Benefit): Federal (1,569) 427 (40) State (671) (83) (52) Total Deferred Tax Expense (Benefit) (2,240) 344 (92) Total Provision for Income Taxes $ 11,036 $ 9,600 $ 9,026
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 of 21% to pre-tax income as a result of the following: 2020 2019 2018 Statutory Federal Tax Rate 21.0 % 21.0 % 21.0 % Increase (Decrease) Resulting From: Tax-Exempt Income (2.1) (2.7) (3.1) Nondeductible Interest Expense 0.1 0.2 0.1 State Taxes, Net of Federal Income Tax Benefit 2.6 2.3 2.4 Tax benefit from stock based compensation (0.1) (0.3) (0.4) Other Items, Net (0.2) (0.1) (0.1) Effective Tax Rate 21.3 % 20.4 % 19.9 %
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, 2020 and 2019 are presented below: 2020 2019 Deferred Tax Assets: Allowance for Loan Losses $ 7,472 $ 5,383 Lease liabilities 2,717 2,787 Pension and Deferred Compensation Plans 3,149 2,923 Pension Liability Included in Accumulated Other Comprehensive Income 2,439 2,329 Historic Tax Credit 1,394 — Other 385 352 Total Gross Deferred Tax Assets 17,556 13,774 Valuation Allowance for Deferred Tax Assets — — Total Gross Deferred Tax Assets, Net of Valuation Allowance $ 17,556 $ 13,774 Deferred Tax Liabilities: Pension Plans $ 5,368 $ 5,270 Depreciation 3,018 1,943 ROU assets 2,638 2,748 Deferred Income 2,327 3,215 Net Unrealized Gains on Equity Securities 132 240 Net Unrealized Gains on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income 1,991 160 Goodwill 3,474 3,502 Gain on Cash Flow Hedge Agreements 166 $ — Total Gross Deferred Tax Liabilities $ 19,114 $ 17,078 Deferred Tax Liability, Net $ 1,558 $ 3,304

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2020
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, 2020. All share and per share amounts have been adjusted for the September 25, 2020 3% stock dividend. Earnings Per Share Year-to-Date Period Ended: 12/31/2020 12/31/2019 12/31/2018 Earnings Per Share - Basic: Net Income $ 40,827 $ 37,475 $ 36,279 Weighted Average Shares - Basic 15,465 15,388 15,285 Earnings Per Share - Basic $ 2.64 $ 2.44 $ 2.37 Earnings Per Share - Diluted: Net Income $ 40,827 $ 37,475 $ 36,279 Weighted Average Shares - Basic 15,465 15,388 15,285 Dilutive Average Shares Attributable to Stock Options 14 45 85 Weighted Average Shares - Diluted 15,479 15,433 15,370 Earnings Per Share - Diluted $ 2.64 $ 2.43 $ 2.36

Fair Values (Tables)

Fair Values (Tables)	12 Months Ended
	Dec. 31, 2020
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 Significant Other Significant Unobservable Inputs December 31, 2020 Assets: Securities Available-for Sale: U.S. Government & Agency Obligations $ 65,112 $ — $ 65,112 $ — State and Municipal Obligations 528 — 528 — Mortgage-Backed Securities 298,847 — 298,847 — Corporate and Other Debt Securities 800 — 800 — Total Securities Available-for-Sale 365,287 — 365,287 $ — Equity Securities 1,636 — 1,636 — Total Securities Measured on a Recurring Basis 366,923 — 366,923 — Derivatives, included in other assets 5,080 — 5,080 — Total Measured on a Recurring Basis $ 372,003 $ — $ 372,003 $ — Liabilities: Derivatives, included in other liabilities $ 5,080 $ — $ 5,080 $ — Total Measured on a Recurring Basis $ 5,080 $ — $ 5,080 $ — 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 $ — Fair Value of Assets and Liabilities Measured on a Nonrecurring Basis: Fair Value Quoted Prices Significant Other Significant Unobservable Inputs Gains (Losses) Recognized in Earnings December 31, 2020 Collateral Dependent Impaired Loans $ 594 $ — $ — $ 594 $ — Other Real Estate Owned and Repossessed Assets, Net 155 — — 155 — December 31, 2019 Collateral Dependent Impaired Loans $ 285 $ — $ — $ 285 $ — Other Real Estate Owned and Repossessed Assets, Net 1,261 — — 1,261 (186)
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 Fair Level 1 Level 2 Level 3 December 31, 2020 Cash and Cash Equivalents $ 380,991 $ 380,991 $ 380,991 $ — $ — Securities Available-for-Sale 365,287 365,287 — 365,287 — Securities Held-to-Maturity 218,405 226,576 — 226,576 — Equity Securities 1,636 1,636 1,636 Federal Home Loan Bank and Federal Reserve Bank Stock 5,349 5,349 — 5,349 — Net Loans 2,565,798 2,558,903 — — 2,558,903 Accrued Interest Receivable 7,495 7,495 — 7,495 — Derivatives, included in other assets 5,080 5,080 — 5,080 — Deposits 3,234,726 3,234,387 — 3,234,387 — Federal Funds Purchased and Securities Sold Under Agreements to Repurchase 17,486 17,486 — 17,486 — Federal Home Loan Bank Term Advances 45,000 46,474 — 46,474 — Junior Subordinated Obligations Issued 20,000 20,000 — 20,000 — Accrued Interest Payable 326 326 — 326 — Derivatives, included in other liabilities 5,080 5,080 — 5,080 — 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 20,000 20,000 — 20,000 — Accrued Interest Payable 1,436 1,436 — 1,436 — Derivatives, included in other liabilities 69 69 — 69 —

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2020
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, 2020 and December 31, 2019: Twelve Months Ended Finance Lease Amounts: Classification December 31, 2020 December 31, 2019 Right-of-Use Assets Premises and Equipment, Net $ 4,991 $ 5,171 Lease Liabilities Finance Leases 5,217 5,254 Operating Lease Amounts: Right-of-Use Assets Other Assets $ 5,326 $ 5,644 Lease Liabilities Other Liabilities 5,410 5,713 Other Information: Cash Paid For Amounts Included In The Measurement Of Lease Liabilities: Operating Outgoing Cash Flows From Finance Leases $ 196 $ 99 Operating Outgoing Cash Flows From Operating Leases 778 779 Financing Outgoing Cash Flows From Finance Leases 37 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 294 6,266 Weighted-average Remaining Lease Term - Finance Leases (Yrs.) 29.17 30.80 Weighted-average Remaining Lease Term - Operating Leases (Yrs.) 13.05 13.71 Weighted-average Discount Rate—Finance Leases 3.75 % 3.75 % Weighted-average Discount Rate—Operating Leases 3.28 % 3.35 % Lease cost information for the Company's leases is as follows: Three Months Ended Twelve Months Ended December 31, 2020 December 31, 2019 December 31, 2020 December 31, 2019 Lease Cost: Finance Lease Cost: Reduction in the Carrying Amount of Right-of-use assets $ 44 $ 28 $ 177 $ 100 Interest on Lease Liabilities 48 28 196 99 Operating Lease Cost 214 218 838 795 Short-term Lease Cost 8 12 40 85 Variable Lease Cost 39 65 204 205 Total Lease Cost $ 353 $ 351 $ 1,455 $ 1,284
Finance Lease, Liability, Maturity	Future Lease Payments at December 31, 2020 are as follows: Operating Leases Finance Leases Twelve Months Ended: 12/31/2021 $ 743 $ 243 12/31/2022 643 243 12/31/2023 602 243 12/31/2024 580 249 12/31/2025 539 263 Thereafter 3,644 7,800 Total Undiscounted Cash Flows 6,751 9,041 Less: Net Present Value Adjustment 1,341 3,824 Lease Liability $ 5,410 $ 5,217
Lessee, Operating Lease, Liability, Maturity	Future Lease Payments at December 31, 2020 are as follows: Operating Leases Finance Leases Twelve Months Ended: 12/31/2021 $ 743 $ 243 12/31/2022 643 243 12/31/2023 602 243 12/31/2024 580 249 12/31/2025 539 263 Thereafter 3,644 7,800 Total Undiscounted Cash Flows 6,751 9,041 Less: Net Present Value Adjustment 1,341 3,824 Lease Liability $ 5,410 $ 5,217

Derivative Instruments and He_2

Derivative Instruments and Hedging Activities (Tables)	12 Months Ended
	Dec. 31, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
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, 2020 December 31, 2019 Fair value adjustment included in other assets $ 5,080 $ 69 Fair value adjustment included in other liabilities 5,080 69 Notional amount 176,637 44,531
Schedule of Cash Flow Hedges Included in Accumulated Other Comprehensive Income (Loss)	The following table indicates the effect of cash flow hedge accounting on AOCI and on the consolidated statement of income. Derivatives Designated as Hedging Instruments - Cash Flow Hedge Agreements December 31, 2020 December 31, 2019 Amount of gain recognized in AOCI $ 651 $ — Amount of gain reclassified from AOCI interest expense — —

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2020
Equity [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, 2020 and 2019: 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, 2020 Total Capital Arrow $ 364,988 15.5 % $ 247,250 10.5 % $ 235,476 10.0 % Glens Falls National 273,801 15.2 % 189,139 10.5 % 180,132 10.0 % Saratoga National 78,022 14.2 % 57,692 10.5 % 54,945 10.0 % Tier I Capital Arrow 335,756 14.2 % 200,981 8.5 % 189,158 8.0 % Glens Falls National 251,419 13.9 % 153,745 8.5 % 144,702 8.0 % Saratoga National 71,172 13.0 % 46,536 8.5 % 43,798 8.0 % Actual Minimum Amounts For Capital Adequacy Purposes (including "capital conservation buffer") Minimum Amounts To Be Well-Capitalized Amount Ratio Amount Ratio Amount Ratio Tier I Capital Arrow 335,756 9.1 % 147,585 4.0 % 184,481 5.0 % Glens Falls National 251,419 8.7 % 115,595 4.0 % 144,494 5.0 % Saratoga National 71,172 8.9 % 31,987 4.0 % 39,984 5.0 % Common Equity Tier 1 Capital Arrow 315,696 13.4 % 164,916 7.0 % 153,136 6.5 % Glens Falls National 251,359 13.9 % 126,584 7.0 % 117,542 6.5 % Saratoga National 71,172 13.0 % 38,323 7.0 % 35,586 6.5 % As of December 31, 2019 Total Capital 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 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 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 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 %

Parent Only Financial Informa_2

Parent Only Financial Information (Tables)	12 Months Ended
	Dec. 31, 2020
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 2020 2019 Interest-Bearing Deposits with Subsidiary Banks $ — $ 1,429 Equity Securities 1,636 2,063 Investment in Subsidiaries at Equity 341,958 312,018 Other Assets 13,294 9,365 Total Assets $ 356,888 $ 324,875 LIABILITIES Junior Subordinated Obligations Issued to $ 20,000 $ 20,000 Other Liabilities 2,496 3,147 Total Liabilities 22,496 23,147 STOCKHOLDERS’ EQUITY Total Stockholders’ Equity 334,392 301,728 Total Liabilities and Stockholders’ Equity $ 356,888 $ 324,875 STATEMENTS OF INCOME Years Ended December 31, Income: 2020 2019 2018 Dividends from Bank Subsidiaries $ 17,199 $ 14,100 $ 13,300 Interest and Dividends on Investments 49 49 48 Other Income (Including Management Fees) 246 1,006 907 Total Income 17,494 15,155 14,255 Expense: Interest Expense 746 1,024 976 Other Expense 878 875 1,175 Total Expense 1,624 1,899 2,151 Income Before Income Tax Benefit and Equity in Undistributed Net Income of Subsidiaries 15,870 13,256 12,104 Income Tax Benefit 431 466 686 Equity in Undistributed Net Income of Subsidiaries 24,526 23,753 23,489 Net Income $ 40,827 $ 37,475 $ 36,279 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, 2020 2019 2018 Cash Flows from Operating Activities: Net Income $ 40,827 $ 37,475 $ 36,279 Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities: Undistributed Net Income of Subsidiaries (24,526) (23,753) (23,489) Shares Issued Under the Directors’ Stock Plan 125 258 205 Changes in Other Assets and Other Liabilities (3,606) (1,236) (918) Net Cash Provided by Operating Activities 12,820 12,744 12,077 Cash Flows from Financing Activities: Stock Options Exercised 748 1,792 2,255 Shares Issued Under the Employee Stock Purchase Plan 513 493 505 Shares Issued for Dividend Reinvestment Plans 1,808 1,777 1,761 Purchase of Treasury Stock (1,578) (2,469) (2,097) Cash Dividends Paid (15,740) (15,206) (14,389) Net Cash Used in Financing Activities (14,249) (13,613) (11,965) Net Increase (Decrease) in Cash and Cash Equivalents (1,429) (869) 112 Cash and Cash Equivalents at Beginning of the Year 1,429 2,298 2,186 Cash and Cash Equivalents at End of the Year $ — $ 1,429 $ 2,298 Supplemental Disclosures to Statements of Interest Paid $ 746 $ 1,024 $ 976

Risks and Uncertainties - Narra

Risks and Uncertainties - Narrative (Details)	12 Months Ended
	Dec. 31, 2020banksubsidiaryBusinessTrust
Risks and Uncertainties [Abstract]
Number of banks | bank	2
Number of business subsidiary trusts | subsidiaryBusinessTrust	2

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Details)	12 Months Ended
	Dec. 31, 2020plan
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Number of compensation plans	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
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

Cash and Cash Equivalents (Deta

Cash and Cash Equivalents (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash and Cash Equivalents [Abstract]
Cash and Due From Banks	$ 42,116	$ 47,035
Interest-Bearing Deposits at Banks	338,875	23,186
Total Cash and Cash Equivalents	380,991	70,221	$ 84,239	$ 72,838
Total required reserves, including vault cash and Federal Reserve Bank deposits	0	35,985
Restricted cash pledged as collateral related to swap agreements and included in Cash and Due From Banks	$ 500	$ 0

Investment Securities Schedule

Investment Securities Schedule of Available for Sale Securities (Details) $ in Thousands	Dec. 31, 2020USD ($)security	Dec. 31, 2019USD ($)security
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	$ 357,497	$ 356,710
Available-for-Sale	365,287	357,334
Gross Unrealized Gains	8,118	1,904
Gross Unrealized Losses	328	1,280
Maturities of Debt Securities, at Amortized Cost:
Within One Year	12,291
From 1 - 5 Years	323,870
From 5 - 10 Years	21,336
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	12,441
From 1 - 5 Years	331,785
From 5 - 10 Years	21,061
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	29,926	52,491
12 Months or Longer	5,682	97,964
Total	$ 35,608	$ 150,455
Number of Securities in a Continuous Loss Position | security	6	55
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 74	$ 317
12 Months or Longer	254	963
Total	328	1,280
U.S. Treasury and Agency Obligations
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	65,002	5,002
Available-for-Sale	65,112	5,054
Gross Unrealized Gains	184	52
Gross Unrealized Losses	74	0
Maturities of Debt Securities, at Amortized Cost:
Within One Year	0
From 1 - 5 Years	50,002
From 5 - 10 Years	15,000
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	0
From 1 - 5 Years	50,133
From 5 - 10 Years	14,979
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	29,926	0
12 Months or Longer	0	0
Total	$ 29,926	$ 0
Number of Securities in a Continuous Loss Position | security	4	0
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 74	$ 0
12 Months or Longer	0	0
Total	74	0
U.S. Treasury and Agency Obligations | Agency Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	65,002	5,002
Available-for-Sale	65,112	5,054
State and Municipal Obligations
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	528	764
Available-for-Sale	528	764
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Maturities of Debt Securities, at Amortized Cost:
Within One Year	68
From 1 - 5 Years	60
From 5 - 10 Years	400
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	68
From 1 - 5 Years	60
From 5 - 10 Years	400
Over 10 Years	0
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 | security	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	290,967	349,944
Available-for-Sale	298,847	350,716
Gross Unrealized Gains	7,934	1,852
Gross Unrealized Losses	54	1,080
Maturities of Debt Securities, at Amortized Cost:
Within One Year	12,223
From 1 - 5 Years	273,808
From 5 - 10 Years	4,936
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	12,373
From 1 - 5 Years	281,592
From 5 - 10 Years	4,882
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	52,491
12 Months or Longer	4,882	97,164
Total	$ 4,882	$ 149,655
Number of Securities in a Continuous Loss Position | security	1	54
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 317
12 Months or Longer	54	763
Total	54	1,080
Collateralized Mortgage Backed Securities | US Government Agencies Debt Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	12,696	61,102
Available-for-Sale	12,683	60,616
Collateralized Mortgage Backed Securities | US Government-sponsored Enterprises Debt Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	278,271	288,842
Available-for-Sale	286,164	290,100
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 | security	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 | security		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	$ 244,411	$ 164,426

Investment Securities Schedul_2

Investment Securities Schedule of Held to Maturity Securities (Details) $ in Thousands	Dec. 31, 2020USD ($)security	Dec. 31, 2019USD ($)security
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	$ 218,405	$ 245,065
Held-To-Maturity Securities, at Fair Value	226,576	249,618
Gross Unrealized Gains	8,174	4,647
Gross Unrealized Losses	3	94
Held-To-Maturity Securities, Pledged as Collateral, at Fair Value	211,176	237,969
Maturities of Debt Securities, at Amortized Cost:
Within One Year	18,968
From 1 - 5 Years	162,930
From 5 - 10 Years	35,503
Over 10 Years	1,004
Maturities of Debt Securities, at Fair Value:
Within One Year	19,127
From 1 - 5 Years	168,993
From 5 - 10 Years	37,435
Over 10 Years	1,021
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	1,513	1,438
12 Months or Longer	0	1,994
Total	$ 1,513	$ 3,432
Number of Securities in a Continuous Loss Position | security	4	10
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 3	$ 85
12 Months or Longer	0	9
Total	3	94
State and Municipal Obligations
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	192,352	208,243
Held-To-Maturity Securities, at Fair Value	199,429	212,319
Gross Unrealized Gains	7,080	4,170
Gross Unrealized Losses	3	94
Maturities of Debt Securities, at Amortized Cost:
Within One Year	15,465
From 1 - 5 Years	140,380
From 5 - 10 Years	35,503
Over 10 Years	1,004
Maturities of Debt Securities, at Fair Value:
Within One Year	15,537
From 1 - 5 Years	145,436
From 5 - 10 Years	37,435
Over 10 Years	1,021
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	1,513	1,438
12 Months or Longer	0	1,994
Total	$ 1,513	$ 3,432
Number of Securities in a Continuous Loss Position | security	4	10
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 3	$ 85
12 Months or Longer	0	9
Total	3	94
Collateralized Mortgage Backed Securities
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	26,053	36,822
Held-To-Maturity Securities, at Fair Value	27,147	37,299
Gross Unrealized Gains	1,094	477
Gross Unrealized Losses	0	0
Maturities of Debt Securities, at Amortized Cost:
Within One Year	3,503
From 1 - 5 Years	22,550
From 5 - 10 Years	0
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	3,590
From 1 - 5 Years	23,557
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	0
Total	$ 0	$ 0
Number of Securities in a Continuous Loss Position | security	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
Agency Securities | Collateralized Mortgage Backed Securities
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	9,440	1,703
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	9,762	1,720
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	16,613	35,119
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	$ 17,385	$ 35,579

Investment Securities Equity Se

Investment Securities Equity Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Equity Securities, at Fair Value	$ 1,636	$ 2,063
Net (Loss) Gain on Equity Securities	(427)	289	$ 213
Less: Net gain (loss) recognized during the reporting period on equity securities sold during the period	0	0
Unrealized net (loss) gain recognized during the reporting period on equity securities still held at the reporting date	$ (427)	$ 289

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, 2020	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Federal Reserve Bank Stock	$ 1,150	$ 1,138
Federal Home Loan Bank Stock	4,199	9,179
Total Federal Reserve Bank and Federal Home Loan Bank Stock	$ 5,349	$ 10,317

Loans Categories and Past Due L

Loans Categories and Past Due Loans (Details) $ in Thousands	Dec. 31, 2020USD ($)loan_portfolio	Dec. 31, 2019USD ($)
Financing Receivable, Past Due [Line Items]
Loans receivable, held-for-sale	$ 11,085	$ 150
Total Loans Past Due	13,783	13,606
Current Loans	2,581,247	2,372,514
Total Loans	2,595,030	2,386,120
Loans 90 or More Days Past Due and Still Accruing Interest	228	253
Nonaccrual Loans	$ 6,033	4,005
Financing receivable, number of loan portfolios | loan_portfolio	4
Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	$ 5,339	5,972
Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	4,105	5,035
Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	4,339	2,599
Commercial
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	293	213
Current Loans	240,261	150,447
Total Loans	240,554	150,660
Loans 90 or More Days Past Due and Still Accruing Interest	0	0
Nonaccrual Loans	78	81
Commercial | Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	102	150
Commercial | Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	113	42
Commercial | Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	78	21
Commercial Real Estate
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	1,658	592
Current Loans	570,129	509,949
Total Loans	571,787	510,541
Loans 90 or More Days Past Due and Still Accruing Interest	184	0
Nonaccrual Loans	1,475	326
Commercial Real Estate | Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	0	0
Commercial Real Estate | Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	0	266
Commercial Real Estate | Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	1,658	326
Other Consumer
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	9,068	8,815
Current Loans	850,700	802,383
Total Loans	859,768	811,198
Loans 90 or More Days Past Due and Still Accruing Interest	0	0
Nonaccrual Loans	1,470	663
Other Consumer | Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	4,976	5,670
Other Consumer | Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	2,713	2,700
Other Consumer | Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	1,379	445
Residential Portfolio Segment
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	2,764	3,986
Current Loans	920,157	909,735
Total Loans	922,921	913,721
Loans 90 or More Days Past Due and Still Accruing Interest	44	253
Nonaccrual Loans	3,010	2,935
Residential Portfolio Segment | Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	261	152
Residential Portfolio Segment | Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	1,279	2,027
Residential Portfolio Segment | Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Total Loans Past Due	1,224	$ 1,807
Commercial Portfolio Segment | Paycheck Protection Program, CARES Act
Financing Receivable, Past Due [Line Items]
Total Loans	$ 142,700

Loans Supplemental Information

Loans Supplemental Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unamortized deferred loan origination costs, net of deferred loan   origination fees, included in the above balances	$ 1,273	$ 5,181
Overdrawn deposit accounts, included in the above balances	238	2,420
Residential real estate loans serviced for Freddie Mac, not included    in the balances above	$ 190,169	139,094
Minimum | Other Consumer | Automobile Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Principal repayment terms, period	3 years
Minimum | Other Consumer | Credit Card Receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Principal repayment terms, period	1 year
Maximum | Other Consumer | Automobile Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Principal repayment terms, period	7 years
Maximum | Other Consumer | Credit Card Receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Principal repayment terms, period	5 years
Federal Home Loan Bank Advances
Accounts, Notes, Loans and Financing Receivable [Line Items]
Pledged loans  under a blanket collateral agreement to secure borrowings from the Federal Home Loan Bank of New York	$ 859,592	$ 731,240

Loans Allowance for Loan Losses

Loans Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Beginning balance	$ 21,187	$ 20,196	$ 18,586
Charge-offs	(1,989)	(1,735)	(1,532)
Recoveries	715	647	535
Provision	9,319	2,079	2,607
Ending balance	29,232	21,187	20,196
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Allowance for loan losses - Loans Individually Evaluated for Impairment	41	47
Allowance for loan losses - Loans Collectively Evaluated for Impairment	29,191	21,140
Ending Loan Balance - Individually Evaluated for Impairment	2,703	1,101
Ending Loan Balance - Collectively Evaluated for Impairment	2,592,327	2,385,019
Commercial
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Beginning balance	1,386	1,218	1,873
Charge-offs	(37)	(12)	(153)
Recoveries	3	98	3
Provision	821	82	(505)
Ending balance	2,173	1,386	1,218
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Allowance for loan losses - Loans Individually Evaluated for Impairment	19	5
Allowance for loan losses - Loans Collectively Evaluated for Impairment	2,154	1,381
Ending Loan Balance - Individually Evaluated for Impairment	47	35
Ending Loan Balance - Collectively Evaluated for Impairment	240,507	150,625
Commercial Real Estate
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Beginning balance	5,830	5,644	4,504
Charge-offs	(5)	(29)	(17)
Recoveries	0	0	12
Provision	4,165	215	1,145
Ending balance	9,990	5,830	5,644
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	9,990	5,830
Ending Loan Balance - Individually Evaluated for Impairment	1,128	0
Ending Loan Balance - Collectively Evaluated for Impairment	570,659	510,541
Other Consumer
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Beginning balance	9,408	8,882	7,604
Charge-offs	(1,898)	(1,603)	(1,246)
Recoveries	712	549	520
Provision	3,340	1,580	2,004
Ending balance	11,562	9,408	8,882
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	11,562	9,408
Ending Loan Balance - Individually Evaluated for Impairment	111	107
Ending Loan Balance - Collectively Evaluated for Impairment	859,657	811,091
Residential Portfolio Segment
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Beginning balance	4,563	4,452	4,605
Charge-offs	(49)	(91)	(116)
Recoveries	0	0	0
Provision	993	202	(37)
Ending balance	5,507	4,563	$ 4,452
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Allowance for loan losses - Loans Individually Evaluated for Impairment	22	42
Allowance for loan losses - Loans Collectively Evaluated for Impairment	5,485	4,521
Ending Loan Balance - Individually Evaluated for Impairment	1,417	959
Ending Loan Balance - Collectively Evaluated for Impairment	$ 921,504	$ 912,762

Loans Credit Quality Indicators

Loans Credit Quality Indicators (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Credit Quality Indicator [Line Items]
Net Loans	$ 2,565,798	$ 2,364,933
Satisfactory
Financing Receivable, Credit Quality Indicator [Line Items]
Net Loans	754,960	628,550
Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Net Loans	17,787	295
Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Net Loans	39,594	32,356
Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Net Loans	0	0
Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Net Loans	1,778,165	1,721,068
Nonperforming
Financing Receivable, Credit Quality Indicator [Line Items]
Net Loans	4,524	3,851
Commercial | Satisfactory
Financing Receivable, Credit Quality Indicator [Line Items]
Net Loans	229,351	144,283
Commercial | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Net Loans	1,574	32
Commercial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Net Loans	9,629	6,345
Commercial | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Net Loans	0	0
Commercial Real Estate | Satisfactory
Financing Receivable, Credit Quality Indicator [Line Items]
Net Loans	525,609	484,267
Commercial Real Estate | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Net Loans	16,213	263
Commercial Real Estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Net Loans	29,965	26,011
Commercial Real Estate | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Net Loans	0	0
Other Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Mortgage loans in process of foreclosure, amount	660
Other Consumer | Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Net Loans	858,298	810,535
Other Consumer | Nonperforming
Financing Receivable, Credit Quality Indicator [Line Items]
Net Loans	1,470	663
Residential Portfolio Segment | Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Net Loans	919,867	910,533
Residential Portfolio Segment | Nonperforming
Financing Receivable, Credit Quality Indicator [Line Items]
Net Loans	$ 3,054	$ 3,188

Loans Impaired Loans (Details)

Loans Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Recorded Investment:
With No Related Allowance	$ 2,410	$ 807
With a Related Allowance	290	294
Unpaid Principal Balance:
With No Related Allowance	2,413	806
With a Related Allowance	291	295
Average Recorded Balance:
With No Related Allowance	1,609	1,869	$ 2,537
With a Related Allowance	292	294	920
Interest Income Recognized:
With No Related Allowance	11	9	19
With a Related Allowance	0	0	0
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	0
With a Related Allowance	46	34
Unpaid Principal Balance:
With No Related Allowance	0	0
With a Related Allowance	47	35
Average Recorded Balance:
With No Related Allowance	0	215	215
With a Related Allowance	40	17	243
Interest Income Recognized:
With No Related Allowance	0	0	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
Commercial Real Estate
Recorded Investment:
With No Related Allowance	1,124	0
With a Related Allowance	0	0
Unpaid Principal Balance:
With No Related Allowance	1,128	0
With a Related Allowance	0	0
Average Recorded Balance:
With No Related Allowance	562	397	787
With a Related Allowance	0	0	363
Interest Income Recognized:
With No Related Allowance	0	0	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
Other Consumer
Recorded Investment:
With No Related Allowance	112	108
With a Related Allowance	0	0
Unpaid Principal Balance:
With No Related Allowance	111	107
With a Related Allowance	0	0
Average Recorded Balance:
With No Related Allowance	110	105	98
With a Related Allowance	0	0	0
Interest Income Recognized:
With No Related Allowance	1	1	1
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	1,174	699
With a Related Allowance	244	260
Unpaid Principal Balance:
With No Related Allowance	1,174	699
With a Related Allowance	244	260
Average Recorded Balance:
With No Related Allowance	937	1,152	1,437
With a Related Allowance	252	277	314
Interest Income Recognized:
With No Related Allowance	10	8	18
With a Related Allowance	0	0	0
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, 2020USD ($)contractloan	Dec. 31, 2019USD ($)loancontract	Dec. 31, 2018USD ($)contractloan
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	6	6	6
Pre-Modification Outstanding Recorded Investment	$ 91	$ 68	$ 82
Post-Modification Outstanding Recorded Investment	$ 91	$ 68	$ 82
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	1	0	1
Pre-Modification Outstanding Recorded Investment	$ 14	$ 0	$ 38
Post-Modification Outstanding Recorded Investment	$ 14	$ 0	$ 38
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	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
Other Consumer
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	5	6	5
Pre-Modification Outstanding Recorded Investment	$ 77	$ 68	$ 44
Post-Modification Outstanding Recorded Investment	$ 77	$ 68	$ 44
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
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

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Property, Plant and Equipment [Line Items]
Total Cost	$ 77,532	$ 73,629
Accumulated Depreciation and Amortization	(39,911)	(38,171)
Net Owned Premises and Equipment	37,621	35,458
Leased Assets	4,991	5,171
Net Premises and Equipment	42,612	40,629
Land and Bank Premises
Property, Plant and Equipment [Line Items]
Total Cost	39,624	39,342
Equipment, Furniture and Fixtures
Property, Plant and Equipment [Line Items]
Total Cost	33,276	30,529
Leasehold Improvements
Property, Plant and Equipment [Line Items]
Total Cost	$ 4,632	$ 3,758

Premises and Equipment Suppleme

Premises and Equipment Supplemental Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Property, Plant and Equipment [Abstract]
Depreciation	$ 3,080	$ 2,211	$ 1,891

Other Intangible Assets Schedul

Other Intangible Assets Schedule of Finite-Lived Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2020	Dec. 31, 2019
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount				$ 9,479	$ 8,858
Accumulated Amortization				(7,529)	(7,197)
Net Carrying Amount	$ 1,661	$ 1,852	$ 1,852	1,950	1,661
Rollforward of Intangible Assets:
Beginning balance	1,661	1,852	2,289
Intangible Assets Acquired	621	168	0
Intangible Assets Disposed	0	0	0
Amortization of Intangible Assets	(332)	(359)	(437)
Ending balance	1,950	1,661	1,852
Mortgage Servicing Rights
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount				2,850	2,229
Accumulated Amortization				(2,018)	(1,913)
Net Carrying Amount	832	262	262	832	316
Rollforward of Intangible Assets:
Beginning balance	316	262	437
Intangible Assets Acquired	621	168	0
Intangible Assets Disposed	0	0	0
Amortization of Intangible Assets	(105)	(114)	(175)
Ending balance	832	316	262
Customer Intangibles
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount				4,382	4,382
Accumulated Amortization				(3,264)	(3,037)
Net Carrying Amount	1,345	1,345	1,590	$ 1,118	$ 1,345
Rollforward of Intangible Assets:
Beginning balance	1,345	1,590	1,852
Intangible Assets Acquired	0	0	0
Intangible Assets Disposed	0	0	0
Amortization of Intangible Assets	(227)	(245)	(262)
Ending balance	$ 1,118	$ 1,345	$ 1,590

Other Intangible Assets Sched_2

Other Intangible Assets Schedule of Finite-Lived Intangible Assets, Future Amortization Expense (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Finite-Lived Intangible Assets [Line Items]
2021	$ 392
2022	353
2023	316
2024	287
2025	239
2026 and beyond	363
Net Carrying Amount	1,950	$ 1,661	$ 1,852	$ 2,289
Mortgage Servicing Rights
Finite-Lived Intangible Assets [Line Items]
2021	181
2022	160
2023	140
2024	132
2025	132
2026 and beyond	87
Net Carrying Amount	832	316	262	437
Customer Intangibles
Finite-Lived Intangible Assets [Line Items]
2021	211
2022	193
2023	176
2024	155
2025	107
2026 and beyond	276
Net Carrying Amount	$ 1,118	$ 1,345	$ 1,590	$ 1,852

Commitments and Contingencies_2

Commitments and Contingencies (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Commitments to Extend Credit
Guarantor Obligations [Line Items]
Notional Amount	$ 399,882	$ 349,718
Fair Value	0	0
Standby Letters of Credit
Guarantor Obligations [Line Items]
Notional Amount	3,703	3,129
Fair Value	$ 28	$ 31
Standby Letters of Credit | Minimum
Guarantor Obligations [Line Items]
Loan commitments, fixed fee percent	1.00%
Standby Letters of Credit | Maximum
Guarantor Obligations [Line Items]
Loan commitments, fixed fee percent	3.00%

Time Deposits (Details)

Time Deposits (Details) $ in Thousands	Dec. 31, 2020USD ($)
Maturities of Time Deposits [Abstract]
2021	$ 218,079
2022	21,998
2023	9,686
2024	6,249
2025	3,835
2026 and beyond	17,746
Total	$ 277,593

Debt Schedule of Short Term Deb

Debt Schedule of Short Term Debt (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Short-term Debt [Line Items]
Federal Home Loan Bank Overnight Advances	$ 0	$ 130,000,000
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	17,486,000	51,099,000
Short-term Borrowings	17,486,000	181,099,000
Federal Funds Purchased
Short-term Debt [Line Items]
Maximum Borrowing Capacity	52,000,000	67,000,000
Overnight Advances from the Federal Home Loan Bank of New York
Short-term Debt [Line Items]
Federal Home Loan Bank of New York	859,592,000	731,240,000
Federal Reserve Bank of New York
Short-term Debt [Line Items]
Maximum Borrowing Capacity	$ 610,643,000	$ 583,369,000

Debt - Narrative (Details)

Debt - Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)subsidiaryBusinessTrustclass	Dec. 31, 2019USD ($)
Debt Instrument [Line Items]
Securities sold under agreements to repurchase	$ 19,189	$ 62,372
Number of classes of financial instruments | class	2
Number of business subsidiary trusts | subsidiaryBusinessTrust	2
Interest Rate Swap
Debt Instrument [Line Items]
Amount of hedged item	$ 20,000
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%

Debt Investment Securities at F

Debt Investment Securities at Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Debt Instrument [Line Items]
Securities sold under agreements to repurchase	$ 19,189	$ 62,372
Collateralized Mortgage Backed Securities
Debt Instrument [Line Items]
Securities sold under agreements to repurchase	$ 19,189	$ 62,372

Debt Maturities of Long Term De

Debt Maturities of Long Term Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Balances
First Year	$ 0	$ 25,000
Second Year	5,000	0
Third Year	20,000	5,000
Fourth Year	20,000	0
Fifth Year	0	0
Total	$ 45,000	$ 30,000
Weighted Average Rate
First Year	0.00%	2.02%
Second Year	1.81%	0.00%
Third Year	1.75%	1.81%
Fourth Year	1.76%	0.00%
Fifth Year	0.00%	0.00%
Total	1.77%	1.98%

Debt Schedule of Long-term Debt

Debt Schedule of Long-term Debt instruments (Details) - Junior Subordinated Debt - USD ($)	Dec. 31, 2020	Dec. 31, 2019
ACST II
Debt Instrument [Line Items]
Face amount	$ 10,000,000	$ 10,000,000
Variable Interest Rate	3.37%	5.25%
Fixed Interest Rate resulting from cash flow hedge agreement	4.00%
ACST III
Debt Instrument [Line Items]
Face amount	$ 10,000,000	$ 10,000,000
Variable Interest Rate	2.22%	4.10%
Fixed Interest Rate resulting from cash flow hedge agreement	2.86%

Comprehensive Income (Loss), _3

Comprehensive Income (Loss), Net of Tax - Other Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Before-Tax Amount
Other comprehensive income (loss)	$ 7,446	$ 9,993	$ (6,657)
Tax Expense (Benefit)
Other comprehensive income (loss)	(1,905)	(2,540)	1,692
Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent [Abstract]
Other comprehensive income (loss) before reclassifications	5,187	6,776	(5,287)
Reclassification from AOCI, current period	354	677	322
Other Comprehensive Income (Loss)	5,541	7,453	(4,965)
Unrealized Gains and Losses on Available for Sale Securities
Before-Tax Amount
OCI, before reclassifications	7,129	5,580	(2,839)
Reclassification from AOCI, current period	37
Tax Expense (Benefit)
Other comprehensive income (loss) before reclassifications	1,823	1,418	(723)
Reclassification from AOCI, current period	(9)
Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent [Abstract]
Other comprehensive income (loss) before reclassifications	5,306	4,162	(2,116)
Reclassification from AOCI, current period	28	0	0
Other Comprehensive Income (Loss)	5,334	4,162	(2,116)
Net Unrealized Gains on Cash Flow Swap
Before-Tax Amount
OCI, before reclassifications	651
Tax Expense (Benefit)
Other comprehensive income (loss) before reclassifications	166
Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent [Abstract]
Other comprehensive income (loss) before reclassifications	485	0
Reclassification from AOCI, current period		0
Other Comprehensive Income (Loss)	485	0
Net Actuarial Gain (Loss)
Before-Tax Amount
OCI, before reclassifications	(337)	3,505	(3,798)
Tax Expense (Benefit)
Other comprehensive income (loss) before reclassifications	(86)	891	(965)
Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent [Abstract]
Other comprehensive income (loss) before reclassifications	(251)	2,614	(2,833)
Reclassification from AOCI, current period	169	510	242
Other Comprehensive Income (Loss)	(82)	3,124	(2,591)
Net Prior Service (Cost) Credit
Before-Tax Amount
OCI, before reclassifications	(472)		(453)
Tax Expense (Benefit)
Other comprehensive income (loss) before reclassifications	(119)		(115)
Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent [Abstract]
Other comprehensive income (loss) before reclassifications	(353)	0	(338)
Reclassification from AOCI, current period	157	167	80
Other Comprehensive Income (Loss)	(196)	167	(258)
Net Retirement Plan Gains and Losses
Before-Tax Amount
Reclassification from AOCI, current period	227	684	325
Tax Expense (Benefit)
Reclassification from AOCI, current period	(58)	(174)	(83)
Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent [Abstract]
Reclassification from AOCI, current period	169	510	242
Accretion of Net Prior Service (Cost) Credit
Before-Tax Amount
Reclassification from AOCI, current period	211	224	108
Tax Expense (Benefit)
Reclassification from AOCI, current period	(54)	(57)	(28)
Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent [Abstract]
Reclassification from AOCI, current period	$ 157	$ 167	$ 80

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, 2020	Dec. 31, 2019	Dec. 31, 2018
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	$ 301,728	$ 269,584	$ 249,603
Other comprehensive income (loss) before reclassifications	5,187	6,776	(5,287)
Amounts reclassified from accumulated other comprehensive income	354	677	322
Other Comprehensive Income (Loss)	5,541	7,453	(4,965)
Ending balance	334,392	301,728	269,584
Cumulative Effect, Period of Adoption, Adjustment
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance		0
Ending balance			0
Accumulated Other Comprehensive Income (Loss)
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(6,357)	(13,810)	(8,514)
Other Comprehensive Income (Loss)	5,541	7,453	(4,965)
Ending balance	(816)	(6,357)	(13,810)
Accumulated Other Comprehensive Income (Loss) | Cumulative Effect, Period of Adoption, Adjustment
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance			(331)
Unrealized Gains and Losses on Available for Sale Securities
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	465	(3,697)	(1,250)
Other comprehensive income (loss) before reclassifications	5,306	4,162	(2,116)
Amounts reclassified from accumulated other comprehensive income	28	0	0
Other Comprehensive Income (Loss)	5,334	4,162	(2,116)
Ending balance	5,799	465	(3,697)
Unrealized Gains and Losses on Available for Sale Securities | Cumulative Effect, Period of Adoption, Adjustment
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance			(331)
Unrealized Gain on Cash Flow Swap
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	0	0
Other comprehensive income (loss) before reclassifications	485	0
Amounts reclassified from accumulated other comprehensive income		0
Other Comprehensive Income (Loss)	485	0
Ending balance	485	0	0
Net Actuarial Gain (Loss)
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(5,847)	(8,971)	(6,380)
Other comprehensive income (loss) before reclassifications	(251)	2,614	(2,833)
Amounts reclassified from accumulated other comprehensive income	169	510	242
Other Comprehensive Income (Loss)	(82)	3,124	(2,591)
Ending balance	(5,929)	(5,847)	(8,971)
Net Prior Service (Cost) Credit
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(975)	(1,142)	(884)
Other comprehensive income (loss) before reclassifications	(353)	0	(338)
Amounts reclassified from accumulated other comprehensive income	157	167	80
Other Comprehensive Income (Loss)	(196)	167	(258)
Ending balance	$ (1,171)	$ (975)	$ (1,142)

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, 2020	Dec. 31, 2019	Dec. 31, 2018
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Provision for Income Taxes	$ (11,036)	$ (9,600)	$ (9,026)
NET INCOME	40,827	37,475	36,279
Salaries and Employee Benefits	42,061	38,402	38,788
Reclassification out of Accumulated Other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
NET INCOME	(354)	(677)	(322)
Unrealized Gains and Losses on Available for Sale Securities | Reclassification out of Accumulated Other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Loss on Securities Transactions, Net	(37)	0	0
Total before tax	(37)	0	0
Provision for Income Taxes	9	0	0
NET INCOME	(28)	0	0
Net Prior Service (Cost) Credit | Reclassification out of Accumulated Other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and Employee Benefits	(211)	(224)	(108)
Net Actuarial Gain (Loss) | Reclassification out of Accumulated Other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and Employee Benefits	(227)	(684)	(325)
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]
Total before tax	(438)	(908)	(433)
Provision for Income Taxes	112	231	111
NET INCOME	$ (326)	$ (677)	$ (322)

Stock Based Compensation Narrat

Stock Based Compensation Narrative (Details) - plan	12 Months Ended
	Dec. 31, 2020		Sep. 25, 2020	Dec. 31, 2019	Dec. 31, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of compensation plans	3
Stock dividend, percent	300.00%	[1]	300.00%	300.00%	300.00%
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%
[1]	Included in the shares issued for the 3% stock dividend in 2020 were treasury shares of 137,041

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, 2020	Dec. 31, 2019	Dec. 31, 2018
Share-based Payment Arrangement [Abstract]
Shares Available for Grant at Period-End (in shares)	178,391
Shares
Outstanding, Beginning Balance (in shares)	248,495
Granted (in shares)	52,324	55,167	56,722
Exercised (in shares)	(33,895)
Forfeited (in shares)	(2,834)
Outstanding, Ending Balance (in shares)	264,090	248,495
Exercisable (in shares)	140,686
Vested and Expected to Vest (in shares)	123,404
Weighted Average Exercise Price
Beginning balance (in dollars per share)	$ 26.78
Granted (in dollars per share)	34.25
Exercised (in dollars per share)	22.07
Forfeited (in dollars per share)	28.79
Ending balance (in dollars per share)	28.84	$ 26.78
Exercisable (in dollars per share)	26.06
Vested and Expected to Vest (in dollars per share)	$ 32.01
Weighted Average Remaining Contractual Life (in years)
Outstanding (in years)	6 years 5 months 23 days
Exercisable (in years)	5 years 3 days
Vested and Expected to Vest (in years)	8 years 2 months 1 day
Aggregate Intrinsic Value
Outstanding	$ 285
Exercisable	542
Vested and Expected to Vest	$ 0

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, 2020$ / sharesshares
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 28.83
Number of Stock Options Outstanding (in shares) | shares	264,090
Weighted-Average Remaining Contractual Life (in years)	6 years 5 months 23 days
Number of Stock Options Outstanding (in shares) | shares	140,686
Weighted-Average Remaining Contractual Life (in years)	5 years 3 days
Weighted-Average Exercise Price (in dollars per share)	$ 26.06
Exercise Price Range $19.70 to $19.73
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 19.72
Number of Stock Options Outstanding (in shares) | shares	8,477
Weighted-Average Remaining Contractual Life (in years)	1 year 2 months 26 days
Number of Stock Options Outstanding (in shares) | shares	8,477
Weighted-Average Remaining Contractual Life (in years)	1 year 2 months 26 days
Weighted-Average Exercise Price (in dollars per share)	$ 19.72
Exercise Price Range $20.26 to $20.73
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 20.54
Number of Stock Options Outstanding (in shares) | shares	28,623
Weighted-Average Remaining Contractual Life (in years)	2 years 3 months 14 days
Number of Stock Options Outstanding (in shares) | shares	28,623
Weighted-Average Remaining Contractual Life (in years)	2 years 3 months 14 days
Weighted-Average Exercise Price (in dollars per share)	$ 20.54
Exercise Price Range $21.85 to $22.30
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 22.15
Number of Stock Options Outstanding (in shares) | shares	36,885
Weighted-Average Remaining Contractual Life (in years)	4 years 8 months 23 days
Number of Stock Options Outstanding (in shares) | shares	36,885
Weighted-Average Remaining Contractual Life (in years)	4 years 8 months 23 days
Weighted-Average Exercise Price (in dollars per share)	$ 22.15
Exercise Price Range $29.89 to $30.01
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 29.95
Number of Stock Options Outstanding (in shares) | shares	97,537
Weighted-Average Remaining Contractual Life (in years)	7 years 7 months 9 days
Number of Stock Options Outstanding (in shares) | shares	36,032
Weighted-Average Remaining Contractual Life (in years)	7 years 5 months 8 days
Weighted-Average Exercise Price (in dollars per share)	$ 29.97
Exercise Price Range $33.06
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 33.06
Number of Stock Options Outstanding (in shares) | shares	40,244
Weighted-Average Remaining Contractual Life (in years)	6 years 25 days
Number of Stock Options Outstanding (in shares) | shares	30,669
Weighted-Average Remaining Contractual Life (in years)	6 years 25 days
Weighted-Average Exercise Price (in dollars per share)	$ 33.06
Exercise Price Range $34.25
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 34.25
Number of Stock Options Outstanding (in shares) | shares	52,324
Weighted-Average Remaining Contractual Life (in years)	9 years 29 days
Number of Stock Options Outstanding (in shares) | shares	0
Weighted-Average Remaining Contractual Life (in years)	0 years
Weighted-Average Exercise Price (in dollars per share)	$ 0
Minimum | Exercise Price Range $19.70 to $19.73
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	19.70
Minimum | Exercise Price Range $20.26 to $20.73
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	20.26
Minimum | Exercise Price Range $21.85 to $22.30
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	21.85
Minimum | Exercise Price Range $29.89 to $30.01
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	29.89
Maximum | Exercise Price Range $19.70 to $19.73
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	19.73
Maximum | Exercise Price Range $20.26 to $20.73
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	20.73
Maximum | Exercise Price Range $21.85 to $22.30
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	22.30
Maximum | Exercise Price Range $29.89 to $30.01
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 30.01

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, 2020	Dec. 31, 2019	Dec. 31, 2018
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Stock Options Granted (in shares)	52,324	55,167	56,722
Weighted Average Grant Date Information:
Fair Value of Options Granted, Weighted Average Grant Date (in dollars per share)	$ 4.84	$ 5.42	$ 5.27
Fair Value Assumptions:
Dividend Yield	2.90%	3.26%	2.98%
Expected Volatility	20.25%	22.58%	21.55%
Risk Free Interest Rate	1.53%	2.63%	2.68%
Expected Lives (in years)	6 years 8 months 4 days	8 years 8 months 4 days	6 years 11 months 23 days
Amount Expensed During the Year	$ 301	$ 316	$ 322
Compensation Costs for Non-vested Awards Not Yet Recognized	$ 440	$ 487	$ 504
Weighted Average Expected Vesting Period (in years)	2 years 2 months 1 day	2 years 25 days	2 years 8 months 26 days
Proceeds From Stock Options Exercised	$ 748	$ 1,792	$ 2,255
Tax Benefits Related to Stock Options Exercised	52	227	240
Intrinsic Value of Stock Options Exercised	$ 282	$ 1,073	$ 1,552

Stock Based Compensation Restri

Stock Based Compensation Restricted Stock Units Information (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Weighted Average Grant Date Fair Value
Amount Expensed During the Year	$ 420	$ 391	$ 356
Restricted Stock Units (RSUs)
Restricted Stock Units
Beginning balance, nonvested (in shares)	7,721	3,582	0
Granted (in shares)	3,942	4,139	3,582
Vested (in shares)	0	0	0
Canceled (in shares)	0	0	0
Ending balance, nonvested (in shares)	11,663	7,721	3,582
Weighted Average Grant Date Fair Value
Beginning balance, nonvested (in dollars per share)	$ 30.27	$ 30.70	$ 0
Granted (in dollars per share)	34.25	29.89	30.70
Vested (in dollars per share)	0	0	0
Canceled (in dollars per share)	0	0	0
Ending balance, nonvested (in dollars per share)	$ 31.62	$ 30.27	$ 30.70
Amount Expensed During the Year	$ 119	$ 75	$ 34
Compensation Costs for Non-vested Awards Not Yet Recognized	$ 141	$ 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, 2020	Dec. 31, 2019	Dec. 31, 2018
Employee Stock Ownership Plan (ESOP), Shares in ESOP [Abstract]
ESOP Compensation Expense	$ 1,619	$ 1,368	$ 1,400

Retirement Benefit Plans (Detai

Retirement Benefit Plans (Details)	12 Months Ended
	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Defined Benefit Plan Disclosure [Line Items]
Interest credit under cash balance plan	0.030
Employer matching contribution, percent of match, maximum	5.00%
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 57,051,000	$ 57,051,000		$ 59,837,000	$ 57,051,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	57,051,000
Fair Value of Plan Assets, End of Period	59,837,000	57,051,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 57,051,000	$ 57,051,000		$ 59,837,000	$ 57,051,000
Percent of Total				100.00%	100.00%
Expected Future Benefit Payments
Health Care Cost Trend   Rate Assumed for Next Year				7.00%	6.75%
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
Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 57,051,000	$ 57,051,000		$ 59,837,000	$ 57,051,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	57,051,000
Fair Value of Plan Assets, End of Period	59,837,000	57,051,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	57,051,000	57,051,000		59,837,000	57,051,000
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	2,742,000	2,742,000		1,124,000	2,742,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	2,742,000
Fair Value of Plan Assets, End of Period	1,124,000	2,742,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	2,742,000	2,742,000		$ 1,124,000	$ 2,742,000
Percent of Total				1.90%	4.80%
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	2,742,000	2,742,000		$ 1,124,000	$ 2,742,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	2,742,000
Fair Value of Plan Assets, End of Period	1,124,000	2,742,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	2,742,000	2,742,000		1,124,000	2,742,000
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	6,542,000	6,542,000		5,332,000	6,542,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	6,542,000
Fair Value of Plan Assets, End of Period	5,332,000	6,542,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	6,542,000	6,542,000		$ 5,332,000	$ 6,542,000
Percent of Total				8.90%	11.50%
Common Stock | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	6,542,000	6,542,000		$ 5,332,000	$ 6,542,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	6,542,000
Fair Value of Plan Assets, End of Period	5,332,000	6,542,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	6,542,000	6,542,000		5,332,000	6,542,000
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	21,209,000	21,209,000		25,741,000	21,209,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	21,209,000
Fair Value of Plan Assets, End of Period	25,741,000	21,209,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	21,209,000	21,209,000		$ 25,741,000	$ 21,209,000
Percent of Total				43.00%	37.20%
North Country Funds - Equity | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	21,209,000	21,209,000		$ 25,741,000	$ 21,209,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	21,209,000
Fair Value of Plan Assets, End of Period	25,741,000	21,209,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	21,209,000	21,209,000		25,741,000	21,209,000
North Country 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
North Country 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
Other Mutual Funds - Equity
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	15,868,000	15,868,000		17,336,000	15,868,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	15,868,000
Fair Value of Plan Assets, End of Period	17,336,000	15,868,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	15,868,000	15,868,000		$ 17,336,000	$ 15,868,000
Percent of Total				29.00%	27.80%
Other Mutual Funds - Equity | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	15,868,000	15,868,000		$ 17,336,000	$ 15,868,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	15,868,000
Fair Value of Plan Assets, End of Period	17,336,000	15,868,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	15,868,000	15,868,000		17,336,000	15,868,000
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	37,077,000	37,077,000		43,077,000	37,077,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	37,077,000
Fair Value of Plan Assets, End of Period	43,077,000	37,077,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	37,077,000	37,077,000		$ 43,077,000	$ 37,077,000
Percent of Total				72.00%	65.00%
Equity Funds | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	37,077,000	37,077,000		$ 43,077,000	$ 37,077,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	37,077,000
Fair Value of Plan Assets, End of Period	43,077,000	37,077,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	37,077,000	37,077,000		43,077,000	37,077,000
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	8,692,000	8,692,000		8,534,000	8,692,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	8,692,000
Fair Value of Plan Assets, End of Period	8,534,000	8,692,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	8,692,000	8,692,000		$ 8,534,000	$ 8,692,000
Percent of Total				14.30%	15.20%
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	8,692,000	8,692,000		$ 8,534,000	$ 8,692,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	8,692,000
Fair Value of Plan Assets, End of Period	8,534,000	8,692,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	8,692,000	8,692,000		8,534,000	8,692,000
North Country 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
North Country 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
Other Mutual Funds - Fixed Income
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	793,000	793,000		805,000	793,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	793,000
Fair Value of Plan Assets, End of Period	805,000	793,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	793,000	793,000		$ 805,000	$ 793,000
Percent of Total				1.30%	1.40%
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	793,000	793,000		$ 805,000	$ 793,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	793,000
Fair Value of Plan Assets, End of Period	805,000	793,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	793,000	793,000		805,000	793,000
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	9,485,000	9,485,000		9,339,000	9,485,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	9,485,000
Fair Value of Plan Assets, End of Period	9,339,000	9,485,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	9,485,000	9,485,000		$ 9,339,000	$ 9,485,000
Percent of Total				15.60%	16.60%
Fixed Income Funds | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	9,485,000	9,485,000		$ 9,339,000	$ 9,485,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	9,485,000
Fair Value of Plan Assets, End of Period	9,339,000	9,485,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	9,485,000	9,485,000		9,339,000	9,485,000
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	1,205,000	1,205,000		965,000	1,205,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	1,205,000
Fair Value of Plan Assets, End of Period	965,000	1,205,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	1,205,000	1,205,000		$ 965,000	$ 1,205,000
Percent of Total				1.60%	2.10%
Alternative ETF | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	1,205,000	1,205,000		$ 965,000	$ 1,205,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	1,205,000
Fair Value of Plan Assets, End of Period	965,000	1,205,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	1,205,000	1,205,000		965,000	1,205,000
Alternative ETF | 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
Alternative ETF | 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
Employees' Pension Plan
Defined Benefit Plan Disclosure [Line Items]
Assumptions used calculating benefit obligation, interest rate to annuitize cash balance account				0.53%
Defined benefit plan, increase in benefit payable, percent				3.00%
Defined benefit plan, amortization of service cost	9 years 8 months 12 days
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 57,051,000	57,051,000	$ 48,445,000	$ 59,837,000	57,051,000
Benefit Obligation	42,322,000	42,322,000	38,069,000	44,877,000	42,322,000
Funded Status of Plan				14,960,000	14,729,000
Change in Benefit Obligation
Benefit Obligation, Beginning of Period	42,322,000	38,069,000
Service Cost	1,663,000	1,527,000	1,557,000
Interest Cost	1,544,000	1,765,000	1,598,000
Plan Participants' Contributions	0	0
Amendments	351,638
Actuarial Loss	2,901,000	2,960,000
Benefits Paid	(3,905,000)	(1,999,000)
Benefit Obligation, End of Period	44,877,000	42,322,000	38,069,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	57,051,000	48,445,000
Actual Return on Plan Assets	6,691,000	10,605,000
Employer Contributions	0	0
Plan Participants' Contributions	0	0
Benefits Paid	(3,905,000)	(1,999,000)
Fair Value of Plan Assets, End of Period	59,837,000	57,051,000	48,445,000
Accumulated Benefit Obligation at December 31, 2020				44,613,000
Amounts Recognized in the Consolidated Balance Sheets
Prepaid Pension Asset				14,960,000	14,729,000
Accrued Benefit Liability				0	0
Net Benefit Recognized				14,960,000	14,729,000
Amounts Recognized in Other Comprehensive Income (Loss)
Net Unamortized (Gain) Loss Arising During the Period	(182,000)	(4,584,000)	4,480,000
Net Prior Service Cost Arising During the Period	349,000		0
Amortization of Net (Loss) Gain	(81,000)	(613,000)	(194,000)
Amortization of Prior Service Credit	(63,000)	(69,000)	49,000
Total Other Comprehensive Income for Pension and Other Postretirement Benefit Plans	23,000	(5,266,000)	4,335,000
Accumulated Other Comprehensive Income
Net Actuarial Loss (Gains)				5,482,000	5,745,000
Prior Service Cost				533,000	244,000
Total Accumulated Other Comprehensive Income, Before Tax				6,015,000	$ 5,989,000
Amounts that will be Amortized from Accumulated Other Comprehensive Income the Next Year
Net Actuarial Loss				0
Prior Service Cost				$ 78,000
Net Periodic Benefit Cost
Service Cost	1,663,000	1,527,000	1,557,000
Interest Cost	1,544,000	1,765,000	1,598,000
Expected Return on Plan Assets	(3,608,000)	(3,060,000)	(3,362,000)
Amortization of Prior Service (Credit) Cost	63,000	69,000	(49,000)
Amortization of Net Loss	81,000	613,000	194,000
Net Periodic Benefit Cost	$ (257,000)	$ 914,000	$ (62,000)
Weighted-Average Assumptions Used in Calculating Benefit Obligation
Discount Rate				3.14%	3.72%
Rate of Compensation Increase				3.50%	3.50%
Interest Rate Credit for Determining Projected Cash Balance Account				3.00%	3.00%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment One				0.53%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment Two				2.31%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment Three				3.09%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment One				0.53%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Two				2.31%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Three				3.09%
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Discount Rate	3.72%	4.81%	4.24%
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, Segment One	0.53%
Interest Rate to Annuitize Cash Balance Account, Segment Two	2.31%
Interest Rate to Annuitize Cash Balance Account, Segment Three	3.09%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment One	0.53%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Two	2.31%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Three	3.09%
Fair Value of Plan Assets	$ 57,051,000	$ 57,051,000	$ 48,445,000	$ 59,837,000	$ 57,051,000
Expected Future Benefit Payments
2021				2,739,000
2022				2,604,000
2023				3,235,000
2024				3,068,000
2025				3,417,000
2026 - 2030				15,146,000
Estimated Contributions During 2021				$ 0
Select Executive Retirement Plan
Defined Benefit Plan Disclosure [Line Items]
Assumptions used calculating benefit obligation, interest rate to annuitize cash balance account				2.31%
Defined benefit plan, amortization of service cost	12 years 6 months
Defined benefit plan, benefit obligation, period increase (decrease)	$ 122,797
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0	0	$ 0	0
Benefit Obligation	5,194,000	5,194,000	4,710,000	5,820,000	5,194,000
Funded Status of Plan				(5,820,000)	(5,194,000)
Change in Benefit Obligation
Benefit Obligation, Beginning of Period	5,194,000	4,710,000
Service Cost	408,000	324,000	414,000
Interest Cost	192,000	217,000	192,000
Plan Participants' Contributions	0	0
Amendments	122,000
Actuarial Loss	369,000	409,000
Benefits Paid	(465,000)	(466,000)
Benefit Obligation, End of Period	5,820,000	5,194,000	4,710,000
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	465,000	466,000
Plan Participants' Contributions	0	0
Benefits Paid	(465,000)	(466,000)
Fair Value of Plan Assets, End of Period	0	0	0
Accumulated Benefit Obligation at December 31, 2020				5,740,000
Amounts Recognized in the Consolidated Balance Sheets
Prepaid Pension Asset				0	0
Accrued Benefit Liability				(5,820,000)	(5,194,000)
Net Benefit Recognized				(5,820,000)	(5,194,000)
Amounts Recognized in Other Comprehensive Income (Loss)
Net Unamortized (Gain) Loss Arising During the Period	368,000	409,000	(17,000)
Net Prior Service Cost Arising During the Period	123,000		0
Amortization of Net (Loss) Gain	(146,000)	(113,000)	(131,000)
Amortization of Prior Service Credit	(42,000)	(54,000)	(57,000)
Total Other Comprehensive Income for Pension and Other Postretirement Benefit Plans	303,000	242,000	(205,000)
Accumulated Other Comprehensive Income
Net Actuarial Loss (Gains)				2,497,000	2,275,000
Prior Service Cost				459,000	378,000
Total Accumulated Other Comprehensive Income, Before Tax				2,956,000	$ 2,653,000
Amounts that will be Amortized from Accumulated Other Comprehensive Income the Next Year
Net Actuarial Loss				153,000
Prior Service Cost				$ 48,000
Net Periodic Benefit Cost
Service Cost	408,000	324,000	414,000
Interest Cost	192,000	217,000	192,000
Expected Return on Plan Assets	0	0	0
Amortization of Prior Service (Credit) Cost	42,000	54,000	57,000
Amortization of Net Loss	146,000	113,000	131,000
Net Periodic Benefit Cost	$ 788,000	$ 708,000	$ 794,000
Weighted-Average Assumptions Used in Calculating Benefit Obligation
Discount Rate				3.19%	3.75%
Rate of Compensation Increase				3.50%	3.50%
Interest Rate Credit for Determining Projected Cash Balance Account				3.00%	3.00%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment One				0.53%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment Two				2.31%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment Three				3.09%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment One				0.53%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Two				2.31%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Three				3.09%
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Discount Rate	3.75%	4.80%	4.18%
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, Segment One	0.53%
Interest Rate to Annuitize Cash Balance Account, Segment Two	2.31%
Interest Rate to Annuitize Cash Balance Account, Segment Three	3.09%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment One	0.53%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Two	2.31%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Three	3.09%
Fair Value of Plan Assets	$ 0	$ 0	$ 0	$ 0	$ 0
Expected Future Benefit Payments
2021				453,000
2022				433,000
2023				412,000
2024				580,000
2025				559,000
2026 - 2030				2,476,000
Estimated Contributions During 2021				$ 453,000
Postretirement Benefit Plans
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	9,028,000	7,706,000	7,706,000	9,028,000	8,652,000
Funded Status of Plan				(9,028,000)	(8,652,000)
Change in Benefit Obligation
Benefit Obligation, Beginning of Period	8,652,000	7,706,000
Service Cost	123,000	121,000	136,000
Interest Cost	310,000	364,000	333,000
Plan Participants' Contributions	454,000	485,000
Amendments	0
Actuarial Loss	151,000	670,000
Benefits Paid	(662,000)	(694,000)
Benefit Obligation, End of Period	9,028,000	8,652,000	7,706,000
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	208,000	209,000
Plan Participants' Contributions	454,000	485,000
Benefits Paid	(662,000)	(694,000)
Fair Value of Plan Assets, End of Period	0	0	0
Accumulated Benefit Obligation at December 31, 2020				9,028,000
Amounts Recognized in the Consolidated Balance Sheets
Prepaid Pension Asset				0	0
Accrued Benefit Liability				(9,028,000)	(8,652,000)
Net Benefit Recognized				(9,028,000)	(8,652,000)
Amounts Recognized in Other Comprehensive Income (Loss)
Net Unamortized (Gain) Loss Arising During the Period	151,000	670,000	(665,000)
Net Prior Service Cost Arising During the Period	0		453,000
Amortization of Net (Loss) Gain	0	42,000	0
Amortization of Prior Service Credit	(106,000)	(101,000)	(100,000)
Total Other Comprehensive Income for Pension and Other Postretirement Benefit Plans	45,000	611,000	(312,000)
Accumulated Other Comprehensive Income
Net Actuarial Loss (Gains)				(30,000)	(181,000)
Prior Service Cost				578,000	685,000
Total Accumulated Other Comprehensive Income, Before Tax				548,000	$ 504,000
Amounts that will be Amortized from Accumulated Other Comprehensive Income the Next Year
Net Actuarial Loss				30,000
Prior Service Cost				$ 106,000
Net Periodic Benefit Cost
Service Cost	123,000	121,000	136,000
Interest Cost	310,000	364,000	333,000
Expected Return on Plan Assets	0	0	0
Amortization of Prior Service (Credit) Cost	106,000	101,000	100,000
Amortization of Net Loss	0	(42,000)	0
Net Periodic Benefit Cost	$ 539,000	$ 544,000	$ 569,000
Weighted-Average Assumptions Used in Calculating Benefit Obligation
Discount Rate				3.17%	3.76%
Rate of Compensation Increase				3.50%	3.50%
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Discount Rate	3.76%	4.81%	4.22%
Rate of Compensation Increase	3.50%	3.50%	3.50%
Fair Value of Plan Assets	$ 0	$ 0	$ 0	$ 0	$ 0
Expected Future Benefit Payments
2021				694,000
2022				684,000
2023				664,000
2024				663,000
2025				675,000
2026 - 2030				3,280,000
Estimated Contributions During 2021				$ 694,000
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%	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%	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%

Other Expenses (Details)

Other Expenses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Other Income and Expenses [Abstract]
Legal and Other Professional Fees	$ 2,516	$ 2,469	$ 2,460
Postage and Courier	957	1,051	982
Advertising and Promotion	1,140	1,236	1,083
Stationery and Printing	713	834	782
Intangible Asset Amortization	227	245	262
All Other	3,411	4,595	3,507
Total Other Operating Expense	$ 8,964	$ 10,430	$ 9,076

Income Taxes Current Income Tax

Income Taxes Current Income Tax Expense (Benefit), Continuing Operations (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Current Tax Expense:
Federal	$ 10,791	$ 7,706	$ 7,668
State	2,485	1,550	1,450
Total Current Tax Expense	13,276	9,256	9,118
Deferred Tax Expense (Benefit):
Federal	(1,569)	427	(40)
State	(671)	(83)	(52)
Total Deferred Tax Expense (Benefit)	(2,240)	344	(92)
Total Provision for Income Taxes	$ 11,036	$ 9,600	$ 9,026

Income Taxes Effective Income T

Income Taxes Effective Income Tax Rate, Continuing Operations, Tax Rate Reconciliation (Details)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Effective Income Tax Rate Reconciliation, Percent [Abstract]
Statutory Federal Tax Rate	21.00%	21.00%	21.00%
Tax-Exempt Income	(2.10%)	(2.70%)	(3.10%)
Nondeductible Interest Expense	0.10%	0.20%	0.10%
State Taxes, Net of Federal Income Tax Benefit	2.60%	2.30%	2.40%
Tax benefit from stock based compensation	(0.10%)	(0.30%)	(0.40%)
Other Items, Net	(0.20%)	(0.10%)	(0.10%)
Effective Tax Rate	21.30%	20.40%	19.90%

Income Taxes Components of Defe

Income Taxes Components of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Deferred Tax Assets:
Allowance for Loan Losses	$ 7,472	$ 5,383
Lease liabilities	2,717	2,787
Pension and Deferred Compensation Plans	3,149	2,923
Pension Liability Included in Accumulated Other Comprehensive Income	2,439	2,329
Historic Tax Credit	1,394	0
Other	385	352
Total Gross Deferred Tax Assets	17,556	13,774
Valuation Allowance for Deferred Tax Assets	0	0
Total Gross Deferred Tax Assets, Net of Valuation Allowance	17,556	13,774
Deferred Tax Liabilities:
Pension Plans	5,368	5,270
Depreciation	3,018	1,943
ROU assets	2,638	2,748
Deferred Income	2,327	3,215
Net Unrealized Gains on Equity Securities	132	240
Net Unrealized Gains on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income	1,991	160
Goodwill	3,474	3,502
Gain on Cash Flow Hedge Agreements	166	0
Total Gross Deferred Tax Liabilities	19,114	17,078
Deferred Tax Liability, Net	$ 1,558	$ 3,304

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands		12 Months Ended
		Dec. 31, 2020		Dec. 31, 2019	Dec. 31, 2018	Sep. 25, 2020
Earnings Per Share [Abstract]
Stock dividend, percent		300.00%	[1]	300.00%	300.00%	300.00%
Net Income		$ 40,827		$ 37,475	$ 36,279
Weighted Average Shares - Basic (in shares)	[2]	15,465		15,388	15,285
Earnings Per Share - Basic (in dollars per share)	[2]	$ 2.64		$ 2.44	$ 2.37
Dilutive Average Shares Attributable to Stock Options (in shares)		14		45	85
Weighted Average Shares - Diluted (in shares)	[2]	15,479		15,433	15,370
Earnings Per Share - Diluted (in dollars per share)	[2]	$ 2.64		$ 2.43	$ 2.36
[1]	Included in the shares issued for the 3% stock dividend in 2020 were treasury shares of 137,041
[2]	Share and Per Share Amounts have been restated for the September 25, 2020 3% stock dividend.

Fair Values - Recurring and Non

Fair Values - Recurring and Nonrecurring (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	$ 365,287	$ 357,334
Equity Securities	1,636	2,063
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	365,287	357,334
Equity Securities	1,636	2,063
Total Securities Measured on a Recurring Basis	366,923	359,397
Derivatives, included in other assets	5,080	69
Total Measured on a Recurring Basis	372,003	359,466
Derivatives, included in other liabilities	5,080	69
Total Measured on a Recurring Basis	5,080	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	0
Total Measured on a Recurring Basis	0	0
Derivatives, included in other liabilities	0	0
Total Measured on a Recurring Basis	0	0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	365,287	357,334
Equity Securities	1,636	2,063
Total Securities Measured on a Recurring Basis	366,923	359,397
Derivatives, included in other assets	5,080	69
Total Measured on a Recurring Basis	372,003	359,466
Derivatives, included in other liabilities	5,080	69
Total Measured on a Recurring Basis	5,080	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	0
Total Measured on a Recurring Basis	0	0
Derivatives, included in other liabilities	0	0
Total Measured on a Recurring Basis	0	0
Fair Value, Measurements, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral Dependent Impaired Loans	594	285
Gain (Loss) on Collateral Dependent Impaired Loans	0	0
Other Real Estate Owned and Repossessed Assets, Net	155	1,261
Gain (Loss) Other Real Estate and Repossessed Assets, Net	0	(186)
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	594	285
Other Real Estate Owned and Repossessed Assets, Net	155	1,261
U.S. Treasury and Agency Obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	65,112	5,054
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	65,112	5,054
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	65,112	5,054
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	528	764
State and Municipal Obligations | Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	528	764
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	528	764
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	298,847	350,716
Mortgage-Backed Securities - Residential | Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	298,847	350,716
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	298,847	350,716
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, 2020	Dec. 31, 2019
Carrying Amount
Held-To-Maturity Securities	$ 218,405	$ 245,065
Federal Home Loan Bank and Federal Reserve Bank Stock	5,349	10,317
Net Loans	2,565,798	2,364,933
Deposits	3,234,726	2,616,054
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	17,486	51,099
Federal Home Loan Bank Term Advances	45,000	30,000
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Fair Value
Available-for-Sale	365,287	357,334
Held-To-Maturity Securities	226,576	249,618
Equity Securities	1,636	2,063
Federal Home Loan Bank Overnight Advances	0	130,000
Carrying Amount
Carrying Amount
Cash and Cash Equivalents	380,991	70,221
Held-To-Maturity Securities	218,405	245,065
Federal Home Loan Bank and Federal Reserve Bank Stock	5,349	10,317
Net Loans	2,565,798	2,364,933
Accrued Interest Receivable	7,495	7,377
Deposits	3,234,726	2,616,054
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	17,486	51,099
Federal Home Loan Bank Term Advances	45,000	30,000
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Accrued Interest Payable	326	1,436
Fair Value
Available-for-Sale	365,287	357,334
Equity Securities		2,063
Derivatives, included in other assets	5,080	69
Federal Home Loan Bank Overnight Advances		130,000
Derivatives, included in other liabilities	5,080	69
Fair Value
Fair Value
Cash and Cash Equivalents	380,991	70,221
Available-for-Sale	365,287	357,334
Held-To-Maturity Securities	226,576	249,618
Equity Securities	1,636	2,063
Federal Home Loan Bank Stock and Federal Reserve Bank Stock	5,349	10,317
Net Loans	2,558,903	2,332,797
Accrued Interest Receivable	7,495	7,377
Derivatives, included in other assets	5,080	69
Deposits	3,234,387	2,614,170
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	17,486	51,099
Federal Home Loan Bank Overnight Advances		130,000
Federal Home Loan Bank Term Advances	46,474	29,993
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Accrued Interest Payable	326	1,436
Derivatives, included in other liabilities	5,080	69
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value
Fair Value
Cash and Cash Equivalents	380,991	70,221
Available-for-Sale	0	0
Held-To-Maturity Securities	0	0
Equity Securities
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	0
Deposits	0	0
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	0	0
Federal Home Loan Bank Overnight Advances		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	0
Significant Other Observable Inputs (Level 2) | Fair Value
Fair Value
Cash and Cash Equivalents	0	0
Available-for-Sale	365,287	357,334
Held-To-Maturity Securities	226,576	249,618
Equity Securities	1,636	2,063
Federal Home Loan Bank Stock and Federal Reserve Bank Stock	5,349	10,317
Net Loans	0	0
Accrued Interest Receivable	7,495	7,377
Derivatives, included in other assets	5,080	69
Deposits	3,234,387	2,614,170
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	17,486	51,099
Federal Home Loan Bank Overnight Advances		130,000
Federal Home Loan Bank Term Advances	46,474	29,993
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Accrued Interest Payable	326	1,436
Derivatives, included in other liabilities	5,080	69
Significant Unobservable Inputs (Level 3) | Fair Value
Fair Value
Cash and Cash Equivalents	0	0
Available-for-Sale	0	0
Held-To-Maturity Securities	0	0
Equity Securities
Federal Home Loan Bank Stock and Federal Reserve Bank Stock	0	0
Net Loans	2,558,903	2,332,797
Accrued Interest Receivable	0	0
Derivatives, included in other assets	0	0
Deposits	0	0
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	0	0
Federal Home Loan Bank Overnight Advances		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	$ 0

Leases - Narrative (Details)

Leases - Narrative (Details)	12 Months Ended
	Dec. 31, 2020branch_office
Leases [Abstract]
Number of branch offices	4

Leases - Quantitative Lease Dat

Leases - Quantitative Lease Data (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Finance Lease Amounts:
Right-of-Use Assets	$ 4,991	$ 5,171	$ 4,991	$ 5,171
Lease Liabilities	5,217	5,254	5,217	5,254
Operating Lease Amounts:
Right-of-Use Assets	5,326	5,644	5,326	5,644
Lease Liabilities	$ 5,410	$ 5,713	$ 5,410	$ 5,713
Finance Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	us-gaap:PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization		us-gaap:PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	us-gaap:OtherAssets	us-gaap:OtherAssets	us-gaap:OtherAssets	us-gaap:OtherAssets
Operating Lease, Liability, Statement of Financial Position [Extensible List]	us-gaap:OtherLiabilities	us-gaap:OtherLiabilities	us-gaap:OtherLiabilities	us-gaap:OtherLiabilities
Cash Paid For Amounts Included In The Measurement Of Lease Liabilities:
Operating Outgoing Cash Flows From Finance Leases			$ 196	$ 99
Operating Outgoing Cash Flows From Operating Leases			778	779
Financing Outgoing Cash Flows From Finance Leases			37	28
Right-of-Use Assets Obtained In Exchange For New Finance Lease Liabilities			0	5,271
Right-of-Use Assets Obtained In Exchange For New Operating Lease Liabilities			$ 294	$ 6,266
Weighted-average Remaining Lease Term - Finance Leases (Yrs.)	29 years 2 months 1 day	30 years 9 months 18 days	29 years 2 months 1 day	30 years 9 months 18 days
Weighted-average Remaining Lease Term - Operating Leases (Yrs.)	13 years 18 days	13 years 8 months 15 days	13 years 18 days	13 years 8 months 15 days
Weighted-average Discount Rate—Finance Leases	3.75%	3.75%	3.75%	3.75%
Weighted-average Discount Rate—Operating Leases	3.28%	3.35%	3.28%	3.35%
Finance Lease Cost:
Reduction in the Carrying Amount of Right-of-use assets	$ 44	$ 28	$ 177	$ 100
Interest on Lease Liabilities	48	28	196	99	$ 0
Operating Lease Cost	214	218	838	795
Short-term Lease Cost	8	12	40	85
Variable Lease Cost	39	65	204	205
Total Lease Cost	$ 353	$ 351	$ 1,455	$ 1,284

Leases - Future Lease Payments

Leases - Future Lease Payments on Finance and Operating Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Operating Leases
2021	$ 743
2022	643
2023	602
2024	580
2025	539
Thereafter	3,644
Total Undiscounted Cash Flows	6,751
Less: Net Present Value Adjustment	1,341
Lease Liability	5,410	$ 5,713
Finance Leases
2021	243
2022	243
2023	243
2024	249
2025	263
Thereafter	7,800
Total Undiscounted Cash Flows	9,041
Less: Net Present Value Adjustment	3,824
Lease Liabilities	$ 5,217	$ 5,254

Derivative Instruments and He_3

Derivative Instruments and Hedging Activities - Interest Rate Swap Agreements (Details) - Not Designated as Hedging Instrument - Interest Rate Swap - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Derivative [Line Items]
Notional amount	$ 176,637	$ 44,531
Other Assets
Derivative [Line Items]
Derivatives, included in other assets	5,080	69
Other Liabilities
Derivative [Line Items]
Derivatives, included in other liabilities	$ 5,080	$ 69

Derivative Instruments and He_4

Derivative Instruments and Hedging Activities - Cash Flow Hedge Agreements (Details) - Interest Rate Swap - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Derivative [Line Items]
Amount of hedged item	$ 20,000
Amount of gain recognized in AOCI	651	$ 0
Amount of gain reclassified from AOCI interest expense	$ 0	$ 0

Regulatory Matters (Details)

Regulatory Matters (Details) $ in Thousands	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Maximum Subsidiary Dividend	$ 71,800
Parent Company
Actual, Amount
Total Capital (to Risk Weighted Assets)	364,988	$ 330,657
Tier I Capital (to Risk Weighted Assets)	335,756	309,469
Tier One Capital (to Average Assets)	335,756	309,469
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 315,696	$ 289,409
Actual, Ratio
Total Capital (to Risk Weighted Assets)	0.155	0.148
Tier I Capital (to Risk Weighted Assets)	0.142	0.138
Tier One Leverage Capital (to Average Assets)	0.091	0.100
Common Equity Tier 1 Capital (to Risk Weighted Assets)	0.134	0.129
Minimum Amounts For Capital Adequacy, Amount
Total Capital (to Risk Weighted Assets)	$ 247,250	$ 234,588
Tier I Capital (to Risk Weighted Assets)	200,981	190,615
Tier One Leverage Capital (to Average Assets)	147,585	123,788
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 164,916	$ 157,044
Minimum Amounts For Capital Adequacy Purposes, Ratio
Total Capital (to Risk Weighted Assets)	0.105	0.105
Tier I Capital (to Risk Weighted Assets)	0.085	0.085
Tier One Leverage Capital (to Average Assets)	0.040	0.040
Common Equity Tier 1 Capital (to Risk Weighted Assets)	0.070	0.070
Minimum Amounts To Be Well-Capitalized, Amount
Total Capital (to Risk Weighted Assets)	$ 235,476	$ 223,417
Tier I Capital (to Risk Weighted Assets)	189,158	179,402
Tier One Leverage Capital (to Average Assets)	184,481	154,735
Common Equity Tier 1 Leverage Capital (to Risk Weighted Assets)	$ 153,136	$ 145,826
Minimum Amounts To Be Well-Capitalized
Total Capital (to Risk Weighted Assets)	0.100	0.100
Tier One Risk Based Capital (to Risk Weighted Assets)	0.080	0.080
Tier One Leverage Capital (to Average Assets)	0.050	0.050
Common Equity Tier 1 Capital (to Risk Weighted Assets)	0.065	0.065
Glens Falls National
Actual, Amount
Total Capital (to Risk Weighted Assets)	$ 273,801	$ 254,438
Tier I Capital (to Risk Weighted Assets)	251,419	237,546
Tier One Capital (to Average Assets)	251,419	237,546
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 251,359	$ 237,486
Actual, Ratio
Total Capital (to Risk Weighted Assets)	0.152	0.145
Tier I Capital (to Risk Weighted Assets)	0.139	0.135
Tier One Leverage Capital (to Average Assets)	0.087	0.095
Common Equity Tier 1 Capital (to Risk Weighted Assets)	0.139	0.135
Minimum Amounts For Capital Adequacy, Amount
Total Capital (to Risk Weighted Assets)	$ 189,139	$ 184,248
Tier I Capital (to Risk Weighted Assets)	153,745	149,566
Tier One Leverage Capital (to Average Assets)	115,595	100,019
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 126,584	$ 123,141
Minimum Amounts For Capital Adequacy Purposes, Ratio
Total Capital (to Risk Weighted Assets)	0.105	0.105
Tier I Capital (to Risk Weighted Assets)	0.085	0.085
Tier One Leverage Capital (to Average Assets)	0.040	0.040
Common Equity Tier 1 Capital (to Risk Weighted Assets)	0.070	0.070
Minimum Amounts To Be Well-Capitalized, Amount
Total Capital (to Risk Weighted Assets)	$ 180,132	$ 175,474
Tier I Capital (to Risk Weighted Assets)	144,702	140,768
Tier One Leverage Capital (to Average Assets)	144,494	125,024
Common Equity Tier 1 Leverage Capital (to Risk Weighted Assets)	$ 117,542	$ 114,345
Minimum Amounts To Be Well-Capitalized
Total Capital (to Risk Weighted Assets)	0.100	0.100
Tier One Risk Based Capital (to Risk Weighted Assets)	0.080	0.080
Tier One Leverage Capital (to Average Assets)	0.050	0.050
Common Equity Tier 1 Capital (to Risk Weighted Assets)	0.065	0.065
Saratoga National
Actual, Amount
Total Capital (to Risk Weighted Assets)	$ 78,022	$ 65,295
Tier I Capital (to Risk Weighted Assets)	71,172	60,999
Tier One Capital (to Average Assets)	71,172	60,999
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 71,172	$ 60,999
Actual, Ratio
Total Capital (to Risk Weighted Assets)	0.142	0.136
Tier I Capital (to Risk Weighted Assets)	0.130	0.127
Tier One Leverage Capital (to Average Assets)	0.089	0.096
Common Equity Tier 1 Capital (to Risk Weighted Assets)	0.130	0.127
Minimum Amounts For Capital Adequacy, Amount
Total Capital (to Risk Weighted Assets)	$ 57,692	$ 50,412
Tier I Capital (to Risk Weighted Assets)	46,536	40,826
Tier One Leverage Capital (to Average Assets)	31,987	25,416
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 38,323	$ 33,621
Minimum Amounts For Capital Adequacy Purposes, Ratio
Total Capital (to Risk Weighted Assets)	0.105	0.105
Tier I Capital (to Risk Weighted Assets)	0.085	0.085
Tier One Leverage Capital (to Average Assets)	0.040	0.040
Common Equity Tier 1 Capital (to Risk Weighted Assets)	0.070	0.070
Minimum Amounts To Be Well-Capitalized, Amount
Total Capital (to Risk Weighted Assets)	$ 54,945	$ 48,011
Tier I Capital (to Risk Weighted Assets)	43,798	38,425
Tier One Leverage Capital (to Average Assets)	39,984	31,770
Common Equity Tier 1 Leverage Capital (to Risk Weighted Assets)	$ 35,586	$ 31,220
Minimum Amounts To Be Well-Capitalized
Total Capital (to Risk Weighted Assets)	0.100	0.100
Tier One Risk Based Capital (to Risk Weighted Assets)	0.080	0.080
Tier One Leverage Capital (to Average Assets)	0.050	0.050
Common Equity Tier 1 Capital (to Risk Weighted Assets)	0.065	0.065

Parent Only Financial Informa_3

Parent Only Financial Information Parent Only Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
ASSETS
Interest-Bearing Deposits at Banks	$ 338,875	$ 23,186
Equity Securities	1,636	2,063
Other Assets	84,735	70,179
Total Assets	3,688,636	3,184,275
LIABILITIES
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Other Liabilities	31,815	30,140
Total Liabilities	3,354,244	2,882,547
STOCKHOLDERS’ EQUITY
Total Stockholders’ Equity	334,392	301,728	$ 269,584	$ 249,603
Total Liabilities and Stockholders’ Equity	3,688,636	3,184,275
Parent Company
ASSETS
Interest-Bearing Deposits at Banks	0	1,429
Equity Securities	1,636	2,063
Investment in Subsidiaries at Equity	341,958	312,018
Other Assets	13,294	9,365
Total Assets	356,888	324,875
LIABILITIES
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Other Liabilities	2,496	3,147
Total Liabilities	22,496	23,147
STOCKHOLDERS’ EQUITY
Total Stockholders’ Equity	334,392	301,728
Total Liabilities and Stockholders’ Equity	$ 356,888	$ 324,875

Parent Only Financial Informa_4

Parent Only Financial Information Parent Only Income Statement (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Condensed Financial Statements, Captions [Line Items]
Interest and Dividends on Investments	$ 111,896	$ 109,759	$ 96,503
Other Operating Income	3,464	1,477	1,324
Interest Expense	12,694	21,710	12,485
Other Operating Expense	8,964	10,430	9,076
Provision for Income Taxes	11,036	9,600	9,026
Net Income	40,827	37,475	36,279
Parent Company
Condensed Financial Statements, Captions [Line Items]
Dividends from Bank Subsidiaries	17,199	14,100	13,300
Interest and Dividends on Investments	49	49	48
Other Operating Income	246	1,006	907
Total Income	17,494	15,155	14,255
Interest Expense	746	1,024	976
Other Operating Expense	878	875	1,175
Total Expense	1,624	1,899	2,151
Income Before Income Tax Benefit and Equity in Undistributed Net Income of Subsidiaries	15,870	13,256	12,104
Provision for Income Taxes	431	466	686
Equity in Undistributed Net Income of Subsidiaries	24,526	23,753	23,489
Net Income	$ 40,827	$ 37,475	$ 36,279

Parent Only Financial Informa_5

Parent Only Financial Information Parent Only Statement of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Cash Flows from Operating Activities:
Net Income	$ 40,827	$ 37,475	$ 36,279
Shares Issued Under the Directors’ Stock Plan	125	258	205
Net Cash Provided By Operating Activities	42,314	43,944	41,976
Cash Flows from Financing Activities:
Shares Issued for Stock Option Exercises, net	748	1,792	2,255
Shares Issued Under the Employee Stock Purchase Plan	513	493	505
Shares Issued for Dividend Reinvestment Plans	1,808	1,777	1,761
Purchase of Treasury Stock	(1,578)	(2,469)	(2,098)
Cash Dividends Paid	(15,740)	(15,206)	(14,389)
Net Cash Provided By Financing Activities	455,773	134,269	197,195
Net Increase (Decrease) in Cash and Cash Equivalents	310,770	(14,018)	11,401
Cash and Cash Equivalents at Beginning of Year	70,221	84,239	72,838
Cash and Cash Equivalents at End of Year	380,991	70,221	84,239
Interest on Deposits and Borrowings	13,799	20,843	12,212
Parent Company
Cash Flows from Operating Activities:
Net Income	40,827	37,475	36,279
Undistributed Net Income of Subsidiaries	(24,526)	(23,753)	(23,489)
Shares Issued Under the Directors’ Stock Plan	125	258	205
Changes in Other Assets and Other Liabilities	(3,606)	(1,236)	(918)
Net Cash Provided By Operating Activities	12,820	12,744	12,077
Cash Flows from Financing Activities:
Shares Issued for Stock Option Exercises, net	748	1,792	2,255
Shares Issued Under the Employee Stock Purchase Plan	513	493	505
Shares Issued for Dividend Reinvestment Plans	1,808	1,777	1,761
Purchase of Treasury Stock	(1,578)	(2,469)	(2,097)
Cash Dividends Paid	(15,740)	(15,206)	(14,389)
Net Cash Provided By Financing Activities	(14,249)	(13,613)	(11,965)
Net Increase (Decrease) in Cash and Cash Equivalents	(1,429)	(869)	112
Cash and Cash Equivalents at Beginning of Year	1,429	2,298	2,186
Cash and Cash Equivalents at End of Year	0	1,429	2,298
Interest on Deposits and Borrowings	$ 746	$ 1,024	$ 976