Arrow Financial (AROW) 10-K 11 Mar 22 2021 FY Annual report Financial data

Cover Page

Cover Page - USD ($)	12 Months Ended
	Dec. 31, 2021	Feb. 28, 2022	Jun. 30, 2021
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2021
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			$ 558,327,642
Entity Common Stock, Shares Outstanding (in shares)		16,013,980
Documents Incorporated by Reference	Portions of the Registrant’s Proxy Statement for the Annual Meeting of Stockholders to be held May 4, 2022 (Part III).
Auditor Name	KPMG LLP
Auditor Location	Albany, New York
Auditor Firm ID	185
Entity Central Index Key	0000717538
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	FY
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
ASSETS
Cash and Due From Banks	$ 26,978	$ 42,116
Interest-Bearing Deposits at Banks	430,718	338,875
Investments, Debt and Equity Securities [Abstract]
Available-for-Sale	559,316	365,287
Held-to-Maturity (Approximate Fair Value of $201,292 at December 31, 2021, and $226,576 at December 31, 2020)	196,566	218,405
Equity Securities	1,747	1,636
Other Investments	5,380	5,349
Loans	2,667,941	2,595,030
Allowance for Credit Losses	(27,281)	(29,232)
Net Loans	2,640,660	2,565,798
Premises and Equipment, Net	46,217	42,612
Goodwill	21,873	21,873
Other Intangible Assets, Net	1,918	1,950
Other Assets	96,579	84,735
Total Assets	4,027,952	3,688,636
LIABILITIES
Noninterest-Bearing Deposits	810,274	701,341
Interest-Bearing Checking Accounts	994,391	832,434
Savings Deposits	1,531,287	1,423,358
Time Deposits over $250,000	82,811	123,622
Other Time Deposits	131,734	153,971
Total Deposits	3,550,497	3,234,726
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	0	17,486
Federal Home Loan Bank Term Advances	45,000	45,000
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Finance Leases	5,169	5,217
Other Liabilities	36,100	31,815
Total Liabilities	3,656,766	3,354,244
STOCKHOLDERS’ EQUITY
Preferred Stock, $1 Par Value, 1,000,000 Shares Authorized	0	0
Common Stock, $1 Par Value; 30,000,000 Shares Authorized (20,800,144 Shares Issued at December 31, 2021, and 20,194,474 Shares Issued at December 31, 2020)	20,800	20,194
Additional Paid-in Capital	377,996	353,662
Retained Earnings	54,078	41,899
Accumulated Other Comprehensive Loss	347	(816)
Treasury Stock, at Cost (4,759,414 Shares at December 31, 2021, and 4,678,736 Shares at December 31, 2020)	(82,035)	(80,547)
Total Stockholders’ Equity	371,186	334,392
Total Liabilities and Stockholders’ Equity	$ 4,027,952	$ 3,688,636

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Statement of Financial Position [Abstract]
Held-To-Maturity Securities, at Fair Value	$ 201,292	$ 226,576
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)	20,800,144	20,194,474
Treasury Stock, Shares (in shares)	4,759,414	4,678,736

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
INTEREST AND DIVIDEND INCOME
Interest and Fees on Loans		$ 104,985	$ 100,492	$ 95,467
Interest on Deposits at Banks		565	321	722
Interest and Dividends on Investment Securities:
Fully Taxable		6,487	7,131	8,883
Exempt from Federal Taxes		3,513	3,952	4,687
Total Interest and Dividend Income		115,550	111,896	109,759
INTEREST EXPENSE
Interest-Bearing Checking Accounts		731	1,292	1,985
Savings Deposits		1,904	5,090	8,399
Time Deposits over $250,000		261	1,465	1,932
Other Time Deposits		632	2,782	4,224
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase		3	60	100
Federal Home Loan Bank Advances		783	1,063	3,952
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts		686	746	1,019
Interest on Financing Leases		195	196	99
Total Interest Expense		5,195	12,694	21,710
NET INTEREST INCOME		110,355	99,202	88,049
Provision for Credit Losses		272	9,319	2,079
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES		110,083	89,883	85,970
NONINTEREST INCOME
Insurance Commissions		6,487	6,876	7,182
Net Gain (Loss) on Securities		111	(464)	289
Net Gain on Sales of Loans		2,393	3,889	622
Other Operating Income		1,774	3,464	1,477
Total Noninterest Income		32,369	32,658	28,555
NONINTEREST EXPENSE
Salaries and Employee Benefits		44,798	42,061	38,402
Occupancy Expenses, Net		5,814	5,614	5,407
Technology and Equipment Expense		14,870	12,976	13,054
FDIC Assessments		1,042	1,063	157
Other Operating Expense		11,524	8,964	10,430
Total Noninterest Expense		78,048	70,678	67,450
INCOME BEFORE PROVISION FOR INCOME TAXES		64,404	51,863	47,075
Provision for Income Taxes		14,547	11,036	9,600
NET INCOME		$ 49,857	$ 40,827	$ 37,475
Average Shares Outstanding:
Basic (in shares)	[1]	16,018	15,929	15,849
Diluted (in shares)	[1]	16,073	15,944	15,896
Per Common Share:
Basic Earnings (in dollars per share)	[1]	$ 3.11	$ 2.56	$ 2.36
Diluted Earnings (in dollars per share)	[1]	$ 3.10	$ 2.56	$ 2.36
Fiduciary and Trust
NONINTEREST INCOME
Revenue from contract with customer		$ 10,142	$ 8,890	$ 8,809
Deposit Account
NONINTEREST INCOME
Revenue from contract with customer		$ 11,462	$ 10,003	$ 10,176
[1]	Share and Per Share Amounts have been restated for the September 24, 2021 3% stock dividend.

Consolidated Statements of In_2

Consolidated Statements of Income (Parenthetical)	Dec. 31, 2021		Sep. 24, 2021	Dec. 31, 2020	Dec. 31, 2019
Income Statement [Abstract]
Stock dividend, percent	300.00%	[1]	300.00%	300.00%	300.00%
[1]	Included in the shares issued for the 3% stock dividend in 2021 were treasury shares of 139,237

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Statement of Comprehensive Income [Abstract]
Net Income	$ 49,857	$ 40,827	$ 37,475
Other Comprehensive Income, Net of Tax:
Unrealized Net Securities Holding (Losses) Gains Arising During the Year	(6,413)	5,306	4,162
Reclassification Adjustment for Net Securities Losses Arising During the Year	0	28	0
Net Unrealized Gains on Cash Flow Hedge Agreements	929	485	0
Reclassification of Net Unrealized Gain on Cash Flow Hedge Agreements to Interest Expense	(94)	0	0
Net Retirement Plan Gain (Loss)	6,500	(251)	2,614
Net Retirement Plan Prior Service Cost	0	(353)	0
Amortization of Net Retirement Plan Actuarial Loss	68	169	510
Amortization of Net Retirement Plan Prior Service Cost	173	157	167
Other Comprehensive Income	1,163	5,541	7,453
Comprehensive Income	$ 51,020	$ 46,368	$ 44,928

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands		Total		Cumulative Effect, Period of Adoption, Adjustment	Cumulative Effect, Period of Adoption, Adjusted Balance	Common Stock	Common StockCumulative Effect, Period of Adoption, Adjusted Balance	Additional Paid-In Capital	Additional Paid-In CapitalCumulative Effect, Period of Adoption, Adjusted Balance	Retained Earnings		Retained EarningsCumulative Effect, Period of Adoption, Adjustment	Retained EarningsCumulative Effect, Period of Adoption, Adjusted Balance	Unallocated ESOP Shares	Unallocated ESOP SharesCumulative Effect, Period of Adoption, Adjusted Balance	Accumulated Other Comprehensive Income (Loss)	Accumulated Other Comprehensive Income (Loss)Cumulative Effect, Period of Adoption, Adjusted Balance	Treasury Stock	Treasury StockCumulative Effect, Period of Adoption, Adjusted Balance
Beginning balance at Dec. 31, 2018		$ 269,584				$ 19,035		$ 314,533		$ 29,257				$ (100)		$ (13,810)		$ (79,331)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income		37,475								37,475
Other Comprehensive Income		7,453														7,453
Stock Dividend		0	[1]			571		17,737		(18,308)	[1]
Cash Dividends Paid		(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		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		$ 120	$ 334,512	20,194	$ 20,194	353,662	$ 353,662	41,899		$ 120	$ 42,019	0	$ 0	(816)	$ (816)	(80,547)	$ (80,547)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting Standards Update [Extensible List]		Accounting Standards Update 2016-13
Net Income		$ 49,857								49,857
Other Comprehensive Income		1,163														1,163
Stock Dividend	[2]	0				606		20,896		(21,502)
Cash Dividends Paid	[1]	(16,296)								(16,296)
Shares Issued for Stock Option Exercises, net		1,505						1,016										489
Shares Issued Under the Directors' Stock Plan		376						278										98
Shares Issued Under the Employee Stock Purchase Plan		481						350										131
Shares Issued for Dividend Reinvestment Plans		1,836						1,380										456
Stock-Based Compensation Expense		414						414
Purchases of Treasury Stock		(2,662)																(2,662)
Ending balance at Dec. 31, 2021		$ 371,186				$ 20,800		$ 377,996		$ 54,078				$ 0		$ 347		$ (82,035)
[1]	Cash dividends paid per share have been adjusted for the September 24, 2021 3% stock dividend.
[2]	Included in the shares issued for the 3% stock dividend in 2021 were treasury shares of 139,237

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares		12 Months Ended
		Dec. 31, 2021		Dec. 31, 2020	Dec. 31, 2019
Statement of Stockholders' Equity [Abstract]
Stock dividend, percent		300.00%	[1]	300.00%	300.00%
Stock dividends (in shares)		605,670	[1]	588,025	570,884
Cash Dividends Paid (in dollars per share)	[2]	$ 1.02		$ 0.99	$ 0.96
Shares Issued for Stock Option Exercises, net (in shares)		54,757		33,112	84,216
Shares Issued Under Directors Stock Plan (in shares)		11,051		4,245	7,580
Shares Issued Under the Employee Stock Purchase Plan (in shares)		14,903		18,286	15,379
Shares Issued for Dividend Reinvestment Plans (in shares)		51,403		63,425	51,191
Purchase of Treasury Stock (in shares)		73,555		52,505	73,495
Allocation of ESOP Stock (in shares)					5,151
Treasury Stock, Shares (in shares)		4,759,414		4,678,736
[1]	Included in the shares issued for the 3% stock dividend in 2021 were treasury shares of 139,237
[2]	Cash dividends paid per share have been adjusted for the September 24, 2021 3% stock dividend.

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash Flows from Operating Activities:
Net Income	$ 49,857	$ 40,827	$ 37,475
Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities:
Provision for Credit Losses	272	9,319	2,079
Depreciation and Amortization	7,826	6,867	5,503
Allocation of ESOP Stock	0	0	180
Loss on the Sale of Securities Available-for-Sale	0	37	0
Net (Gain) Loss on Equity Securities	(111)	427	(289)
Loans Originated and Held-for-Sale	(48,720)	(94,773)	(23,850)
Proceeds from the Sale of Loans Held-for-Sale	61,044	87,729	24,538
Net Gains on the Sale of Loans	(2,393)	(3,889)	(622)
Net Gains (Losses) on the Sale or Write-down of Premises and Equipment,     Other Real Estate Owned and Repossessed Assets	277	(161)	882
Contributions to Pension & Postretirement Plans	(622)	(673)	(675)
Deferred Income Tax Expense (Benefit)	945	(2,240)	344
Shares Issued Under the Directors’ Stock Plan	376	125	258
Stock-Based Compensation Expense	414	420	391
Tax Benefit from Exercise of Stock Options	69	52	227
Net Increase in Other Assets	(5,065)	(2,339)	(12,527)
Net Increase in Other Liabilities	4,037	586	10,030
Net Cash Provided By Operating Activities	68,206	42,314	43,944
Cash Flows from Investing Activities:
Proceeds from the Sale of Securities Available-for-Sale	0	65,273	0
Proceeds from the Maturities and Calls of Securities Available-for-Sale	118,330	104,941	96,058
Purchases of Securities Available-for-Sale	(323,372)	(173,234)	(131,348)
Proceeds from the Maturities and Calls of Securities Held-to-Maturity	30,561	33,896	41,607
Purchases of Securities Held-to-Maturity	(9,377)	(7,953)	(4,003)
Net Increase in Loans	(85,123)	(200,554)	(193,460)
Proceeds from the Sales of Premises and Equipment, Other    Real Estate Owned and Repossessed Assets	1,547	2,478	1,511
Purchase of Premises and Equipment	(7,137)	(5,132)	(7,785)
Net (Increase) Decrease in Federal Home Loan Bank Stock	(31)	4,968	5,189
Purchase of Bank Owned Life Insurance	0	(12,000)	0
Net Cash Used In Investing Activities	(274,602)	(187,317)	(192,231)
Cash Flows from Financing Activities:
Net Increase in Deposits	315,771	618,672	270,470
Net Decrease in Short-Term Federal Home Loan Bank Borrowings	0	(130,000)	(104,000)
Net Decrease in Short-Term Borrowings	(17,486)	(33,613)	(3,560)
Federal Home Loan Bank Advances	0	45,000	0
Finance Lease Payments	(48)	(37)	(28)
Repayments of Federal Home Loan Bank Advances	0	(30,000)	(15,000)
Purchase of Treasury Stock	(2,662)	(1,578)	(2,469)
Shares Issued for Stock Option Exercises, net	1,505	748	1,792
Shares Issued Under the Employee Stock Purchase Plan	481	513	493
Shares Issued for Dividend Reinvestment Plans	1,836	1,808	1,777
Cash Dividends Paid	(16,296)	(15,740)	(15,206)
Net Cash Provided By Financing Activities	283,101	455,773	134,269
Net Increase (Decrease) in Cash and Cash Equivalents	76,705	310,770	(14,018)
Cash and Cash Equivalents at Beginning of Year	380,991	70,221	84,239
Cash and Cash Equivalents at End of Year	457,696	380,991	70,221
Supplemental Disclosures to Statements of Cash Flow Information:
Interest on Deposits and Borrowings	5,373	13,799	20,843
Income Taxes	14,760	10,969	9,931
Non-cash Investing and Financing Activity:
Transfer of Loans to Other Real Estate Owned and Repossessed Assets	$ 1,358	$ 1,000	$ 1,810

Risks and Uncertainties

Risks and Uncertainties	12 Months Ended
	Dec. 31, 2021
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, 2021
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. Arrow 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. Arrow 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 Arrow 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. Arrow's wholly owned subsidiaries Arrow Capital Statutory Trust II and Arrow Capital Statutory Trust III are VIEs for which Arrow is not the primary beneficiary. Accordingly, the accounts of these entities are not included in Arrow'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. Arrow performs a qualitative assessment to determine whether investments are impaired. Premiums and discounts are amortized or accreted over the life of the related security as an adjustment to yield using the interest method. Dividend and interest income are recognized when earned. Realized gains and losses on securities sold are derived using the specific identification method for determining the cost of securities sold. Allowance for Credit Losses – Held to Maturity (HTM) Debt Securities - Arrow's HTM debt securities are also required to utilize the CECL approach to estimate expected credit losses. Management measures expected credit losses on HTM debt securities on a collective basis by major security types that share similar risk characteristics, such as financial asset type and collateral type adjusted for current conditions and reasonable and supportable forecasts. Management classifies the HTM portfolio into the following major security types: U.S. government agency or U.S. government sponsored mortgage-backed and collateralized mortgage obligations securities, and state and municipal debt securities. The mortgage-backed and collateralized mortgage obligations HTM securities are issued by U.S. government entities and agencies. These securities are either explicitly or implicitly guaranteed by the U.S. government as to timely repayment of principal and interest, are highly rated by major rating agencies, and have a long history of no credit losses. Therefore, Arrow did not record a credit loss for these securities. State and municipal bonds carry an investment grade from an accredited ratings agency, primarily with an investment grade rating. In addition, Arrow has a limited amount of New York state local municipal bonds that are not rated. The estimate of expected credit losses on the HTM portfolio is based on the expected cash flows of each individual CUSIP over its contractual life and utilized a municipal loss forecast model for determining PD and LGD rates. Management may exercise discretion to make adjustments based on environmental factors. A calculated expected credit loss for individual securities was determined using the PD and LGD rates. Arrow determined that the expected credit loss on its municipal bond portfolio was de minimis, and therefore, an allowance for credit losses was not recorded. Allowance for Credit Losses – Available for Sale (AFS) Debt Securities - The impairment model for AFS debt securities differs from the CECL approach utilized by HTM debt securities since AFS debt securities are measured at fair value rather than amortized cost. For AFS debt securities in an unrealized loss position, the Bank first assesses whether it intends to sell, or it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For AFS debt securities that do not meet the aforementioned criteria, in making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, adverse conditions specifically related to the security, failure of the issuer of the debt security to make scheduled interest or principal payments, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. The cash flows are estimated using information relevant to the collectability of the security, including information about past events, current conditions and reasonable and supportable forecasts. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. 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 - 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 and 2021. 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. Allowance for Credit Losses – Loans - CECL - Accounting Standards Update (“ASU”) 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments (CECL) approach requires an estimate of the credit losses expected over the life of a loan (or pool of loans). It replaces the incurred loss approach’s threshold that required the recognition of a credit loss when it was probable that a loss event was incurred. The allowance for credit losses is a valuation account that is deducted from, or added to, the loans’ amortized cost basis to present the net, lifetime amount expected to be collected on the loans. Credit losses are charged off against the allowance when management believes a loan balance is confirmed to be uncollectible. Expected recoveries do not exceed the aggregate of amounts previously charged off and expected to be charged off. Management estimates the allowance using relevant available information from internal and external sources related to past events, current conditions, and a reasonable and supportable single economic forecast. Historical credit loss experience provides the basis for the estimation of expected credit losses. Arrow's historical loss experience was supplemented with peer information when there was insufficient loss data for Arrow. Peer selection was based on a review of institutions with comparable loss experience as well as loan yield, bank size, portfolio concentration and geography. Adjustments to historical loss information are made for differences in current loan-specific risk characteristics such as differences in credit concentrations, delinquency level, collateral values and underwriting standards as well as changes in economic conditions or other relevant factors. Management judgment is required at each point in the measurement process. Portfolio segment is defined as the level at which an entity develops and documents a systematic methodology to determine its allowance for credit losses. Upon adoption of CECL, management revised the manner in which loans were pooled for similar risk characteristics. Management developed portfolio segments for estimating loss based on type of borrower and collateral as follows: Commercial Loans Commercial Real Estate Loans Consumer Loans Residential Loans Further details related to loan portfolio segments is included in Note 5 Loans. Historical credit loss experience for both Arrow and segment-specific peers provides the basis for the estimation of expected credit losses. Arrow utilized regression analyses of peer data, of which Arrow is included, where observed credit losses and selected economic factors were utilized to determine suitable loss drivers for modeling lifetime probability of default (PD) rates. Arrow uses the discounted cash flow (DCF) method to estimate expected credit losses for the commercial, commercial real estate, and residential segments. For each of these loan segments, Arrow generates cash flow projections at the instrument level wherein payment expectations are adjusted for estimated prepayment speed, curtailments, time to recovery, PD, and segment-specific loss given default (LGD) risk factors. The modeling of expected prepayment speeds, curtailment rates, and time to recovery are based on historical internal data and adjusted, if necessary, based on the reasonable and supportable forecast of economic conditions. For the loan segments utilizing the DCF method, (commercial, commercial real estate, and residential) management utilizes externally developed economic forecast of the following economic factors as loss drivers: national unemployment, gross domestic product and home price index (HPI). The economic forecast is applied over a reasonable and supportable forecast period. Arrow utilizes a six quarter reasonable and supportable forecast period with an eight quarter reversion to the historic mean on a straight-line basis. The combination of adjustments for credit expectations (default and loss) and timing expectations (prepayment, curtailment, and time to recovery) produces an expected cash flow stream at the instrument level. Instrument effective yield is calculated, net of the impacts of prepayment assumptions, and the instrument expected cash flows are then discounted at that effective yield to produce an instrument-level net present value of expected cash flows (NPV). An allowance for credit loss is established for the difference between the instrument’s NPV and amortized cost basis. The contractual term excludes expected extensions, renewals, and modifications unless either of the following applies: management has a reasonable expectation at the reporting date that a troubled debt restructuring (TDR) will be executed with an individual borrower or the extension or renewal options are included in the original or modified contract at the reporting date and are not unconditionally cancellable by Arrow. Arrow uses the vintage analysis method to estimate expected credit losses for the consumer loan segment. The vintage method was selected since the loans within the consumer loan segment are homogeneous, not just by risk characteristic, but by loan structure. Under the vintage analysis method, a loss rate is calculated based on the quarterly net charge-offs to the outstanding loan balance for each vintage year over the lookback period. Once this periodic loss rate is calculated for each quarter in the lookback period, the periodic rates are averaged into the loss rate. The loss rate is then applied to the outstanding loan balances based on the loan's vintage year. Arrow maintains, over the life of the loan, the loss curve by vintage year. If estimated losses computed by the vintage method need to be adjusted based on current conditions and the reasonable and supportable economic forecast, these adjustments would be incorporated over a six quarter reasonable and supportable forecast period, reverting to historical losses using a straight-line method over an eight quarter period. Based on current conditions and the reasonable and supportable economic forecast, no adjustments are currently required. The vintage and DCF models also consider the need to qualitatively adjust expected loss estimates for information not already captured in the quantitative loss estimation process. Qualitative considerations include limitations inherent in the quantitative model; trends experienced in nonperforming and delinquent loans; changes in value of underlying collateral; changes in lending policies and procedures; nature and composition of loans; portfolio concentrations that may affect loss experience across one or more components or the portfolio; the experience, ability and depth of lending management and staff; Arrow's credit review system; and the effect of external factors such as competition, legal and regulatory requirements. These qualitative factor adjustments may increase or decrease Arrow's estimate of expected credit losses so that the allowance for credit loss is reflective of the estimate of lifetime losses that exist in the loan portfolio at the balance sheet date. All loans not included in the vintage analysis method that exceed $250,000 which are on nonaccrual, are evaluated on an individual basis. For collateral dependent financial assets where Arrow has determined that foreclosure of the collateral is probable, or where the borrower is experiencing financial difficulty and Arrow expects repayment of the financial asset to be provided substantially through the operation or sale of the collateral, Arrow has elected a practical expedient to measure the allowance for credit loss as the difference between the fair value of the collateral less cost to sell, and the amortized cost basis of the asset as of the measurement date. In the event where the repayment of a collateral dependent financial asset is expected to be provided substantially through the operating of the collateral, Arrow will use fair value of the collateral at the reporting date when recording the net carrying amount of the asset and determining the allowance for credit losses. When repayment is expected to be from the sale of the collateral, expected credit losses are calculated as the amount by which the amortized cost basis of the financial asset exceeds the fair value of the underlying collateral less estimated cost to sell. The allowance for credit losses may be zero if the fair value of the collateral at the measurement date exceeds the amortized cost basis of the financial asset. Except as set forth below, a loan that has been modified or renewed is considered a TDR when two conditions are met: • The borrower is experiencing financial difficulty, and • Concessions are made for the borrower's benefit that would not otherwise be considered for a borrower or transaction with similar credit risk characteristics. Arrow's allowance for credit losses reflects all effects of a TDR when an individual asset is specifically identified as a reasonably expected TDR. Arrow has determined that a TDR is reasonably expected no later than the point it is determined that modification is the best course of action and it is at least reasonably possible that the troubled borrower will accept some form of concession to avoid a default. Reasonably expected TDRs and executed non-performing TDRs are evaluated individually to determine the required allowance for credit losses. TDRs performing in accordance with their modified contractual terms for a reasonable period of time may be included in Arrow's existing pools based on the underlying risk characteristics of the loan to measure the allowance for credit losses. In accordance with the Coronavirus Aid, Relief, and Economic Security (CARES) Act and ASC Subtopic 310-40, as extended by the Consolidated Appropriations Act, 2021, if a qualifying loan modification was made for a borrower as the result of the COVID-19 pandemic, this modification was not considered a TDR. Estimated Credit Losses on Off-Balance Sheet Credit Exposures Recognized as Other Liabilities - Arrow estimates expected credit losses over the contractual period in which Arrow has exposure to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by Arrow. The allowance for credit losses on off-balance sheet credit exposures recognized in other liabilities, is adjusted as an expense in other noninterest expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over their estimated lives. Estimating credit losses on unfunded commitments requires the Bank to consider the following categories of off-balance sheet credit exposure: unfunded commitments to extend credit, unfunded lines of credit, and standby letters of credit. Each of these unfunded commitments is then analyzed for a probability of funding to calculate a probable funding amount. The life of loan loss factor by related portfolio segment from the loan allowance for credit loss calculation is then applied to the probable funding amount to calculate the estimated credit losses on off-balance sheet credit exposures recognized as other liabilities. Accrued Interest Receivable - Upon adoption of CECL on January 1, 2021, Arrow made the following elections regarding accrued interest receivable: (1) presented accrued interest receivable balances separately within the other assets balance sheet line item; (2) excluded interest receivable that is included in amortized cost of financing receivables from related disclosures requirements and (3) continued Arrow's policy to write off accrued interest receivable by reversing interest income. For loans, write off typically occurs upon becoming over 90 to 120 days past due and therefore the amount of such write offs are immaterial. Historically, Arrow has not experienced uncollectible accrued interest receivable on investment securities. Allowance for Loan Losses – Incurred Loss Method - Prior to the adoption of CECL on January 1, 2021, Arrow calculated the allowance for loan losses using the incurred loss method whereby the allowance represented management’s estimate of probable incurred losses inherent in the current loan portfolio based on current information available. 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 allowance for credit losses at each balance sheet date, either under the CECL methodology or the incurred loss methodology, is sufficient to provide for probable loan losses inherent in the corresponding loan portfolio. Comprehensive Income (Loss) - For Arrow, comprehensive income (loss) represents net income plus unrealized net securities holding gains or losses arising during the year (net of taxes), the reclassification adjustment for net securities gains and losses arising during the year (net of taxes), net unrealized gains or losses on cash flow hedge agreements, reclassification of net unrealized gain or loss on cash flow hedge agreements to interest expense (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 unrealized gains or losses on cash flow hedge agreements, reclassification of net unrealized gain or loss on cash flow hedge agreements to interest expense (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 Arrow 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 i

Cash and Cash Equivalents

Cash and Cash Equivalents	12 Months Ended
	Dec. 31, 2021
Cash and Cash Equivalents [Abstract]
Cash and Cash Equivalents	CASH AND CASH EQUIVALENTS (Dollars In Thousands) 2021 2020 Balances at December 31: Cash and Due From Banks $ 26,978 $ 42,116 Interest-Bearing Deposits at Banks 430,718 338,875 Total Cash and Cash Equivalents $ 457,696 $ 380,991 Supplemental Information: 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, 2021
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, 2021 and 2020: Available-For-Sale Securities U.S. Government & Agency State and Mortgage- Corporate Total December 31, 2021 Available-For-Sale Securities, $ 110,000 $ 400 $ 448,742 $ 1,000 $ 560,142 Gross Unrealized Gains 63 — 3,617 — 3,680 Gross Unrealized Losses (1,698) — (2,608) (200) (4,506) Available-For-Sale Securities, $ 108,365 $ 400 $ 449,751 $ 800 $ 559,316 Available-For-Sale Securities, 298,106 Maturities of Debt Securities, Within One Year 5,000 — 104 — 5,104 From 1 - 5 Years 105,000 40 370,134 — 475,174 From 5 - 10 Years — 360 78,504 1,000 79,864 Over 10 Years — — — — — Maturities of Debt Securities, Within One Year 5,064 — 108 — 5,172 From 1 - 5 Years 103,301 40 371,569 — 474,910 From 5 - 10 Years — 360 78,074 800 79,234 Over 10 Years — — — — — Securities in a Continuous Less than 12 Months $ 74,088 $ — $ 263,292 $ — $ 337,380 12 Months or Longer 29,214 — — 800 30,014 Total $ 103,302 $ — $ 263,292 $ 800 $ 367,394 Number of Securities in a 14 — 39 1 54 Unrealized Losses on Less than 12 Months $ 912 $ — $ 2,608 $ — $ 3,520 12 Months or Longer 786 — — 200 986 Total $ 1,698 $ — $ 2,608 $ 200 $ 4,506 Disaggregated Details: US Agency Obligations, 110,000 US Agency Obligations, 108,365 US Government Agency $ 9,386 US Government Agency 9,371 Government Sponsored Entity 439,356 Government Sponsored Entity 440,380 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 Gross Unrealized Gains 184 — 7,934 — 8,118 Gross Unrealized Losses (74) — (54) (200) (328) Available-For-Sale Securities, $ 65,112 $ 528 $ 298,847 $ 800 $ 365,287 Available-For-Sale Securities, 244,411 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 At December 31, 2021, there was no allowance for credit losses for the available for sale securities portfolio. The following table is the schedule of Held-To-Maturity Securities at December 31, 2021 and 2020: Held-To-Maturity Securities State and Mortgage- Total December 31, 2021 Held-To-Maturity Securities, $ 180,195 $ 16,371 $ 196,566 Gross Unrealized Gains 4,179 547 4,726 Gross Unrealized Losses — — — Held-To-Maturity Securities, $ 184,374 $ 16,918 $ 201,292 Held-To-Maturity Securities, 175,218 Maturities of Debt Securities, Within One Year 29,600 462 30,062 From 1 - 5 Years 138,210 15,909 154,119 From 5 - 10 Years 12,239 — 12,239 Over 10 Years 146 — 146 Maturities of Debt Securities, Within One Year 29,766 468 30,234 From 1 - 5 Years 141,753 16,450 158,203 From 5 - 10 Years 12,704 — 12,704 Over 10 Years 151 — 151 Securities in a Continuous Less than 12 Months $ — $ — $ — 12 Months or Longer — — — Total $ — $ — $ — Number of Securities in a — — — Unrealized Losses on Securities Less than 12 Months $ — $ — $ — 12 Months or Longer — — — Total $ — $ — $ — Disaggregated Details: US Government Agency 5,518 US Government Agency 5,647 Government Sponsored Entity 10,853 Government Sponsored Entity 11,271 Held-To-Maturity Securities State and Mortgage- Total December 31, 2020 Held-To-Maturity Securities, $ 192,352 $ 26,053 $ 218,405 Gross Unrealized Gains 7,080 1,094 8,174 Gross Unrealized Losses (3) — (3) Held-To-Maturity Securities, $ 199,429 $ 27,147 $ 226,576 Held-To-Maturity Securities, 211,176 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 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, 2021 and December 31, 2020 do not reflect any deterioration of the credit worthiness of the issuing entities. Arrow evaluates available-for-sale debt securities in unrealized loss positions at each measurement date to determine whether the decline in the fair value below the amortized cost basis (impairment) is due to credit-related factors or noncredit-related factors. Any impairment that is not credit related is recognized in other comprehensive income, net of applicable taxes. Credit-related impairment is recognized within the allowance for credit losses on the balance sheet, limited to the amount by which the amortized cost basis exceeds the fair value, with a corresponding adjustment to earnings via credit loss expense. Arrow determined that at December 31, 2021, gross unrealized losses were primarily attributable to changes in interest rates, relative to when the investment securities were purchased, and not due to the credit quality of the investment securities. Arrow does not intend to sell, nor is it more likely than not that Arrow will be required to sell the security before recovery of its amortized cost basis, which may be at maturity. Therefore, Arrow carried no allowance for credit loss at December 31, 2021 and there was no credit loss expense recognized by Arrow with respect to the securities portfolio during 2021. Arrow's held to maturity debt securities are comprised of U.S. government agencies, U.S. government-sponsored enterprises or state and municipal obligations. U.S. government agencies and U.S. government-sponsored enterprise securities carry the explicit and/or implicit guarantee of the U.S. government, are widely recognized as “risk free,” and have a long history of zero credit loss. Arrow determined that the expected credit loss on its held to maturity debt portfolio was immaterial and therefore no allowance for credit loss was recorded as of December 31, 2021. The following table is the schedule of Equity Securities at December 31, 2021 and 2020. Equity Securities December 31, 2021 2020 Equity Securities, at Fair Value $ 1,747 $ 1,636 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, 2021 and 2020 : December 31, 2021 2020 Net Gain (Loss) on Equity Securities $ 111 $ (427) Less: Net Gain (Loss) recognized during the reporting period on equity securities sold during the period — — Unrealized Net Gain (Loss) recognized during the reporting period on equity securities still held at the reporting date $ 111 $ (427) Schedule of Federal Reserve Bank and Federal Home Loan Bank Stock (at cost) December 31, 2021 2020 Federal Reserve Bank Stock $ 1,161 $ 1,150 Federal Home Loan Bank Stock 4,219 4,199 Total Federal Reserve Bank and Federal Home Loan Bank Stock $ 5,380 $ 5,349

Loans

Loans	12 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Loans	LOANS (Dollars In Thousands) Loan Categories and Past Due Loans The following table presents loan balances outstanding as of December 31, 2021 and December 31, 2020 and an analysis of the recorded investment in loans that are past due at these dates. Loans held-for-sale of $1,154 and $11,085 as of December 31, 2021, and December 31, 2020, 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, 2021 Loans Past Due 30-59 Days $ 202 $ — $ 6,713 $ 107 $ 7,022 Loans Past Due 60-89 Days 3 — 2,709 2,557 5,269 Loans Past Due 90 or More Days 157 1,180 1,564 1,981 4,882 Total Loans Past Due 362 1,180 10,986 4,645 17,173 Current Loans 172,156 627,749 909,570 941,293 2,650,768 Total Loans $ 172,518 $ 628,929 $ 920,556 $ 945,938 $ 2,667,941 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 Schedule of Non Accrual Loans by Category Commercial December 31, 2021 Commercial Real Estate Consumer Residential Total Loans 90 or More Days Past Due $ 157 $ — $ — $ 666 $ 823 Nonaccrual Loans 34 7,243 1,697 1,790 10,764 Nonaccrual With No Allowance for Credit Loss 34 4,476 1,697 1,790 7,997 Interest Income on Nonaccrual Loans — — — — — December 31, 2020 Loans 90 or More Days Past Due $ — $ 184 $ — $ 44 $ 228 Nonaccrual Loans 78 1,475 1,470 3,010 6,033 Arrow disaggregates its loan portfolio into the following four categories: Commercial - Arrow 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, Arrow 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 - Arrow 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. 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. Arrow originates fixed-rate and adjustable-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 Arrow's market area. Loans on one-to-four-family residential real estate are generally originated in amounts of no more than 80% of the purchase price or appraised value (whichever is lower), or have private mortgage insurance. 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. Arrow's policy allows for a maximum loan to value ratio of 80%, although periodically higher advances are allowed. Arrow 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. The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2021: December 31, 2021 Collateral Type -Residential Real Estate Collateral Type - Commercial Real Estate Total Loans Commercial $ — $ — $ — Commercial Real Estate — 6,732 6,732 Consumer — — — Residential 673 — 673 Total $ 673 $ 6,732 $ 7,405 Schedule of Supplemental Loan Information 2021 2020 Supplemental Information : Unamortized deferred loan origination costs, net of deferred loan $ 3,721 $ 1,273 Overdrawn deposit accounts, included in the above balances 182 238 Pledged loans under a blanket collateral agreement to secure borrowings from the Federal Home Loan Bank of New York 778,902 859,592 Residential real estate loans serviced for Freddie Mac, not included 215,209 190,169 Allowance for Credit Losses As mentioned in Note 1, Accounting Policies , to the Consolidated Financial Statements Arrow adopted CECL on January 1, 2021. Loan segments were selected by class code and application code to ensure each segment is comprised of loans with homogenous loan characteristics and similar risk profiles. The resulting loan segments are commercial - non-PPP, commercial PPP, commercial real estate, consumer and residential real estate loans. The consumer segment is mainly comprised of automobile loans, and since they are relatively short-term in nature, with similar dollar amounts and collateral, the vintage analysis method was selected to determine the credit loss reserve. The vintage method utilizes Arrow loan data exclusively as the method calculates a loss rate based on the total origination balance of the loans by year and the charge-off and recovery rate of the same origination year. Arrow maintains, over the life of the loan, the loss curve by vintage year. The discounted cash flow method (DCF) is used to calculate the reserve for credit losses for the commercial, commercial real estate and residential real estate segments. Please see Note 1, Accounting Policies , to the Consolidated Financial Statements for a full explanation. The December 31, 2021 allowance for credit losses calculation incorporated a reasonable and supportable forecast period to account for economic conditions utilized in the measurement. The quantitative model utilized an economic forecast sourced from reputable third-parties that reflected economic decline with a reduction of approximately 0.4% in the national unemployment rate during the six-quarter forecast period, while forecasted gross domestic product declined approximately 0.6%. The home price index forecast decreased approximately 4.5% from the previous quarter level. Key assumptions utilized in the CECL calculation include loan segmentation, credit loss regression analysis, reasonable and supportable forecast period, reversion period, discounted cash flow inputs including economic forecast data and prepayment and curtailment speeds and qualitative factors. Key assumptions are reviewed and approved on a quarterly basis. Driven by current economic forecasts, loan growth and net charge offs during the year, the provision for credit losses in 2021 was $272 thousand. Management's evaluation considers the allowance for credit losses for loans to be appropriate as of December 31, 2021. The following table details activity in the allowance for credit losses on loans for the twelve months ended December 31, 2021. Arrow adopted ASU 2016-13 on January 1, 2021. Results for the periods beginning after January 1, 2021 are presented under ASC 326 and prior periods continue to be reported in accordance with previously applicable US GAAP. Allowance for Credit Losses Commercial Commercial Real Estate Consumer Residential Total Rollfoward of the Allowance for Credit Losses for the Year Ended: December 31, 2020 $ 2,173 $ 9,990 $ 11,562 $ 5,507 $ 29,232 Impact of Adoption ASC 326 $ 2,084 $ 2,064 $ (9,383) $ 3,935 $ (1,300) Balance as of January 1, 2021 as adjusted for ASU 2016-13 $ 4,257 $ 12,054 $ 2,179 $ 9,442 $ 27,932 Charge-offs (98) — (2,132) (9) (2,239) Recoveries 190 — 1,126 — 1,316 Provision (2,051) 1,082 1,229 12 272 December 31, 2021 $ 2,298 $ 13,136 $ 2,402 $ 9,445 $ 27,281 Allowance for Loan Losses Commercial Commercial Real Estate Consumer Residential Total Rollforward 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 Estimated Credit Losses on Off-Balance Sheet Credit Exposures Recognized as Other Liabilities Financial instrument credit losses apply to off-balance sheet credit exposures such as unfunded loan commitments and standby letters of credit. A liability for expected credit losses for off-balance sheet exposures is recognized if the entity has a present contractual obligation to extend the credit and the obligation is not unconditionally cancellable by the entity. The Day 1 adoption of ASU 2016-13, created an allowance for credit loss on off-balance sheet exposures recognized as other liabilities of $1.1 million. Subsequent changes in this allowance are reflected in other operating expenses within the non-interest expense category. As of December 31, 2021, the total unfunded commitment off-balance sheet credit exposure was $1.8 million. Individually Evaluated Loans All loans not included in the vintage analysis method that exceed $250,000, which are on nonaccrual status, are evaluated on an individual basis. Arrow made the policy election to apply a practical expedient for collateral dependent financial assets when the borrower is experiencing financial difficulty and the repayment is expected through the sale of the collateral. This allows Arrow to use fair value of the collateral at the reporting date adjusted for estimated cost to sell when recording the net carrying amount of the asset and determining the allowance for credit losses for a financial asset. In the event where the repayment of a collateral dependent financial asset is expected to be provided substantially through the operating of the collateral, Arrow will use fair value of the collateral at the reporting date when recording the net carrying amount of the asset and determining the allowance for credit losses. As of December 31, 2021, there were five total relationships identified to be evaluated for loss on an individual basis which had an amortized cost basis of $7.4 million and only one loan had an allowance for credit loss of $599 thousand. Allowance for Credit Losses - Collectively and Individually Evaluated Commercial Commercial Real Estate Consumer Residential Total December 31, 2021 Ending Loan Balance - Collectively Evaluated $ 172,518 $ 622,197 $ 920,556 $ 945,265 $ 2,660,536 Allowance for Credit Losses - Loans Collectively Evaluated 2,298 12,537 2,402 9,445 26,682 Ending Loan Balance - Individually Evaluated — 6,732 — 673 7,405 Allowance for Credit Losses - Loans Individually Evaluated — 599 — — 599 The following table presents information pertaining to the allowance for loan losses as of December 31, 2020, as determined in accordance with ASC 310, prior to the adoption of ASU 2016-13: Allowance for Loan Losses - Collectively and Individually Evaluated for Impairment Commercial Commercial Real Estate Consumer Residential Total December 31, 2020 Ending Loan Balance - Collectively Evaluated for Impairment $ 240,507 $ 570,659 $ 859,657 $ 921,504 $ 2,592,327 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 Allowance for Loan Losses - Loans Individually Evaluated for Impairment 19 — — 22 41 Through the provision for credit losses, an allowance for credit losses is maintained that reflects the best estimate of the calculated expected credit losses in Arrow's loan portfolio as of the balance sheet date. Additions are made to the allowance for credit losses through a periodic provision for credit losses. Actual credit losses are charged against the allowance for credit losses when loans are deemed uncollectible and recoveries of amounts previously charged off are recorded as credits to the allowance for credit losses. Arrow's 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 independent internal loan review department performs periodic reviews of the credit quality indicators on individual loans in the commercial loan portfolio. Management considers the need to qualitatively adjust expected credit loss estimates for information not already captured in the loss estimation process. These qualitative factor adjustments may increase or decrease management’s estimate of expected credit losses. Adjustments are not made for information that has already been considered and included in the loss estimation process. Management considers the qualitative factors that are relevant to Arrow as of the reporting date, which may include, but are not limited to the following factors: • The nature and volume of Arrow's financial assets; • The existence, growth, and effect of any concentrations of credit; • The volume and severity of past due loans, the volume of nonaccrual loans, and the volume and severity of adversely classified or graded loans; • The value of the underlying collateral for loans that are not collateral-dependent; • Arrow's lending policies and procedures, including changes in underwriting standards and practices for collections, write-offs, and recoveries; • The quality of Arrow's loan review function; • The experience, ability, and depth of Arrow's lending, investment, collection, and other relevant management/staff; • The effect of other external factors such as the regulatory, legal and technological environments; competition; and events such as natural disasters; • Actual and expected changes in international, national, regional, and local economic and business conditions and developments in which the institution operates that affect the collectability of financial assets; and • Other qualitative factors not reflected in quantitative loss rate calculations. Loan Credit Quality Indicators The following table presents credit quality indicators by total loans amortized cost basis by origination year as of December 31, 2021. Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total December 31, 2021 2021 2020 2019 2018 2017 Prior Commercial: Risk rating Satisfactory $ 75,615 $ 35,522 $ 11,591 $ 11,661 $ 7,792 $ 3,442 $ 12,783 $ — $ 158,406 Special mention — — 3 — — 5,899 — — 5,902 Substandard 3,541 3,791 589 — 25 12 252 — 8,210 Doubtful — — — — — — — — — Total Commercial Loans $ 79,156 $ 39,313 $ 12,183 $ 11,661 $ 7,817 $ 9,353 $ 13,035 $ — $ 172,518 Commercial Real Estate: Risk rating Satisfactory $ 140,636 $ 276,461 $ 42,369 $ 37,997 $ 22,155 $ 59,698 $ 1,923 $ — $ 581,239 Special mention — 7,893 1,204 — 137 1,906 — — 11,140 Substandard 7,248 16,405 3,910 96 — 8,867 24 — 36,550 Doubtful — — — — — — — — — Total Commercial Real Estate Loans $ 147,884 $ 300,759 $ 47,483 $ 38,093 $ 22,292 $ 70,471 $ 1,947 $ — $ 628,929 Consumer: Risk rating Performing $ 402,558 $ 239,492 $ 154,517 $ 82,673 $ 29,587 $ 9,578 $ 455 $ — $ 918,860 Nonperforming 388 399 502 151 160 96 — — 1,696 Total Consumer Loans $ 402,946 $ 239,891 $ 155,019 $ 82,824 $ 29,747 $ 9,674 $ 455 $ — $ 920,556 Residential: Risk rating Performing $ 187,708 $ 146,113 $ 93,547 $ 88,505 $ 93,524 $ 215,679 $ 118,595 $ — $ 943,671 Nonperforming — 133 — 27 162 1,907 38 — 2,267 Total Residential Loans $ 187,708 $ 146,246 $ 93,547 $ 88,532 $ 93,686 $ 217,586 $ 118,633 $ — $ 945,938 Total Loans $ 817,694 $ 726,209 $ 308,232 $ 221,110 $ 153,542 $ 307,084 $ 134,070 $ — $ 2,667,941 For the purposes of the table above, nonperforming consumer and residential loans were those loans on nonaccrual status or are 90 days or more past due and still accruing interest. The recorded investment of consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process is $2.1 million. For the allowance calculation, an internally developed system of five credit quality indicators is used 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 Company 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 (e.g. 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 with collateral 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 credit 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 incurred risk of loss in our commercial related loan portfolios. The following table presents information pertaining to loan credit quality indicators as of December 31, 2020, as determined in accordance with ASC 310, prior to the adoption of ASU 2016-13: 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 Impaired Loans The following table presents information on impaired loans as of December 31, 2020 based on whether the impaired loan has a recorded related allowance or has no recorded related allowance, as determined in accordance with ASC 310, prior to the adoption of ASU 2016-13: 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 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 — — — — — 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, 2021 Number of Loans — — 1 — 1 Pre-Modification Outstanding Recorded Investment $ — $ — $ 16 $ — $ 16 Post-Modification Outstanding Recorded Investment — — 16 — 16 Subsequent Default, Number of Contracts — — — — — Subsequent Default, Recorded Investment — — — — — Commitments to lend additional funds to modified loans — — — — — 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 — — — — — In general, prior to the novel coronavirus (COVID-19) pandemic, loans requiring modification were restructured to accommodate the projected cash-flows of the borrower. Such modifications may have involved a reduction of the interest rate, a significant deferral of payments or forgiveness of a portion of the outstanding principal balance. As indicated in the table above, no loans modified during the preceding twelve months subsequently defaulted as of December 31, 2021 or December 31, 2020. The Consolidated Appropriations Act, 2021 extended certain provisions of the CARES Act including, if a short-term loan modification (e.g. six months) is made for a borrower as the result of the COVID-19 pandemic, and who was current on contractual payments as of December 31, 2019, this modification is not considered a TDR.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Premises and Equipment	PREMISES AND EQUIPMENT (Dollars In Thousands) A summary of premises and equipment at December 31, 2021 and 2020 is presented below: 2021 2020 Land and Bank Premises $ 40,848 $ 39,624 Equipment, Furniture and Fixtures 38,496 33,276 Leasehold Improvements 4,410 4,632 Total Cost 83,754 77,532 Accumulated Depreciation and Amortization (42,351) (39,911) Net Owned Premises and Equipment 41,403 37,621 Leased Assets (see Note 18) 4,814 4,991 Net Premises and Equipment $ 46,217 $ 42,612

Other Intangible Assets

Other Intangible Assets	12 Months Ended
	Dec. 31, 2021
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, 2021, 2020 and 2019: Depositor Mortgage Servicing Rights 1 Customer Intangibles 2 Total Gross Carrying Amount, December 31, 2021 $ 2,247 $ 3,286 $ 4,382 $ 9,915 Accumulated Amortization (2,247) (2,276) (3,474) (7,997) Net Carrying Amount, December 31, 2021 $ — $ 1,010 $ 908 $ 1,918 Gross Carrying Amount, December 31, 2020 $ 2,247 $ 2,850 $ 4,382 $ 9,479 Accumulated Amortization (2,247) (2,018) (3,264) (7,529) Net Carrying Amount, December 31, 2020 $ — $ 832 $ 1,118 $ 1,950 Rollforward of Intangible Assets: 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 Intangible Assets Acquired — 436 — 436 Intangible Assets Disposed — — — — Amortization of Intangible Assets — (258) (210) (468) Balance, December 31, 2021 $ — $ 1,010 $ 908 $ 1,918 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, 2021: Mortgage Customer Intangibles Total Estimated Annual Amortization Expense: 2022 $ 233 $ 193 $ 426 2023 213 176 389 2024 204 155 359 2025 193 107 300 2026 143 89 232 2027 and beyond 24 188 212 Total $ 1,010 $ 908 $ 1,918

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020: Balance at December 31, 2021 2020 Notional Amount: Commitments to Extend Credit $ 402,280 $ 399,882 Standby Letters of Credit 3,223 3,703 Fair Value: Commitments to Extend Credit $ — $ — Standby Letters of Credit 24 28 Arrow is party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Commitments to extend credit include home equity lines of credit, commitments for residential and commercial construction loans and other personal and commercial lines of credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The contract or notional amounts of those instruments reflect the extent of the involvement Arrow has in particular classes of financial instruments. Arrow's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual notional amount of those instruments. Arrow uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Arrow evaluates each customer's creditworthiness on a case-by-case basis. Home equity lines of credit are secured by residential real estate. Construction lines of credit are secured by underlying real estate. For other lines of credit, the amount of collateral obtained, if deemed necessary by Arrow upon extension of credit, is based on management's credit evaluation of the counterparty. Collateral held varies, but may include accounts receivable, inventory, property, plant and equipment, and income-producing commercial properties. Most of the commitments are variable rate instruments. Arrow does not issue any guarantees that would require liability-recognition or disclosure, other than its standby letters of credit. Arrow has issued conditional commitments in the form of standby letters of credit to guarantee payment on behalf of a customer and guarantee the performance of a customer to a third party. Standby letters of credit generally arise in connection with lending relationships. The credit risk involved in issuing these instruments is essentially the same as that involved in extending loans to customers. Contingent obligations under standby letters of credit at December 31, 2021 and 2020 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, 2021 and 2020 were insignificant. The fair value of standby letters of credit is based on the fees currently charged for similar agreements or the cost to terminate the arrangement with the counterparties. The fair value of commitments to extend credit is determined by estimating the fees to enter into similar agreements, taking into account the remaining terms and present creditworthiness of the counterparties, and for fixed rate loan commitments, the difference between the current and committed interest rates. Arrow provides several types of commercial lines of credit and standby letters of credit to its commercial customers. The pricing of these services is not isolated as Arrow considers the customer's complete deposit and borrowing relationship in pricing individual products and services. The commitments to extend credit also include commitments under home equity lines of credit, for which Arrow charges no fee. The carrying value and fair value of commitments to extend credit are not material and Arrow does not expect to incur any material loss as a result of these commitments. In the normal course of business, Arrow and its subsidiary banks become involved in a variety of routine legal proceedings. At present, there are no legal proceedings pending or threatened, which in the opinion of management and counsel, would result in a material loss to Arrow, except as noted below. Except as noted below, Arrow, including its subsidiary banks, is not currently the subject of any material pending legal proceedings, other than ordinary routine litigation occurring in the normal course of their business. On an ongoing basis, Arrow is often the subject of, or a party to, various legal claims by other parties against Arrow, by Arrow against other parties, or involving Arrow, which arise in the normal course of business. Except as noted below, the various pending legal claims against Arrow will not, in the opinion of management based upon consultation with counsel, result in any material liability. On July 1, 2020, Daphne Richard, a customer of GFNB filed a putative class action complaint against GFNB in the United States District Court for the Northern District of New York. The complaint alleges that GFNB assessed overdraft fees on certain transactions drawn on her checking account without having sufficiently disclosed its overdraft-fee practices in its account agreement. Ms. Richard, on behalf of two purported classes, seeks compensatory damages, disgorgement of profits, statutory damages, treble damages, enjoinment of the conduct complained of, and costs and fees. The complaint is similar to complaints filed against other financial institutions pertaining to overdraft fees. Arrow denies any wrongdoing. The parties engaged in an initial mediation session in the third quarter of 2021 and a non-recurring litigation reserve expense of $1.5 million was recorded

Time Deposits

Time Deposits	12 Months Ended
	Dec. 31, 2021
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, 2021: Year of Maturity Total Time 2022 $ 160,451 2023 18,406 2024 7,886 2025 4,930 2026 4,453 2027 and beyond 18,419 Total $ 214,545

Debt

Debt	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
Debt	DEBT (Dollars in Thousands) Schedule of Short-Term Borrowings: 2021 2020 Balances at December 31: Securities Sold Under Agreements to Repurchase — 17,486 Total Short-Term Borrowings $ — $ 17,486 Maximum Borrowing Capacity at December 31: Federal Funds Purchased $ 52,000 $ 52,000 Federal Home Loan Bank of New York 778,902 859,592 Federal Reserve Bank of New York 594,034 610,643 The securities sold under agreements to repurchase ("repo accounts") shown above represent collateralized borrowings with certain commercial customers located primarily within Arrow's service area. All repo accounts at December 31, 2020 had overnight maturities. Repo accounts are not covered by federal deposit insurance and are secured by Arrow's own qualified investment securities. Arrow 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, Arrow 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. Arrow maintains control of these securities through the use of third-party safekeeping arrangements. Investment securities with a fair value of $19.2 million were pledged as collateral for the securities sold under agreements to repurchase at December 31, 2020. No such investment securities were pledged as collateral at December 31, 2021. See the table below: 2021 2020 Balances at December 31: Mortgage-Backed Securities — 19,189 Total Pledged Collateral for Repo Accounts $ — $ 19,189 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 Notes 4, Investment Securities , and 5, Loans , to the Consolidated Financial Statements). 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 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 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 2021 2020 2021 2020 First Year $ 5,000 $ — 1.81 % — % Second Year 20,000 5,000 1.75 % 1.81 % Third Year 20,000 20,000 1.76 % 1.75 % Fourth Year — 20,000 — % 1.76 % Fifth Year — — — % — % Total $ 45,000 $ 45,000 1.77 % 1.77 % Long Term Debt - Guaranteed Preferred Beneficial Interests in Corporation's Junior Subordinated Debentures During 2021, 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, 2021, 2020 and 2019 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 2021 2020 ACST II Balance at December 31, $ 10,000 $ 10,000 Period End: Variable Interest Rate 3.28 % 3.37 % Fixed Interest Rate resulting from cash flow hedge agreement 4.00 % 4.00 % ACST III Balance at December 31, $ 10,000 $ 10,000 Period End: Variable Interest Rate 2.13 % 2.22 % Fixed Interest Rate resulting from cash flow hedge agreement 2.86 % 2.86 %

Comprehensive Income (Loss), Ne

Comprehensive Income (Loss), Net of Tax	12 Months Ended
	Dec. 31, 2021
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Comprehensive Income (Loss), Net of Tax	COMPREHENSIVE INCOME, NET OF TAX (Dollars In Thousands) The following table presents the components of other comprehensive income for the years ended December 31, 2021, 2020 and 2019: Schedule of Comprehensive Income Before-Tax Tax Net-of-Tax 2021 Net Unrealized Securities Holding Losses Arising During the Period $ (8,616) 2,203 (6,413) Net Unrealized Gains on Cash Flow Swap 1,249 (320) 929 Reclassification of Net Unrealized Gain on Cash Flow Hedge Agreements to Interest Expense (126) 32 -94 Net Retirement Plan Losses 8,733 (2,233) 6,500 Amortization of Net Retirement Plan Actuarial Loss 91 (23) 68 Amortization of Net Retirement Plan Prior Service Cost 232 (59) 173 Other Comprehensive Income $ 1,563 $ (400) $ 1,163 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 The following table presents the changes in accumulated other comprehensive income by component: Changes in Accumulated Other Comprehensive Income 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, 2020 $ 5,799 $ 485 $ (5,929) $ (1,171) $ (816) Other comprehensive income before reclassifications (6,413) 929 6,500 — 1,016 Amounts reclassified from accumulated other comprehensive income 0 (94) 68 173 147 Net current-period other comprehensive income (6,413) 835 6,568 173 1,163 December 31, 2021 $ (614) $ 1,320 $ 639 $ (998) $ 347 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 loss — — 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) (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: Reclassification of Net Unrealized Gain on Cash Flow Hedge Agreements to Interest Expense 126 Interest expense Amortization of defined benefit pension items Prior-service credit $ (232) (2) Salaries and Employee Benefits Actuarial Loss (91) (2) Salaries and Employee Benefits (197) Total before tax 50 Provision for Income Taxes $ (147) Net of tax Total reclassifications for the period $ (147) Net of tax 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 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 (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, 2021
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: a 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 24, 2021 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 122,728 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, 2021. Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at January 1, 2021 272,024 $ 28.00 Granted 57,165 $ 28.69 Exercised (56,336) $ 26.71 Forfeited (2,095) $ 23.83 Outstanding at December 31, 2021 270,758 $ 28.45 6.45 $ 1,836 Vested at Period-End 138,543 $ 26.81 4.84 $ 1,167 Expected to Vest 132,215 $ 30.16 8.13 $ 670 The following is the Schedule of Stock Options Granted Under the Long Term Incentive Plan by Exercise Price Range. Exercise Price Ranges $19.16 to $19.67 $20.13 $21.21 to $21.65 $28.69 $29.02 to $29.14 $32.10 to $33.25 Total Outstanding at December 31, 2021 Number of Stock Options Outstanding 11,977 12,919 28,602 56,135 81,422 79,703 270,758 Weighted-Average Remaining Contractual Life (in years) 0.50 2.08 3.65 9.08 6.64 6.99 6.45 Weighted-Average Exercise Price $ 19.46 $ 20.13 $ 21.46 $ 28.69 $ 29.07 $ 32.83 $ 28.45 Vested at December 31, 2021 Number of Stock Options Outstanding 11,977 12,919 28,602 1,030 43,941 40,074 138,543 Weighted-Average Remaining Contractual Life (in years) 0.50 2.08 3.65 9.08 6.53 5.90 4.84 Weighted-Average Exercise Price $ 19.46 $ 20.13 $ 21.46 $ 28.69 $ 29.09 $ 32.42 $ 26.80 The following is the Schedule of Other Information on Stock Options Granted. 2021 2020 2019 Stock Options Granted 57,165 53,894 56,822 Weighted Average Grant Date Information: Fair Value of Options Granted $ 4.71 $ 4.70 $ 5.26 Fair Value Assumptions: Dividend Yield 3.41 % 2.90 % 3.26 % Expected Volatility 26.53 % 20.25 % 22.58 % Risk Free Interest Rate 0.49 % 1.53 % 2.63 % Expected Lives (in years) 8.75 6.68 8.68 Amount Expensed During the Year $ 282 $ 301 $ 316 Compensation Costs for Non-vested Awards Not Yet Recognized 427 440 487 Weighted Average Expected Vesting Period, In Years 2.16 2.17 2.07 Proceeds From Stock Options Exercised $ 1,505 $ 748 $ 1,792 Tax Benefits Related to Stock Options Exercised 69 52 227 Intrinsic Value of Stock Options Exercised 439 282 1,073 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, 2021. The Company started granting restricted stock units in 2018. Restricted Stock Units Weighted Average Grant Date Fair Value Non-vested at January 1, 2021 12,012 $ 30.70 Granted 4,880 $ 28.54 Vested (3,689) $ 29.82 Canceled — $ — Non-vested at December 31, 2021 13,203 $ 30.15 Non-vested at January 1, 2020 7,952 $ 29.39 Granted 4,060 $ 33.25 Vested — $ — Canceled — $ — Non-vested at December 31, 2020 12,012 $ 30.70 Non-vested at January 1, 2019 3,689 $ 29.81 Granted 4,263 $ 29.02 Vested — $ — Canceled — $ — Non-vested at December 31, 2019 7,952 $ 29.39 The following table presents information on the amounts expensed related to Restricted Stock Units awarded pursuant to the Long Term Incentive Plan for the years ended December 31, 2021, 2020 and 2019. 2021 2020 2019 Amount Expensed During the Year $ 132 $ 119 $ 75 Compensation Costs for Non-vested Awards Not Yet Recognized 149 141 126 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, 2021 and 2020, there was no outstanding balance remaining on the loans and therefore no remaining unallocated shares. The Company makes cash contributions to the Plan each year. Schedule of ESOP Compensation Expense 2021 2020 2019 ESOP Compensation Expense $ 1,487 $ 1,619 $ 1,368 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, 2021
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, 2021, 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-2021 mortality improvement scale on a generational basis for the Pension Plan and the sex-distinct amount-weighted White Collar tables for employees, healthy annuitants and contingent survivors, adjusted for mortality improvements with the scale MP-2021 mortality improvement scale on a generational basis for the Select Executive Retirement Plan. As of December 31, 2021, Arrow uses the sex-distinct Pri.H-2012 headcount-weighted mortality tables for employees and healthy annuitants, adjusted for mortality improvements with the Scale MP-2021 mortality improvement scale on a generational basis. Segment interest rates of 1.02%, 2.72% and 3.08% were used in determining the present value of a lump sum payment/annuitizing cash balance accounts for the 2021 plan year. Effective January 1, 2021, Glens Falls National 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 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, 2021 Fair Value of Plan Assets $ 68,925 $ — $ — Benefit Obligation 45,659 6,455 7,994 Funded Status of Plan $ 23,266 $ (6,455) $ (7,994) 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) Change in Benefit Obligation Benefit Obligation, at January 1, 2021 $ 44,877 $ 5,820 $ 9,028 Service Cost 1 1,934 582 109 Interest Cost 2 1,365 191 249 Plan Participants' Contributions — — 432 Amendments — — — Actuarial (Gain) Loss (347) 332 (1,240) Benefits Paid (2,170) (470) (584) Benefit Obligation, at December 31, 2021 $ 45,659 $ 6,455 $ 7,994 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 Change in Fair Value of Plan Assets Fair Value of Plan Assets, at January 1, 2021 $ 59,837 $ — $ — Actual Return on Plan Assets 11,258 — — Employer Contributions — 470 152 Plan Participants' Contributions — — 432 Benefits Paid (2,170) (470) (584) Fair Value of Plan Assets, at December 31, 2021 $ 68,925 $ — $ — 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 $ — $ — Accumulated Benefit Obligation at December 31, 2021 $ 45,482 $ 6,384 $ 7,994 Employees' Select Postretirement Amounts Recognized in the Consolidated Balance Sheets December 31, 2021 Prepaid Pension Asset $ 23,266 $ — — Accrued Benefit Liability — (6,455) (7,994) Net Benefit (Expense) Recognized $ 23,266 $ (6,455) $ (7,994) December 31, 2020 Prepaid Pension Asset $ 14,960 $ — — Accrued Benefit Liability — (5,820) (9,028) Net Benefit Recognized $ 14,960 $ (5,820) $ (9,028) Amounts Recognized in Other Comprehensive Income (Loss) For the Year Ended December 31, 2021 Net Unamortized (Gain) Loss Arising During the Period $ (7,826) $ 332 $ (1,239) Amortization of Net (Loss) Gain — (178) 87 Amortization of Prior Service Cost (78) (48) (106) Total Other Comprehensive (Loss) Income for Pension and $ (7,904) $ 106 $ (1,258) 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 Cost (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 Accumulated Other Comprehensive Income December 31, 2021 Net Actuarial (Gain) Loss $ (2,341) $ 2,651 $ (1,182) Prior Service Cost 453 411 472 Total Accumulated Other Comprehensive (Loss) Income, Before Tax $ (1,888) $ 3,062 $ (710) December 31, 2020 Net Actuarial Loss (Gain) $ 5,482 $ 2,497 $ (30) Prior Service Cost 533 459 578 Total Accumulated Other Comprehensive Income, Before Tax $ 6,015 $ 2,956 $ 548 Amounts that will be Amortized from Accumulated Net Actuarial Loss (Gain) $ — $ 157 $ (128) Prior Service Cost $ 77 $ 44 $ 106 Employees' Select Postretirement Net Periodic Benefit Cost For the Year Ended December 31, 2021 Service Cost 1 $ 1,934 $ 582 $ 109 Interest Cost 2 1,365 191 249 Expected Return on Plan Assets 2 (3,780) — — Amortization of Prior Service Cost 2 78 48 106 Amortization of Net Loss (Gain) 2 — 179 (88) Net Periodic Benefit Cost $ (403) $ 1,000 $ 376 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 (Gain) 2 613 113 (42) Net Periodic Benefit Cost $ 914 $ 708 $ 544 Weighted-Average Assumptions Used in December 31, 2021 Discount Rate 3.30 % 3.29 % 3.32 % 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 1.02%, 2.72% and 3.08% 1.02%, 2.72% and 3.08% Interest Rates to Convert Annuities to Actuarially 1.02%,2.72% and 3.08% 1.02%, 2.72% and 3.08% 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 % Employees' Select Postretirement Weighted-Average Assumptions Used in December 31, 2021 Discount Rate 3.14 % 3.19 % 3.17 % 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 1.02%, 2.72% and 3.08% 1.02%, 2.72% and 3.08% Interest Rates to Convert Annuities to Actuarially 1.02%, 2.72% and 3.08% 1.02%, 2.72% and 3.08% 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 % 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 % 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, 2021 Cash $ — $ — $ — $ — — % — % 15.0 % Interest-Bearing Money Market Fund 2,439 — — 2,439 3.5 % — % 15.0 % Arrow Common Stock 1 6,469 — — 6,469 9.4 % — % 10.0 % North Country Funds - Equity 2 29,490 — — 29,490 42.8 % Other Mutual Funds - Equity 16,761 — — 16,761 24.3 % Total Equity Funds 46,251 — — 46,251 67.1 % 55.0 % 85.0 % North Country Funds - Fixed income 2 6,317 — — 6,317 9.2 % Other Mutual Funds - Fixed Income 2,675 — — 2,675 3.9 % Total Fixed Income Funds 8,992 — — 8,992 13.1 % 10.0 % 30.0 % Alternative ETF 4,774 — — 4,774 6.9 % — % 20.0 % Total $ 68,925 $ — $ — $ 68,925 100.0 % 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 % Footnotes: 1 Payment for the acquisition of 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 2022 $ 2,666 $ 445 $ 610 2023 3,329 424 600 2024 3,106 630 607 2025 3,474 609 620 2026 2,699 582 631 2027 - 2031 15,040 2,605 2,917 Estimated Contributions During 2022 $ — $ 445 $ 610 Assumed Health Care Cost Trend Rates December 31, 2021 Health Care Cost Trend 7.00 % Rate to which the Cost Trend 3.78 % Year that the Rate Reaches 2075 December 31, 2020 Health Care Cost Trend 7.00 % 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 Notes 2, Summary of Significant Accounting Policies, and 17, Fair Values , to the Consolidated Financial Statements. 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, 2021
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: 2021 2020 2019 Legal and Other Professional Fees 2,706 2,516 2,469 Postage and Courier 1,044 957 1,051 Advertising and Promotion 1,083 1,140 1,236 Stationery and Printing 721 713 834 Intangible Asset Amortization 210 227 245 Litigation Reserve Expense 1,475 — — All Other 4,285 3,411 4,595 Total Other Operating Expense $ 11,524 $ 8,964 $ 10,430

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Income Taxes	INCOME TAXES (Dollars In Thousands) The provision for income taxes is summarized below: Current Tax Expense: 2021 2020 2019 Federal $ 10,957 $ 10,791 $ 7,706 State 2,645 2,485 1,550 Total Current Tax Expense 13,602 13,276 9,256 Deferred Tax Expense (Benefit): Federal 712 (1,569) 427 State 233 (671) (83) Total Deferred Tax Expense (Benefit) 945 (2,240) 344 Total Provision for Income Taxes $ 14,547 $ 11,036 $ 9,600 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: 2021 2020 2019 Statutory Federal Tax Rate 21.0 % 21.0 % 21.0 % (Decrease) Increase Resulting From: Tax-Exempt Income (1.5) (2.1) (2.7) Nondeductible Interest Expense — 0.1 0.2 State Taxes, Net of Federal Income Tax Benefit 3.4 2.6 2.3 Tax benefit from stock based compensation — (0.1) (0.3) Other Items, Net (0.3) (0.2) (0.1) Effective Tax Rate 22.6 % 21.3 % 20.4 % The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2021 and 2020 are presented below: 2021 2020 Deferred Tax Assets: Allowance for Credit Losses $ 7,440 $ 7,472 Lease liabilities 3,142 2,717 Pension and Deferred Compensation Plans 3,309 3,149 Pension Liability Included in Accumulated Other Comprehensive Income 124 2,439 Historic Tax Credit 1,023 1,394 Net Unrealized Losses on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income 211 — Other 841 385 Total Gross Deferred Tax Assets 16,090 17,556 Valuation Allowance for Deferred Tax Assets — — Total Gross Deferred Tax Assets, Net of Valuation Allowance $ 16,090 $ 17,556 Deferred Tax Liabilities: Pension Plans $ 5,470 $ 5,368 Depreciation 3,070 3,018 ROU assets 3,005 2,638 Deferred Income 3,778 2,327 Net Unrealized Gains on Equity Securities 160 132 Net Unrealized Gains on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income — 1,991 Goodwill 3,428 3,474 Gain on Cash Flow Hedge Agreements 453 166 Other 85 — Total Gross Deferred Tax Liabilities $ 19,449 19,114 Deferred Tax Liability, Net $ 3,359 $ 1,558 Management believes that the realization of the recognized gross deferred tax assets at December 31, 2021 and 2020 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 2018 through 2021 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, 2021.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2021
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, 2021. All share and per share amounts have been adjusted for the September 24, 2021 3% stock dividend. Earnings Per Share Year-to-Date Period Ended: 12/31/2021 12/31/2020 12/31/2019 Earnings Per Share - Basic: Net Income $ 49,857 $ 40,827 $ 37,475 Weighted Average Shares - Basic 16,018 15,929 15,849 Earnings Per Share - Basic $ 3.11 $ 2.56 $ 2.36 Earnings Per Share - Diluted: Net Income $ 49,857 $ 40,827 $ 37,475 Weighted Average Shares - Basic 16,018 15,929 15,849 Dilutive Average Shares Attributable to Stock Options 55 15 47 Weighted Average Shares - Diluted 16,073 15,944 15,896 Earnings Per Share - Diluted $ 3.10 $ 2.56 $ 2.36

Fair Values

Fair Values	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020 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 , to the Consolidated Financial Statements. 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, 2021 Assets: Securities Available-for Sale: U.S. Government & Agency Obligations $ 108,365 $ — $ 108,365 $ — State and Municipal Obligations 400 — 400 — Mortgage-Backed Securities 449,751 — 449,751 — Corporate and Other Debt Securities 800 — 800 — Total Securities Available-for-Sale 559,316 — 559,316 $ — Equity Securities 1,747 — 1,747 — Total Securities Measured on a Recurring Basis 561,063 — 561,063 — Derivatives, included in other assets 2,083 — 2,083 — Total Measured on a Recurring Basis $ 563,146 $ — $ 563,146 $ — Liabilities: Derivatives, included in other liabilities $ 2,083 $ — $ 2,083 $ — Total Measured on a Recurring Basis $ 2,083 $ — $ 2,083 $ — 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 $ — 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, 2021 Collateral Dependent Impaired Loans $ 2,457 $ — $ — $ 2,457 $ — Other Real Estate Owned and Repossessed Assets, Net 126 — — 126 — December 31, 2020 Collateral Dependent Impaired Loans $ 594 $ — $ — $ 594 $ — Other Real Estate Owned and Repossessed Assets, Net 155 — — 155 — 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, 2021 or 2020. 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 at least annually, with no impairment recognized for these assets at December 31, 2021 and 2020. 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 credit loss model. Finally, a discount spread is applied separately for consumer loans vs. commercial loans based on market information and utilization of the swap curve. The fair value of time deposits is based on the discounted value of contractual cash flows, except that the fair value is limited to the extent that the customer could redeem the certificate after imposition of a premature withdrawal penalty. The discount rates are estimated using the Federal Home Loan Bank of New York ("FHLBNY") yield curve, which is considered representative of Arrow’s time deposit rates. The fair value of all other deposits is equal to the carrying value. The fair value of FHLBNY advances is calculated by the FHLBNY. The carrying amount of FHLBNY and FRB stock approximates fair value. If the stock was redeemed, the Company will receive an amount equal to the par value of the stock. The book value of the outstanding trust preferred securities (Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts) are considered to approximate fair value since the interest rates are variable (indexed to LIBOR) and Arrow is well-capitalized. Fair Value by Balance Sheet Grouping The following table presents a summary of the carrying amount, the fair value or an amount approximating fair value and the fair value hierarchy of Arrow’s financial instruments: Schedule of Fair Values by Balance Sheet Grouping Fair Value Hierarchy Carrying Fair Level 1 Level 2 Level 3 December 31, 2021 Cash and Cash Equivalents $ 457,696 $ 457,696 $ 457,696 $ — $ — Securities Available-for-Sale 559,316 559,316 — 559,316 — Securities Held-to-Maturity 196,566 201,292 — 201,292 — Equity Securities 1,747 1,747 1,747 Federal Home Loan Bank and Federal Reserve Bank Stock 5,380 5,380 — 5,380 — Net Loans 2,640,660 2,618,311 — — 2,618,311 Accrued Interest Receivable 7,384 7,384 — 7,384 — Derivatives, included in other assets 2,083 2,083 — 2,083 — Deposits 3,550,497 3,548,554 — 3,548,554 — Federal Home Loan Bank Term Advances 45,000 45,518 — 45,518 — Junior Subordinated Obligations Issued 20,000 20,000 — 20,000 — Accrued Interest Payable 138 138 — 138 — Derivatives, included in other liabilities 2,083 2,083 — 2,083 — 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 —

Leases

Leases	12 Months Ended
	Dec. 31, 2021
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Leases	LEASES (Dollars In Thousands) Arrow 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 two 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. Arrow also leases one administrative office from an entity controlled by Elizabeth Miller, who serves as a director on the board of directors of each of Arrow and Glens Falls National. Additional information regarding these relationships can be found in Arrow's Proxy Statement for its Annual Meeting of Shareholders to be held May 4, 2022 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, 2021 and December 31, 2020: Twelve Months Ended Finance Lease Amounts: Classification December 31, 2021 December 31, 2020 Right-of-Use Assets Premises and Equipment, Net $ 4,814 $ 4,991 Lease Liabilities Finance Leases 5,169 5,217 Operating Lease Amounts: Right-of-Use Assets Other Assets $ 6,941 $ 5,326 Lease Liabilities Other Liabilities 7,124 5,410 Other Information: Cash Paid For Amounts Included In The Measurement Of Lease Liabilities: Operating Outgoing Cash Flows From Finance Leases $ 195 $ 196 Operating Outgoing Cash Flows From Operating Leases 794 778 Financing Outgoing Cash Flows From Finance Leases 48 37 Right-of-Use Assets Obtained In Exchange For New Finance Lease Liabilities — — Right-of-Use Assets Obtained In Exchange For New Operating Lease Liabilities 2,508 294 Weighted-average Remaining Lease Term - Finance Leases (Yrs.) 28.20 29.17 Weighted-average Remaining Lease Term - Operating Leases (Yrs.) 11.17 13.05 Weighted-average Discount Rate—Finance Leases 3.75 % 3.75 % Weighted-average Discount Rate—Operating Leases 2.77 % 3.28 % Lease cost information for the Company's leases is as follows: Three Months Ended Twelve Months Ended December 31, 2021 December 31, 2020 December 31, 2021 December 31, 2020 Lease Cost: Finance Lease Cost: Reduction in the Carrying Amount of Right-of-use assets $ 44 $ 44 $ 177 $ 177 Interest on Lease Liabilities 49 48 195 196 Operating Lease Cost 270 214 1,007 838 Short-term Lease Cost 19 8 47 40 Variable Lease Cost 67 39 270 204 Total Lease Cost $ 449 $ 353 $ 1,696 $ 1,455 Future Lease Payments at December 31, 2021 are as follows: Operating Leases Finance Leases Twelve Months Ended: 12/31/2022 $ 1,216 $ 243 12/31/2023 997 243 12/31/2024 756 249 12/31/2025 694 263 12/31/2026 631 268 Thereafter 4,208 7,532 Total Undiscounted Cash Flows 8,502 8,798 Less: Net Present Value Adjustment 1,378 3,629 Lease Liability $ 7,124 $ 5,169
Leases	LEASES (Dollars In Thousands) Arrow 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 two 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. Arrow also leases one administrative office from an entity controlled by Elizabeth Miller, who serves as a director on the board of directors of each of Arrow and Glens Falls National. Additional information regarding these relationships can be found in Arrow's Proxy Statement for its Annual Meeting of Shareholders to be held May 4, 2022 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, 2021 and December 31, 2020: Twelve Months Ended Finance Lease Amounts: Classification December 31, 2021 December 31, 2020 Right-of-Use Assets Premises and Equipment, Net $ 4,814 $ 4,991 Lease Liabilities Finance Leases 5,169 5,217 Operating Lease Amounts: Right-of-Use Assets Other Assets $ 6,941 $ 5,326 Lease Liabilities Other Liabilities 7,124 5,410 Other Information: Cash Paid For Amounts Included In The Measurement Of Lease Liabilities: Operating Outgoing Cash Flows From Finance Leases $ 195 $ 196 Operating Outgoing Cash Flows From Operating Leases 794 778 Financing Outgoing Cash Flows From Finance Leases 48 37 Right-of-Use Assets Obtained In Exchange For New Finance Lease Liabilities — — Right-of-Use Assets Obtained In Exchange For New Operating Lease Liabilities 2,508 294 Weighted-average Remaining Lease Term - Finance Leases (Yrs.) 28.20 29.17 Weighted-average Remaining Lease Term - Operating Leases (Yrs.) 11.17 13.05 Weighted-average Discount Rate—Finance Leases 3.75 % 3.75 % Weighted-average Discount Rate—Operating Leases 2.77 % 3.28 % Lease cost information for the Company's leases is as follows: Three Months Ended Twelve Months Ended December 31, 2021 December 31, 2020 December 31, 2021 December 31, 2020 Lease Cost: Finance Lease Cost: Reduction in the Carrying Amount of Right-of-use assets $ 44 $ 44 $ 177 $ 177 Interest on Lease Liabilities 49 48 195 196 Operating Lease Cost 270 214 1,007 838 Short-term Lease Cost 19 8 47 40 Variable Lease Cost 67 39 270 204 Total Lease Cost $ 449 $ 353 $ 1,696 $ 1,455 Future Lease Payments at December 31, 2021 are as follows: Operating Leases Finance Leases Twelve Months Ended: 12/31/2022 $ 1,216 $ 243 12/31/2023 997 243 12/31/2024 756 249 12/31/2025 694 263 12/31/2026 631 268 Thereafter 4,208 7,532 Total Undiscounted Cash Flows 8,502 8,798 Less: Net Present Value Adjustment 1,378 3,629 Lease Liability $ 7,124 $ 5,169

Derivative Instruments and Hedg

Derivative Instruments and Hedging Activities	12 Months Ended
	Dec. 31, 2021
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, 2021 December 31, 2020 Fair value adjustment included in other assets $ 2,083 $ 5,080 Fair value adjustment included in other liabilities 2,083 5,080 Notional amount 172,668 176,637 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, 2021 December 31, 2020 Amount of gain recognized in AOCI $ 1,249 $ 651 Amount of gain reclassified from AOCI interest expense 126 —

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2021
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, 2021, the maximum amount that could have been paid by subsidiary banks to Arrow, without prior regulatory approval, was approximately $82.7 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, 2021 and 2020, 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. In 2020, federal bank regulators introduced an optional simplified measure of capital adequacy for qualifying community banking organizations (CBLR). A qualifying community banking organization that opts into the CBLR framework and meets all the 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 final rule became effective as of January 1, 2020, and Arrow and both subsidiary banks have opted out of utilizing the CBLR framework. Therefore, the Capital Rules promulgated under Dodd-Frank remain applicable to Arrow and both subsidiary banks. As of December 31, 2021, 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, 2021 and 2020: 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, 2021 Total Capital Arrow $ 400,661 15.7 % $ 267,958 10.5 % $ 255,198 10.0 % Glens Falls National 295,047 15.1 % 205,165 10.5 % 195,395 10.0 % Saratoga National 90,924 15.2 % 62,809 10.5 % 59,818 10.0 % Tier I Capital Arrow 371,556 14.6 % 216,317 8.5 % 203,592 8.0 % Glens Falls National 274,208 14.1 % 165,303 8.5 % 155,579 8.0 % Saratoga National 83,432 13.9 % 51,020 8.5 % 48,018 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 371,556 9.2 % 161,546 4.0 % 201,933 5.0 % Glens Falls National 274,208 8.6 % 127,539 4.0 % 159,423 5.0 % Saratoga National 83,432 9.8 % 34,054 4.0 % 42,567 5.0 % Common Equity Tier 1 Capital Arrow 351,497 13.8 % 178,296 7.0 % 165,560 6.5 % Glens Falls National 274,149 14.1 % 136,102 7.0 % 126,381 6.5 % Saratoga National 83,432 13.9 % 42,016 7.0 % 39,015 6.5 % 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 % 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 %

Parent Only Financial Informati

Parent Only Financial Information	12 Months Ended
	Dec. 31, 2021
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 2021 2020 Interest-Bearing Deposits with Subsidiary Banks $ 232 $ — Equity Securities 1,747 1,636 Investment in Subsidiaries at Equity 377,163 341,958 Other Assets 13,061 13,294 Total Assets $ 392,203 $ 356,888 LIABILITIES Junior Subordinated Obligations Issued to $ 20,000 $ 20,000 Other Liabilities 1,017 2,496 Total Liabilities 21,017 22,496 STOCKHOLDERS’ EQUITY Total Stockholders’ Equity 371,186 334,392 Total Liabilities and Stockholders’ Equity $ 392,203 $ 356,888 STATEMENTS OF INCOME Years Ended December 31, Income: 2021 2020 2019 Dividends from Bank Subsidiaries $ 15,994 $ 17,199 $ 14,100 Interest and Dividends on Investments 49 49 49 Other Income (Including Management Fees) 664 246 1,006 Total Income 16,707 17,494 15,155 Expense: Interest Expense 686 746 1,024 Other Expense 879 878 875 Total Expense 1,565 1,624 1,899 Income Before Income Tax Benefit and Equity in Undistributed Net Income of Subsidiaries 15,142 15,870 13,256 Income Tax Benefit 312 431 466 Equity in Undistributed Net Income of Subsidiaries 34,403 24,526 23,753 Net Income $ 49,857 $ 40,827 $ 37,475 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, 2021 2020 2019 Cash Flows from Operating Activities: Net Income $ 49,857 $ 40,827 $ 37,475 Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities: Undistributed Net Income of Subsidiaries (34,403) (24,526) (23,753) Shares Issued Under the Directors’ Stock Plan 376 125 258 Changes in Other Assets and Other Liabilities (462) (3,606) (1,236) Net Cash Provided by Operating Activities 15,368 12,820 12,744 Cash Flows from Financing Activities: Stock Options Exercised 1,505 748 1,792 Shares Issued Under the Employee Stock Purchase Plan 481 513 493 Shares Issued for Dividend Reinvestment Plans 1,836 1,808 1,777 Purchase of Treasury Stock (2,662) (1,578) (2,469) Cash Dividends Paid (16,296) (15,740) (15,206) Net Cash Used in Financing Activities (15,136) (14,249) (13,613) Net Increase (Decrease) in Cash and Cash Equivalents 232 (1,429) (869) Cash and Cash Equivalents at Beginning of the Year — 1,429 2,298 Cash and Cash Equivalents at End of the Year $ 232 $ — $ 1,429 Supplemental Disclosures to Statements of Interest Paid $ 686 $ 746 $ 1,024

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2021
Accounting Policies [Abstract]
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.Arrow 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. Arrow 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 Arrow 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. Arrow's wholly owned subsidiaries Arrow Capital Statutory Trust II and Arrow Capital Statutory Trust III are VIEs for which Arrow is not the primary beneficiary. Accordingly, the accounts of these entities are not included in Arrow'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. Arrow performs a qualitative assessment to determine whether investments are impaired.Premiums and discounts are amortized or accreted over the life of the related security as an adjustment to yield using the interest method. Dividend and interest income are recognized when earned. Realized gains and losses on securities sold are derived using the specific identification method for determining the cost of securities sold.
Allowance for Credit Losses	Held to Maturity (HTM) Debt Securities - Arrow's HTM debt securities are also required to utilize the CECL approach to estimate expected credit losses. Management measures expected credit losses on HTM debt securities on a collective basis by major security types that share similar risk characteristics, such as financial asset type and collateral type adjusted for current conditions and reasonable and supportable forecasts. Management classifies the HTM portfolio into the following major security types: U.S. government agency or U.S. government sponsored mortgage-backed and collateralized mortgage obligations securities, and state and municipal debt securities. The mortgage-backed and collateralized mortgage obligations HTM securities are issued by U.S. government entities and agencies. These securities are either explicitly or implicitly guaranteed by the U.S. government as to timely repayment of principal and interest, are highly rated by major rating agencies, and have a long history of no credit losses. Therefore, Arrow did not record a credit loss for these securities. State and municipal bonds carry an investment grade from an accredited ratings agency, primarily with an investment grade rating. In addition, Arrow has a limited amount of New York state local municipal bonds that are not rated. The estimate of expected credit losses on the HTM portfolio is based on the expected cash flows of each individual CUSIP over its contractual life and utilized a municipal loss forecast model for determining PD and LGD rates. Management may exercise discretion to make adjustments based on environmental factors. A calculated expected credit loss for individual securities was determined using the PD and LGD rates. Arrow determined that the expected credit loss on its municipal bond portfolio was de minimis, and therefore, an allowance for credit losses was not recorded. Allowance for Credit Losses – Available for Sale (AFS) Debt Securities - The impairment model for AFS debt securities differs from the CECL approach utilized by HTM debt securities since AFS debt securities are measured at fair value rather than amortized cost. For AFS debt securities in an unrealized loss position, the Bank first assesses whether it intends to sell, or it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For AFS debt securities that do not meet the aforementioned criteria, in making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, adverse conditions specifically related to the security, failure of the issuer of the debt security to make scheduled interest or principal payments, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. The cash flows are estimated using information relevant to the collectability of the security, including information about past events, current conditions and reasonable and supportable forecasts. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. 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 - 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 and 2021. 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. Allowance for Credit Losses – Loans - CECL - Accounting Standards Update (“ASU”) 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments (CECL) approach requires an estimate of the credit losses expected over the life of a loan (or pool of loans). It replaces the incurred loss approach’s threshold that required the recognition of a credit loss when it was probable that a loss event was incurred. The allowance for credit losses is a valuation account that is deducted from, or added to, the loans’ amortized cost basis to present the net, lifetime amount expected to be collected on the loans. Credit losses are charged off against the allowance when management believes a loan balance is confirmed to be uncollectible. Expected recoveries do not exceed the aggregate of amounts previously charged off and expected to be charged off. Management estimates the allowance using relevant available information from internal and external sources related to past events, current conditions, and a reasonable and supportable single economic forecast. Historical credit loss experience provides the basis for the estimation of expected credit losses. Arrow's historical loss experience was supplemented with peer information when there was insufficient loss data for Arrow. Peer selection was based on a review of institutions with comparable loss experience as well as loan yield, bank size, portfolio concentration and geography. Adjustments to historical loss information are made for differences in current loan-specific risk characteristics such as differences in credit concentrations, delinquency level, collateral values and underwriting standards as well as changes in economic conditions or other relevant factors. Management judgment is required at each point in the measurement process. Portfolio segment is defined as the level at which an entity develops and documents a systematic methodology to determine its allowance for credit losses. Upon adoption of CECL, management revised the manner in which loans were pooled for similar risk characteristics. Management developed portfolio segments for estimating loss based on type of borrower and collateral as follows: Commercial Loans Commercial Real Estate Loans Consumer Loans Residential Loans Further details related to loan portfolio segments is included in Note 5 Loans. Historical credit loss experience for both Arrow and segment-specific peers provides the basis for the estimation of expected credit losses. Arrow utilized regression analyses of peer data, of which Arrow is included, where observed credit losses and selected economic factors were utilized to determine suitable loss drivers for modeling lifetime probability of default (PD) rates. Arrow uses the discounted cash flow (DCF) method to estimate expected credit losses for the commercial, commercial real estate, and residential segments. For each of these loan segments, Arrow generates cash flow projections at the instrument level wherein payment expectations are adjusted for estimated prepayment speed, curtailments, time to recovery, PD, and segment-specific loss given default (LGD) risk factors. The modeling of expected prepayment speeds, curtailment rates, and time to recovery are based on historical internal data and adjusted, if necessary, based on the reasonable and supportable forecast of economic conditions. For the loan segments utilizing the DCF method, (commercial, commercial real estate, and residential) management utilizes externally developed economic forecast of the following economic factors as loss drivers: national unemployment, gross domestic product and home price index (HPI). The economic forecast is applied over a reasonable and supportable forecast period. Arrow utilizes a six quarter reasonable and supportable forecast period with an eight quarter reversion to the historic mean on a straight-line basis. The combination of adjustments for credit expectations (default and loss) and timing expectations (prepayment, curtailment, and time to recovery) produces an expected cash flow stream at the instrument level. Instrument effective yield is calculated, net of the impacts of prepayment assumptions, and the instrument expected cash flows are then discounted at that effective yield to produce an instrument-level net present value of expected cash flows (NPV). An allowance for credit loss is established for the difference between the instrument’s NPV and amortized cost basis. The contractual term excludes expected extensions, renewals, and modifications unless either of the following applies: management has a reasonable expectation at the reporting date that a troubled debt restructuring (TDR) will be executed with an individual borrower or the extension or renewal options are included in the original or modified contract at the reporting date and are not unconditionally cancellable by Arrow. Arrow uses the vintage analysis method to estimate expected credit losses for the consumer loan segment. The vintage method was selected since the loans within the consumer loan segment are homogeneous, not just by risk characteristic, but by loan structure. Under the vintage analysis method, a loss rate is calculated based on the quarterly net charge-offs to the outstanding loan balance for each vintage year over the lookback period. Once this periodic loss rate is calculated for each quarter in the lookback period, the periodic rates are averaged into the loss rate. The loss rate is then applied to the outstanding loan balances based on the loan's vintage year. Arrow maintains, over the life of the loan, the loss curve by vintage year. If estimated losses computed by the vintage method need to be adjusted based on current conditions and the reasonable and supportable economic forecast, these adjustments would be incorporated over a six quarter reasonable and supportable forecast period, reverting to historical losses using a straight-line method over an eight quarter period. Based on current conditions and the reasonable and supportable economic forecast, no adjustments are currently required. The vintage and DCF models also consider the need to qualitatively adjust expected loss estimates for information not already captured in the quantitative loss estimation process. Qualitative considerations include limitations inherent in the quantitative model; trends experienced in nonperforming and delinquent loans; changes in value of underlying collateral; changes in lending policies and procedures; nature and composition of loans; portfolio concentrations that may affect loss experience across one or more components or the portfolio; the experience, ability and depth of lending management and staff; Arrow's credit review system; and the effect of external factors such as competition, legal and regulatory requirements. These qualitative factor adjustments may increase or decrease Arrow's estimate of expected credit losses so that the allowance for credit loss is reflective of the estimate of lifetime losses that exist in the loan portfolio at the balance sheet date. All loans not included in the vintage analysis method that exceed $250,000 which are on nonaccrual, are evaluated on an individual basis. For collateral dependent financial assets where Arrow has determined that foreclosure of the collateral is probable, or where the borrower is experiencing financial difficulty and Arrow expects repayment of the financial asset to be provided substantially through the operation or sale of the collateral, Arrow has elected a practical expedient to measure the allowance for credit loss as the difference between the fair value of the collateral less cost to sell, and the amortized cost basis of the asset as of the measurement date. In the event where the repayment of a collateral dependent financial asset is expected to be provided substantially through the operating of the collateral, Arrow will use fair value of the collateral at the reporting date when recording the net carrying amount of the asset and determining the allowance for credit losses. When repayment is expected to be from the sale of the collateral, expected credit losses are calculated as the amount by which the amortized cost basis of the financial asset exceeds the fair value of the underlying collateral less estimated cost to sell. The allowance for credit losses may be zero if the fair value of the collateral at the measurement date exceeds the amortized cost basis of the financial asset. Except as set forth below, a loan that has been modified or renewed is considered a TDR when two conditions are met: • The borrower is experiencing financial difficulty, and • Concessions are made for the borrower's benefit that would not otherwise be considered for a borrower or transaction with similar credit risk characteristics. Arrow's allowance for credit losses reflects all effects of a TDR when an individual asset is specifically identified as a reasonably expected TDR. Arrow has determined that a TDR is reasonably expected no later than the point it is determined that modification is the best course of action and it is at least reasonably possible that the troubled borrower will accept some form of concession to avoid a default. Reasonably expected TDRs and executed non-performing TDRs are evaluated individually to determine the required allowance for credit losses. TDRs performing in accordance with their modified contractual terms for a reasonable period of time may be included in Arrow's existing pools based on the underlying risk characteristics of the loan to measure the allowance for credit losses. In accordance with the Coronavirus Aid, Relief, and Economic Security (CARES) Act and ASC Subtopic 310-40, as extended by the Consolidated Appropriations Act, 2021, if a qualifying loan modification was made for a borrower as the result of the COVID-19 pandemic, this modification was not considered a TDR. Estimated Credit Losses on Off-Balance Sheet Credit Exposures Recognized as Other Liabilities - Arrow estimates expected credit losses over the contractual period in which Arrow has exposure to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by Arrow. The allowance for credit losses on off-balance sheet credit exposures recognized in other liabilities, is adjusted as an expense in other noninterest expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over their estimated lives. Estimating credit losses on unfunded commitments requires the Bank to consider the following categories of off-balance sheet credit exposure: unfunded commitments to extend credit, unfunded lines of credit, and standby letters of credit. Each of these unfunded commitments is then analyzed for a probability of funding to calculate a probable funding amount. The life of loan loss factor by related portfolio segment from the loan allowance for credit loss calculation is then applied to the probable funding amount to calculate the estimated credit losses on off-balance sheet credit exposures recognized as other liabilities. Accrued Interest Receivable - Upon adoption of CECL on January 1, 2021, Arrow made the following elections regarding accrued interest receivable: (1) presented accrued interest receivable balances separately within the other assets balance sheet line item; (2) excluded interest receivable that is included in amortized cost of financing receivables from related disclosures requirements and (3) continued Arrow's policy to write off accrued interest receivable by reversing interest income. For loans, write off typically occurs upon becoming over 90 to 120 days past due and therefore the amount of such write offs are immaterial. Historically, Arrow has not experienced uncollectible accrued interest receivable on investment securities. Allowance for Loan Losses – Incurred Loss Method - Prior to the adoption of CECL on January 1, 2021, Arrow calculated the allowance for loan losses using the incurred loss method whereby the allowance represented management’s estimate of probable incurred losses inherent in the current loan portfolio based on current information available. 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 allowance for credit losses at each balance sheet date, either under the CECL methodology or the incurred loss methodology, is sufficient to provide for probable loan losses inherent in the corresponding loan portfolio.
Comprehensive Income (Loss)	For Arrow, comprehensive income (loss) represents net income plus unrealized net securities holding gains or losses arising during the year (net of taxes), the reclassification adjustment for net securities gains and losses arising during the year (net of taxes), net unrealized gains or losses on cash flow hedge agreements, reclassification of net unrealized gain or loss on cash flow hedge agreements to interest expense (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 unrealized gains or losses on cash flow hedge agreements, reclassification of net unrealized gain or loss on cash flow hedge agreements to interest expense (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 Arrow 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	Arrow 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. Arrow also elected to account for short-term leases, those leases with a "lease term" of twelve months or less, as an operating lease. Since Arrow 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.”
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, 2021 and 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	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 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 credit 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	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 credit losses, the evaluation of other-than-temporary impairment of investment securities, goodwill impairment, pension and other postretirement liabilities and an analysis of a need for a valuation allowance for deferred tax assets. Actual results could differ from those estimates.A material estimate that is particularly susceptible to significant change in the near term is the allowance for credit losses. In connection with the determination of the allowance for credit losses, management obtains appraisals for properties.  The allowance for credit losses is management’s best estimate of probable credit losses as of the balance sheet date.  While management uses available information to recognize losses on loans, future adjustments to the allowance for credit losses may be necessary based on changes in economic conditions.
New Accounting Pronouncements	In June 2016, the Financial Accounting Standards Board (FASB) issued ASU 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments and all related subsequent amendments thereto. ASU 2016-13 introduces new guidance that makes substantive changes to the accounting for credit losses. ASU 2016-13 introduces the CECL model, which applies to financial assets subject to credit losses and measured at amortized cost, as well as certain off-balance sheet credit exposures. This includes loans, loan commitments, standby letters of credit, net investments in leases recognized by a lessor and HTM debt securities. The CECL model requires an entity to estimate credit losses expected over the life of an exposure, considering information about historical events, current conditions and reasonable and supportable forecasts and is generally expected to result in earlier recognition of credit losses. ASU 2016-13 also modifies certain provisions of the current other-than-temporary impairment model for AFS debt securities. Credit losses on AFS debt securities will be limited to the difference between the security’s amortized cost basis and its fair value and will be recognized through an allowance for credit losses rather than as a direct reduction in amortized cost basis. ASU 2016-13 also provides for a simplified accounting model for purchased financial assets with more than insignificant credit deterioration since their origination. ASU 2016-13 requires expanded disclosures including, but not limited to, (1) information about the methods and assumptions used to estimate expected credit losses, including changes in the factors that influenced management’s estimate and the reasons for those changes, (2) financing receivables and net investment in leases measured at amortized cost, further disaggregation of information about the credit quality of those assets and (3) a rollforward of the allowance for credit losses for HTM and AFS securities. The standard also changes the accounting for purchased credit-impaired debt securities and loans. ASU 2016-13 was effective for Arrow on January 1, 2020. As permitted by the CARES Act, Arrow deferred the adoption of the CECL methodology in determining credit losses until January 1, 2021. Management expects that the CECL model may create more volatility in the level of our allowance for credit losses from quarter to quarter as changes in the level of allowance for credit losses will be dependent upon, among other things, macroeconomic forecasts and conditions, loan portfolio volumes and credit quality. Arrow adopted CECL on January 1, 2021 (“Day 1”) using the modified retrospective method for all financial assets measured at amortized cost and off-balance-sheet credit exposures recognized as other liabilities. Results for reporting periods beginning after January 1, 2021 are presented under Accounting Standards Codification (ASC) 326 while prior period amounts continue to be reported in accordance with previously applicable GAAP. Arrow recorded a net increase to retained earnings of $120,000 as of January 1, 2021 for the cumulative effect of adopting ASC 326. The transition adjustment includes a $1.3 million decrease to the allowance for credit losses on loans, a $1.1 million increase to the estimated credit losses on off-balance sheet credit exposures recorded as other liabilities, and a $41,000 impact to the deferred tax liability. Arrow did not record an allowance for HTM debt securities on January 1, 2021 as the amount of credit risk was deemed immaterial. Arrow did not record an allowance for credit losses on its AFS debt securities under the newly codified AFS debt security impairment model, as the majority of these securities are government agency-backed securities for which the risk of loss is minimal. Refer to Note 3 Investment Securities and Note 4 Loans (under the captions "Allowance for Credit Losses" and "Loan Credit Quality Indicators") to the Company’s unaudited interim consolidated financial statements included in this Form 10-Q for more information. In December 2019, the FASB issued ASU 2019-12 "Simplifying the Accounting for Income Taxes" (Topic 740), which removes certain exceptions to the general principles in Topic 740 and improves consistent application of and simplifies GAAP for other areas of Topic 740 by clarifying and amending existing guidance. This ASU is effective for fiscal years beginning after December 15, 2020 and interim periods within those fiscal years, with early adoption permitted. Arrow adopted this standard on January 1, 2021. Arrow does not expect that the adoption of this standard will have a material impact on its financial position or the results of operations in periods subsequent to its adoption.
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, 2021 or 2020. 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 at least annually, with no impairment recognized for these assets at December 31, 2021 and 2020. 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 credit loss model. Finally, a discount spread is applied separately for consumer loans vs. commercial loans based on market information and utilization of the swap curve. The fair value of time deposits is based on the discounted value of contractual cash flows, except that the fair value is limited to the extent that the customer could redeem the certificate after imposition of a premature withdrawal penalty. The discount rates are estimated using the Federal Home Loan Bank of New York ("FHLBNY") yield curve, which is considered representative of Arrow’s time deposit rates. The fair value of all other deposits is equal to the carrying value. The fair value of FHLBNY advances is calculated by the FHLBNY. The carrying amount of FHLBNY and FRB stock approximates fair value. If the stock was redeemed, the Company will receive an amount equal to the par value of the stock. The book value of the outstanding trust preferred securities (Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts) are considered to approximate fair value since the interest rates are variable (indexed to LIBOR) and Arrow is well-capitalized.

Cash and Cash Equivalents (Tabl

Cash and Cash Equivalents (Tables)	12 Months Ended
	Dec. 31, 2021
Cash and Cash Equivalents [Abstract]
Schedule of Cash and Cash Equivalents	2021 2020 Balances at December 31: Cash and Due From Banks $ 26,978 $ 42,116 Interest-Bearing Deposits at Banks 430,718 338,875 Total Cash and Cash Equivalents $ 457,696 $ 380,991 Supplemental Information: Restricted cash pledged as collateral related to swap agreements and included in Cash and Due From Banks $ — $ 500
Restrictions on Cash and Cash Equivalents	2021 2020 Balances at December 31: Cash and Due From Banks $ 26,978 $ 42,116 Interest-Bearing Deposits at Banks 430,718 338,875 Total Cash and Cash Equivalents $ 457,696 $ 380,991 Supplemental Information: 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, 2021
Investments, Debt and Equity Securities [Abstract]
Available-for-sale Securities	The following table is the schedule of Available-For-Sale Securities at December 31, 2021 and 2020: Available-For-Sale Securities U.S. Government & Agency State and Mortgage- Corporate Total December 31, 2021 Available-For-Sale Securities, $ 110,000 $ 400 $ 448,742 $ 1,000 $ 560,142 Gross Unrealized Gains 63 — 3,617 — 3,680 Gross Unrealized Losses (1,698) — (2,608) (200) (4,506) Available-For-Sale Securities, $ 108,365 $ 400 $ 449,751 $ 800 $ 559,316 Available-For-Sale Securities, 298,106 Maturities of Debt Securities, Within One Year 5,000 — 104 — 5,104 From 1 - 5 Years 105,000 40 370,134 — 475,174 From 5 - 10 Years — 360 78,504 1,000 79,864 Over 10 Years — — — — — Maturities of Debt Securities, Within One Year 5,064 — 108 — 5,172 From 1 - 5 Years 103,301 40 371,569 — 474,910 From 5 - 10 Years — 360 78,074 800 79,234 Over 10 Years — — — — — Securities in a Continuous Less than 12 Months $ 74,088 $ — $ 263,292 $ — $ 337,380 12 Months or Longer 29,214 — — 800 30,014 Total $ 103,302 $ — $ 263,292 $ 800 $ 367,394 Number of Securities in a 14 — 39 1 54 Unrealized Losses on Less than 12 Months $ 912 $ — $ 2,608 $ — $ 3,520 12 Months or Longer 786 — — 200 986 Total $ 1,698 $ — $ 2,608 $ 200 $ 4,506 Disaggregated Details: US Agency Obligations, 110,000 US Agency Obligations, 108,365 US Government Agency $ 9,386 US Government Agency 9,371 Government Sponsored Entity 439,356 Government Sponsored Entity 440,380 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 Gross Unrealized Gains 184 — 7,934 — 8,118 Gross Unrealized Losses (74) — (54) (200) (328) Available-For-Sale Securities, $ 65,112 $ 528 $ 298,847 $ 800 $ 365,287 Available-For-Sale Securities, 244,411 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 At December 31, 2021, there was no allowance for credit losses for the available for sale securities portfolio.
Held-to-maturity Securities	The following table is the schedule of Held-To-Maturity Securities at December 31, 2021 and 2020: Held-To-Maturity Securities State and Mortgage- Total December 31, 2021 Held-To-Maturity Securities, $ 180,195 $ 16,371 $ 196,566 Gross Unrealized Gains 4,179 547 4,726 Gross Unrealized Losses — — — Held-To-Maturity Securities, $ 184,374 $ 16,918 $ 201,292 Held-To-Maturity Securities, 175,218 Maturities of Debt Securities, Within One Year 29,600 462 30,062 From 1 - 5 Years 138,210 15,909 154,119 From 5 - 10 Years 12,239 — 12,239 Over 10 Years 146 — 146 Maturities of Debt Securities, Within One Year 29,766 468 30,234 From 1 - 5 Years 141,753 16,450 158,203 From 5 - 10 Years 12,704 — 12,704 Over 10 Years 151 — 151 Securities in a Continuous Less than 12 Months $ — $ — $ — 12 Months or Longer — — — Total $ — $ — $ — Number of Securities in a — — — Unrealized Losses on Securities Less than 12 Months $ — $ — $ — 12 Months or Longer — — — Total $ — $ — $ — Disaggregated Details: US Government Agency 5,518 US Government Agency 5,647 Government Sponsored Entity 10,853 Government Sponsored Entity 11,271 Held-To-Maturity Securities State and Mortgage- Total December 31, 2020 Held-To-Maturity Securities, $ 192,352 $ 26,053 $ 218,405 Gross Unrealized Gains 7,080 1,094 8,174 Gross Unrealized Losses (3) — (3) Held-To-Maturity Securities, $ 199,429 $ 27,147 $ 226,576 Held-To-Maturity Securities, 211,176 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
Debt Securities, Trading, and Equity Securities, FV-NI	The following table is the schedule of Equity Securities at December 31, 2021 and 2020. Equity Securities December 31, 2021 2020 Equity Securities, at Fair Value $ 1,747 $ 1,636
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, 2021 and 2020 : December 31, 2021 2020 Net Gain (Loss) on Equity Securities $ 111 $ (427) Less: Net Gain (Loss) recognized during the reporting period on equity securities sold during the period — — Unrealized Net Gain (Loss) recognized during the reporting period on equity securities still held at the reporting date $ 111 $ (427)
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, 2021 2020 Federal Reserve Bank Stock $ 1,161 $ 1,150 Federal Home Loan Bank Stock 4,219 4,199 Total Federal Reserve Bank and Federal Home Loan Bank Stock $ 5,380 $ 5,349

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Past Due Financing Receivables	The following table presents loan balances outstanding as of December 31, 2021 and December 31, 2020 and an analysis of the recorded investment in loans that are past due at these dates. Loans held-for-sale of $1,154 and $11,085 as of December 31, 2021, and December 31, 2020, 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, 2021 Loans Past Due 30-59 Days $ 202 $ — $ 6,713 $ 107 $ 7,022 Loans Past Due 60-89 Days 3 — 2,709 2,557 5,269 Loans Past Due 90 or More Days 157 1,180 1,564 1,981 4,882 Total Loans Past Due 362 1,180 10,986 4,645 17,173 Current Loans 172,156 627,749 909,570 941,293 2,650,768 Total Loans $ 172,518 $ 628,929 $ 920,556 $ 945,938 $ 2,667,941 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 Schedule of Non Accrual Loans by Category Commercial December 31, 2021 Commercial Real Estate Consumer Residential Total Loans 90 or More Days Past Due $ 157 $ — $ — $ 666 $ 823 Nonaccrual Loans 34 7,243 1,697 1,790 10,764 Nonaccrual With No Allowance for Credit Loss 34 4,476 1,697 1,790 7,997 Interest Income on Nonaccrual Loans — — — — — December 31, 2020 Loans 90 or More Days Past Due $ — $ 184 $ — $ 44 $ 228 Nonaccrual Loans 78 1,475 1,470 3,010 6,033
Allowance for Credit Losses on Financing Receivables	The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2021: December 31, 2021 Collateral Type -Residential Real Estate Collateral Type - Commercial Real Estate Total Loans Commercial $ — $ — $ — Commercial Real Estate — 6,732 6,732 Consumer — — — Residential 673 — 673 Total $ 673 $ 6,732 $ 7,405 The following table details activity in the allowance for credit losses on loans for the twelve months ended December 31, 2021. Arrow adopted ASU 2016-13 on January 1, 2021. Results for the periods beginning after January 1, 2021 are presented under ASC 326 and prior periods continue to be reported in accordance with previously applicable US GAAP. Allowance for Credit Losses Commercial Commercial Real Estate Consumer Residential Total Rollfoward of the Allowance for Credit Losses for the Year Ended: December 31, 2020 $ 2,173 $ 9,990 $ 11,562 $ 5,507 $ 29,232 Impact of Adoption ASC 326 $ 2,084 $ 2,064 $ (9,383) $ 3,935 $ (1,300) Balance as of January 1, 2021 as adjusted for ASU 2016-13 $ 4,257 $ 12,054 $ 2,179 $ 9,442 $ 27,932 Charge-offs (98) — (2,132) (9) (2,239) Recoveries 190 — 1,126 — 1,316 Provision (2,051) 1,082 1,229 12 272 December 31, 2021 $ 2,298 $ 13,136 $ 2,402 $ 9,445 $ 27,281 Allowance for Loan Losses Commercial Commercial Real Estate Consumer Residential Total Rollforward 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 Allowance for Credit Losses - Collectively and Individually Evaluated Commercial Commercial Real Estate Consumer Residential Total December 31, 2021 Ending Loan Balance - Collectively Evaluated $ 172,518 $ 622,197 $ 920,556 $ 945,265 $ 2,660,536 Allowance for Credit Losses - Loans Collectively Evaluated 2,298 12,537 2,402 9,445 26,682 Ending Loan Balance - Individually Evaluated — 6,732 — 673 7,405 Allowance for Credit Losses - Loans Individually Evaluated — 599 — — 599 The following table presents information pertaining to the allowance for loan losses as of December 31, 2020, as determined in accordance with ASC 310, prior to the adoption of ASU 2016-13: Allowance for Loan Losses - Collectively and Individually Evaluated for Impairment Commercial Commercial Real Estate Consumer Residential Total December 31, 2020 Ending Loan Balance - Collectively Evaluated for Impairment $ 240,507 $ 570,659 $ 859,657 $ 921,504 $ 2,592,327 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 Allowance for Loan Losses - Loans Individually Evaluated for Impairment 19 — — 22 41
Financing Receivable Supplemental Information	Schedule of Supplemental Loan Information 2021 2020 Supplemental Information : Unamortized deferred loan origination costs, net of deferred loan $ 3,721 $ 1,273 Overdrawn deposit accounts, included in the above balances 182 238 Pledged loans under a blanket collateral agreement to secure borrowings from the Federal Home Loan Bank of New York 778,902 859,592 Residential real estate loans serviced for Freddie Mac, not included 215,209 190,169
Financing Receivable Credit Quality Indicators	The following table presents credit quality indicators by total loans amortized cost basis by origination year as of December 31, 2021. Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total December 31, 2021 2021 2020 2019 2018 2017 Prior Commercial: Risk rating Satisfactory $ 75,615 $ 35,522 $ 11,591 $ 11,661 $ 7,792 $ 3,442 $ 12,783 $ — $ 158,406 Special mention — — 3 — — 5,899 — — 5,902 Substandard 3,541 3,791 589 — 25 12 252 — 8,210 Doubtful — — — — — — — — — Total Commercial Loans $ 79,156 $ 39,313 $ 12,183 $ 11,661 $ 7,817 $ 9,353 $ 13,035 $ — $ 172,518 Commercial Real Estate: Risk rating Satisfactory $ 140,636 $ 276,461 $ 42,369 $ 37,997 $ 22,155 $ 59,698 $ 1,923 $ — $ 581,239 Special mention — 7,893 1,204 — 137 1,906 — — 11,140 Substandard 7,248 16,405 3,910 96 — 8,867 24 — 36,550 Doubtful — — — — — — — — — Total Commercial Real Estate Loans $ 147,884 $ 300,759 $ 47,483 $ 38,093 $ 22,292 $ 70,471 $ 1,947 $ — $ 628,929 Consumer: Risk rating Performing $ 402,558 $ 239,492 $ 154,517 $ 82,673 $ 29,587 $ 9,578 $ 455 $ — $ 918,860 Nonperforming 388 399 502 151 160 96 — — 1,696 Total Consumer Loans $ 402,946 $ 239,891 $ 155,019 $ 82,824 $ 29,747 $ 9,674 $ 455 $ — $ 920,556 Residential: Risk rating Performing $ 187,708 $ 146,113 $ 93,547 $ 88,505 $ 93,524 $ 215,679 $ 118,595 $ — $ 943,671 Nonperforming — 133 — 27 162 1,907 38 — 2,267 Total Residential Loans $ 187,708 $ 146,246 $ 93,547 $ 88,532 $ 93,686 $ 217,586 $ 118,633 $ — $ 945,938 Total Loans $ 817,694 $ 726,209 $ 308,232 $ 221,110 $ 153,542 $ 307,084 $ 134,070 $ — $ 2,667,941 The following table presents information pertaining to loan credit quality indicators as of December 31, 2020, as determined in accordance with ASC 310, prior to the adoption of ASU 2016-13: 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
Impaired Financing Receivables	The following table presents information on impaired loans as of December 31, 2020 based on whether the impaired loan has a recorded related allowance or has no recorded related allowance, as determined in accordance with ASC 310, prior to the adoption of ASU 2016-13: 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 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 — — — — —
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, 2021 Number of Loans — — 1 — 1 Pre-Modification Outstanding Recorded Investment $ — $ — $ 16 $ — $ 16 Post-Modification Outstanding Recorded Investment — — 16 — 16 Subsequent Default, Number of Contracts — — — — — Subsequent Default, Recorded Investment — — — — — Commitments to lend additional funds to modified loans — — — — — 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 — — — — —

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Property, Plant and Equipment	A summary of premises and equipment at December 31, 2021 and 2020 is presented below: 2021 2020 Land and Bank Premises $ 40,848 $ 39,624 Equipment, Furniture and Fixtures 38,496 33,276 Leasehold Improvements 4,410 4,632 Total Cost 83,754 77,532 Accumulated Depreciation and Amortization (42,351) (39,911) Net Owned Premises and Equipment 41,403 37,621 Leased Assets (see Note 18) 4,814 4,991 Net Premises and Equipment $ 46,217 $ 42,612

Other Intangible Assets (Tables

Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021, 2020 and 2019: Depositor Mortgage Servicing Rights 1 Customer Intangibles 2 Total Gross Carrying Amount, December 31, 2021 $ 2,247 $ 3,286 $ 4,382 $ 9,915 Accumulated Amortization (2,247) (2,276) (3,474) (7,997) Net Carrying Amount, December 31, 2021 $ — $ 1,010 $ 908 $ 1,918 Gross Carrying Amount, December 31, 2020 $ 2,247 $ 2,850 $ 4,382 $ 9,479 Accumulated Amortization (2,247) (2,018) (3,264) (7,529) Net Carrying Amount, December 31, 2020 $ — $ 832 $ 1,118 $ 1,950 Rollforward of Intangible Assets: 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 Intangible Assets Acquired — 436 — 436 Intangible Assets Disposed — — — — Amortization of Intangible Assets — (258) (210) (468) Balance, December 31, 2021 $ — $ 1,010 $ 908 $ 1,918 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, 2021: Mortgage Customer Intangibles Total Estimated Annual Amortization Expense: 2022 $ 233 $ 193 $ 426 2023 213 176 389 2024 204 155 359 2025 193 107 300 2026 143 89 232 2027 and beyond 24 188 212 Total $ 1,010 $ 908 $ 1,918

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020: Balance at December 31, 2021 2020 Notional Amount: Commitments to Extend Credit $ 402,280 $ 399,882 Standby Letters of Credit 3,223 3,703 Fair Value: Commitments to Extend Credit $ — $ — Standby Letters of Credit 24 28

Time Deposits (Tables)

Time Deposits (Tables)	12 Months Ended
	Dec. 31, 2021
Maturities of Time Deposits [Abstract]
Maturities of Time Deposits	The following summarizes the contractual maturities of time deposits during years subsequent to December 31, 2021: Year of Maturity Total Time 2022 $ 160,451 2023 18,406 2024 7,886 2025 4,930 2026 4,453 2027 and beyond 18,419 Total $ 214,545

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
Schedule of Short-term Debt	Schedule of Short-Term Borrowings: 2021 2020 Balances at December 31: Securities Sold Under Agreements to Repurchase — 17,486 Total Short-Term Borrowings $ — $ 17,486 Maximum Borrowing Capacity at December 31: Federal Funds Purchased $ 52,000 $ 52,000 Federal Home Loan Bank of New York 778,902 859,592 Federal Reserve Bank of New York 594,034 610,643
Schedule of Financial Instruments Owned and Pledged as Collateral	Investment securities with a fair value of $19.2 million were pledged as collateral for the securities sold under agreements to repurchase at December 31, 2020. No such investment securities were pledged as collateral at December 31, 2021. See the table below: 2021 2020 Balances at December 31: Mortgage-Backed Securities — 19,189 Total Pledged Collateral for Repo Accounts $ — $ 19,189
Schedule of Maturities of Long-term Debt	Maturity Schedule of FHLBNY Term Advances : Balances Weighted Average Rate Final Maturity 2021 2020 2021 2020 First Year $ 5,000 $ — 1.81 % — % Second Year 20,000 5,000 1.75 % 1.81 % Third Year 20,000 20,000 1.76 % 1.75 % Fourth Year — 20,000 — % 1.76 % Fifth Year — — — % — % Total $ 45,000 $ 45,000 1.77 % 1.77 %
Schedule of Long-term Debt Instruments	Schedule of Guaranteed Preferred Beneficial Interests in Corporation's Junior Subordinated Debentures 2021 2020 ACST II Balance at December 31, $ 10,000 $ 10,000 Period End: Variable Interest Rate 3.28 % 3.37 % Fixed Interest Rate resulting from cash flow hedge agreement 4.00 % 4.00 % ACST III Balance at December 31, $ 10,000 $ 10,000 Period End: Variable Interest Rate 2.13 % 2.22 % Fixed Interest Rate resulting from cash flow hedge agreement 2.86 % 2.86 %

Comprehensive Income (Loss), _2

Comprehensive Income (Loss), Net of Tax (Tables)	12 Months Ended
	Dec. 31, 2021
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of Comprehensive Income (Loss)	The following table presents the components of other comprehensive income for the years ended December 31, 2021, 2020 and 2019: Schedule of Comprehensive Income Before-Tax Tax Net-of-Tax 2021 Net Unrealized Securities Holding Losses Arising During the Period $ (8,616) 2,203 (6,413) Net Unrealized Gains on Cash Flow Swap 1,249 (320) 929 Reclassification of Net Unrealized Gain on Cash Flow Hedge Agreements to Interest Expense (126) 32 -94 Net Retirement Plan Losses 8,733 (2,233) 6,500 Amortization of Net Retirement Plan Actuarial Loss 91 (23) 68 Amortization of Net Retirement Plan Prior Service Cost 232 (59) 173 Other Comprehensive Income $ 1,563 $ (400) $ 1,163 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
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 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, 2020 $ 5,799 $ 485 $ (5,929) $ (1,171) $ (816) Other comprehensive income before reclassifications (6,413) 929 6,500 — 1,016 Amounts reclassified from accumulated other comprehensive income 0 (94) 68 173 147 Net current-period other comprehensive income (6,413) 835 6,568 173 1,163 December 31, 2021 $ (614) $ 1,320 $ 639 $ (998) $ 347 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 loss — — 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) (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: Reclassification of Net Unrealized Gain on Cash Flow Hedge Agreements to Interest Expense 126 Interest expense Amortization of defined benefit pension items Prior-service credit $ (232) (2) Salaries and Employee Benefits Actuarial Loss (91) (2) Salaries and Employee Benefits (197) Total before tax 50 Provision for Income Taxes $ (147) Net of tax Total reclassifications for the period $ (147) Net of tax 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 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 (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, 2021
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 122,728 The following table summarizes information about stock option activity for the year ended December 31, 2021. Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at January 1, 2021 272,024 $ 28.00 Granted 57,165 $ 28.69 Exercised (56,336) $ 26.71 Forfeited (2,095) $ 23.83 Outstanding at December 31, 2021 270,758 $ 28.45 6.45 $ 1,836 Vested at Period-End 138,543 $ 26.81 4.84 $ 1,167 Expected to Vest 132,215 $ 30.16 8.13 $ 670 The following table summarizes information about restricted stock unit activity for the year ended December 31, 2021. The Company started granting restricted stock units in 2018. Restricted Stock Units Weighted Average Grant Date Fair Value Non-vested at January 1, 2021 12,012 $ 30.70 Granted 4,880 $ 28.54 Vested (3,689) $ 29.82 Canceled — $ — Non-vested at December 31, 2021 13,203 $ 30.15 Non-vested at January 1, 2020 7,952 $ 29.39 Granted 4,060 $ 33.25 Vested — $ — Canceled — $ — Non-vested at December 31, 2020 12,012 $ 30.70 Non-vested at January 1, 2019 3,689 $ 29.81 Granted 4,263 $ 29.02 Vested — $ — Canceled — $ — Non-vested at December 31, 2019 7,952 $ 29.39 The following table presents information on the amounts expensed related to Restricted Stock Units awarded pursuant to the Long Term Incentive Plan for the years ended December 31, 2021, 2020 and 2019. 2021 2020 2019 Amount Expensed During the Year $ 132 $ 119 $ 75 Compensation Costs for Non-vested Awards Not Yet Recognized 149 141 126
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 $19.16 to $19.67 $20.13 $21.21 to $21.65 $28.69 $29.02 to $29.14 $32.10 to $33.25 Total Outstanding at December 31, 2021 Number of Stock Options Outstanding 11,977 12,919 28,602 56,135 81,422 79,703 270,758 Weighted-Average Remaining Contractual Life (in years) 0.50 2.08 3.65 9.08 6.64 6.99 6.45 Weighted-Average Exercise Price $ 19.46 $ 20.13 $ 21.46 $ 28.69 $ 29.07 $ 32.83 $ 28.45 Vested at December 31, 2021 Number of Stock Options Outstanding 11,977 12,919 28,602 1,030 43,941 40,074 138,543 Weighted-Average Remaining Contractual Life (in years) 0.50 2.08 3.65 9.08 6.53 5.90 4.84 Weighted-Average Exercise Price $ 19.46 $ 20.13 $ 21.46 $ 28.69 $ 29.09 $ 32.42 $ 26.80
Other Stock Based Compensation Disclosure Table	The following is the Schedule of Other Information on Stock Options Granted. 2021 2020 2019 Stock Options Granted 57,165 53,894 56,822 Weighted Average Grant Date Information: Fair Value of Options Granted $ 4.71 $ 4.70 $ 5.26 Fair Value Assumptions: Dividend Yield 3.41 % 2.90 % 3.26 % Expected Volatility 26.53 % 20.25 % 22.58 % Risk Free Interest Rate 0.49 % 1.53 % 2.63 % Expected Lives (in years) 8.75 6.68 8.68 Amount Expensed During the Year $ 282 $ 301 $ 316 Compensation Costs for Non-vested Awards Not Yet Recognized 427 440 487 Weighted Average Expected Vesting Period, In Years 2.16 2.17 2.07 Proceeds From Stock Options Exercised $ 1,505 $ 748 $ 1,792 Tax Benefits Related to Stock Options Exercised 69 52 227 Intrinsic Value of Stock Options Exercised 439 282 1,073
Schedule of Employee Stock Ownership Plan (ESOP) Disclosures	Schedule of ESOP Compensation Expense 2021 2020 2019 ESOP Compensation Expense $ 1,487 $ 1,619 $ 1,368

Retirement Benefit Plans (Table

Retirement Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 Fair Value of Plan Assets $ 68,925 $ — $ — Benefit Obligation 45,659 6,455 7,994 Funded Status of Plan $ 23,266 $ (6,455) $ (7,994) 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) Change in Benefit Obligation Benefit Obligation, at January 1, 2021 $ 44,877 $ 5,820 $ 9,028 Service Cost 1 1,934 582 109 Interest Cost 2 1,365 191 249 Plan Participants' Contributions — — 432 Amendments — — — Actuarial (Gain) Loss (347) 332 (1,240) Benefits Paid (2,170) (470) (584) Benefit Obligation, at December 31, 2021 $ 45,659 $ 6,455 $ 7,994 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 Change in Fair Value of Plan Assets Fair Value of Plan Assets, at January 1, 2021 $ 59,837 $ — $ — Actual Return on Plan Assets 11,258 — — Employer Contributions — 470 152 Plan Participants' Contributions — — 432 Benefits Paid (2,170) (470) (584) Fair Value of Plan Assets, at December 31, 2021 $ 68,925 $ — $ — 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 $ — $ — Accumulated Benefit Obligation at December 31, 2021 $ 45,482 $ 6,384 $ 7,994 Employees' Select Postretirement Amounts Recognized in the Consolidated Balance Sheets December 31, 2021 Prepaid Pension Asset $ 23,266 $ — — Accrued Benefit Liability — (6,455) (7,994) Net Benefit (Expense) Recognized $ 23,266 $ (6,455) $ (7,994) December 31, 2020 Prepaid Pension Asset $ 14,960 $ — — Accrued Benefit Liability — (5,820) (9,028) Net Benefit Recognized $ 14,960 $ (5,820) $ (9,028) Amounts Recognized in Other Comprehensive Income (Loss) For the Year Ended December 31, 2021 Net Unamortized (Gain) Loss Arising During the Period $ (7,826) $ 332 $ (1,239) Amortization of Net (Loss) Gain — (178) 87 Amortization of Prior Service Cost (78) (48) (106) Total Other Comprehensive (Loss) Income for Pension and $ (7,904) $ 106 $ (1,258) 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 Cost (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 Accumulated Other Comprehensive Income December 31, 2021 Net Actuarial (Gain) Loss $ (2,341) $ 2,651 $ (1,182) Prior Service Cost 453 411 472 Total Accumulated Other Comprehensive (Loss) Income, Before Tax $ (1,888) $ 3,062 $ (710) December 31, 2020 Net Actuarial Loss (Gain) $ 5,482 $ 2,497 $ (30) Prior Service Cost 533 459 578 Total Accumulated Other Comprehensive Income, Before Tax $ 6,015 $ 2,956 $ 548 Amounts that will be Amortized from Accumulated Net Actuarial Loss (Gain) $ — $ 157 $ (128) Prior Service Cost $ 77 $ 44 $ 106 Employees' Select Postretirement Net Periodic Benefit Cost For the Year Ended December 31, 2021 Service Cost 1 $ 1,934 $ 582 $ 109 Interest Cost 2 1,365 191 249 Expected Return on Plan Assets 2 (3,780) — — Amortization of Prior Service Cost 2 78 48 106 Amortization of Net Loss (Gain) 2 — 179 (88) Net Periodic Benefit Cost $ (403) $ 1,000 $ 376 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 (Gain) 2 613 113 (42) Net Periodic Benefit Cost $ 914 $ 708 $ 544 Weighted-Average Assumptions Used in December 31, 2021 Discount Rate 3.30 % 3.29 % 3.32 % 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 1.02%, 2.72% and 3.08% 1.02%, 2.72% and 3.08% Interest Rates to Convert Annuities to Actuarially 1.02%,2.72% and 3.08% 1.02%, 2.72% and 3.08% 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 % Employees' Select Postretirement Weighted-Average Assumptions Used in December 31, 2021 Discount Rate 3.14 % 3.19 % 3.17 % 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 1.02%, 2.72% and 3.08% 1.02%, 2.72% and 3.08% Interest Rates to Convert Annuities to Actuarially 1.02%, 2.72% and 3.08% 1.02%, 2.72% and 3.08% 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 % 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 % 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, 2021 Cash $ — $ — $ — $ — — % — % 15.0 % Interest-Bearing Money Market Fund 2,439 — — 2,439 3.5 % — % 15.0 % Arrow Common Stock 1 6,469 — — 6,469 9.4 % — % 10.0 % North Country Funds - Equity 2 29,490 — — 29,490 42.8 % Other Mutual Funds - Equity 16,761 — — 16,761 24.3 % Total Equity Funds 46,251 — — 46,251 67.1 % 55.0 % 85.0 % North Country Funds - Fixed income 2 6,317 — — 6,317 9.2 % Other Mutual Funds - Fixed Income 2,675 — — 2,675 3.9 % Total Fixed Income Funds 8,992 — — 8,992 13.1 % 10.0 % 30.0 % Alternative ETF 4,774 — — 4,774 6.9 % — % 20.0 % Total $ 68,925 $ — $ — $ 68,925 100.0 % 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 % Footnotes: 1 Payment for the acquisition of 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 2022 $ 2,666 $ 445 $ 610 2023 3,329 424 600 2024 3,106 630 607 2025 3,474 609 620 2026 2,699 582 631 2027 - 2031 15,040 2,605 2,917 Estimated Contributions During 2022 $ — $ 445 $ 610 Assumed Health Care Cost Trend Rates December 31, 2021 Health Care Cost Trend 7.00 % Rate to which the Cost Trend 3.78 % Year that the Rate Reaches 2075 December 31, 2020 Health Care Cost Trend 7.00 % 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, 2021
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: 2021 2020 2019 Legal and Other Professional Fees 2,706 2,516 2,469 Postage and Courier 1,044 957 1,051 Advertising and Promotion 1,083 1,140 1,236 Stationery and Printing 721 713 834 Intangible Asset Amortization 210 227 245 Litigation Reserve Expense 1,475 — — All Other 4,285 3,411 4,595 Total Other Operating Expense $ 11,524 $ 8,964 $ 10,430

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense (Benefit)	The provision for income taxes is summarized below: Current Tax Expense: 2021 2020 2019 Federal $ 10,957 $ 10,791 $ 7,706 State 2,645 2,485 1,550 Total Current Tax Expense 13,602 13,276 9,256 Deferred Tax Expense (Benefit): Federal 712 (1,569) 427 State 233 (671) (83) Total Deferred Tax Expense (Benefit) 945 (2,240) 344 Total Provision for Income Taxes $ 14,547 $ 11,036 $ 9,600
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: 2021 2020 2019 Statutory Federal Tax Rate 21.0 % 21.0 % 21.0 % (Decrease) Increase Resulting From: Tax-Exempt Income (1.5) (2.1) (2.7) Nondeductible Interest Expense — 0.1 0.2 State Taxes, Net of Federal Income Tax Benefit 3.4 2.6 2.3 Tax benefit from stock based compensation — (0.1) (0.3) Other Items, Net (0.3) (0.2) (0.1) Effective Tax Rate 22.6 % 21.3 % 20.4 %
Schedule of Deferred Tax Assets and Liabilities	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2021 and 2020 are presented below: 2021 2020 Deferred Tax Assets: Allowance for Credit Losses $ 7,440 $ 7,472 Lease liabilities 3,142 2,717 Pension and Deferred Compensation Plans 3,309 3,149 Pension Liability Included in Accumulated Other Comprehensive Income 124 2,439 Historic Tax Credit 1,023 1,394 Net Unrealized Losses on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income 211 — Other 841 385 Total Gross Deferred Tax Assets 16,090 17,556 Valuation Allowance for Deferred Tax Assets — — Total Gross Deferred Tax Assets, Net of Valuation Allowance $ 16,090 $ 17,556 Deferred Tax Liabilities: Pension Plans $ 5,470 $ 5,368 Depreciation 3,070 3,018 ROU assets 3,005 2,638 Deferred Income 3,778 2,327 Net Unrealized Gains on Equity Securities 160 132 Net Unrealized Gains on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income — 1,991 Goodwill 3,428 3,474 Gain on Cash Flow Hedge Agreements 453 166 Other 85 — Total Gross Deferred Tax Liabilities $ 19,449 19,114 Deferred Tax Liability, Net $ 3,359 $ 1,558

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021. All share and per share amounts have been adjusted for the September 24, 2021 3% stock dividend. Earnings Per Share Year-to-Date Period Ended: 12/31/2021 12/31/2020 12/31/2019 Earnings Per Share - Basic: Net Income $ 49,857 $ 40,827 $ 37,475 Weighted Average Shares - Basic 16,018 15,929 15,849 Earnings Per Share - Basic $ 3.11 $ 2.56 $ 2.36 Earnings Per Share - Diluted: Net Income $ 49,857 $ 40,827 $ 37,475 Weighted Average Shares - Basic 16,018 15,929 15,849 Dilutive Average Shares Attributable to Stock Options 55 15 47 Weighted Average Shares - Diluted 16,073 15,944 15,896 Earnings Per Share - Diluted $ 3.10 $ 2.56 $ 2.36

Fair Values (Tables)

Fair Values (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 Assets: Securities Available-for Sale: U.S. Government & Agency Obligations $ 108,365 $ — $ 108,365 $ — State and Municipal Obligations 400 — 400 — Mortgage-Backed Securities 449,751 — 449,751 — Corporate and Other Debt Securities 800 — 800 — Total Securities Available-for-Sale 559,316 — 559,316 $ — Equity Securities 1,747 — 1,747 — Total Securities Measured on a Recurring Basis 561,063 — 561,063 — Derivatives, included in other assets 2,083 — 2,083 — Total Measured on a Recurring Basis $ 563,146 $ — $ 563,146 $ — Liabilities: Derivatives, included in other liabilities $ 2,083 $ — $ 2,083 $ — Total Measured on a Recurring Basis $ 2,083 $ — $ 2,083 $ — 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 $ — 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, 2021 Collateral Dependent Impaired Loans $ 2,457 $ — $ — $ 2,457 $ — Other Real Estate Owned and Repossessed Assets, Net 126 — — 126 — December 31, 2020 Collateral Dependent Impaired Loans $ 594 $ — $ — $ 594 $ — Other Real Estate Owned and Repossessed Assets, Net 155 — — 155 —
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, 2021 Cash and Cash Equivalents $ 457,696 $ 457,696 $ 457,696 $ — $ — Securities Available-for-Sale 559,316 559,316 — 559,316 — Securities Held-to-Maturity 196,566 201,292 — 201,292 — Equity Securities 1,747 1,747 1,747 Federal Home Loan Bank and Federal Reserve Bank Stock 5,380 5,380 — 5,380 — Net Loans 2,640,660 2,618,311 — — 2,618,311 Accrued Interest Receivable 7,384 7,384 — 7,384 — Derivatives, included in other assets 2,083 2,083 — 2,083 — Deposits 3,550,497 3,548,554 — 3,548,554 — Federal Home Loan Bank Term Advances 45,000 45,518 — 45,518 — Junior Subordinated Obligations Issued 20,000 20,000 — 20,000 — Accrued Interest Payable 138 138 — 138 — Derivatives, included in other liabilities 2,083 2,083 — 2,083 — 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 —

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 and December 31, 2020: Twelve Months Ended Finance Lease Amounts: Classification December 31, 2021 December 31, 2020 Right-of-Use Assets Premises and Equipment, Net $ 4,814 $ 4,991 Lease Liabilities Finance Leases 5,169 5,217 Operating Lease Amounts: Right-of-Use Assets Other Assets $ 6,941 $ 5,326 Lease Liabilities Other Liabilities 7,124 5,410 Other Information: Cash Paid For Amounts Included In The Measurement Of Lease Liabilities: Operating Outgoing Cash Flows From Finance Leases $ 195 $ 196 Operating Outgoing Cash Flows From Operating Leases 794 778 Financing Outgoing Cash Flows From Finance Leases 48 37 Right-of-Use Assets Obtained In Exchange For New Finance Lease Liabilities — — Right-of-Use Assets Obtained In Exchange For New Operating Lease Liabilities 2,508 294 Weighted-average Remaining Lease Term - Finance Leases (Yrs.) 28.20 29.17 Weighted-average Remaining Lease Term - Operating Leases (Yrs.) 11.17 13.05 Weighted-average Discount Rate—Finance Leases 3.75 % 3.75 % Weighted-average Discount Rate—Operating Leases 2.77 % 3.28 % Lease cost information for the Company's leases is as follows: Three Months Ended Twelve Months Ended December 31, 2021 December 31, 2020 December 31, 2021 December 31, 2020 Lease Cost: Finance Lease Cost: Reduction in the Carrying Amount of Right-of-use assets $ 44 $ 44 $ 177 $ 177 Interest on Lease Liabilities 49 48 195 196 Operating Lease Cost 270 214 1,007 838 Short-term Lease Cost 19 8 47 40 Variable Lease Cost 67 39 270 204 Total Lease Cost $ 449 $ 353 $ 1,696 $ 1,455
Finance Lease, Liability, Maturity	Future Lease Payments at December 31, 2021 are as follows: Operating Leases Finance Leases Twelve Months Ended: 12/31/2022 $ 1,216 $ 243 12/31/2023 997 243 12/31/2024 756 249 12/31/2025 694 263 12/31/2026 631 268 Thereafter 4,208 7,532 Total Undiscounted Cash Flows 8,502 8,798 Less: Net Present Value Adjustment 1,378 3,629 Lease Liability $ 7,124 $ 5,169
Lessee, Operating Lease, Liability, Maturity	Future Lease Payments at December 31, 2021 are as follows: Operating Leases Finance Leases Twelve Months Ended: 12/31/2022 $ 1,216 $ 243 12/31/2023 997 243 12/31/2024 756 249 12/31/2025 694 263 12/31/2026 631 268 Thereafter 4,208 7,532 Total Undiscounted Cash Flows 8,502 8,798 Less: Net Present Value Adjustment 1,378 3,629 Lease Liability $ 7,124 $ 5,169

Derivative Instruments and He_2

Derivative Instruments and Hedging Activities (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 December 31, 2020 Fair value adjustment included in other assets $ 2,083 $ 5,080 Fair value adjustment included in other liabilities 2,083 5,080 Notional amount 172,668 176,637
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, 2021 December 31, 2020 Amount of gain recognized in AOCI $ 1,249 $ 651 Amount of gain reclassified from AOCI interest expense 126 —

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020: 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, 2021 Total Capital Arrow $ 400,661 15.7 % $ 267,958 10.5 % $ 255,198 10.0 % Glens Falls National 295,047 15.1 % 205,165 10.5 % 195,395 10.0 % Saratoga National 90,924 15.2 % 62,809 10.5 % 59,818 10.0 % Tier I Capital Arrow 371,556 14.6 % 216,317 8.5 % 203,592 8.0 % Glens Falls National 274,208 14.1 % 165,303 8.5 % 155,579 8.0 % Saratoga National 83,432 13.9 % 51,020 8.5 % 48,018 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 371,556 9.2 % 161,546 4.0 % 201,933 5.0 % Glens Falls National 274,208 8.6 % 127,539 4.0 % 159,423 5.0 % Saratoga National 83,432 9.8 % 34,054 4.0 % 42,567 5.0 % Common Equity Tier 1 Capital Arrow 351,497 13.8 % 178,296 7.0 % 165,560 6.5 % Glens Falls National 274,149 14.1 % 136,102 7.0 % 126,381 6.5 % Saratoga National 83,432 13.9 % 42,016 7.0 % 39,015 6.5 % 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 % 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 %

Parent Only Financial Informa_2

Parent Only Financial Information (Tables)	12 Months Ended
	Dec. 31, 2021
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 2021 2020 Interest-Bearing Deposits with Subsidiary Banks $ 232 $ — Equity Securities 1,747 1,636 Investment in Subsidiaries at Equity 377,163 341,958 Other Assets 13,061 13,294 Total Assets $ 392,203 $ 356,888 LIABILITIES Junior Subordinated Obligations Issued to $ 20,000 $ 20,000 Other Liabilities 1,017 2,496 Total Liabilities 21,017 22,496 STOCKHOLDERS’ EQUITY Total Stockholders’ Equity 371,186 334,392 Total Liabilities and Stockholders’ Equity $ 392,203 $ 356,888 STATEMENTS OF INCOME Years Ended December 31, Income: 2021 2020 2019 Dividends from Bank Subsidiaries $ 15,994 $ 17,199 $ 14,100 Interest and Dividends on Investments 49 49 49 Other Income (Including Management Fees) 664 246 1,006 Total Income 16,707 17,494 15,155 Expense: Interest Expense 686 746 1,024 Other Expense 879 878 875 Total Expense 1,565 1,624 1,899 Income Before Income Tax Benefit and Equity in Undistributed Net Income of Subsidiaries 15,142 15,870 13,256 Income Tax Benefit 312 431 466 Equity in Undistributed Net Income of Subsidiaries 34,403 24,526 23,753 Net Income $ 49,857 $ 40,827 $ 37,475 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, 2021 2020 2019 Cash Flows from Operating Activities: Net Income $ 49,857 $ 40,827 $ 37,475 Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities: Undistributed Net Income of Subsidiaries (34,403) (24,526) (23,753) Shares Issued Under the Directors’ Stock Plan 376 125 258 Changes in Other Assets and Other Liabilities (462) (3,606) (1,236) Net Cash Provided by Operating Activities 15,368 12,820 12,744 Cash Flows from Financing Activities: Stock Options Exercised 1,505 748 1,792 Shares Issued Under the Employee Stock Purchase Plan 481 513 493 Shares Issued for Dividend Reinvestment Plans 1,836 1,808 1,777 Purchase of Treasury Stock (2,662) (1,578) (2,469) Cash Dividends Paid (16,296) (15,740) (15,206) Net Cash Used in Financing Activities (15,136) (14,249) (13,613) Net Increase (Decrease) in Cash and Cash Equivalents 232 (1,429) (869) Cash and Cash Equivalents at Beginning of the Year — 1,429 2,298 Cash and Cash Equivalents at End of the Year $ 232 $ — $ 1,429 Supplemental Disclosures to Statements of Interest Paid $ 686 $ 746 $ 1,024

Risks and Uncertainties - Narra

Risks and Uncertainties - Narrative (Details)	12 Months Ended
	Dec. 31, 2021subsidiaryBusinessTrustbank
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, 2021USD ($)planshares	Jan. 01, 2021USD ($)	Dec. 31, 2020USD ($)shares	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Number of compensation plans | plan	3
Award vesting period (in years)	4 years
ESPP, market price discount percentage	5.00%
Outstanding balance on ESOP loan	$ 0		$ 0
Unallocated shares (in shares) | shares	0		0
Cumulative effect of adoption	$ 371,186,000		$ 334,392,000	$ 301,728,000	$ 269,584,000
Financing receivable, allowance for credit loss, excluding accrued interest	27,281,000		29,232,000	21,187,000	20,196,000
Off-balance sheet, credit loss, liability	1,800,000
Deferred tax liabilities, net	3,359,000		1,558,000
Retained Earnings
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Cumulative effect of adoption	$ 54,078,000		41,899,000	$ 33,218,000	$ 29,257,000
Accounting Standards Update 2016-13
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Financing receivable, allowance for credit loss, excluding accrued interest		$ (1,300,000)
Off-balance sheet, credit loss, liability		1,100,000
Deferred tax liabilities, net		41,000
Cumulative Effect, Period of Adoption, Adjustment
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Cumulative effect of adoption			120,000
Financing receivable, allowance for credit loss, excluding accrued interest			(1,300,000)
Cumulative Effect, Period of Adoption, Adjustment | Retained Earnings
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Cumulative effect of adoption			$ 120,000
Cumulative Effect, Period of Adoption, Adjustment | Accounting Standards Update 2016-13 | Retained Earnings
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Cumulative effect of adoption		$ 120,000
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, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Cash and Cash Equivalents [Abstract]
Cash and Due From Banks	$ 26,978	$ 42,116
Interest-Bearing Deposits at Banks	430,718	338,875
Total Cash and Cash Equivalents	457,696	380,991	$ 70,221	$ 84,239
Restricted cash pledged as collateral related to swap agreements and included in Cash and Due From Banks	$ 0	$ 500

Investment Securities Schedule

Investment Securities Schedule of Available for Sale Securities (Details)	Dec. 31, 2021USD ($)security	Dec. 31, 2020USD ($)security
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	$ 560,142,000	$ 357,497,000
Gross Unrealized Gains	3,680,000	8,118,000
Gross Unrealized Losses	(4,506,000)	(328,000)
Available-For-Sale Securities, at Fair Value	559,316,000	365,287,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	5,104,000
From 1 - 5 Years	475,174,000
From 5 - 10 Years	79,864,000
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	5,172,000
From 1 - 5 Years	474,910,000
From 5 - 10 Years	79,234,000
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	337,380,000	29,926,000
12 Months or Longer	30,014,000	5,682,000
Total	$ 367,394,000	$ 35,608,000
Number of Securities in a Continuous Loss Position | security	54	6
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 3,520,000	$ 74,000
12 Months or Longer	986,000	254,000
Total	4,506,000	328,000
Debt securities, available-for-sale, allowance for credit loss	0
U.S. Government & Agency Obligations
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	110,000,000	65,002,000
Gross Unrealized Gains	63,000	184,000
Gross Unrealized Losses	(1,698,000)	(74,000)
Available-For-Sale Securities, at Fair Value	65,112,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	5,000,000
From 1 - 5 Years	105,000,000
From 5 - 10 Years	0
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	5,064,000
From 1 - 5 Years	103,301,000
From 5 - 10 Years	0
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	74,088,000	29,926,000
12 Months or Longer	29,214,000	0
Total	$ 103,302,000	$ 29,926,000
Number of Securities in a Continuous Loss Position | security	14	4
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 912,000	$ 74,000
12 Months or Longer	786,000	0
Total	1,698,000	74,000
U.S. Government & Agency Obligations | Agency Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	110,000,000	65,002,000
Available-For-Sale Securities, at Fair Value	108,365,000	65,112,000
State and Municipal Obligations
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	400,000	528,000
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Available-For-Sale Securities, at Fair Value	528,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	0
From 1 - 5 Years	40,000
From 5 - 10 Years	360,000
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	0
From 1 - 5 Years	40,000
From 5 - 10 Years	360,000
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
Mortgage- Backed Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	448,742,000	290,967,000
Gross Unrealized Gains	3,617,000	7,934,000
Gross Unrealized Losses	(2,608,000)	(54,000)
Available-For-Sale Securities, at Fair Value	298,847,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	104,000
From 1 - 5 Years	370,134,000
From 5 - 10 Years	78,504,000
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	108,000
From 1 - 5 Years	371,569,000
From 5 - 10 Years	78,074,000
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	263,292,000	0
12 Months or Longer	0	4,882,000
Total	$ 263,292,000	$ 4,882,000
Number of Securities in a Continuous Loss Position | security	39	1
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 2,608,000	$ 0
12 Months or Longer	0	54,000
Total	2,608,000	54,000
Mortgage- Backed Securities | US Government Agencies Debt Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	9,386,000	12,696,000
Available-For-Sale Securities, at Fair Value	9,371,000	12,683,000
Mortgage- Backed Securities | US Government-sponsored Enterprises Debt Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	439,356,000	278,271,000
Available-For-Sale Securities, at Fair Value	440,380,000	286,164,000
Corporate Debt Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	1,000,000	1,000,000
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(200,000)	(200,000)
Available-For-Sale Securities, at Fair Value	800,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	0
From 1 - 5 Years	0
From 5 - 10 Years	1,000,000
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	0
From 1 - 5 Years	0
From 5 - 10 Years	800,000
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	0
12 Months or Longer	800,000	800,000
Total	$ 800,000	$ 800,000
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	200,000	200,000
Total	200,000	200,000
Collateral Pledged
Available-for-Sale Securities
Available-For-Sale Securities, Pledged as Collateral, at Fair Value	$ 298,106,000	$ 244,411,000

Investment Securities Schedul_2

Investment Securities Schedule of Held to Maturity Securities (Details)	12 Months Ended
	Dec. 31, 2021USD ($)security	Dec. 31, 2020USD ($)security
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	$ 196,566,000	$ 218,405,000
Gross Unrealized Gains	4,726,000	8,174,000
Gross Unrealized Losses	0	(3,000)
Held-To-Maturity Securities, at Fair Value	201,292,000	226,576,000
Held-To-Maturity Securities, Pledged as Collateral, at Fair Value	175,218,000	211,176,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	30,062,000
From 1 - 5 Years	154,119,000
From 5 - 10 Years	12,239,000
Over 10 Years	146,000
Maturities of Debt Securities, at Fair Value:
Within One Year	30,234,000
From 1 - 5 Years	158,203,000
From 5 - 10 Years	12,704,000
Over 10 Years	151,000
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	1,513,000
12 Months or Longer	0	0
Total	$ 0	$ 1,513,000
Number of Securities in a Continuous Loss Position | security	0	4
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 3,000
12 Months or Longer	0	0
Total	0	3,000
Debt securities, available-for-sale, allowance for credit loss	0
Debt securities, available-for-sale, allowance for credit loss, not to sell before recovery, credit loss, previously recorded, expense (reversal)	0
Debt securities, held-to-maturity, allowance for credit loss	0
State and Municipal Obligations
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	180,195,000	192,352,000
Gross Unrealized Gains	4,179,000	7,080,000
Gross Unrealized Losses	0	(3,000)
Held-To-Maturity Securities, at Fair Value	184,374,000	199,429,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	29,600,000
From 1 - 5 Years	138,210,000
From 5 - 10 Years	12,239,000
Over 10 Years	146,000
Maturities of Debt Securities, at Fair Value:
Within One Year	29,766,000
From 1 - 5 Years	141,753,000
From 5 - 10 Years	12,704,000
Over 10 Years	151,000
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	1,513,000
12 Months or Longer	0	0
Total	$ 0	$ 1,513,000
Number of Securities in a Continuous Loss Position | security	0	4
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 3,000
12 Months or Longer	0	0
Total	0	3,000
Mortgage- Backed Securities
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	16,371,000	26,053,000
Gross Unrealized Gains	547,000	1,094,000
Gross Unrealized Losses	0	0
Held-To-Maturity Securities, at Fair Value	16,918,000	27,147,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	462,000
From 1 - 5 Years	15,909,000
From 5 - 10 Years	0
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	468,000
From 1 - 5 Years	16,450,000
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 | Mortgage- Backed Securities
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	5,518,000	9,440,000
Agency Securities | Mortgage- Backed Securities | Fair Value, Measurements, Recurring
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Fair Value	5,647,000	9,762,000
US Government-sponsored Enterprises Debt Securities | Mortgage- Backed Securities
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	10,853,000	16,613,000
US Government-sponsored Enterprises Debt Securities | Mortgage- Backed Securities | Fair Value, Measurements, Recurring
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Fair Value	$ 11,271,000	$ 17,385,000

Investment Securities Equity Se

Investment Securities Equity Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Equity Securities, at Fair Value	$ 1,747	$ 1,636
Net Gain (Loss) on Equity Securities	111	(427)	$ 289
Less: Net Gain (Loss) recognized during the reporting period on equity securities sold during the period	0	0
Unrealized Net Gain (Loss) recognized during the reporting period on equity securities still held at the reporting date	$ 111	$ (427)

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, 2021	Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Federal Reserve Bank Stock	$ 1,161	$ 1,150
Federal Home Loan Bank Stock	4,219	4,199
Total Federal Reserve Bank and Federal Home Loan Bank Stock	$ 5,380	$ 5,349

Loans - Categories and Past Due

Loans - Categories and Past Due Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Past Due [Line Items]
Loans receivable, held-for-sale	$ 1,154	$ 11,085
Loans	2,667,941	2,595,030
Loans 90 or More Days Past Due and Still Accruing Interest	823	228
Nonaccrual Loans	10,764	6,033
Nonaccrual With No Allowance for Credit Loss	7,997
Interest Income on Nonaccrual Loans	0
Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	17,173	13,783
Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Loans	7,022	5,339
Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Loans	5,269	4,105
Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Loans	4,882	4,339
Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,650,768	2,581,247
Commercial
Financing Receivable, Past Due [Line Items]
Loans	172,518	240,554
Loans 90 or More Days Past Due and Still Accruing Interest	157	0
Nonaccrual Loans	34	78
Nonaccrual With No Allowance for Credit Loss	34
Interest Income on Nonaccrual Loans	0
Commercial | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	362	293
Commercial | Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Loans	202	102
Commercial | Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Loans	3	113
Commercial | Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Loans	157	78
Commercial | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Loans	172,156	240,261
Commercial Real Estate
Financing Receivable, Past Due [Line Items]
Loans	628,929	571,787
Loans 90 or More Days Past Due and Still Accruing Interest	0	184
Nonaccrual Loans	7,243	1,475
Nonaccrual With No Allowance for Credit Loss	4,476
Interest Income on Nonaccrual Loans	0
Commercial Real Estate | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,180	1,658
Commercial Real Estate | Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Loans	0	0
Commercial Real Estate | Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Loans	0	0
Commercial Real Estate | Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Loans	1,180	1,658
Commercial Real Estate | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Loans	627,749	570,129
Consumer
Financing Receivable, Past Due [Line Items]
Loans	920,556	859,768
Loans 90 or More Days Past Due and Still Accruing Interest	0	0
Nonaccrual Loans	1,697	1,470
Nonaccrual With No Allowance for Credit Loss	1,697
Interest Income on Nonaccrual Loans	0
Consumer | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	10,986	9,068
Consumer | Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Loans	6,713	4,976
Consumer | Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Loans	2,709	2,713
Consumer | Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Loans	1,564	1,379
Consumer | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Loans	909,570	850,700
Residential
Financing Receivable, Past Due [Line Items]
Loans	945,938	922,921
Loans 90 or More Days Past Due and Still Accruing Interest	666	44
Nonaccrual Loans	1,790	3,010
Nonaccrual With No Allowance for Credit Loss	1,790
Interest Income on Nonaccrual Loans	0
Residential | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	4,645	2,764
Residential | Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Loans	107	261
Residential | Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Loans	2,557	1,279
Residential | Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Loans	1,981	1,224
Residential | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Loans	$ 941,293	$ 920,157

Loans - Narrative (Details)

Loans - Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)loanloan_portfolio	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, number of loan portfolios | loan_portfolio	4
Provision	$ 272	$ 9,319	$ 2,079
Off-balance sheet, credit loss, liability	$ 1,800
Financing receivable, number of loans individually evaluated for impairment | loan	5
Financing receivable, individually evaluated for impairment	$ 7,405	2,703
Financing receivable, allowance for credit losses, number of loans individually evaluated for impairment | loan	1
Financing receivable, allowance for credit losses, individually evaluated for impairment	$ 599	41
Cumulative Effect, Period of Adoption, Adjusted Balance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Off-balance sheet, credit loss, liability		1,100
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision	1,229	3,340	$ 1,580
Financing receivable, individually evaluated for impairment	0	111
Financing receivable, allowance for credit losses, individually evaluated for impairment	0	$ 0
Mortgage loans in process of foreclosure, amount	$ 2,100
Minimum | Consumer | Automobile Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Principal repayment terms, period	3 years
Minimum | Consumer | Credit Card Receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Principal repayment terms, period	1 year
Maximum | Consumer | Automobile Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Principal repayment terms, period	7 years
Maximum | Consumer | Credit Card Receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Principal repayment terms, period	5 years

Loans - Amortized Cost Basis of

Loans - Amortized Cost Basis of Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	$ 2,640,660	$ 2,565,798
Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	7,405
Real Estate | Commercial
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0
Real Estate | Commercial Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	6,732
Real Estate | Consumer
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0
Real Estate | Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	673
Residential Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	673
Residential Real Estate | Commercial
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0
Residential Real Estate | Commercial Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0
Residential Real Estate | Consumer
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0
Residential Real Estate | Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	673
Commercial Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	6,732
Commercial Real Estate | Commercial
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0
Commercial Real Estate | Commercial Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	6,732
Commercial Real Estate | Consumer
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0
Commercial Real Estate | Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	$ 0

Loans - Supplemental Informatio

Loans - Supplemental Information (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unamortized deferred loan origination costs, net of deferred loan   origination fees, included in the above balances	$ 3,721	$ 1,273
Overdrawn deposit accounts, included in the above balances	182	238
Residential real estate loans serviced for Freddie Mac, not included    in the balances above	215,209	190,169
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	$ 778,902	$ 859,592

Loans - Allowance for Loan Loss

Loans - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	$ 29,232	$ 21,187	$ 20,196
Charge-offs	(2,239)	(1,989)	(1,735)
Recoveries	1,316	715	647
Provision	272	9,319	2,079
Allowance for Loan Losses, Ending balance	27,281	29,232	21,187
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Ending Loan Balance - Collectively Evaluated	2,660,536	2,592,327
Allowance for Credit Losses - Loans Collectively Evaluated	26,682	29,191
Ending Loan Balance - Individually Evaluated	7,405	2,703
Allowance for Credit Losses - Loans Individually Evaluated	599	41
Cumulative Effect, Period of Adoption, Adjustment
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	(1,300)
Allowance for Loan Losses, Ending balance		(1,300)
Cumulative Effect, Period of Adoption, Adjusted Balance
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	27,932
Allowance for Loan Losses, Ending balance		27,932
Commercial
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	2,173	1,386	1,218
Charge-offs	(98)	(37)	(12)
Recoveries	190	3	98
Provision	(2,051)	821	82
Allowance for Loan Losses, Ending balance	2,298	2,173	1,386
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Ending Loan Balance - Collectively Evaluated	172,518	240,507
Allowance for Credit Losses - Loans Collectively Evaluated	2,298	2,154
Ending Loan Balance - Individually Evaluated	0	47
Allowance for Credit Losses - Loans Individually Evaluated	0	19
Commercial | Cumulative Effect, Period of Adoption, Adjustment
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	2,084
Allowance for Loan Losses, Ending balance		2,084
Commercial | Cumulative Effect, Period of Adoption, Adjusted Balance
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	4,257
Allowance for Loan Losses, Ending balance		4,257
Commercial Real Estate
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	9,990	5,830	5,644
Charge-offs	0	(5)	(29)
Recoveries	0	0	0
Provision	1,082	4,165	215
Allowance for Loan Losses, Ending balance	13,136	9,990	5,830
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Ending Loan Balance - Collectively Evaluated	622,197	570,659
Allowance for Credit Losses - Loans Collectively Evaluated	12,537	9,990
Ending Loan Balance - Individually Evaluated	6,732	1,128
Allowance for Credit Losses - Loans Individually Evaluated	599	0
Commercial Real Estate | Cumulative Effect, Period of Adoption, Adjustment
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	2,064
Allowance for Loan Losses, Ending balance		2,064
Commercial Real Estate | Cumulative Effect, Period of Adoption, Adjusted Balance
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	12,054
Allowance for Loan Losses, Ending balance		12,054
Consumer
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	11,562	9,408	8,882
Charge-offs	(2,132)	(1,898)	(1,603)
Recoveries	1,126	712	549
Provision	1,229	3,340	1,580
Allowance for Loan Losses, Ending balance	2,402	11,562	9,408
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Ending Loan Balance - Collectively Evaluated	920,556	859,657
Allowance for Credit Losses - Loans Collectively Evaluated	2,402	11,562
Ending Loan Balance - Individually Evaluated	0	111
Allowance for Credit Losses - Loans Individually Evaluated	0	0
Consumer | Cumulative Effect, Period of Adoption, Adjustment
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	(9,383)
Allowance for Loan Losses, Ending balance		(9,383)
Consumer | Cumulative Effect, Period of Adoption, Adjusted Balance
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	2,179
Allowance for Loan Losses, Ending balance		2,179
Residential
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	5,507	4,563	4,452
Charge-offs	(9)	(49)	(91)
Recoveries	0	0	0
Provision	12	993	202
Allowance for Loan Losses, Ending balance	9,445	5,507	$ 4,563
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Ending Loan Balance - Collectively Evaluated	945,265	921,504
Allowance for Credit Losses - Loans Collectively Evaluated	9,445	5,485
Ending Loan Balance - Individually Evaluated	673	1,417
Allowance for Credit Losses - Loans Individually Evaluated	0	22
Residential | Cumulative Effect, Period of Adoption, Adjustment
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	3,935
Allowance for Loan Losses, Ending balance		3,935
Residential | Cumulative Effect, Period of Adoption, Adjusted Balance
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	$ 9,442
Allowance for Loan Losses, Ending balance		$ 9,442

Loans - Credit Quality Indicato

Loans - Credit Quality Indicators (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Credit Quality Indicator [Line Items]
2021	$ 817,694
2020	726,209
2019	308,232
2018	221,110
2017	153,542
Prior	307,084
Revolving Loans Amortized Cost Basis	134,070
Revolving Loan Converted to Term	0
Total	2,667,941	$ 2,595,030
Total Loans	2,640,660	2,565,798
Satisfactory
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans		754,960
Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans		17,787
Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans		39,594
Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans		0
Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans		1,778,165
Nonperforming
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans		4,524
Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
2021	79,156
2020	39,313
2019	12,183
2018	11,661
2017	7,817
Prior	9,353
Revolving Loans Amortized Cost Basis	13,035
Revolving Loan Converted to Term	0
Total	172,518
Commercial | Satisfactory
Financing Receivable, Credit Quality Indicator [Line Items]
2021	75,615
2020	35,522
2019	11,591
2018	11,661
2017	7,792
Prior	3,442
Revolving Loans Amortized Cost Basis	12,783
Revolving Loan Converted to Term	0
Total	158,406
Total Loans		229,351
Commercial | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0
2020	0
2019	3
2018	0
2017	0
Prior	5,899
Revolving Loans Amortized Cost Basis	0
Revolving Loan Converted to Term	0
Total	5,902
Total Loans		1,574
Commercial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2021	3,541
2020	3,791
2019	589
2018	0
2017	25
Prior	12
Revolving Loans Amortized Cost Basis	252
Revolving Loan Converted to Term	0
Total	8,210
Total Loans		9,629
Commercial | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Revolving Loan Converted to Term	0
Total	0
Total Loans		0
Commercial Real Estate
Financing Receivable, Credit Quality Indicator [Line Items]
2021	147,884
2020	300,759
2019	47,483
2018	38,093
2017	22,292
Prior	70,471
Revolving Loans Amortized Cost Basis	1,947
Revolving Loan Converted to Term	0
Total	628,929
Commercial Real Estate | Satisfactory
Financing Receivable, Credit Quality Indicator [Line Items]
2021	140,636
2020	276,461
2019	42,369
2018	37,997
2017	22,155
Prior	59,698
Revolving Loans Amortized Cost Basis	1,923
Revolving Loan Converted to Term	0
Total	581,239
Total Loans		525,609
Commercial Real Estate | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0
2020	7,893
2019	1,204
2018	0
2017	137
Prior	1,906
Revolving Loans Amortized Cost Basis	0
Revolving Loan Converted to Term	0
Total	11,140
Total Loans		16,213
Commercial Real Estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2021	7,248
2020	16,405
2019	3,910
2018	96
2017	0
Prior	8,867
Revolving Loans Amortized Cost Basis	24
Revolving Loan Converted to Term	0
Total	36,550
Total Loans		29,965
Commercial Real Estate | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Revolving Loan Converted to Term	0
Total	0
Total Loans		0
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
2021	402,946
2020	239,891
2019	155,019
2018	82,824
2017	29,747
Prior	9,674
Revolving Loans Amortized Cost Basis	455
Revolving Loan Converted to Term	0
Total	920,556	859,768
Consumer | Performing
Financing Receivable, Credit Quality Indicator [Line Items]
2021	402,558
2020	239,492
2019	154,517
2018	82,673
2017	29,587
Prior	9,578
Revolving Loans Amortized Cost Basis	455
Revolving Loan Converted to Term	0
Total	918,860
Total Loans		858,298
Consumer | Nonperforming
Financing Receivable, Credit Quality Indicator [Line Items]
2021	388
2020	399
2019	502
2018	151
2017	160
Prior	96
Revolving Loans Amortized Cost Basis	0
Revolving Loan Converted to Term	0
Total	1,696
Total Loans		1,470
Residential
Financing Receivable, Credit Quality Indicator [Line Items]
2021	187,708
2020	146,246
2019	93,547
2018	88,532
2017	93,686
Prior	217,586
Revolving Loans Amortized Cost Basis	118,633
Revolving Loan Converted to Term	0
Total	945,938	922,921
Residential | Performing
Financing Receivable, Credit Quality Indicator [Line Items]
2021	187,708
2020	146,113
2019	93,547
2018	88,505
2017	93,524
Prior	215,679
Revolving Loans Amortized Cost Basis	118,595
Revolving Loan Converted to Term	0
Total	943,671
Total Loans		919,867
Residential | Nonperforming
Financing Receivable, Credit Quality Indicator [Line Items]
2021	0
2020	133
2019	0
2018	27
2017	162
Prior	1,907
Revolving Loans Amortized Cost Basis	38
Revolving Loan Converted to Term	0
Total	$ 2,267
Total Loans		$ 3,054

Loans - Impaired Loans (Details

Loans - Impaired Loans (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)
Recorded Investment:
With No Related Allowance	$ 2,410
With a Related Allowance	290
Unpaid Principal Balance:
With No Related Allowance	2,413
With a Related Allowance	291
Average Recorded Balance:
With No Related Allowance	1,609
With a Related Allowance	292
Interest Income Recognized:
With No Related Allowance	11
With a Related Allowance	0
Cash Basis Income:
With No Related Allowance	0
With a Related Allowance	0
Commercial
Recorded Investment:
With No Related Allowance	0
With a Related Allowance	46
Unpaid Principal Balance:
With No Related Allowance	0
With a Related Allowance	47
Average Recorded Balance:
With No Related Allowance	0
With a Related Allowance	40
Interest Income Recognized:
With No Related Allowance	0
With a Related Allowance	0
Cash Basis Income:
With No Related Allowance	0
With a Related Allowance	0
Commercial Real Estate
Recorded Investment:
With No Related Allowance	1,124
With a Related Allowance	0
Unpaid Principal Balance:
With No Related Allowance	1,128
With a Related Allowance	0
Average Recorded Balance:
With No Related Allowance	562
With a Related Allowance	0
Interest Income Recognized:
With No Related Allowance	0
With a Related Allowance	0
Cash Basis Income:
With No Related Allowance	0
With a Related Allowance	0
Consumer
Recorded Investment:
With No Related Allowance	112
With a Related Allowance	0
Unpaid Principal Balance:
With No Related Allowance	111
With a Related Allowance	0
Average Recorded Balance:
With No Related Allowance	110
With a Related Allowance	0
Interest Income Recognized:
With No Related Allowance	1
With a Related Allowance	0
Cash Basis Income:
With No Related Allowance	0
With a Related Allowance	0
Residential
Recorded Investment:
With No Related Allowance	1,174
With a Related Allowance	244
Unpaid Principal Balance:
With No Related Allowance	1,174
With a Related Allowance	244
Average Recorded Balance:
With No Related Allowance	937
With a Related Allowance	252
Interest Income Recognized:
With No Related Allowance	10
With a Related Allowance	0
Cash Basis Income:
With No Related Allowance	0
With a Related Allowance	$ 0

Loans Modified in Trouble Debt

Loans Modified in Trouble Debt Restructurings (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)loancontract	Dec. 31, 2020USD ($)loancontract
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	1	6
Pre-Modification Outstanding Recorded Investment	$ 16	$ 91
Post-Modification Outstanding Recorded Investment	$ 16	$ 91
Subsequent Default, Number of Contracts | contract	0	0
Subsequent Default, Recorded Investment	$ 0	$ 0
Commitments to lend additional funds to modified loans	$ 0	$ 0
Commercial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	0	1
Pre-Modification Outstanding Recorded Investment	$ 0	$ 14
Post-Modification Outstanding Recorded Investment	$ 0	$ 14
Subsequent Default, Number of Contracts | contract	0	0
Subsequent Default, Recorded Investment	$ 0	$ 0
Commitments to lend additional funds to modified loans	$ 0	$ 0
Commercial Real Estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	0	0
Pre-Modification Outstanding Recorded Investment	$ 0	$ 0
Post-Modification Outstanding Recorded Investment	$ 0	$ 0
Subsequent Default, Number of Contracts | contract	0	0
Subsequent Default, Recorded Investment	$ 0	$ 0
Commitments to lend additional funds to modified loans	$ 0	$ 0
Consumer
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	1	5
Pre-Modification Outstanding Recorded Investment	$ 16	$ 77
Post-Modification Outstanding Recorded Investment	$ 16	$ 77
Subsequent Default, Number of Contracts | contract	0	0
Subsequent Default, Recorded Investment	$ 0	$ 0
Commitments to lend additional funds to modified loans	$ 0	$ 0
Residential
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	0	0
Pre-Modification Outstanding Recorded Investment	$ 0	$ 0
Post-Modification Outstanding Recorded Investment	$ 0	$ 0
Subsequent Default, Number of Contracts | contract	0	0
Subsequent Default, Recorded Investment	$ 0	$ 0
Commitments to lend additional funds to modified loans	$ 0	$ 0

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Property, Plant and Equipment [Line Items]
Total Cost	$ 83,754	$ 77,532
Accumulated Depreciation and Amortization	(42,351)	(39,911)
Net Owned Premises and Equipment	41,403	37,621
Leased Assets (see Note 18)	4,814	4,991
Net Premises and Equipment	46,217	42,612
Land and Bank Premises
Property, Plant and Equipment [Line Items]
Total Cost	40,848	39,624
Equipment, Furniture and Fixtures
Property, Plant and Equipment [Line Items]
Total Cost	38,496	33,276
Leasehold Improvements
Property, Plant and Equipment [Line Items]
Total Cost	$ 4,410	$ 4,632

Premises and Equipment Suppleme

Premises and Equipment Supplemental Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
Depreciation	$ 2,993	$ 2,758	$ 2,211

Other Intangible Assets Schedul

Other Intangible Assets Schedule of Finite-Lived Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 9,915	$ 9,479
Accumulated Amortization	(7,997)	(7,529)
Net Carrying Amount	1,918	1,950	$ 1,661
Rollforward of Intangible Assets:
Beginning balance	1,950	1,661	1,852
Intangible Assets Acquired	436	621	168
Intangible Assets Disposed	0	0	0
Amortization of Intangible Assets	(468)	(332)	(359)
Ending balance	1,918	1,950	1,661
Depositor Intangibles
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	2,247	2,247
Accumulated Amortization	(2,247)	(2,247)
Net Carrying Amount	0	0	0
Rollforward of Intangible Assets:
Beginning balance	0	0	0
Intangible Assets Acquired	0	0	0
Intangible Assets Disposed	0	0	0
Amortization of Intangible Assets	0	0	0
Ending balance	0	0	0
Mortgage Servicing Rights
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	3,286	2,850
Accumulated Amortization	(2,276)	(2,018)
Net Carrying Amount	1,010	832	316
Rollforward of Intangible Assets:
Beginning balance	832	316	262
Intangible Assets Acquired	436	621	168
Intangible Assets Disposed	0	0	0
Amortization of Intangible Assets	(258)	(105)	(114)
Ending balance	1,010	832	316
Customer Intangibles
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	4,382	4,382
Accumulated Amortization	(3,474)	(3,264)
Net Carrying Amount	908	1,118	1,345
Rollforward of Intangible Assets:
Beginning balance	1,118	1,345	1,590
Intangible Assets Acquired	0	0	0
Intangible Assets Disposed	0	0	0
Amortization of Intangible Assets	(210)	(227)	(245)
Ending balance	$ 908	$ 1,118	$ 1,345

Other Intangible Assets Sched_2

Other Intangible Assets Schedule of Finite-Lived Intangible Assets, Future Amortization Expense (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Finite-Lived Intangible Assets [Line Items]
2022	$ 426
2023	389
2024	359
2025	300
2026	232
2027 and beyond	212
Net Carrying Amount	1,918	$ 1,950	$ 1,661	$ 1,852
Mortgage Servicing Rights
Finite-Lived Intangible Assets [Line Items]
2022	233
2023	213
2024	204
2025	193
2026	143
2027 and beyond	24
Net Carrying Amount	1,010	832	316	262
Customer Intangibles
Finite-Lived Intangible Assets [Line Items]
2022	193
2023	176
2024	155
2025	107
2026	89
2027 and beyond	188
Net Carrying Amount	$ 908	$ 1,118	$ 1,345	$ 1,590

Commitments and Contingencies_2

Commitments and Contingencies (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Guarantor Obligations [Line Items]
Litigation settlement, expense	$ 1,500	$ 1,475	$ 0	$ 0
Litigation settlement, amount awarded to other party	1,500
Commitments to Extend Credit
Guarantor Obligations [Line Items]
Notional Amount	402,280	402,280	399,882
Fair Value	0	0	0
Standby Letters of Credit
Guarantor Obligations [Line Items]
Notional Amount	3,223	3,223	3,703
Fair Value	$ 24	$ 24	$ 28
Standby Letters of Credit | Minimum
Guarantor Obligations [Line Items]
Loan commitments, fixed fee percent	1.00%	1.00%
Standby Letters of Credit | Maximum
Guarantor Obligations [Line Items]
Loan commitments, fixed fee percent	3.00%	3.00%

Time Deposits (Details)

Time Deposits (Details) $ in Thousands	Dec. 31, 2021USD ($)
Maturities of Time Deposits [Abstract]
2022	$ 160,451
2023	18,406
2024	7,886
2025	4,930
2026	4,453
2027 and beyond	18,419
Total	$ 214,545

Debt Schedule of Short Term Deb

Debt Schedule of Short Term Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Short-term Debt [Line Items]
Securities Sold Under Agreements to Repurchase	$ 0	$ 17,486
Total Short-Term Borrowings	0	17,486
Federal Funds Purchased
Short-term Debt [Line Items]
Maximum Borrowing Capacity	52,000	52,000
Overnight Advances from the Federal Home Loan Bank of New York
Short-term Debt [Line Items]
Federal Home Loan Bank of New York	778,902	859,592
Federal Reserve Bank of New York
Short-term Debt [Line Items]
Maximum Borrowing Capacity	$ 594,034	$ 610,643

Debt - Narrative (Details)

Debt - Narrative (Details)	12 Months Ended
	Dec. 31, 2021USD ($)subsidiaryBusinessTrustclass	Dec. 31, 2020USD ($)
Debt Instrument [Line Items]
Securities sold under agreements to repurchase	$ 0	$ 19,189,000
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	$ 20,000,000
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 ($)	Dec. 31, 2021	Dec. 31, 2020
Debt Instrument [Line Items]
Securities sold under agreements to repurchase	$ 0	$ 19,189,000
Mortgage- Backed Securities
Debt Instrument [Line Items]
Securities sold under agreements to repurchase	$ 0	$ 19,189,000

Debt Maturities of Long Term De

Debt Maturities of Long Term Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Balances
First Year	$ 5,000	$ 0
Second Year	20,000	5,000
Third Year	20,000	20,000
Fourth Year	0	20,000
Fifth Year	0	0
Total	$ 45,000	$ 45,000
Weighted Average Rate
First Year	1.81%	0.00%
Second Year	1.75%	1.81%
Third Year	1.76%	1.75%
Fourth Year	0.00%	1.76%
Fifth Year	0.00%	0.00%
Total	1.77%	1.77%

Debt Schedule of Long-term Debt

Debt Schedule of Long-term Debt instruments (Details) - Junior Subordinated Debt - USD ($)	Dec. 31, 2021	Dec. 31, 2020
ACST II
Debt Instrument [Line Items]
Face amount	$ 10,000,000	$ 10,000,000
Variable Interest Rate	3.28%	3.37%
Fixed Interest Rate resulting from cash flow hedge agreement	4.00%	4.00%
ACST III
Debt Instrument [Line Items]
Face amount	$ 10,000,000	$ 10,000,000
Variable Interest Rate	2.13%	2.22%
Fixed Interest Rate resulting from cash flow hedge agreement	2.86%	2.86%

Comprehensive Income (Loss), _3

Comprehensive Income (Loss), Net of Tax - Other Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Before-Tax Amount
Other comprehensive income (loss)	$ 1,563	$ 7,446	$ 9,993
Tax Expense (Benefit)
Other comprehensive income (loss)	(400)	(1,905)	(2,540)
Net-of-Tax Amount
Other comprehensive income before reclassifications	1,016	5,187	6,776
Reclassification from AOCI, current period	147	354	677
Other Comprehensive Income	1,163	5,541	7,453
Unrealized Gains and Losses on Available for Sale Securities
Before-Tax Amount
OCI, before reclassifications	(8,616)	7,129	5,580
Reclassification from AOCI, current period		37
Tax Expense (Benefit)
Other Comprehensive Income (Loss) before Reclassifications, Tax	2,203	(1,823)	(1,418)
Reclassification from AOCI, current period		(9)
Net-of-Tax Amount
Other comprehensive income before reclassifications	(6,413)	5,306	4,162
Reclassification from AOCI, current period	0	28	0
Other Comprehensive Income	(6,413)	5,334	4,162
Net Unrealized Gains on Cash Flow Swap
Before-Tax Amount
OCI, before reclassifications	1,249	651
Reclassification from AOCI, current period	(126)
Tax Expense (Benefit)
Other Comprehensive Income (Loss) before Reclassifications, Tax	(320)	(166)
Reclassification from AOCI, current period	32
Net-of-Tax Amount
Other comprehensive income before reclassifications	929	485	0
Reclassification from AOCI, current period	(94)	0	0
Other Comprehensive Income	835	485	0
Net Actuarial Gain (Loss)
Before-Tax Amount
OCI, before reclassifications	8,733	(337)	3,505
Reclassification from AOCI, current period	91	227	684
Tax Expense (Benefit)
Other Comprehensive Income (Loss) before Reclassifications, Tax	(2,233)	86	(891)
Reclassification from AOCI, current period	(23)	(58)	(174)
Net-of-Tax Amount
Other comprehensive income before reclassifications	6,500	(251)	2,614
Reclassification from AOCI, current period	68	169	510
Other Comprehensive Income	6,568	(82)	3,124
Net Prior Service (Cost) Credit
Before-Tax Amount
OCI, before reclassifications		(472)
Reclassification from AOCI, current period	232	211	224
Tax Expense (Benefit)
Other Comprehensive Income (Loss) before Reclassifications, Tax		119
Reclassification from AOCI, current period	(59)	(54)	(57)
Net-of-Tax Amount
Other comprehensive income before reclassifications	0	(353)	0
Reclassification from AOCI, current period	173	157	167
Other Comprehensive Income	$ 173	$ (196)	$ 167

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, 2021	Dec. 31, 2020	Dec. 31, 2019
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	$ 334,392	$ 301,728	$ 269,584
Other comprehensive income before reclassifications	1,016	5,187	6,776
Amounts reclassified from accumulated other comprehensive income	147	354	677
Other Comprehensive Income	1,163	5,541	7,453
Ending balance	371,186	334,392	301,728
Accumulated Other Comprehensive Income (Loss)
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(816)	(6,357)	(13,810)
Other Comprehensive Income	1,163	5,541	7,453
Ending balance	347	(816)	(6,357)
Unrealized Gains and Losses on Available for Sale Securities
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	5,799	465	(3,697)
Other comprehensive income before reclassifications	(6,413)	5,306	4,162
Amounts reclassified from accumulated other comprehensive income	0	28	0
Other Comprehensive Income	(6,413)	5,334	4,162
Ending balance	(614)	5,799	465
Unrealized Gain on Cash Flow Swap
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	485	0	0
Other comprehensive income before reclassifications	929	485	0
Amounts reclassified from accumulated other comprehensive income	(94)	0	0
Other Comprehensive Income	835	485	0
Ending balance	1,320	485	0
Net Actuarial Gain (Loss)
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(5,929)	(5,847)	(8,971)
Other comprehensive income before reclassifications	6,500	(251)	2,614
Amounts reclassified from accumulated other comprehensive income	68	169	510
Other Comprehensive Income	6,568	(82)	3,124
Ending balance	639	(5,929)	(5,847)
Net Prior Service (Cost) Credit
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(1,171)	(975)	(1,142)
Other comprehensive income before reclassifications	0	(353)	0
Amounts reclassified from accumulated other comprehensive income	173	157	167
Other Comprehensive Income	173	(196)	167
Ending balance	$ (998)	$ (1,171)	$ (975)

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, 2021	Dec. 31, 2020	Dec. 31, 2019
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Interest expense	$ 5,195	$ 12,694	$ 21,710
Salaries and Employee Benefits	44,798	42,061	38,402
Total before tax	64,404	51,863	47,075
Provision for Income Taxes	(14,547)	(11,036)	(9,600)
NET INCOME	49,857	40,827	37,475
Reclassification out of Accumulated Other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
NET INCOME	(147)	(354)	(677)
Net Unrealized Gains on Cash Flow Swap | Reclassification out of Accumulated Other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Interest expense	126
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	(232)	(211)	(224)
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	(91)	(227)	(684)
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	(197)	(438)	(908)
Provision for Income Taxes	50	112	231
NET INCOME	$ (147)	(326)	$ (677)
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)
Total before tax		(37)
Provision for Income Taxes		9
NET INCOME		$ (28)

Stock Based Compensation Narrat

Stock Based Compensation Narrative (Details)	12 Months Ended
	Dec. 31, 2021USD ($)planshares		Sep. 24, 2021	Dec. 31, 2020USD ($)shares	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of compensation plans | plan	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%
Outstanding balance on ESOP loan | $	$ 0			$ 0
Unallocated shares (in shares) | shares	0			0
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 2021 were treasury shares of 139,237

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, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Payment Arrangement [Abstract]
Shares Available for Grant at Period-End (in shares)	122,728
Shares
Outstanding, Beginning Balance (in shares)	272,024
Granted (in shares)	57,165	53,894	56,822
Exercised (in shares)	(56,336)
Forfeited (in shares)	(2,095)
Outstanding, Ending Balance (in shares)	270,758	272,024
Exercisable (in shares)	138,543
Vested and Expected to Vest (in shares)	132,215
Weighted Average Exercise Price
Beginning balance (in dollars per share)	$ 28
Granted (in dollars per share)	28.69
Exercised (in dollars per share)	26.71
Forfeited (in dollars per share)	23.83
Ending balance (in dollars per share)	28.45	$ 28
Exercisable (in dollars per share)	26.81
Vested and Expected to Vest (in dollars per share)	$ 30.16
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Outstanding (in years)	6 years 5 months 12 days
Exercisable (in years)	4 years 10 months 2 days
Vested and Expected to Vest (in years)	8 years 1 month 17 days
Aggregate Intrinsic Value
Outstanding	$ 1,836
Exercisable	1,167
Vested and Expected to Vest	$ 670

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, 2021$ / sharesshares
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 28.45
Number of Stock Options Outstanding (in shares) | shares	270,758
Weighted-Average Remaining Contractual Life (in years)	6 years 5 months 12 days
Number of Stock Options Outstanding (in shares) | shares	138,543
Weighted-Average Remaining Contractual Life (in years)	4 years 10 months 2 days
Weighted-Average Exercise Price (in dollars per share)	$ 26.80
Exercise Price Range $19.16 to $19.67
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 19.46
Number of Stock Options Outstanding (in shares) | shares	11,977
Weighted-Average Remaining Contractual Life (in years)	6 months
Number of Stock Options Outstanding (in shares) | shares	11,977
Weighted-Average Remaining Contractual Life (in years)	6 months
Weighted-Average Exercise Price (in dollars per share)	$ 19.46
Exercise Price Range $20.13
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 20.13
Number of Stock Options Outstanding (in shares) | shares	12,919
Weighted-Average Remaining Contractual Life (in years)	2 years 29 days
Number of Stock Options Outstanding (in shares) | shares	12,919
Weighted-Average Remaining Contractual Life (in years)	2 years 29 days
Weighted-Average Exercise Price (in dollars per share)	$ 20.13
Exercise Price Range $21.21 to $21.65
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 21.46
Number of Stock Options Outstanding (in shares) | shares	28,602
Weighted-Average Remaining Contractual Life (in years)	3 years 7 months 24 days
Number of Stock Options Outstanding (in shares) | shares	28,602
Weighted-Average Remaining Contractual Life (in years)	3 years 7 months 24 days
Weighted-Average Exercise Price (in dollars per share)	$ 21.46
Exercise Price Range $29.89
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 28.69
Number of Stock Options Outstanding (in shares) | shares	56,135
Weighted-Average Remaining Contractual Life (in years)	9 years 29 days
Number of Stock Options Outstanding (in shares) | shares	1,030
Weighted-Average Remaining Contractual Life (in years)	9 years 29 days
Weighted-Average Exercise Price (in dollars per share)	$ 28.69
Exercise Price Range $29.02 to $29.14
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 29.07
Number of Stock Options Outstanding (in shares) | shares	81,422
Weighted-Average Remaining Contractual Life (in years)	6 years 7 months 20 days
Number of Stock Options Outstanding (in shares) | shares	43,941
Weighted-Average Remaining Contractual Life (in years)	6 years 6 months 10 days
Weighted-Average Exercise Price (in dollars per share)	$ 29.09
Exercise Price Range $32.10 to $33.25
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 32.83
Number of Stock Options Outstanding (in shares) | shares	79,703
Weighted-Average Remaining Contractual Life (in years)	6 years 11 months 26 days
Number of Stock Options Outstanding (in shares) | shares	40,074
Weighted-Average Remaining Contractual Life (in years)	5 years 10 months 24 days
Weighted-Average Exercise Price (in dollars per share)	$ 32.42
Minimum | Exercise Price Range $19.16 to $19.67
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	19.16
Minimum | Exercise Price Range $21.21 to $21.65
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	21.21
Minimum | Exercise Price Range $29.02 to $29.14
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	29.02
Minimum | Exercise Price Range $32.10 to $33.25
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	32.1
Maximum | Exercise Price Range $19.16 to $19.67
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	19.67
Maximum | Exercise Price Range $21.21 to $21.65
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	21.65
Maximum | Exercise Price Range $29.02 to $29.14
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	29.14
Maximum | Exercise Price Range $32.10 to $33.25
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 33.25

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, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Stock Options Granted (in shares)	57,165	53,894	56,822
Weighted Average Grant Date Information:
Fair Value of Options Granted, Weighted Average Grant Date (in dollars per share)	$ 4.71	$ 4.70	$ 5.26
Fair Value Assumptions:
Dividend Yield	3.41%	2.90%	3.26%
Expected Volatility	26.53%	20.25%	22.58%
Risk Free Interest Rate	0.49%	1.53%	2.63%
Expected Lives (in years)	8 years 9 months	6 years 8 months 4 days	8 years 8 months 4 days
Amount Expensed During the Year	$ 282	$ 301	$ 316
Compensation Costs for Non-vested Awards Not Yet Recognized	$ 427	$ 440	$ 487
Weighted Average Expected Vesting Period (in years)	2 years 1 month 28 days	2 years 2 months 1 day	2 years 25 days
Proceeds From Stock Options Exercised	$ 1,505	$ 748	$ 1,792
Tax Benefits Related to Stock Options Exercised	69	52	227
Intrinsic Value of Stock Options Exercised	$ 439	$ 282	$ 1,073

Stock Based Compensation Restri

Stock Based Compensation Restricted Stock Units Information (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Weighted Average Grant Date Fair Value
Amount Expensed During the Year	$ 414	$ 420	$ 391
Restricted Stock Units (RSUs)
Restricted Stock Units
Beginning balance, nonvested (in shares)	12,012	7,952	3,689
Granted (in shares)	4,880	4,060	4,263
Vested (in shares)	(3,689)	0	0
Canceled (in shares)	0	0	0
Ending balance, nonvested (in shares)	13,203	12,012	7,952
Weighted Average Grant Date Fair Value
Beginning balance, nonvested (in dollars per share)	$ 30.70	$ 29.39	$ 29.81
Granted (in dollars per share)	28.54	33.25	29.02
Vested (in dollars per share)	29.82	0	0
Canceled (in dollars per share)	0	0	0
Ending balance, nonvested (in dollars per share)	$ 30.15	$ 30.70	$ 29.39
Amount Expensed During the Year	$ 132	$ 119	$ 75
Compensation Costs for Non-vested Awards Not Yet Recognized	$ 149	$ 141	$ 126

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, 2021	Dec. 31, 2020	Dec. 31, 2019
Employee Stock Ownership Plan (ESOP), Shares in ESOP [Abstract]
ESOP Compensation Expense	$ 1,487	$ 1,619	$ 1,368

Retirement Benefit Plans (Detai

Retirement Benefit Plans (Details)	12 Months Ended
	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)	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	$ 68,925,000	$ 59,837,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	59,837,000
Fair Value of Plan Assets, End of Period	68,925,000	59,837,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 68,925,000	$ 59,837,000
Percent of Total	100.00%	100.00%
Expected Future Benefit Payments
Health Care Cost Trend   Rate Assumed for Next Year	7.00%	7.00%
Rate to which the Cost Trend   Rate is Assumed to Decline   (the Ultimate Trend Rate)	3.78%	3.78%
Year that the Rate Reaches    the Ultimate Trend Rate	2075	2075
Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 68,925,000	$ 59,837,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	59,837,000
Fair Value of Plan Assets, End of Period	68,925,000	59,837,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	68,925,000	59,837,000
Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
Cash
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	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
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
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
Cash | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
Cash | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
Interest-Bearing Money Market Fund
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	2,439,000	1,124,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	1,124,000
Fair Value of Plan Assets, End of Period	2,439,000	1,124,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 2,439,000	$ 1,124,000
Percent of Total	3.50%	1.90%
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	$ 2,439,000	$ 1,124,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	1,124,000
Fair Value of Plan Assets, End of Period	2,439,000	1,124,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	2,439,000	1,124,000
Interest-Bearing Money Market Fund | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
Interest-Bearing Money Market Fund | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
Common Stock
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	6,469,000	5,332,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	5,332,000
Fair Value of Plan Assets, End of Period	6,469,000	5,332,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 6,469,000	$ 5,332,000
Percent of Total	9.40%	8.90%
Common Stock | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 6,469,000	$ 5,332,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	5,332,000
Fair Value of Plan Assets, End of Period	6,469,000	5,332,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	6,469,000	5,332,000
Common Stock | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
Common Stock | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
North Country Funds - Equity
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	29,490,000	25,741,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	25,741,000
Fair Value of Plan Assets, End of Period	29,490,000	25,741,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 29,490,000	$ 25,741,000
Percent of Total	42.80%	43.00%
North Country Funds - Equity | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 29,490,000	$ 25,741,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	25,741,000
Fair Value of Plan Assets, End of Period	29,490,000	25,741,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	29,490,000	25,741,000
North Country Funds - Equity | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
North Country Funds - Equity | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
Other Mutual Funds - Equity
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	16,761,000	17,336,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	17,336,000
Fair Value of Plan Assets, End of Period	16,761,000	17,336,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 16,761,000	$ 17,336,000
Percent of Total	24.30%	29.00%
Other Mutual Funds - Equity | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 16,761,000	$ 17,336,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	17,336,000
Fair Value of Plan Assets, End of Period	16,761,000	17,336,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	16,761,000	17,336,000
Other Mutual Funds - Equity | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
Other Mutual Funds - Equity | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
Equity Funds
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	46,251,000	43,077,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	43,077,000
Fair Value of Plan Assets, End of Period	46,251,000	43,077,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 46,251,000	$ 43,077,000
Percent of Total	67.10%	72.00%
Equity Funds | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 46,251,000	$ 43,077,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	43,077,000
Fair Value of Plan Assets, End of Period	46,251,000	43,077,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	46,251,000	43,077,000
Equity Funds | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
Equity Funds | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
North Country Funds - Fixed Income
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	6,317,000	8,534,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	8,534,000
Fair Value of Plan Assets, End of Period	6,317,000	8,534,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 6,317,000	$ 8,534,000
Percent of Total	9.20%	14.30%
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	$ 6,317,000	$ 8,534,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	8,534,000
Fair Value of Plan Assets, End of Period	6,317,000	8,534,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	6,317,000	8,534,000
North Country Funds - Fixed Income | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
North Country Funds - Fixed Income | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
Other Mutual Funds - Fixed Income
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	2,675,000	805,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	805,000
Fair Value of Plan Assets, End of Period	2,675,000	805,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 2,675,000	$ 805,000
Percent of Total	3.90%	1.30%
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	$ 2,675,000	$ 805,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	805,000
Fair Value of Plan Assets, End of Period	2,675,000	805,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	2,675,000	805,000
Other Mutual Funds - Fixed Income | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
Other Mutual Funds - Fixed Income | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
Fixed Income Funds
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	8,992,000	9,339,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	9,339,000
Fair Value of Plan Assets, End of Period	8,992,000	9,339,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 8,992,000	$ 9,339,000
Percent of Total	13.10%	15.60%
Fixed Income Funds | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 8,992,000	$ 9,339,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	9,339,000
Fair Value of Plan Assets, End of Period	8,992,000	9,339,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	8,992,000	9,339,000
Fixed Income Funds | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
Fixed Income Funds | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
Alternative ETF
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	4,774,000	965,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	965,000
Fair Value of Plan Assets, End of Period	4,774,000	965,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 4,774,000	$ 965,000
Percent of Total	6.90%	1.60%
Alternative ETF | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 4,774,000	$ 965,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	965,000
Fair Value of Plan Assets, End of Period	4,774,000	965,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	4,774,000	965,000
Alternative ETF | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
Alternative ETF | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, 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
Employees' Pension Plan
Defined Benefit Plan Disclosure [Line Items]
Assumptions used calculating benefit obligation, interest rate to annuitize cash balance account	1.02%
Defined benefit plan, increase in benefit payable, percent	3.00%
Defined benefit plan, benefit obligation, increase (decrease) for plan amendment	$ 0	351,638
Defined benefit plan, amortization of service cost	9 years 8 months 12 days
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 68,925,000	59,837,000	$ 57,051,000
Benefit Obligation	45,659,000	44,877,000	42,322,000
Funded Status of Plan	23,266,000	14,960,000
Change in Benefit Obligation
Benefit Obligation, Beginning of Period	44,877,000	42,322,000
Service Cost	1,934,000	1,663,000	1,527,000
Interest Cost	1,365,000	1,544,000	1,765,000
Plan Participants' Contributions	0	0
Amendments	0	351,638
Actuarial (Gain) Loss	(347,000)	2,901,000
Benefits Paid	(2,170,000)	(3,905,000)
Benefit Obligation, End of Period	45,659,000	44,877,000	42,322,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	59,837,000	57,051,000
Actual Return on Plan Assets	11,258,000	6,691,000
Employer Contributions	0	0
Plan Participants' Contributions	0	0
Benefits Paid	(2,170,000)	(3,905,000)
Fair Value of Plan Assets, End of Period	68,925,000	59,837,000	57,051,000
Accumulated Benefit Obligation at December 31, 2021	45,482,000
Amounts Recognized in the Consolidated Balance Sheets
Prepaid Pension Asset	23,266,000	14,960,000
Accrued Benefit Liability	0	0
Net Benefit (Expense) Recognized	23,266,000	14,960,000
Amounts Recognized in Other Comprehensive Income (Loss)
Net Unamortized (Gain) Loss Arising During the Period	(7,826,000)	(182,000)	(4,584,000)
Net Prior Service Cost Arising During the Period		349,000
Amortization of Net (Loss) Gain	0	(81,000)	(613,000)
Amortization of Prior Service Cost	(78,000)	(63,000)	(69,000)
Total Other Comprehensive (Loss) Income for Pension and Other Postretirement Benefit Plans	(7,904,000)	23,000	(5,266,000)
Accumulated Other Comprehensive Income
Net Actuarial (Gain) Loss	(2,341,000)	5,482,000
Prior Service Cost	453,000	533,000
Total Accumulated Other Comprehensive (Loss) Income, Before Tax	(1,888,000)	6,015,000
Amounts that will be Amortized from Accumulated Other Comprehensive Income the Next Year
Net Actuarial Loss (Gain)	0
Prior Service Cost	77,000
Net Periodic Benefit Cost
Service Cost	1,934,000	1,663,000	1,527,000
Interest Cost	1,365,000	1,544,000	1,765,000
Expected Return on Plan Assets	(3,780,000)	(3,608,000)	(3,060,000)
Amortization of Prior Service Cost	78,000	63,000	69,000
Amortization of Net Loss (Gain)	0	81,000	613,000
Net Periodic Benefit Cost	$ (403,000)	$ (257,000)	$ 914,000
Weighted-Average Assumptions Used in Calculating Benefit Obligation
Discount Rate	3.30%	3.14%
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	1.02%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment Two	2.72%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment Three	3.08%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment One	1.02%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Two	2.72%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Three	3.08%
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Discount Rate	3.14%	3.72%	4.81%
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	1.02%
Interest Rate to Annuitize Cash Balance Account, Segment Two	2.72%
Interest Rate to Annuitize Cash Balance Account, Segment Three	3.08%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment One	1.02%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Two	2.72%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Three	3.08%
Fair Value of Plan Assets	$ 68,925,000	$ 59,837,000	$ 57,051,000
Expected Future Benefit Payments
2022	2,666,000
2023	3,329,000
2024	3,106,000
2025	3,474,000
2026	2,699,000
2027 - 2031	15,040,000
Estimated Contributions During 2022	$ 0
Select Executive Retirement Plan
Defined Benefit Plan Disclosure [Line Items]
Assumptions used calculating benefit obligation, interest rate to annuitize cash balance account	2.72%
Defined benefit plan, benefit obligation, increase (decrease) for plan amendment	$ 0	122,000
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
Benefit Obligation	6,455,000	5,820,000	5,194,000
Funded Status of Plan	(6,455,000)	(5,820,000)
Change in Benefit Obligation
Benefit Obligation, Beginning of Period	5,820,000	5,194,000
Service Cost	582,000	408,000	324,000
Interest Cost	191,000	192,000	217,000
Plan Participants' Contributions	0	0
Amendments	0	122,000
Actuarial (Gain) Loss	332,000	369,000
Benefits Paid	(470,000)	(465,000)
Benefit Obligation, End of Period	6,455,000	5,820,000	5,194,000
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	470,000	465,000
Plan Participants' Contributions	0	0
Benefits Paid	(470,000)	(465,000)
Fair Value of Plan Assets, End of Period	0	0	0
Accumulated Benefit Obligation at December 31, 2021	6,384,000
Amounts Recognized in the Consolidated Balance Sheets
Prepaid Pension Asset	0	0
Accrued Benefit Liability	(6,455,000)	(5,820,000)
Net Benefit (Expense) Recognized	(6,455,000)	(5,820,000)
Amounts Recognized in Other Comprehensive Income (Loss)
Net Unamortized (Gain) Loss Arising During the Period	332,000	368,000	409,000
Net Prior Service Cost Arising During the Period		123,000
Amortization of Net (Loss) Gain	(178,000)	(146,000)	(113,000)
Amortization of Prior Service Cost	(48,000)	(42,000)	(54,000)
Total Other Comprehensive (Loss) Income for Pension and Other Postretirement Benefit Plans	106,000	303,000	242,000
Accumulated Other Comprehensive Income
Net Actuarial (Gain) Loss	2,651,000	2,497,000
Prior Service Cost	411,000	459,000
Total Accumulated Other Comprehensive (Loss) Income, Before Tax	3,062,000	2,956,000
Amounts that will be Amortized from Accumulated Other Comprehensive Income the Next Year
Net Actuarial Loss (Gain)	157,000
Prior Service Cost	44,000
Net Periodic Benefit Cost
Service Cost	582,000	408,000	324,000
Interest Cost	191,000	192,000	217,000
Expected Return on Plan Assets	0	0	0
Amortization of Prior Service Cost	48,000	42,000	54,000
Amortization of Net Loss (Gain)	179,000	146,000	113,000
Net Periodic Benefit Cost	$ 1,000,000	$ 788,000	$ 708,000
Weighted-Average Assumptions Used in Calculating Benefit Obligation
Discount Rate	3.29%	3.19%
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	1.02%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment Two	2.72%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment Three	3.08%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment One	1.02%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Two	2.72%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Three	3.08%
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Discount Rate	3.19%	3.75%	4.80%
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	1.02%
Interest Rate to Annuitize Cash Balance Account, Segment Two	2.72%
Interest Rate to Annuitize Cash Balance Account, Segment Three	3.08%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment One	1.02%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Two	2.72%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Three	3.08%
Fair Value of Plan Assets	$ 0	$ 0	$ 0
Expected Future Benefit Payments
2022	445,000
2023	424,000
2024	630,000
2025	609,000
2026	582,000
2027 - 2031	2,605,000
Estimated Contributions During 2022	$ 445,000
Postretirement Benefit Plans
Defined Benefit Plan Disclosure [Line Items]
Assumptions used calculating benefit obligation, interest rate to annuitize cash balance account	3.08%
Defined benefit plan, benefit obligation, increase (decrease) for plan amendment	$ 0	0
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0	0
Benefit Obligation	7,994,000	9,028,000	8,652,000
Funded Status of Plan	(7,994,000)	(9,028,000)
Change in Benefit Obligation
Benefit Obligation, Beginning of Period	9,028,000	8,652,000
Service Cost	109,000	123,000	121,000
Interest Cost	249,000	310,000	364,000
Plan Participants' Contributions	432,000	454,000
Amendments	0	0
Actuarial (Gain) Loss	(1,240,000)	151,000
Benefits Paid	(584,000)	(662,000)
Benefit Obligation, End of Period	7,994,000	9,028,000	8,652,000
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	152,000	208,000
Plan Participants' Contributions	432,000	454,000
Benefits Paid	(584,000)	(662,000)
Fair Value of Plan Assets, End of Period	0	0	0
Accumulated Benefit Obligation at December 31, 2021	7,994,000
Amounts Recognized in the Consolidated Balance Sheets
Prepaid Pension Asset	0	0
Accrued Benefit Liability	(7,994,000)	(9,028,000)
Net Benefit (Expense) Recognized	(7,994,000)	(9,028,000)
Amounts Recognized in Other Comprehensive Income (Loss)
Net Unamortized (Gain) Loss Arising During the Period	(1,239,000)	151,000	670,000
Net Prior Service Cost Arising During the Period		0
Amortization of Net (Loss) Gain	87,000	0	42,000
Amortization of Prior Service Cost	(106,000)	(106,000)	(101,000)
Total Other Comprehensive (Loss) Income for Pension and Other Postretirement Benefit Plans	(1,258,000)	45,000	611,000
Accumulated Other Comprehensive Income
Net Actuarial (Gain) Loss	(1,182,000)	(30,000)
Prior Service Cost	472,000	578,000
Total Accumulated Other Comprehensive (Loss) Income, Before Tax	(710,000)	548,000
Amounts that will be Amortized from Accumulated Other Comprehensive Income the Next Year
Net Actuarial Loss (Gain)	(128,000)
Prior Service Cost	106,000
Net Periodic Benefit Cost
Service Cost	109,000	123,000	121,000
Interest Cost	249,000	310,000	364,000
Expected Return on Plan Assets	0	0	0
Amortization of Prior Service Cost	106,000	106,000	101,000
Amortization of Net Loss (Gain)	(88,000)	0	(42,000)
Net Periodic Benefit Cost	$ 376,000	$ 539,000	$ 544,000
Weighted-Average Assumptions Used in Calculating Benefit Obligation
Discount Rate	3.32%	3.17%
Rate of Compensation Increase	3.50%	3.50%
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Discount Rate	3.17%	3.76%	4.81%
Rate of Compensation Increase	3.50%	3.50%	3.50%
Fair Value of Plan Assets	$ 0	$ 0	$ 0
Expected Future Benefit Payments
2022	610,000
2023	600,000
2024	607,000
2025	620,000
2026	631,000
2027 - 2031	2,917,000
Estimated Contributions During 2022	$ 610,000
Minimum | Cash
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage	0.00%	0.00%
Minimum | Interest-Bearing Money Market Fund
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage	0.00%	0.00%
Minimum | Common Stock
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage	0.00%	0.00%
Minimum | North Country Funds - Equity
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage
Minimum | Other Mutual Funds - Equity
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage
Minimum | Equity Funds
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage	55.00%	55.00%
Minimum | North Country Funds - Fixed Income
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage
Minimum | Other Mutual Funds - Fixed Income
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage
Minimum | Fixed Income Funds
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage	10.00%	10.00%
Minimum | Alternative ETF
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage	0.00%	0.00%
Maximum | Cash
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage	15.00%	15.00%
Maximum | Interest-Bearing Money Market Fund
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage	15.00%	15.00%
Maximum | Common Stock
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage	10.00%	10.00%
Maximum | North Country Funds - Equity
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage
Maximum | Other Mutual Funds - Equity
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage
Maximum | Equity Funds
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage	85.00%	85.00%
Maximum | North Country Funds - Fixed Income
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage
Maximum | Other Mutual Funds - Fixed Income
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage
Maximum | Fixed Income Funds
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage	30.00%	30.00%
Maximum | Alternative ETF
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, 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	3 Months Ended	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Other Income and Expenses [Abstract]
Legal and Other Professional Fees		$ 2,706	$ 2,516	$ 2,469
Postage and Courier		1,044	957	1,051
Advertising and Promotion		1,083	1,140	1,236
Stationery and Printing		721	713	834
Intangible Asset Amortization		210	227	245
Litigation Reserve Expense	$ 1,500	1,475	0	0
All Other		4,285	3,411	4,595
Total Other Operating Expense		$ 11,524	$ 8,964	$ 10,430

Income Taxes Current Income Tax

Income Taxes Current Income Tax Expense (Benefit), Continuing Operations (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Current Tax Expense:
Federal	$ 10,957	$ 10,791	$ 7,706
State	2,645	2,485	1,550
Total Current Tax Expense	13,602	13,276	9,256
Deferred Tax Expense (Benefit):
Federal	712	(1,569)	427
State	233	(671)	(83)
Total Deferred Tax Expense (Benefit)	945	(2,240)	344
Total Provision for Income Taxes	$ 14,547	$ 11,036	$ 9,600

Income Taxes Effective Income T

Income Taxes Effective Income Tax Rate, Continuing Operations, Tax Rate Reconciliation (Details)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Effective Income Tax Rate Reconciliation, Percent [Abstract]
Statutory Federal Tax Rate	21.00%	21.00%	21.00%
Tax-Exempt Income	(1.50%)	(2.10%)	(2.70%)
Nondeductible Interest Expense	0.00%	0.10%	0.20%
State Taxes, Net of Federal Income Tax Benefit	3.40%	2.60%	2.30%
Tax benefit from stock based compensation	0.00%	(0.10%)	(0.30%)
Other Items, Net	(0.30%)	(0.20%)	(0.10%)
Effective Tax Rate	22.60%	21.30%	20.40%

Income Taxes Components of Defe

Income Taxes Components of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deferred Tax Assets:
Allowance for Credit Losses	$ 7,440	$ 7,472
Lease liabilities	3,142	2,717
Pension and Deferred Compensation Plans	3,309	3,149
Pension Liability Included in Accumulated Other Comprehensive Income	124	2,439
Historic Tax Credit	1,023	1,394
Net Unrealized Losses on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income	211	0
Other	841	385
Total Gross Deferred Tax Assets	16,090	17,556
Valuation Allowance for Deferred Tax Assets	0	0
Total Gross Deferred Tax Assets, Net of Valuation Allowance	16,090	17,556
Deferred Tax Liabilities:
Pension Plans	5,470	5,368
Depreciation	3,070	3,018
ROU assets	3,005	2,638
Deferred Income	3,778	2,327
Net Unrealized Gains on Equity Securities	160	132
Net Unrealized Gains on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income	0	1,991
Goodwill	3,428	3,474
Gain on Cash Flow Hedge Agreements	453	166
Other	85	0
Total Gross Deferred Tax Liabilities	19,449	19,114
Deferred Tax Liability, Net	$ 3,359	$ 1,558

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details)	Dec. 31, 2021USD ($)
Income Tax Disclosure [Abstract]
Unrecognized tax benefits	$ 0

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands		12 Months Ended
		Dec. 31, 2021		Dec. 31, 2020	Dec. 31, 2019	Sep. 24, 2021
Earnings Per Share [Abstract]
Stock dividend, percent		300.00%	[1]	300.00%	300.00%	300.00%
Net Income		$ 49,857		$ 40,827	$ 37,475
Weighted Average Shares - Basic (in shares)	[2]	16,018		15,929	15,849
Earnings Per Share - Basic (in dollars per share)	[2]	$ 3.11		$ 2.56	$ 2.36
Dilutive Average Shares Attributable to Stock Options (in shares)		55		15	47
Weighted Average Shares - Diluted (in shares)	[2]	16,073		15,944	15,896
Earnings Per Share - Diluted (in dollars per share)	[2]	$ 3.10		$ 2.56	$ 2.36
[1]	Included in the shares issued for the 3% stock dividend in 2021 were treasury shares of 139,237
[2]	Share and Per Share Amounts have been restated for the September 24, 2021 3% stock dividend.

Fair Values - Recurring and Non

Fair Values - Recurring and Nonrecurring (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	$ 559,316	$ 365,287
Equity Securities	1,747	1,636
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	559,316	365,287
Equity Securities	1,747	1,636
Total Securities Measured on a Recurring Basis	561,063	366,923
Derivatives, included in other assets	2,083	5,080
Total Measured on a Recurring Basis	563,146	372,003
Derivatives, included in other liabilities	2,083	5,080
Total Measured on a Recurring Basis	2,083	5,080
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	559,316	365,287
Equity Securities	1,747	1,636
Total Securities Measured on a Recurring Basis	561,063	366,923
Derivatives, included in other assets	2,083	5,080
Total Measured on a Recurring Basis	563,146	372,003
Derivatives, included in other liabilities	2,083	5,080
Total Measured on a Recurring Basis	2,083	5,080
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	2,457	594
Gain (Loss) on Collateral Dependent Impaired Loans	0	0
Other Real Estate Owned and Repossessed Assets, Net	126	155
Gain (Loss) Other Real Estate and Repossessed Assets, Net	0	0
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	2,457	594
Other Real Estate Owned and Repossessed Assets, Net	126	155
U.S. Government & Agency Obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	65,112
U.S. Government & Agency Obligations | Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	108,365	65,112
U.S. Government & 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. Government & 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	108,365	65,112
U.S. Government & 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
State and Municipal Obligations | Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	400	528
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	400	528
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
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	298,847
Mortgage-Backed Securities | Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	449,751	298,847
Mortgage-Backed 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
Mortgage-Backed 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	449,751	298,847
Mortgage-Backed 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
Corporate and Other Debt Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	800
Corporate and Other 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 and Other 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 and Other 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 and Other 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, 2021	Dec. 31, 2020
Carrying Amount
Securities Available-for-Sale	$ 559,316	$ 365,287
Held-To-Maturity Securities, at Amortized Cost	196,566	218,405
Equity Securities	1,747	1,636
Federal Home Loan Bank and Federal Reserve Bank Stock	5,380	5,349
Deposits	3,550,497	3,234,726
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	0	17,486
Federal Home Loan Bank Term Advances	45,000	45,000
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Fair Value
Securities Available-for-Sale	559,316	365,287
Held-To-Maturity Securities	201,292	226,576
Equity Securities	1,747	1,636
Carrying Amount
Carrying Amount
Cash and Cash Equivalents	457,696	380,991
Securities Available-for-Sale	559,316	365,287
Held-To-Maturity Securities, at Amortized Cost	196,566	218,405
Equity Securities	1,747	1,636
Federal Home Loan Bank and Federal Reserve Bank Stock	5,380	5,349
Net Loans	2,640,660	2,565,798
Accrued Interest Receivable	7,384	7,495
Derivatives, included in other assets	2,083	5,080
Deposits	3,550,497	3,234,726
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase		17,486
Federal Home Loan Bank Term Advances	45,000	45,000
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Accrued Interest Payable	138	326
Derivatives, included in other liabilities	2,083	5,080
Fair Value
Securities Available-for-Sale	559,316	365,287
Equity Securities	1,747	1,636
Derivatives, included in other assets	2,083	5,080
Derivatives, included in other liabilities	2,083	5,080
Fair Value
Carrying Amount
Securities Available-for-Sale	559,316	365,287
Equity Securities	1,747	1,636
Derivatives, included in other assets	2,083	5,080
Derivatives, included in other liabilities	2,083	5,080
Fair Value
Cash and Cash Equivalents	457,696	380,991
Securities Available-for-Sale	559,316	365,287
Held-To-Maturity Securities	201,292	226,576
Equity Securities	1,747	1,636
Federal Home Loan Bank and Federal Reserve Bank Stock	5,380	5,349
Net Loans	2,618,311	2,558,903
Accrued Interest Receivable	7,384	7,495
Derivatives, included in other assets	2,083	5,080
Deposits	3,548,554	3,234,387
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase		17,486
Federal Home Loan Bank Term Advances	45,518	46,474
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Accrued Interest Payable	138	326
Derivatives, included in other liabilities	2,083	5,080
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value
Carrying Amount
Securities Available-for-Sale	0	0
Equity Securities
Derivatives, included in other assets	0	0
Derivatives, included in other liabilities	0	0
Fair Value
Cash and Cash Equivalents	457,696	380,991
Securities Available-for-Sale	0	0
Held-To-Maturity Securities	0	0
Equity Securities
Federal Home Loan Bank 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
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
Carrying Amount
Securities Available-for-Sale	559,316	365,287
Equity Securities	1,747	1,636
Derivatives, included in other assets	2,083	5,080
Derivatives, included in other liabilities	2,083	5,080
Fair Value
Cash and Cash Equivalents	0	0
Securities Available-for-Sale	559,316	365,287
Held-To-Maturity Securities	201,292	226,576
Equity Securities	1,747	1,636
Federal Home Loan Bank and Federal Reserve Bank Stock	5,380	5,349
Net Loans	0	0
Accrued Interest Receivable	7,384	7,495
Derivatives, included in other assets	2,083	5,080
Deposits	3,548,554	3,234,387
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase		17,486
Federal Home Loan Bank Term Advances	45,518	46,474
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Accrued Interest Payable	138	326
Derivatives, included in other liabilities	2,083	5,080
Significant Unobservable Inputs (Level 3) | Fair Value
Carrying Amount
Securities Available-for-Sale	0	0
Equity Securities
Derivatives, included in other assets	0	0
Derivatives, included in other liabilities	0	0
Fair Value
Cash and Cash Equivalents	0	0
Securities Available-for-Sale	0	0
Held-To-Maturity Securities	0	0
Equity Securities
Federal Home Loan Bank and Federal Reserve Bank Stock	0	0
Net Loans	2,618,311	2,558,903
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
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, 2021office
Leases [Abstract]
Number of branch offices	2
Number of leased administrative offices	1

Leases - Quantitative Lease Dat

Leases - Quantitative Lease Data (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Finance Lease Amounts:
Right-of-Use Assets	$ 4,814	$ 4,991	$ 4,814	$ 4,991
Lease Liabilities	5,169	5,217	5,169	5,217
Operating Lease Amounts:
Right-of-Use Assets	6,941	5,326	6,941	5,326
Lease Liabilities	$ 7,124	$ 5,410	$ 7,124	$ 5,410
Finance Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Premises and Equipment, Net	Premises and Equipment, Net	Premises and Equipment, Net	Premises and Equipment, Net
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other Assets	Other Assets	Other Assets	Other Assets
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other Liabilities	Other Liabilities	Other Liabilities	Other Liabilities
Cash Paid For Amounts Included In The Measurement Of Lease Liabilities:
Operating Outgoing Cash Flows From Finance Leases			$ 195	$ 196
Operating Outgoing Cash Flows From Operating Leases			794	778
Financing Outgoing Cash Flows From Finance Leases			48	37	$ 28
Right-of-Use Assets Obtained In Exchange For New Finance Lease Liabilities			0	0
Right-of-Use Assets Obtained In Exchange For New Operating Lease Liabilities			$ 2,508	$ 294
Weighted-average Remaining Lease Term - Finance Leases (Yrs.)	28 years 2 months 12 days	29 years 2 months 1 day	28 years 2 months 12 days	29 years 2 months 1 day
Weighted-average Remaining Lease Term - Operating Leases (Yrs.)	11 years 2 months 1 day	13 years 18 days	11 years 2 months 1 day	13 years 18 days
Weighted-average Discount Rate—Finance Leases	3.75%	3.75%	3.75%	3.75%
Weighted-average Discount Rate—Operating Leases	2.77%	3.28%	2.77%	3.28%
Finance Lease Cost:
Reduction in the Carrying Amount of Right-of-use assets	$ 44	$ 44	$ 177	$ 177
Interest on Lease Liabilities	49	48	195	196	$ 99
Operating Lease Cost	270	214	1,007	838
Short-term Lease Cost	19	8	47	40
Variable Lease Cost	67	39	270	204
Total Lease Cost	$ 449	$ 353	$ 1,696	$ 1,455

Leases - Future Lease Payments

Leases - Future Lease Payments on Finance and Operating Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Operating Leases
2022	$ 1,216
2023	997
2024	756
2025	694
2026	631
Thereafter	4,208
Total Undiscounted Cash Flows	8,502
Less: Net Present Value Adjustment	1,378
Lease Liability	7,124	$ 5,410
Finance Leases
2022	243
2023	243
2024	249
2025	263
2026	268
Thereafter	7,532
Total Undiscounted Cash Flows	8,798
Less: Net Present Value Adjustment	3,629
Lease Liabilities	$ 5,169	$ 5,217

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, 2021	Dec. 31, 2020
Derivative [Line Items]
Notional amount	$ 172,668	$ 176,637
Other Assets
Derivative [Line Items]
Derivatives, included in other assets	2,083	5,080
Other Liabilities
Derivative [Line Items]
Derivatives, included in other liabilities	$ 2,083	$ 5,080

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, 2021	Dec. 31, 2020
Derivative [Line Items]
Amount of hedged item	$ 20,000
Amount of gain recognized in AOCI	1,249	$ 651
Amount of gain reclassified from AOCI interest expense	$ 126	$ 0

Regulatory Matters (Details)

Regulatory Matters (Details) $ in Thousands	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Maximum Subsidiary Dividend	$ 82,700
Arrow
Actual, Amount
Total Capital (to Risk Weighted Assets)	400,661	$ 364,988
Tier I Capital (to Risk Weighted Assets)	371,556	335,756
Tier One Capital (to Average Assets)	371,556	335,756
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 351,497	$ 315,696
Actual, Ratio
Total Capital (to Risk Weighted Assets)	0.157	0.155
Tier I Capital (to Risk Weighted Assets)	0.146	0.142
Tier One Leverage Capital (to Average Assets)	0.092	0.091
Common Equity Tier 1 Capital (to Risk Weighted Assets)	0.138	0.134
Minimum Amounts For Capital Adequacy, Amount
Total Capital (to Risk Weighted Assets)	$ 267,958	$ 247,250
Tier I Capital (to Risk Weighted Assets)	216,317	200,981
Tier One Leverage Capital (to Average Assets)	161,546	147,585
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 178,296	$ 164,916
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)	$ 255,198	$ 235,476
Tier I Capital (to Risk Weighted Assets)	203,592	189,158
Tier One Leverage Capital (to Average Assets)	201,933	184,481
Common Equity Tier 1 Leverage Capital (to Risk Weighted Assets)	$ 165,560	$ 153,136
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)	$ 295,047	$ 273,801
Tier I Capital (to Risk Weighted Assets)	274,208	251,419
Tier One Capital (to Average Assets)	274,208	251,419
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 274,149	$ 251,359
Actual, Ratio
Total Capital (to Risk Weighted Assets)	0.151	0.152
Tier I Capital (to Risk Weighted Assets)	0.141	0.139
Tier One Leverage Capital (to Average Assets)	0.086	0.087
Common Equity Tier 1 Capital (to Risk Weighted Assets)	0.141	0.139
Minimum Amounts For Capital Adequacy, Amount
Total Capital (to Risk Weighted Assets)	$ 205,165	$ 189,139
Tier I Capital (to Risk Weighted Assets)	165,303	153,745
Tier One Leverage Capital (to Average Assets)	127,539	115,595
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 136,102	$ 126,584
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)	$ 195,395	$ 180,132
Tier I Capital (to Risk Weighted Assets)	155,579	144,702
Tier One Leverage Capital (to Average Assets)	159,423	144,494
Common Equity Tier 1 Leverage Capital (to Risk Weighted Assets)	$ 126,381	$ 117,542
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)	$ 90,924	$ 78,022
Tier I Capital (to Risk Weighted Assets)	83,432	71,172
Tier One Capital (to Average Assets)	83,432	71,172
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 83,432	$ 71,172
Actual, Ratio
Total Capital (to Risk Weighted Assets)	0.152	0.142
Tier I Capital (to Risk Weighted Assets)	0.139	0.130
Tier One Leverage Capital (to Average Assets)	0.098	0.089
Common Equity Tier 1 Capital (to Risk Weighted Assets)	0.139	0.130
Minimum Amounts For Capital Adequacy, Amount
Total Capital (to Risk Weighted Assets)	$ 62,809	$ 57,692
Tier I Capital (to Risk Weighted Assets)	51,020	46,536
Tier One Leverage Capital (to Average Assets)	34,054	31,987
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 42,016	$ 38,323
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)	$ 59,818	$ 54,945
Tier I Capital (to Risk Weighted Assets)	48,018	43,798
Tier One Leverage Capital (to Average Assets)	42,567	39,984
Common Equity Tier 1 Leverage Capital (to Risk Weighted Assets)	$ 39,015	$ 35,586
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, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Interest-Bearing Deposits at Banks	$ 430,718	$ 338,875
Equity Securities	1,747	1,636
Other Assets	96,579	84,735
Total Assets	4,027,952	3,688,636
LIABILITIES
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Other Liabilities	36,100	31,815
Total Liabilities	3,656,766	3,354,244
STOCKHOLDERS’ EQUITY
Total Stockholders’ Equity	371,186	334,392	$ 301,728	$ 269,584
Total Liabilities and Stockholders’ Equity	4,027,952	3,688,636
Arrow
ASSETS
Interest-Bearing Deposits at Banks	232	0
Equity Securities	1,747	1,636
Investment in Subsidiaries at Equity	377,163	341,958
Other Assets	13,061	13,294
Total Assets	392,203	356,888
LIABILITIES
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Other Liabilities	1,017	2,496
Total Liabilities	21,017	22,496
STOCKHOLDERS’ EQUITY
Total Stockholders’ Equity	371,186	334,392
Total Liabilities and Stockholders’ Equity	$ 392,203	$ 356,888

Parent Only Financial Informa_4

Parent Only Financial Information Parent Only Income Statement (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Condensed Financial Statements, Captions [Line Items]
Interest and Dividends on Investments	$ 115,550	$ 111,896	$ 109,759
Other Operating Income	1,774	3,464	1,477
Interest expense	5,195	12,694	21,710
Other Operating Expense	11,524	8,964	10,430
Provision for Income Taxes	14,547	11,036	9,600
Net Income	49,857	40,827	37,475
Arrow
Condensed Financial Statements, Captions [Line Items]
Dividends from Bank Subsidiaries	15,994	17,199	14,100
Interest and Dividends on Investments	49	49	49
Other Operating Income	664	246	1,006
Total Income	16,707	17,494	15,155
Interest expense	686	746	1,024
Other Operating Expense	879	878	875
Total Expense	1,565	1,624	1,899
Income Before Income Tax Benefit and Equity in Undistributed Net Income of Subsidiaries	15,142	15,870	13,256
Provision for Income Taxes	312	431	466
Equity in Undistributed Net Income of Subsidiaries	34,403	24,526	23,753
Net Income	$ 49,857	$ 40,827	$ 37,475

Parent Only Financial Informa_5

Parent Only Financial Information Parent Only Statement of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash Flows from Operating Activities:
Net Income	$ 49,857	$ 40,827	$ 37,475
Shares Issued Under the Directors’ Stock Plan	376	125	258
Net Cash Provided By Operating Activities	68,206	42,314	43,944
Cash Flows from Financing Activities:
Shares Issued for Stock Option Exercises, net	1,505	748	1,792
Shares Issued Under the Employee Stock Purchase Plan	481	513	493
Shares Issued for Dividend Reinvestment Plans	1,836	1,808	1,777
Purchase of Treasury Stock	(2,662)	(1,578)	(2,469)
Cash Dividends Paid	(16,296)	(15,740)	(15,206)
Net Cash Provided By Financing Activities	283,101	455,773	134,269
Net Increase (Decrease) in Cash and Cash Equivalents	76,705	310,770	(14,018)
Cash and Cash Equivalents at Beginning of Year	380,991	70,221	84,239
Cash and Cash Equivalents at End of Year	457,696	380,991	70,221
Interest on Deposits and Borrowings	5,373	13,799	20,843
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Cash Flows from Operating Activities:
Net Income	49,857	40,827	37,475
Undistributed Net Income of Subsidiaries	(34,403)	(24,526)	(23,753)
Shares Issued Under the Directors’ Stock Plan	376	125	258
Changes in Other Assets and Other Liabilities	(462)	(3,606)	(1,236)
Net Cash Provided By Operating Activities	15,368	12,820	12,744
Cash Flows from Financing Activities:
Shares Issued for Stock Option Exercises, net	1,505	748	1,792
Shares Issued Under the Employee Stock Purchase Plan	481	513	493
Shares Issued for Dividend Reinvestment Plans	1,836	1,808	1,777
Purchase of Treasury Stock	(2,662)	(1,578)	(2,469)
Cash Dividends Paid	(16,296)	(15,740)	(15,206)
Net Cash Provided By Financing Activities	(15,136)	(14,249)	(13,613)
Net Increase (Decrease) in Cash and Cash Equivalents	232	(1,429)	(869)
Cash and Cash Equivalents at Beginning of Year	0	1,429	2,298
Cash and Cash Equivalents at End of Year	232	0	1,429
Interest on Deposits and Borrowings	$ 686	$ 746	$ 1,024