Arrow Financial (AROW) 10-K 17 Jul 23 2022 FY Annual report Financial data

Cover Page

Cover Page - USD ($)	12 Months Ended
	Dec. 31, 2022	Jun. 30, 2023	Jun. 30, 2022
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2022
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	No
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			$ 508,555,420
Entity Common Stock, Shares Outstanding (in shares)		16,553,058
Documents Incorporated by Reference	N/A
Auditor Name	KPMG LLP
Auditor Location	Albany, New York
Auditor Firm ID	185
Entity Central Index Key	0000717538
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	FY
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
ASSETS
Cash and Due From Banks	$ 31,886	$ 26,978
Interest-Bearing Deposits at Banks	32,774	430,718
Investments, Debt and Equity Securities [Abstract]
Available-for-Sale	573,495	559,316
Held-to-Maturity (Approximate Fair Value of $171,623 at December 31, 2022, and $201,292 at December 31, 2021)	175,364	196,566
Equity Securities	2,174	1,747
Other Investments	6,064	5,380
Loans	2,983,207	2,667,941
Allowance for Credit Losses	(29,952)	(27,281)
Net Loans	2,953,255	2,640,660
Premises and Equipment, Net	56,491	46,217
Goodwill	21,873	21,873
Other Intangible Assets, Net	1,500	1,918
Other Assets	114,633	96,579
Total Assets	3,969,509	4,027,952
LIABILITIES
Noninterest-Bearing Deposits	836,871	810,274
Interest-Bearing Checking Accounts	997,694	994,391
Savings Deposits	1,454,364	1,531,287
Time Deposits over $250,000	76,224	82,811
Other Time Deposits	133,211	131,734
Total Deposits	3,498,364	3,550,497
Federal Home Loan Bank Overnight Advances	27,000	0
Federal Home Loan Bank Term Advances	27,800	45,000
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Finance Leases	5,119	5,169
Other Liabilities	37,688	36,100
Total Liabilities	3,615,971	3,656,766
STOCKHOLDERS’ EQUITY
Preferred Stock, $1 Par Value, 1,000,000 Shares Authorized	0	0
Common Stock, $1 Par Value; 30,000,000 Shares Authorized (21,423,992 Shares Issued at December 31, 2022, and 20,800,144 Shares Issued at December 31, 2021)	21,424	20,800
Additional Paid-in Capital	400,270	377,996
Retained Earnings	65,401	54,078
Accumulated Other Comprehensive (Loss) Income	(49,655)	347
Treasury Stock, at Cost (4,872,355 Shares at December 31, 2022, and 4,759,414 Shares at December 31, 2021)	(83,902)	(82,035)
Total Stockholders’ Equity	353,538	371,186
Total Liabilities and Stockholders’ Equity	$ 3,969,509	$ 4,027,952

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Statement of Financial Position [Abstract]
Held-To-Maturity Securities, at Fair Value	$ 171,623	$ 201,292
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)	21,423,992	20,800,144
Treasury Stock, Shares (in shares)	4,872,355	4,759,414

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
INTEREST AND DIVIDEND INCOME
Interest and Fees on Loans		$ 112,982	$ 104,985	$ 100,492
Interest on Deposits at Banks		3,100	565	321
Interest and Dividends on Investment Securities:
Fully Taxable		10,357	6,487	7,131
Exempt from Federal Taxes		3,212	3,513	3,952
Total Interest and Dividend Income		129,651	115,550	111,896
INTEREST EXPENSE
Interest-Bearing Checking Accounts		973	731	1,292
Savings Deposits		7,879	1,904	5,090
Time Deposits over $250,000		369	261	1,465
Other Time Deposits		604	632	2,782
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase		0	3	60
Federal Home Loan Bank Advances		605	783	1,063
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts		685	686	746
Interest on Financing Leases		193	195	196
Total Interest Expense		11,308	5,195	12,694
NET INTEREST INCOME		118,343	110,355	99,202
Provision for Credit Losses		4,798	272	9,319
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES		113,545	110,083	89,883
NONINTEREST INCOME
Insurance Commissions		6,463	6,487	6,876
Net Gain (Loss) on Securities		427	111	(464)
Net Gain on Sales of Loans		83	2,393	3,889
Other Operating Income		2,588	1,774	3,464
Total Noninterest Income		30,898	32,369	32,658
NONINTEREST EXPENSE
Salaries and Employee Benefits		47,003	44,798	42,061
Occupancy Expenses, Net		6,202	5,814	5,614
Technology and Equipment Expense		16,118	14,870	12,976
FDIC Assessments		1,176	1,042	1,063
Other Operating Expense		11,031	11,524	8,964
Total Noninterest Expense		81,530	78,048	70,678
INCOME BEFORE PROVISION FOR INCOME TAXES		62,913	64,404	51,863
Provision for Income Taxes		14,114	14,547	11,036
NET INCOME		$ 48,799	$ 49,857	$ 40,827
Average Shares Outstanding:
Basic (in shares)	[1]	16,513	16,499	16,406
Diluted (in shares)	[1]	16,562	16,555	16,422
Per Common Share:
Basic Earnings (in dollars per share)	[1]	$ 2.95	$ 3.02	$ 2.49
Diluted Earnings (in dollars per share)	[1]	$ 2.95	$ 3.01	$ 2.49
Fiduciary and Trust
NONINTEREST INCOME
Revenue from contract with customer		$ 9,711	$ 10,142	$ 8,890
Deposit Account
NONINTEREST INCOME
Revenue from contract with customer		$ 11,626	$ 11,462	$ 10,003
[1]Share and Per Share Amounts have been restated for the September 23, 2022 3% stock dividend.

Consolidated Statements of In_2

Consolidated Statements of Income (Parenthetical)	Dec. 31, 2022		Sep. 23, 2022	Dec. 31, 2021	Dec. 31, 2020
Income Statement [Abstract]
Stock dividend, percent	300%	[1]	300%	300%	300%
[1]Included in the shares issued for the 3% stock dividend in 2022 were treasury shares of 142,746

Consolidated Statement of Compr

Consolidated Statement of Comprehensive (Loss) Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Statement of Comprehensive Income [Abstract]
Net Income	$ 48,799	$ 49,857	$ 40,827
Other Comprehensive (Loss) Income, Net of Tax:
Unrealized Net Securities Holding (Losses) Gains Arising During the Year	(48,227)	(6,413)	5,306
Reclassification Adjustment for Net Securities Losses Arising During the Year	0	0	28
Net Unrealized Gains on Cash Flow Hedge Agreements	2,582	929	485
Reclassification of Net Unrealized Loss (Gain) on Cash Flow Hedge Agreements to Interest Expense	152	(94)	0
Net Retirement Plan (Loss) Gain	(5,147)	6,500	(251)
Net Retirement Plan Prior Service Cost	0	0	(353)
Settlement Cost	428	0	0
Amortization of Net Retirement Plan Actuarial Loss	41	68	169
Amortization of Net Retirement Plan Prior Service Cost	169	173	157
Other Comprehensive (Loss) Income	(50,002)	1,163	5,541
Comprehensive (Loss) Income	$ (1,203)	$ 51,020	$ 46,368

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 Stock Cumulative Effect, Period of Adoption, Adjusted Balance	Additional Paid-In Capital	Additional Paid-In Capital Cumulative Effect, Period of Adoption, Adjusted Balance	Retained Earnings		Retained Earnings Cumulative Effect, Period of Adoption, Adjustment	Retained Earnings Cumulative 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 Stock Cumulative Effect, Period of Adoption, Adjusted Balance
Beginning balance at Dec. 31, 2019		$ 301,728				$ 19,606		$ 335,355		$ 33,218				$ (6,357)		$ (80,094)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income		40,827								40,827
Other Comprehensive Loss		5,541												5,541
Stock Dividend		0	[1]			588		15,818		(16,406)	[1]
Cash Dividends Paid		(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	(816)	$ (816)	(80,547)	$ (80,547)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting Standards Update [Extensible List]		Accounting Standards Update 2016-13 [Member]
Net Income		$ 49,857								49,857
Other Comprehensive Loss		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				347		(82,035)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income		48,799								48,799
Other Comprehensive Loss		(50,002)												(50,002)
Stock Dividend	[2]	0				624		19,408		(20,032)
Cash Dividends Paid	[1]	(17,444)								(17,444)
Shares Issued for Stock Option Exercises, net		631						384								247
Shares Issued Under the Directors' Stock Plan		408						295								113
Shares Issued Under the Employee Stock Purchase Plan		477						344								133
Shares Issued for Dividend Reinvestment Plans		1,904						1,392								512
Stock-Based Compensation Expense		451						451
Purchases of Treasury Stock		(2,872)														(2,872)
Ending balance at Dec. 31, 2022		$ 353,538				$ 21,424		$ 400,270		$ 65,401				$ (49,655)		$ (83,902)
[1]Cash dividends paid per share have been adjusted for the September 23, 2022 3% stock dividend.[2]Included in the shares issued for the 3% stock dividend in 2022 were treasury shares of 142,746

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares		12 Months Ended
		Dec. 31, 2022		Dec. 31, 2021	Dec. 31, 2020
Statement of Stockholders' Equity [Abstract]
Stock dividend, percent		300%	[1]	300%	300%
Stock dividends (in shares)		623,848	[1]	605,670	588,025
Cash Dividends Paid (in dollars per share)	[2]	$ 1.06		$ 0.99	$ 0.96
Shares Issued for Stock Option Exercises, net (in shares)		28,052		54,757	33,112
Shares Issued Under Directors Stock Plan (in shares)		12,933		11,051	4,245
Shares Issued Under the Employee Stock Purchase Plan (in shares)		15,207		14,903	18,286
Shares Issued for Dividend Reinvestment Plans (in shares)		57,745		51,403	63,425
Purchase of Treasury Stock (in shares)		84,132		73,555	52,505
Treasury Stock, Shares (in shares)		4,872,355		4,759,414
[1]Included in the shares issued for the 3% stock dividend in 2022 were treasury shares of 142,746[2]Cash dividends paid per share have been adjusted for the September 23, 2022 3% stock dividend.

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Cash Flows from Operating Activities:
Net Income	$ 48,799	$ 49,857	$ 40,827
Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities:
Provision for Credit Losses	4,798	272	9,319
Depreciation and Amortization	7,548	7,826	6,867
Loss on the Sale of Securities Available-for-Sale	0	0	37
Net (Gain) Loss on Equity Securities	(427)	(111)	427
Loans Originated and Held-for-Sale	(799)	(48,720)	(94,773)
Proceeds from the Sale of Loans Held-for-Sale	1,380	61,044	87,729
Net Gains on the Sale of Loans	(83)	(2,393)	(3,889)
Net Gains (Losses) on the Sale or Write-down of Premises and Equipment,     Other Real Estate Owned and Repossessed Assets	167	277	(161)
Contributions to Pension & Postretirement Plans	(741)	(622)	(673)
Deferred Income Tax (Benefit) Expense	(1,252)	945	(2,240)
Shares Issued Under the Directors’ Stock Plan	408	376	125
Stock-Based Compensation Expense	451	414	420
Tax Benefit from Exercise of Stock Options	34	69	52
Net Increase in Other Assets	(1,427)	(5,065)	(2,339)
Net Increase in Other Liabilities	857	4,037	586
Net Cash Provided By Operating Activities	59,713	68,206	42,314
Cash Flows from Investing Activities:
Proceeds from the Sale of Securities Available-for-Sale	0	0	65,273
Proceeds from the Maturities and Calls of Securities Available-for-Sale	104,120	118,330	104,941
Purchases of Securities Available-for-Sale	(184,785)	(323,372)	(173,234)
Proceeds from the Maturities and Calls of Securities Held-to-Maturity	32,068	30,561	33,896
Purchases of Securities Held-to-Maturity	(11,459)	(9,377)	(7,953)
Net Increase in Loans	(319,547)	(85,123)	(200,554)
Proceeds from the Sales of Premises and Equipment, Other    Real Estate Owned and Repossessed Assets	1,475	1,547	2,478
Purchase of Premises and Equipment	(14,250)	(7,137)	(5,132)
Net (Increase) Decrease in Federal Home Loan Bank Stock	(684)	(31)	4,968
Purchase of Bank Owned Life Insurance	0	0	(12,000)
Net Cash Used In Investing Activities	(393,062)	(274,602)	(187,317)
Cash Flows from Financing Activities:
Net (Decrease) Increase in Deposits	(52,133)	315,771	618,672
Net Increase (Decrease) in Short-Term Federal Home Loan Bank Borrowings	27,000	0	(130,000)
Net Decrease in Short-Term Borrowings	0	(17,486)	(33,613)
Federal Home Loan Bank Advances	0	0	45,000
Finance Lease Payments	(50)	(48)	(37)
Repayments of Federal Home Loan Bank Advances	(17,200)	0	(30,000)
Purchase of Treasury Stock	(2,872)	(2,662)	(1,578)
Shares Issued for Stock Option Exercises, net	631	1,505	748
Shares Issued Under the Employee Stock Purchase Plan	477	481	513
Shares Issued for Dividend Reinvestment Plans	1,904	1,836	1,808
Cash Dividends Paid	(17,444)	(16,296)	(15,740)
Net Cash (Used) Provided By Financing Activities	(59,687)	283,101	455,773
Net (Decrease) Increase in Cash and Cash Equivalents	(393,036)	76,705	310,770
Cash and Cash Equivalents at Beginning of Year	457,696	380,991	70,221
Cash and Cash Equivalents at End of Year	64,660	457,696	380,991
Supplemental Disclosures to Statements of Cash Flow Information:
Interest on Deposits and Borrowings	5,752	5,373	13,799
Income Taxes	13,018	14,760	10,969
Non-cash Investing and Financing Activity:
Transfer of Loans to Other Real Estate Owned and Repossessed Assets	$ 1,656	$ 1,358	$ 1,000

Risks and Uncertainties

Risks and Uncertainties	12 Months Ended
	Dec. 31, 2022
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 fund, 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 - With the exception of some indirect auto lending, Arrow's loans are primarily 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. Liquidity - The objective of effective liquidity management is to ensure that Arrow has the ability to raise cash when needed at a reasonable cost. This includes the capability of meeting expected and unexpected obligations to Arrow's customers at any time. Given the uncertain nature of customer demands and the need to maximize earnings, Arrow must have available reasonably priced sources of funds, both on- and off-balance sheet, that can be accessed quickly in times of need. Arrow’s liquidity position should provide the Company with the necessary flexibility to address any unexpected near-term disruptions such as reduced cash flows from the investment and loan portfolio, unexpected deposit runoff, or increased loan originations. Arrow's primary sources of available liquidity are overnight investments in federal funds sold, interest bearing bank balances at the Federal Reserve Bank of New York, and cash flow from investment securities and loans.

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2022
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 had an interest rate of 1% and included an origination and servicing fee as a result of originating these loans. The original term on the PPP loans was two years, however the borrower had 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. As of December 31, 2022, there were no PPP loans outstanding. 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 adjustment to the loss rate for each vintage is 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. 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 were offset by actual loan charge-offs (net of any recoveries). The loan portfolio was evaluated for potential charge-offs on a monthly basis. In general, automobile and other consumer loans were charged-off when 120 days delinquent. Residential real estate loans were 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 were evaluated early in their delinquency status and were charged-off when management concluded that not all principal would be repaid from on-going cash flows or liquidation of collateral. An evaluation of estimated proceeds from the liquidation of the loan’s collateral was compared to the loan carrying amount and a charge to the allowance for loan losses was taken for any deficiency. While management used available information to recognize losses on loans, future additions to the allowance could have been 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, reviewed Arrow's allowance for loan losses. Such agencies could have required 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 have been currently available to management. All nonaccrual loans over $250 thousand and all troubled debt restructured loans were considered to be impaired loans and these loans were evaluated individually to determine the amount of impairment, if any. The amount of impairment, if any, related to individual impaired loans was 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 was collateral dependent. Arrow determined 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, was typically charged off. For impaired loans which were not collateral dependent, impairment was 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 was less than the recorded investment in the loan, an impairment reserve was 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 might have been charged off. The allowance for loan losses on the remaining loans was 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 was incurred on a loan to the point at which the loss was recognized in the financial statements. Since the LEP might have changed under various economic environments, the LEP calculation was 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 was 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. 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. 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 no

Cash and Cash Equivalents

Cash and Cash Equivalents	12 Months Ended
	Dec. 31, 2022
Cash and Cash Equivalents [Abstract]
Cash and Cash Equivalents	CASH AND CASH EQUIVALENTS (Dollars In Thousands) 2022 2021 Balances at December 31: Cash and Due From Banks $ 31,886 $ 26,978 Interest-Bearing Deposits at Banks 32,774 430,718 Total Cash and Cash Equivalents $ 64,660 $ 457,696 Decline in cash from the prior year was primarily the result of record loan growth of $315 million and a decrease in deposits of $52 million.

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2022
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, 2022 and 2021: Available-For-Sale Securities U.S. Government & Agency State and Mortgage- Corporate Total December 31, 2022 Available-For-Sale Securities, $ 190,000 $ 340 $ 447,755 $ 1,000 $ 639,095 Gross Unrealized Gains 15 — 65 — 80 Gross Unrealized Losses (14,816) — (50,664) (200) (65,680) Available-For-Sale Securities, $ 175,199 $ 340 $ 397,156 $ 800 $ 573,495 Available-For-Sale Securities, 308,266 Maturities of Debt Securities, Within One Year — 20 690 — 710 From 1 - 5 Years 190,000 — 241,322 — 431,322 From 5 - 10 Years — 320 205,743 1,000 207,063 Over 10 Years — — — — — Maturities of Debt Securities, Within One Year — 20 667 — 687 From 1 - 5 Years 175,199 — 222,112 — 397,311 From 5 - 10 Years — 320 174,377 800 175,497 Over 10 Years — — — — — Securities in a Continuous Less than 12 Months $ 66,690 $ — $ 183,868 $ — $ 250,558 12 Months or Longer 93,493 — 199,262 800 293,555 Total $ 160,183 $ — $ 383,130 $ 800 $ 544,113 Number of Securities in a 23 — 150 1 174 Unrealized Losses on Less than 12 Months $ 3,310 $ — $ 18,756 $ — $ 22,066 12 Months or Longer 11,506 — 31,908 200 43,614 Total $ 14,816 $ — $ 50,664 $ 200 $ 65,680 Disaggregated Details: US Agency Obligations, 190,000 US Agency Obligations, 175,199 US Government Agency $ 7,934 US Government Agency 7,433 Government Sponsored Entity 439,821 Government Sponsored Entity 389,723 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 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 At December 31, 2022, 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, 2022 and 2021: Held-To-Maturity Securities State and Mortgage- Total December 31, 2022 Held-To-Maturity Securities, $ 163,600 $ 11,764 $ 175,364 Gross Unrealized Gains 1 — 1 Gross Unrealized Losses (3,131) (611) (3,742) Held-To-Maturity Securities, $ 160,470 $ 11,153 $ 171,623 Held-To-Maturity Securities, 142,982 Maturities of Debt Securities, Within One Year 52,522 — 52,522 From 1 - 5 Years 108,233 11,764 119,997 From 5 - 10 Years 2,806 — 2,806 Over 10 Years 39 — 39 Maturities of Debt Securities, Within One Year 52,233 — 52,233 From 1 - 5 Years 105,414 11,153 116,567 From 5 - 10 Years 2,784 — 2,784 Over 10 Years 39 — 39 Securities in a Continuous Less than 12 Months $ 137,773 $ 11,153 $ 148,926 12 Months or Longer — — — Total $ 137,773 $ 11,153 $ 148,926 Number of Securities in a 397 16 413 Unrealized Losses on Securities Less than 12 Months $ 3,131 $ 611 $ 3,742 12 Months or Longer — — — Total $ 3,131 $ 611 $ 3,742 Disaggregated Details: US Government Agency 3,898 US Government Agency 3,687 Government Sponsored Entity 7,866 Government Sponsored Entity 7,466 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 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 In the tables above, maturities of mortgage-backed securities are included based on their contractual 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, 2022 and December 31, 2021 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, 2022, 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, 2022 and there was no credit loss expense recognized by Arrow with respect to the securities portfolio during 2022. Arrow's held to maturity debt securities are comprised of securities issued by U.S. government agencies or 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, 2022. The following table is the schedule of Equity Securities at December 31, 2022 and 2021. Equity Securities December 31, 2022 2021 Equity Securities, at Fair Value $ 2,174 $ 1,747 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, 2022 and 2021: December 31, 2022 2021 Net Gain (Loss) on Equity Securities $ 427 $ 111 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 $ 427 $ 111 Schedule of Federal Reserve Bank and Federal Home Loan Bank Stock (at cost) December 31, 2022 2021 Federal Reserve Bank Stock $ 1,180 $ 1,161 Federal Home Loan Bank Stock 4,884 4,219 Total Federal Reserve Bank and Federal Home Loan Bank Stock $ 6,064 $ 5,380

Loans

Loans	12 Months Ended
	Dec. 31, 2022
Receivables [Abstract]
Loans	LOANS (Dollars In Thousands) Loan Categories and Past Due Loans The following table presents loan balances outstanding as of December 31, 2022 and December 31, 2021 and an analysis of the recorded investment in loans that are past due at these dates. Loans held-for-sale of $656 and $1,154 as of December 31, 2022, and December 31, 2021, 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, 2022 Loans Past Due 30-59 Days $ 48 $ 370 $ 13,657 $ 1,833 $ 15,908 Loans Past Due 60-89 Days 33 — 4,517 112 4,662 Loans Past Due 90 or More Days 44 — 3,503 4,790 8,337 Total Loans Past Due 125 370 21,677 6,735 28,907 Current Loans 140,168 706,652 1,043,458 1,064,022 2,954,300 Total Loans $ 140,293 $ 707,022 $ 1,065,135 $ 1,070,757 $ 2,983,207 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 Schedule of Non Accrual Loans by Category Commercial December 31, 2022 Commercial Real Estate Consumer Residential Total Loans 90 or More Days Past Due $ 44 $ — $ — $ 1,113 $ 1,157 Nonaccrual Loans 8 3,110 3,503 4,136 10,757 Nonaccrual With No Allowance for Credit Loss 8 3,110 3,503 4,136 10,757 Interest Income on Nonaccrual Loans — — — 5 5 December 31, 2021 Loans 90 or More Days Past Due $ 157 $ — $ — $ 666 $ 823 Nonaccrual Loans 34 7,243 1,697 1,790 10,764 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. Schedule of Supplemental Loan Information 2022 2021 Supplemental Information : Unamortized deferred loan origination costs, net of deferred loan $ 6,774 $ 5,179 Overdrawn deposit accounts, included in the above balances 298 182 Pledged loans under a blanket collateral agreement to secure borrowings from the Federal Home Loan Bank of New York 663,259 778,902 Residential real estate loans serviced for Freddie Mac, not included 195,133 215,209 Allowance for Credit Losses Loan segments were selected by call 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, 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. The December 31, 2022 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 an increase of approximately 0.3% in the national unemployment rate during the six-quarter forecast period, while forecasted gross domestic product declined approximately 0.5%. The home price index forecast increased approximately 3.5% 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 2022 was $4.8 million. Management's evaluation considers the allowance for credit losses for loans to be appropriate as of December 31, 2022. The following table details activity in the allowance for credit losses on loans for the twelve months ended December 31, 2022 and December 31, 2021 Allowance for Credit Losses Commercial Commercial Real Estate Consumer Residential Total Rollforward of the Allowance for Credit Losses for the Year Ended: December 31, 2021 $ 2,298 $ 13,136 $ 2,402 $ 9,445 $ 27,281 Charge-offs (34) — (4,079) (30) (4,143) Recoveries 43 — 1,973 — 2,016 Provision (346) 2,077 2,289 778 4,798 December 31, 2022 $ 1,961 $ 15,213 $ 2,585 $ 10,193 $ 29,952 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 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. Changes in the allowance are reflected in other operating expenses within the non-interest expense category. As of December 31, 2022, 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, 2022, there were five total relationships identified to be evaluated for loss on an individual basis which had an amortized cost basis of $5.1 million and none had an allowance for credit loss. The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2022 and December 31, 2021: December 31, 2022 Collateral Type -Residential Real Estate Collateral Type - Commercial Real Estate Total Loans Commercial $ — $ — $ — Commercial Real Estate — 3,110 3,110 Consumer — — — Residential 1,963 — 1,963 Total $ 1,963 $ 3,110 $ 5,073 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 Allowance for Credit Losses - Collectively and Individually Evaluated Commercial Commercial Real Estate Consumer Residential Total December 31, 2022 Ending Loan Balance - Collectively Evaluated $ 140,293 $ 703,912 $ 1,065,135 $ 1,068,794 $ 2,978,134 Allowance for Credit Losses - Loans Collectively Evaluated 1,961 15,213 2,585 10,193 29,952 Ending Loan Balance - Individually Evaluated — 3,110 — 1,963 5,073 Allowance for Credit Losses - Loans Individually Evaluated — — — — — Commercial Commercial Real Estate Consumer Residential Total December 31, 2021 Ending Loan Balance - Collectively Evaluated for Impairment $ 172,518 $ 622,197 $ 920,556 $ 945,265 $ 2,660,536 Allowance for Loan Losses - Loans Collectively Evaluated for Impairment 2,298 12,537 2,402 9,445 $ 26,682 Ending Loan Balance - Individually Evaluated for Impairment — 6,732 — 673 7,405 Allowance for Loan Losses - Loans Individually Evaluated for Impairment — 599 — — 599 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, 2022 and December 31, 2021: Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total December 31, 2022 2022 2021 2020 2019 2018 Prior Commercial: Risk rating Satisfactory $ 42,038 $ 28,718 $ 16,870 $ 7,857 $ 8,129 $ 20,379 $ 8,909 $ — $ 132,900 Special mention — — — — — 30 30 — 60 Substandard — — 255 478 — 3,464 3,136 — 7,333 Doubtful — — — — — — — — — Total Commercial Loans $ 42,038 $ 28,718 $ 17,125 $ 8,335 $ 8,129 $ 23,873 $ 12,075 $ — $ 140,293 Commercial Real Estate: Risk rating Satisfactory $ 152,858 $ 115,111 $ 121,811 $ 43,647 $ 63,913 $ 159,876 $ 1,603 $ — $ 658,819 Special mention 9,678 — — — 789 241 — — 10,708 Substandard 607 — 5,807 812 4,371 25,677 221 — 37,495 Doubtful — — — — — — — — — Total Commercial Real Estate Loans $ 163,143 $ 115,111 $ 127,618 $ 44,459 $ 69,073 $ 185,794 $ 1,824 $ — $ 707,022 Consumer: Risk rating Performing $ 482,530 $ 284,831 $ 154,819 $ 88,165 $ 38,852 $ 12,032 $ 504 $ — $ 1,061,733 Nonperforming 758 1,468 607 325 157 87 — — 3,402 Total Consumer Loans $ 483,288 $ 286,299 $ 155,426 $ 88,490 $ 39,009 $ 12,119 $ 504 $ — $ 1,065,135 Residential: Risk rating Performing $ 210,565 $ 198,195 $ 128,372 $ 82,965 $ 74,281 $ 259,787 $ 111,563 $ — $ 1,065,728 Nonperforming — 255 939 597 520 2,311 407 — 5,029 Total Residential Loans $ 210,565 $ 198,450 $ 129,311 $ 83,562 $ 74,801 $ 262,098 $ 111,970 $ — $ 1,070,757 Total Loans $ 899,034 $ 628,578 $ 429,480 $ 224,846 $ 191,012 $ 483,884 $ 126,373 $ — $ 2,983,207 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 $3.2 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. 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, 2022 Number of Loans — — 3 — 3 Pre-Modification Outstanding Recorded Investment $ — $ — $ 28 $ — $ 28 Post-Modification Outstanding Recorded Investment — — 28 — 28 Subsequent Default, Number of Contracts — — — — — Subsequent Default, Recorded Investment — — — — — Commitments to lend additional funds to modified loans — — — — — 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 — — — — —

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2022
Property, Plant and Equipment [Abstract]
Premises and Equipment	PREMISES AND EQUIPMENT (Dollars In Thousands) A summary of premises and equipment at December 31, 2022 and 2021 is presented below: 2022 2021 Land and Bank Premises $ 41,295 $ 40,848 Equipment, Furniture and Fixtures 50,962 38,496 Leasehold Improvements 5,083 4,410 Total Cost 97,340 83,754 Accumulated Depreciation and Amortization (45,486) (42,351) Net Owned Premises and Equipment 51,854 41,403 Leased Assets (see Note 18) 4,637 4,814 Net Premises and Equipment $ 56,491 $ 46,217

Other Intangible Assets

Other Intangible Assets	12 Months Ended
	Dec. 31, 2022
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, 2022, 2021 and 2020: Depositor Mortgage Servicing Rights 1 Customer Intangibles 2 Total Gross Carrying Amount, December 31, 2022 $ 2,247 $ 3,296 $ 4,382 $ 9,925 Accumulated Amortization (2,247) (2,511) (3,667) (8,425) Net Carrying Amount, December 31, 2022 $ — $ 785 $ 715 $ 1,500 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 Rollforward of Intangible Assets: 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 Intangible Assets Acquired — 10 — 10 Intangible Assets Disposed — — — — Amortization of Intangible Assets — (235) (193) (428) Balance, December 31, 2022 $ — $ 785 $ 715 $ 1,500 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, 2022: Mortgage Customer Intangibles Total Estimated Annual Amortization Expense: 2023 $ 215 $ 176 $ 391 2024 206 155 361 2025 195 107 302 2026 144 89 233 2027 25 72 97 2028 and beyond — 116 116 Total $ 785 $ 715 $ 1,500

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2022
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, 2022 and 2021: Balance at December 31, 2022 2021 Notional Amount: Commitments to Extend Credit $ 424,197 $ 402,280 Standby Letters of Credit 3,627 3,223 Fair Value: Commitments to Extend Credit $ — $ — Standby Letters of Credit 2 24 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, 2022 and 2021 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, 2022 and 2021 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.

Time Deposits

Time Deposits	12 Months Ended
	Dec. 31, 2022
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, 2022: Year of Maturity Total Time 2023 $ 145,253 2024 42,462 2025 13,166 2026 4,263 2027 4,291 2028 and beyond — Total $ 209,435

Debt

Debt	12 Months Ended
	Dec. 31, 2022
Debt Disclosure [Abstract]
Debt	DEBT (Dollars in Thousands) Schedule of Short-Term Borrowings: 2022 2021 Balances at December 31: Overnight Advances from the Federal Home Loan Bank of New York 27,000 — Total Short-Term Borrowings $ 27,000 $ — Maximum Borrowing Capacity at December 31: Federal Funds Purchased $ 52,000 $ 52,000 Federal Home Loan Bank of New York 663,259 778,902 Federal Reserve Bank of New York 649,112 594,034 Available Borrowing Capacity at December 31: Federal Funds Purchased $ 52,000 $ 52,000 Federal Home Loan Bank of New York 608,458 733,902 Federal Reserve Bank of New York 649,112 594,034 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 and any loans secured by real estate such as commercial real estate, residential real estate and home equity loans (see Notes 4: Investment Securities, and 5: Loans to the Consolidated Financial Statements). The maximum borrowing capacities at the FHLBNY and FRB are determined based on the fair value of the collateral pledged, subject to discounts determined by the respective lenders. As of December 31, 2022, the carrying cost for the FHLBNY collateral was approximately $899 million and approximately $939 million for the FRB. As of December 31, 2022, the fair value for the FHLBNY collateral was approximately $800 million and approximately $890 million for the FRB. 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 2022 2021 2022 2021 First Year $ 27,800 $ 5,000 2.70 % 1.81 % Second Year — 20,000 — % 1.75 % Third Year — 20,000 — % 1.76 % Fourth Year — — — % — % Fifth Year — — — % — % Total $ 27,800 $ 45,000 2.70 % 1.77 % Long Term Debt - Guaranteed Preferred Beneficial Interests in Corporation's Junior Subordinated Debentures During 2022, 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%. Arrow designated SOFR as the replacement index for financial instruments. The rate on the securities will be tied to the 3-month SOFR plus 3.15% post-conversation. 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%. The rate on the securities will be tied to the 3-month SOFR plus 2.00% post-conversation. 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, 2022, 2021 and 2020 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. Arrow's recent failure to timely file this Annual Report on Form 10-K and the Quarterly Report on Form 10-Q for the quarter ended March 31, 2023, and deliver such reports to the trustee would represent a default under the indenture if the the Trustee or the holders of at least 25% of the aggregate principal amount of the outstanding securities delivered such a notice. If the trustee delivers a notice of default, Arrow will have 30 days to remedy the default or else it will constitute an event of default under the indenture. The trustee has not provided a notice as of the date hereof. Schedule of Guaranteed Preferred Beneficial Interests in Corporation's Junior Subordinated Debentures 2022 2021 ACST II Balance at December 31, $ 10,000 $ 10,000 Period End: Variable Interest Rate 6.82 % 3.28 % 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 5.67 % 2.13 % 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, 2022
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Comprehensive Income (Loss), Net of Tax	COMPREHENSIVE (LOSS) INCOME, NET OF TAX (Dollars In Thousands) The following table presents the components of other comprehensive (loss) income for the years ended December 31, 2022, 2021 and 2020: Schedule of Comprehensive (Loss) Income Before-Tax Tax Net-of-Tax 2022 Net Unrealized Securities Holding Losses Arising During the Period $ (64,774) 16,547 (48,227) Net Unrealized Gains on Cash Flow Swap 3,467 (885) 2,582 Reclassification of Net Unrealized Loss on Cash Flow Hedge Agreements to Interest Expense 204 (52) 152 Net Retirement Plan Loss (6,938) 1,791 (5,147) Settlement Cost 577 (149) 428 Amortization of Net Retirement Plan Actuarial Loss 56 (15) 41 Amortization of Net Retirement Plan Prior Service Cost 228 (59) 169 Other Comprehensive Loss $ (67,180) $ 17,178 $ (50,002) 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 Cash Flow Hedge Agreements to Interest Expense (126) 32 (94) Net Retirement Plan Loss 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 Loss (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 The following table presents the changes in accumulated other comprehensive (loss) income by component: Changes in Accumulated Other Comprehensive (Loss) 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, 2021 $ (614) $ 1,320 $ 639 $ (998) $ 347 Other comprehensive (loss) income before reclassifications (48,227) 2582 (5,147) 428 (50,364) Amounts reclassified from accumulated other comprehensive (loss) income — 152 41 169 362 Net current-period other comprehensive (loss) income (48,227) 2,734 (5,106) 597 (50,002) December 31, 2022 $ (48,841) $ 4,054 $ (4,467) $ (401) $ (49,655) December 31, 2020 $ 5,799 $ 485 $ (5,929) $ (1,171) $ (816) Other comprehensive (loss) income before reclassifications (6,413) 929 6,500 — 1,016 Amounts reclassified from accumulated other comprehensive income — (94) 68 173 147 Net current-period other comprehensive income (loss) (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 (loss) 28 — 169 157 354 Net current-period other comprehensive income 5,334 485 (82) (196) 5,541 December 31, 2020 $ 5,799 $ 485 $ (5,929) $ (1,171) $ (816) (1) All amounts are net of tax. Amounts in parentheses indicate debits. The following table presents the reclassifications out of accumulated other comprehensive income (loss) Reclassifications Out of Accumulated Other Comprehensive Income (Loss) (1) Amounts Reclassified Details about Accumulated Other from Accumulated Other Affected Line Item in the Statement Comprehensive Income (Loss) Components Comprehensive Income (Loss) Where Net Income Is Presented For the Year-to-date periods ended: December 31, 2022 Reclassification of Net Unrealized Gain on Cash Flow Hedge Agreements to Interest Expense $ (204) Interest expense Amortization of defined benefit pension items Prior-service credit (228) (2) Salaries and Employee Benefits Actuarial Loss (56) (2) Salaries and Employee Benefits (488) Total before tax 126 Provision for Income Taxes Total reclassifications for the period $ (362) Net of tax December 31, 2021 Reclassification of Net Unrealized Gain on Cash Flow Hedge Agreements to Interest Expense 126 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 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 (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, 2022
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 23, 2022 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 December 31, 2022 463,500 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, 2022. Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at January 1, 2022 278,899 $ 27.62 Granted 58,710 $ 34.79 Exercised (28,571) $ 22.08 Forfeited (29,988) $ 30.21 Outstanding at December 31, 2022 279,050 $ 29.41 6.36 $ 1,250 Vested at Period-End 156,388 $ 27.63 4.96 $ 979 Expected to Vest 122,662 $ 31.68 8.14 $ 272 The following is the Schedule of Stock Options Granted Under the Long Term Incentive Plan by Exercise Price Range. Exercise Price Ranges $18.60 $19.54 $20.59 to $21.02 $27.85 $28.17 to $28.29 $31.170 to $32.28 $34.79 Total Outstanding at December 31, 2022 Number of Stock Options Outstanding 3,849 9,338 19,868 49,996 69,780 72,659 53,560 279,050 Weighted-Average Remaining Contractual Life (in years) 0.09 1.08 2.61 8.08 5.63 5.92 9.07 6.36 Weighted-Average Exercise Price $ 18.60 $ 19.54 $ 20.82 $ 27.85 $ 28.22 $ 31.85 $ 34.79 $ 29.41 Vested at December 31, 2022 Number of Stock Options Outstanding 3,849 9,338 19,868 13,783 58,656 49,814 1,030 156,338 Weighted-Average Remaining Contractual Life (in years) 0.09 1.08 2.61 8.08 5.54 5.39 9.07 4.96 Weighted-Average Exercise Price $ 18.60 $ 19.54 $ 20.82 $ 27.85 $ 28.24 $ 31.65 $ 34.79 $ 27.63 The following is the Schedule of Other Information on Stock Options Granted. 2022 2021 2020 Stock Options Granted 58,710 58,880 55,511 Weighted Average Grant Date Information: Fair Value of Options Granted $ 7.43 $ 4.57 $ 4.56 Fair Value Assumptions: Dividend Yield 2.90 % 3.41 % 2.90 % Expected Volatility 27.15 % 26.53 % 20.25 % Risk Free Interest Rate 1.69 % 0.49 % 1.53 % Expected Lives (in years) 8.56 8.75 6.68 Amount Expensed During the Year $ 312 $ 282 $ 301 Compensation Costs for Non-vested Awards Not Yet Recognized 542 427 440 Weighted Average Expected Vesting Period, In Years 2.22 2.16 2.17 Proceeds From Stock Options Exercised $ 631 $ 1,505 $ 748 Tax Benefits Related to Stock Options Exercised 33 69 52 Intrinsic Value of Stock Options Exercised 338 439 282 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, 2022. Restricted Stock Units Weighted Average Grant Date Fair Value Non-vested at January 1, 2022 13,599 $ 29.27 Granted 4,312 $ 34.79 Vested (4,391) $ 28.17 Non-vested at December 31, 2022 13,520 $ 31.38 Non-vested at January 1, 2021 12,373 $ 29.81 Granted 5,026 $ 27.71 Vested (3,800) $ 28.95 Non-vested at December 31, 2021 13,599 $ 29.27 Non-vested at January 1, 2020 8,191 $ 28.53 Granted 4,182 $ 32.28 Non-vested at December 31, 2020 12,373 $ 29.81 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, 2022, 2021 and 2020. 2022 2021 2020 Amount Expensed During the Year $ 141 $ 132 $ 119 Compensation Costs for Non-vested Awards Not Yet Recognized 158 149 141 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. W e have suspended the operation of the ESPP as a result of the delayed filing of this Form 10-K and the related effects under applicable securities laws. 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 Company makes cash contributions to the Plan each year. Schedule of ESOP Compensation Expense 2022 2021 2020 ESOP Compensation Expense $ 1,457 $ 1,487 $ 1,619

Retirement Benefit Plans

Retirement Benefit Plans	12 Months Ended
	Dec. 31, 2022
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, 2022, Arrow uses the sex-distinct amount-weighted Pri-2012 mortality tables for employees, healthy retirees and contingent survivors, with mortality improvements projected using Scale MP-2021 on a generational basis for the Pension Plan and the sex-distinct amount-weighted White Collar tables for employees, healthy retirees and contingent survivors, with mortality improvements projected using Scale MP-2021 on a generational basis for the Select Executive Retirement Plan. Segment interest rates of 5.09%, 5.60% and 5.41% were used in determining the present value of a lump sum payment/annuitizing cash balance accounts as of December 31, 2022. 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 included 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 was 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. Settlement accounting is required when lump sum payments during a fiscal year exceed that fiscal year's Service Cost plus Interest Cost components of the Net Periodic Pension Cost. For 2022, the sum of the Service Cost and Interest Cost was $3.3 million and the 2022 total lump sum payments exceeded that amount. The Plan therefore recognized in the 2022 Net Periodic Pension Cost a portion of the Unamortized Net (Gain)/Loss equal to the ratio of the projected benefit obligation for the participants that received a lump sum to the total projected benefit obligation. As of December 31, 2022, the Unamortized Net Loss prior to reflecting settlement accounting was $7.2 million. The ratio of the projected benefit obligation for participants that received a lump sum to the total projected benefit obligation was 8.06%. The effect of the settlement that was recognized in the 2022 Net Periodic Pension Cost was $577 thousand, which has been fully reflected in the 2022 Net Periodic Cost. 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, 2022 Fair Value of Plan Assets $ 54,300 $ — $ — Benefit Obligation 39,528 6,070 6,482 Funded Status of Plan $ 14,772 $ (6,070) $ (6,482) 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) Change in Benefit Obligation Benefit Obligation, at January 1, 2022 $ 45,659 $ 6,455 $ 7,994 Service Cost 1 1,877 835 90 Interest Cost 2 1,439 225 248 Plan Participants' Contributions — — 427 Actuarial Gain (4,555) (983) (1,571) Benefits Paid (4,892) (462) (706) Benefit Obligation, at December 31, 2022 $ 39,528 $ 6,070 $ 6,482 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 Actuarial Loss (347) 332 (1,240) Benefits Paid (2,170) (470) (584) Benefit Obligation, at December 31, 2021 45,659 6,455 7,994 Change in Fair Value of Plan Assets Fair Value of Plan Assets, at January 1, 2022 $ 68,925 $ — $ — Actual Return on Plan Assets (9,733) — — Employer Contributions — 462 279 Plan Participants' Contributions — — 427 Benefits Paid (4,892) (462) (706) Fair Value of Plan Assets, at December 31, 2022 $ 54,300 $ — $ — 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 $ — $ — Accumulated Benefit Obligation at December 31, 2022 $ 39,506 $ 6,024 $ 6,482 Employees' Select Postretirement Amounts Recognized in the Consolidated Balance Sheets December 31, 2022 Prepaid Pension Asset $ 14,772 $ — — Accrued Benefit Liability — (6,070) (6,482) Net Benefit (Expense) Recognized $ 14,772 $ (6,070) $ (6,482) 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) Amounts Recognized in Other Comprehensive Income (Loss) For the Year Ended December 31, 2022 Net Unamortized Loss (Gain) Arising During the Period $ 9,492 $ (983) $ (1,571) Amortization of Net (Loss) Gain — (212) 156 Amortization of Prior Service Cost (78) (44) (106) Settlement Cost $ (577) $ — $ — Total Other Comprehensive Income (Loss) for Pension and $ 8,837 $ (1,239) $ (1,521) 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 Accumulated Other Comprehensive Income December 31, 2022 Net Actuarial Loss (Gain) $ 6,574 $ 1,453 $ (2,597) Prior Service Cost 376 370 366 Total Accumulated Other Comprehensive Income (Loss), Before Tax $ 6,950 $ 1,823 $ (2,231) 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) Employees' Select Postretirement Net Periodic Benefit Cost For the Year Ended December 31, 2022 Service Cost 1 $ 1,877 $ 835 $ 90 Interest Cost 2 1,439 225 248 Expected Return on Plan Assets 2 (4,314) — — Amortization of Prior Service Cost 2 77 44 106 Amortization of Net Loss (Gain) 2 — 212 (156) Settlement Cost 2 577 — — Net Periodic Benefit (Income) Cost $ (344) $ 1,316 $ 288 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 2 — 179 (88) Net Periodic Benefit (Income) 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 (Gain) 2 81 146 — Net Periodic Benefit (Income) Cost $ (257) $ 788 $ 539 Weighted-Average Assumptions Used in December 31, 2022 Discount Rate 5.59 % 5.61 % 5.62 % Rate of Compensation Increase 3.50 % 3.50 % 3.50 % Interest Rate Credit for Determining 3.99 % 3.99 % Interest Rates segments to Annuitize Cash 5.09%, 5.60% and 5.41% 5.09%, 5.60% and 5.41% Interest Rates to Convert Annuities to Actuarially 5.09%,5.60% and 5.41% 5.09%, 5.60% and 5.41% 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 % Employees' Select Postretirement Weighted-Average Assumptions Used in December 31, 2022 Discount Rate 3.30 % 5.61 % 3.32 % 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 % 3.99 % Interest Rates to Annuitize Cash 5.09%, 5.60% and 5.41% 5.09%, 5.60% and 5.41% Interest Rates to Convert Annuities to Actuarially 5.09%, 5.60% and 5.41% 5.09%, 5.60% and 5.41% 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 % Footnotes: 1. Included in Salaries and Employee Benefits on the Consolidated Statements of Income 2. Included in Other Operating Expense 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, 2022 Cash $ — $ — $ — $ — — % — % 15.0 % Interest-Bearing Money Market Fund 1,291 — — 1,291 2.4 % — % 15.0 % Arrow Common Stock 1 6,411 — — 6,411 11.8 % — % 10.0 % North Country Funds - Equity 2 20,714 — — 20,714 38.2 % Other Mutual Funds - Equity 15,059 — — 15,059 27.7 % Total Equity Funds 35,773 — — 35,773 65.9 % 55.0 % 85.0 % Other Mutual Funds - Fixed Income 6,094 — — 6,094 11.2 % Total Fixed Income Funds 6,094 — — 6,094 11.2 % 10.0 % 30.0 % Alternative ETF 4,731 — — 4,731 8.7 % — % 20.0 % Total $ 54,300 $ — $ — $ 54,300 100.0 % 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 % 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. North Country Funds - Fixed Income was liquidated and dissolved in 2022. Schedule of Defined Benefit Plan Disclosures Employees' Select Postretirement Expected Future Benefit Payments 2023 $ 3,192 $ 432 $ 616 2024 3,469 675 629 2025 3,215 656 637 2026 2,778 628 665 2027 3,299 630 680 2028 - 2032 15,355 2,736 2,910 Estimated Contributions During 2023 $ — $ 432 $ 616 Assumed Health Care Cost Trend Rates December 31, 2022 Health Care Cost Trend 7.75 % Rate to which the Cost Trend 4.04 % Year that the Rate Reaches 2075 December 31, 2021 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, 2022
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: 2022 2021 2020 Legal and Other Professional Fees 3,076 2,706 2,516 Postage and Courier 1,277 1,044 957 Advertising and Promotion 1,190 1,083 1,140 Stationery and Printing 805 721 713 Intangible Asset Amortization 193 210 227 Litigation Reserve Expense — 1,475 — All Other 4,490 4,285 3,411 Total Other Operating Expense $ 11,031 $ 11,524 $ 8,964

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Income Taxes	INCOME TAXES (Dollars In Thousands) The provision for income taxes is summarized below: Current Tax Expense: 2022 2021 2020 Federal $ 12,263 $ 10,957 $ 10,791 State 3,103 2,645 2,485 Total Current Tax Expense 15,366 13,602 13,276 Deferred Tax (Benefit) Expense: Federal (798) 712 (1,569) State (454) 233 (671) Total Deferred Tax (Benefit) Expense (1,252) 945 (2,240) Total Provision for Income Taxes $ 14,114 $ 14,547 $ 11,036 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: 2022 2021 2020 Statutory Federal Tax Rate 21.0 % 21.0 % 21.0 % (Decrease) Increase Resulting From: Tax-Exempt Income (1.4) (1.5) (2.1) Nondeductible Interest Expense — — 0.1 State Taxes, Net of Federal Income Tax Benefit 3.4 3.4 2.6 Tax benefit from stock based compensation — — (0.1) Other Items, Net (0.6) (0.3) (0.2) Effective Tax Rate 22.4 % 22.6 % 21.3 % The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2022 and 2021 are presented below: 2022 2021 Deferred Tax Assets: Net Unrealized Losses on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income $ 16,914 $ 211 Allowance for Credit Losses 8,199 7,440 Lease liabilities 2,821 3,142 Pension and Deferred Compensation Plans 3,571 3,309 Pension Liability Included in Accumulated Other Comprehensive Income 1,692 124 Historic Tax Credit 749 1,023 Other 745 841 Total Gross Deferred Tax Assets 34,691 16,090 Valuation Allowance for Deferred Tax Assets — — Total Gross Deferred Tax Assets, Net of Valuation Allowance $ 34,691 $ 16,090 Deferred Tax Liabilities: Pension Plans $ 5,606 $ 5,470 Depreciation 3,165 3,070 ROU assets 2,646 3,005 Deferred Income 3,266 3,778 Net Unrealized Gains on Equity Securities 272 160 Goodwill 3,416 3,428 Gain on Cash Flow Hedge Agreements 1,404 453 Other — 85 Total Gross Deferred Tax Liabilities $ 19,775 $ 19,449 Deferred Tax Asset (Liability), Net $ 14,916 $ (3,359) Management believes that the realization of the recognized gross deferred tax assets at December 31, 2022 and 2021 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 2019 through 2022 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, 2022.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2022
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, 2022. All share and per share amounts have been adjusted for the September 23, 2022 3% stock dividend. Earnings Per Share Year-to-Date Period Ended: 12/31/2022 12/31/2021 12/31/2020 Earnings Per Share - Basic: Net Income $ 48,799 $ 49,857 $ 40,827 Weighted Average Shares - Basic 16,513 16,499 16,406 Earnings Per Share - Basic $ 2.95 $ 3.02 $ 2.49 Earnings Per Share - Diluted: Net Income $ 48,799 $ 49,857 $ 40,827 Weighted Average Shares - Basic 16,513 16,499 16,406 Dilutive Average Shares Attributable to Stock Options 49 56 16 Weighted Average Shares - Diluted 16,562 16,555 16,422 Earnings Per Share - Diluted $ 2.95 $ 3.01 $ 2.49

Fair Values

Fair Values	12 Months Ended
	Dec. 31, 2022
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, 2022 and 2021 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, 2022 Assets: Securities Available-for Sale: U.S. Government & Agency Obligations $ 175,199 $ — $ 175,199 $ — State and Municipal Obligations 340 — 340 — Mortgage-Backed Securities 397,156 — 397,156 — Corporate and Other Debt Securities 800 — 800 — Total Securities Available-for-Sale 573,495 — 573,495 $ — Equity Securities 2,174 — 2,174 — Total Securities Measured on a Recurring Basis 575,669 — 575,669 — Derivatives, included in other assets 7,506 — 7,506 — Total Measured on a Recurring Basis $ 583,175 $ — $ 583,175 $ — Liabilities: Derivatives, included in other liabilities $ 7,506 $ — $ 7,506 $ — Total Measured on a Recurring Basis $ 7,506 $ — $ 7,506 $ — 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 $ — 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, 2022 Collateral Dependent Impaired Loans $ — $ — $ — $ — $ — Other Real Estate Owned and Repossessed Assets, Net 593 — — 593 — December 31, 2021 Collateral Dependent Impaired Loans $ 2,457 $ — $ — $ 2,457 $ — Other Real Estate Owned and Repossessed Assets, Net 126 — — 126 — 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; and • 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, 2022 or 2021. 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 equities are based on the last observable price in open markets. 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, 2022 and 2021. 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 to be indexed to SOFR post-conversion) and Arrow is well-capitalized. Fair Value by Balance Sheet Grouping The following table presents a summary of the carrying amount, the 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, 2022 Cash and Cash Equivalents $ 64,660 $ 64,660 $ 64,660 $ — $ — Securities Available-for-Sale 573,495 573,495 — 573,495 — Securities Held-to-Maturity 175,364 171,623 — 171,623 — Equity Securities 2,174 2,174 2,174 Federal Home Loan Bank and Federal Reserve Bank Stock 6,064 6,064 — 6,064 — Net Loans 2,953,255 2,742,721 — — 2,742,721 Accrued Interest Receivable 9,890 9,890 — 9,890 — Derivatives, included in other assets 7,506 7,506 — 7,506 — Deposits 3,498,364 3,492,021 — 3,492,021 — Federal Home Loan Bank Term Advances 27,800 27,757 — 27,757 — Junior Subordinated Obligations Issued 20,000 20,000 — 20,000 — Accrued Interest Payable 357 357 — 357 — Derivatives, included in other liabilities 7,506 7,506 — 7,506 — 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 —

Leases

Leases	12 Months Ended
	Dec. 31, 2022
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 the two subsidiary banks. 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 the two subsidiary banks. Additional information regarding these relationships can be found in Part III, Item 13 under the caption "Related Party Transactions." The following includes quantitative data related to the Company's leases as of and for the twelve months ended December 31, 2022 and December 31, 2021 : Twelve Months Ended Finance Lease Amounts: Classification December 31, 2022 December 31, 2021 Right-of-Use Assets Premises and Equipment, Net $ 4,637 $ 4,814 Lease Liabilities Finance Leases 5,119 5,169 Operating Lease Amounts: Right-of-Use Assets Other Assets $ 5,627 $ 6,941 Lease Liabilities Other Liabilities 5,822 7,124 Other Information: Cash Paid For Amounts Included In The Measurement Of Lease Liabilities: Operating Outgoing Cash Flows From Finance Leases $ 193 $ 195 Operating Outgoing Cash Flows From Operating Leases 1,301 794 Financing Outgoing Cash Flows From Finance Leases 50 48 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 Weighted-average Remaining Lease Term - Finance Leases (Yrs.) 27.24 28.20 Weighted-average Remaining Lease Term - Operating Leases (Yrs.) 11.14 11.17 Weighted-average Discount Rate—Finance Leases 3.75 % 3.75 % Weighted-average Discount Rate—Operating Leases 2.92 % 2.86 % Lease cost information for the Company's leases is as follows: Three Months Ended Twelve Months Ended December 31, 2022 December 31, 2021 December 31, 2022 December 31, 2021 Lease Cost: Finance Lease Cost: Reduction in the Carrying Amount of Right-of-Use Assets $ 44 $ 44 $ 177 $ 177 Interest on Lease Liabilities 48 49 193 195 Operating Lease Cost 304 270 1,229 1,007 Short-term Lease Cost 15 19 47 47 Variable Lease Cost 81 67 334 270 Total Lease Cost $ 492 $ 449 $ 1,980 $ 1,696 Future Lease Payments at December 31, 2022 are as follows: Operating Leases Finance Leases Twelve Months Ended: 12/31/2023 $ 964 $ 243 12/31/2024 699 249 12/31/2025 637 263 12/31/2026 574 268 12/31/2027 545 268 Thereafter 3,577 7,264 Total Undiscounted Cash Flows 6,996 8,555 Less: Net Present Value Adjustment 1,174 3,436 Lease Liability $ 5,822 $ 5,119
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 the two subsidiary banks. 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 the two subsidiary banks. Additional information regarding these relationships can be found in Part III, Item 13 under the caption "Related Party Transactions." The following includes quantitative data related to the Company's leases as of and for the twelve months ended December 31, 2022 and December 31, 2021 : Twelve Months Ended Finance Lease Amounts: Classification December 31, 2022 December 31, 2021 Right-of-Use Assets Premises and Equipment, Net $ 4,637 $ 4,814 Lease Liabilities Finance Leases 5,119 5,169 Operating Lease Amounts: Right-of-Use Assets Other Assets $ 5,627 $ 6,941 Lease Liabilities Other Liabilities 5,822 7,124 Other Information: Cash Paid For Amounts Included In The Measurement Of Lease Liabilities: Operating Outgoing Cash Flows From Finance Leases $ 193 $ 195 Operating Outgoing Cash Flows From Operating Leases 1,301 794 Financing Outgoing Cash Flows From Finance Leases 50 48 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 Weighted-average Remaining Lease Term - Finance Leases (Yrs.) 27.24 28.20 Weighted-average Remaining Lease Term - Operating Leases (Yrs.) 11.14 11.17 Weighted-average Discount Rate—Finance Leases 3.75 % 3.75 % Weighted-average Discount Rate—Operating Leases 2.92 % 2.86 % Lease cost information for the Company's leases is as follows: Three Months Ended Twelve Months Ended December 31, 2022 December 31, 2021 December 31, 2022 December 31, 2021 Lease Cost: Finance Lease Cost: Reduction in the Carrying Amount of Right-of-Use Assets $ 44 $ 44 $ 177 $ 177 Interest on Lease Liabilities 48 49 193 195 Operating Lease Cost 304 270 1,229 1,007 Short-term Lease Cost 15 19 47 47 Variable Lease Cost 81 67 334 270 Total Lease Cost $ 492 $ 449 $ 1,980 $ 1,696 Future Lease Payments at December 31, 2022 are as follows: Operating Leases Finance Leases Twelve Months Ended: 12/31/2023 $ 964 $ 243 12/31/2024 699 249 12/31/2025 637 263 12/31/2026 574 268 12/31/2027 545 268 Thereafter 3,577 7,264 Total Undiscounted Cash Flows 6,996 8,555 Less: Net Present Value Adjustment 1,174 3,436 Lease Liability $ 5,822 $ 5,119

Derivative Instruments and Hedg

Derivative Instruments and Hedging Activities	12 Months Ended
	Dec. 31, 2022
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, 2022 December 31, 2021 Fair value adjustment included in other assets $ 7,506 $ 2,083 Fair value adjustment included in other liabilities 7,506 2,083 Notional amount 127,763 172,668 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, 2022 December 31, 2021 Amount of gain recognized in AOCI $ 3,467 $ 1,249 Amount of (loss) gain reclassified from AOCI interest expense (204) 126

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2022
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, 2022, the maximum amount that could have been paid by subsidiary banks to Arrow, without prior regulatory approval, was approximately $88.8 million. Under current Federal Reserve regulations, Arrow is prohibited from borrowing from the subsidiary banks unless such borrowings are secured by specific obligations. Additionally, the maximum of any such borrowings from any one subsidiary bank (aggregated with all other "covered transactions" between the bank and Arrow) is limited to 10% of that bank’s capital and surplus. Loans and other covered transactions between any one subsidiary bank and all of its affiliates cannot exceed 20% of that bank's capital and surplus. Arrow and its subsidiary banks are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory--and possibly additional discretionary--actions by regulators that, if undertaken, could have a direct material effect on an institution’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, Arrow and its subsidiary banks must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Current quantitative measures established by regulation to ensure capital adequacy require Arrow and its subsidiary banks to maintain minimum capital amounts and ratios (set forth in the table below) of total and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined). Management believes, as of December 31, 2022 and 2021, 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, 2022, 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 and Saratoga National, are presented in the table below as of December 31, 2022 and 2021: 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, 2022 Total Capital Arrow $ 435,857 15.1 % $ 303,079 10.5 % $ 288,647 10.0 % Glens Falls National 315,458 14.3 % 231,630 10.5 % 220,600 10.0 % Saratoga National 104,279 15.5 % 70,641 10.5 % 67,277 10.0 % Tier I Capital Actual Minimum Amounts For Capital Adequacy Purposes (including "capital conservation buffer") Minimum Amounts To Be Well-Capitalized Amount Ratio Amount Ratio Amount Ratio Arrow 404,059 14.0 % 245,322 8.5 % 230,891 8.0 % Glens Falls National 292,134 13.2 % 188,117 8.5 % 177,051 8.0 % Saratoga National 95,891 14.3 % 56,998 8.5 % 53,645 8.0 % Tier I Capital Arrow 404,059 9.8 % 164,922 4.0 % 206,153 5.0 % Glens Falls National 292,134 9.0 % 129,837 4.0 % 162,297 5.0 % Saratoga National 95,891 10.5 % 36,530 4.0 % 45,662 5.0 % Common Equity Tier 1 Capital Arrow 384,003 13.3 % 202,107 7.0 % 187,671 6.5 % Glens Falls National 292,078 13.2 % 154,890 7.0 % 143,826 6.5 % Saratoga National 95,891 14.3 % 46,940 7.0 % 43,587 6.5 % 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 % 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 %

Parent Only Financial Informati

Parent Only Financial Information	12 Months Ended
	Dec. 31, 2022
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 2022 2021 Interest-Bearing Deposits with Subsidiary Banks $ 1,532 $ 232 Equity Securities 2,174 1,747 Investment in Subsidiaries at Equity 354,664 377,163 Other Assets 16,458 13,061 Total Assets $ 374,828 $ 392,203 LIABILITIES Junior Subordinated Obligations Issued to $ 20,000 $ 20,000 Other Liabilities 1,290 1,017 Total Liabilities 21,290 21,017 STOCKHOLDERS’ EQUITY Total Stockholders’ Equity 353,538 371,186 Total Liabilities and Stockholders’ Equity $ 374,828 $ 392,203 STATEMENTS OF INCOME Years Ended December 31, Income: 2022 2021 2020 Dividends from Bank Subsidiaries $ 19,264 $ 15,994 $ 17,199 Interest and Dividends on Investments 49 49 49 Other Income (Including Management Fees) 1,095 664 246 Total Income 20,408 16,707 17,494 Expense: Interest Expense 685 686 746 Other Expense 1,030 879 878 Total Expense 1,715 1,565 1,624 Income Before Income Tax Benefit and Equity in Undistributed Net Income of Subsidiaries 18,693 15,142 15,870 Income Tax Benefit 257 312 431 Equity in Undistributed Net Income of Subsidiaries 29,849 34,403 24,526 Net Income $ 48,799 $ 49,857 $ 40,827 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, 2022 2021 2020 Cash Flows from Operating Activities: Net Income $ 48,799 $ 49,857 $ 40,827 Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities: Undistributed Net Income of Subsidiaries (29,849) (34,403) (24,526) Shares Issued Under the Directors’ Stock Plan 408 376 125 Changes in Other Assets and Other Liabilities (754) (462) (3,606) Net Cash Provided by Operating Activities 18,604 15,368 12,820 Cash Flows from Financing Activities: Stock Options Exercised 631 1,505 748 Shares Issued Under the Employee Stock Purchase Plan 477 481 513 Shares Issued for Dividend Reinvestment Plans 1,904 1,836 1,808 Purchase of Treasury Stock (2,872) (2,662) (1,578) Cash Dividends Paid (17,444) (16,296) (15,740) Net Cash Used in Financing Activities (17,304) (15,136) (14,249) Net Increase (Decrease) in Cash and Cash Equivalents 1,300 232 (1,429) Cash and Cash Equivalents at Beginning of the Year 232 — 1,429 Cash and Cash Equivalents at End of the Year $ 1,532 $ 232 $ — Supplemental Disclosures to Statements of Interest Paid $ 685 $ 686 $ 746

Related Party Transaction

Related Party Transaction	12 Months Ended
	Dec. 31, 2022
Related Party Transactions [Abstract]
Related Party Transaction	RELATED PARTY TRANSACTIONA member of the GFNB Board of Directors, is the Chief Executive Officer of the general contractor leading the multi-year renovation project to enhance and improve the downtown Glens Falls Main Campus. The reconstruction will provide added energy efficiency and more collaborative work space. In 2022, Arrow paid $10.9 million to this general contractor. GFNB is a subsidiary of Arrow Financial Corporation.

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2022
Subsequent Events [Abstract]
Subsequent Events	SUBSEQUENT EVENTS Effective May 12, 2023, Mr. Murphy terminated his employment as President and CEO and as a director of the Company and all other positions he held with the Company and its affiliates. Effective May 13, 2023, the Company appointed David S. DeMarco to serve as President and CEO of the Company and GFNB, in addition to continuing to serve as President and CEO of SNB. The Company became aware that on June 23, 2023, Robert C. Ashe filed a putative class action complaint against the Company in the United States District Court for the Northern District of New York. In addition to the Company, the complaint names as defendants Thomas J. Murphy, the Company’s former CEO and from September 30, 2022, to February 20, 2023, its interim CFO, Edward J. Campanella, the Company’s former CFO, and Penko Ivanov, the Company’s current CFO (“Individual Defendants” and, together with the Company, the "Defendants"). The complaint alleges that the Defendants made materially false and misleading statements regarding the Company’s business, operations and compliance policies in the Company’s public filings between March 12, 2022 and May 12, 2023. The complaint further alleges that the Individual Defendants are liable for these materially false and misleading statements as "controlling persons" of the Company. Based on these allegations, the complaint brings two claims for violations of Section 10(b) of the Exchange Act and Rule 10b-5 promulgated thereunder and of Section 20(a) of the Exchange Act. Mr. Ashe, on behalf of a purported class of shareholders, seeks compensatory damages as well as recovery of the costs and fees associated with the litigation. The Company believes the lawsuit to be without merit and expressly denies any wrongdoing in connection with the matters claimed in the complaint and intends to vigorously defend the lawsuit. As of the date of filing of this Form 10-K, the Company has not been served with the complaint.

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2022
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 had an interest rate of 1% and included an origination and servicing fee as a result of originating these loans. The original term on the PPP loans was two years, however the borrower had 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. As of December 31, 2022, there were no PPP loans outstanding. 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 adjustment to the loss rate for each vintage is 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. 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 were offset by actual loan charge-offs (net of any recoveries). The loan portfolio was evaluated for potential charge-offs on a monthly basis. In general, automobile and other consumer loans were charged-off when 120 days delinquent. Residential real estate loans were 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 were evaluated early in their delinquency status and were charged-off when management concluded that not all principal would be repaid from on-going cash flows or liquidation of collateral. An evaluation of estimated proceeds from the liquidation of the loan’s collateral was compared to the loan carrying amount and a charge to the allowance for loan losses was taken for any deficiency. While management used available information to recognize losses on loans, future additions to the allowance could have been 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, reviewed Arrow's allowance for loan losses. Such agencies could have required 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 have been currently available to management. All nonaccrual loans over $250 thousand and all troubled debt restructured loans were considered to be impaired loans and these loans were evaluated individually to determine the amount of impairment, if any. The amount of impairment, if any, related to individual impaired loans was 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 was collateral dependent. Arrow determined 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, was typically charged off. For impaired loans which were not collateral dependent, impairment was 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 was less than the recorded investment in the loan, an impairment reserve was 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 might have been charged off. The allowance for loan losses on the remaining loans was 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 was incurred on a loan to the point at which the loss was recognized in the financial statements. Since the LEP might have changed under various economic environments, the LEP calculation was 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 was 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. 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.
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
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 which are more fully described in Note 13, Retirement Benefit Plans.  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 has the ability to borrow funds from one of Arrow’s subsidiary banks to purchase outstanding shares of Arrow’s common stock. At December 31, 2022 and 2021, there were no loans outstanding and no 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 Values . 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 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.
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; and • 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, 2022 or 2021. 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 equities are based on the last observable price in open markets. 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, 2022 and 2021. 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 to be indexed to SOFR post-conversion) and Arrow is well-capitalized.

Cash and Cash Equivalents (Tabl

Cash and Cash Equivalents (Tables)	12 Months Ended
	Dec. 31, 2022
Cash and Cash Equivalents [Abstract]
Schedule of Cash and Cash Equivalents	2022 2021 Balances at December 31: Cash and Due From Banks $ 31,886 $ 26,978 Interest-Bearing Deposits at Banks 32,774 430,718 Total Cash and Cash Equivalents $ 64,660 $ 457,696
Restrictions on Cash and Cash Equivalents	2022 2021 Balances at December 31: Cash and Due From Banks $ 31,886 $ 26,978 Interest-Bearing Deposits at Banks 32,774 430,718 Total Cash and Cash Equivalents $ 64,660 $ 457,696

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Available-for-sale Securities	The following table is the schedule of Available-For-Sale Securities at December 31, 2022 and 2021: Available-For-Sale Securities U.S. Government & Agency State and Mortgage- Corporate Total December 31, 2022 Available-For-Sale Securities, $ 190,000 $ 340 $ 447,755 $ 1,000 $ 639,095 Gross Unrealized Gains 15 — 65 — 80 Gross Unrealized Losses (14,816) — (50,664) (200) (65,680) Available-For-Sale Securities, $ 175,199 $ 340 $ 397,156 $ 800 $ 573,495 Available-For-Sale Securities, 308,266 Maturities of Debt Securities, Within One Year — 20 690 — 710 From 1 - 5 Years 190,000 — 241,322 — 431,322 From 5 - 10 Years — 320 205,743 1,000 207,063 Over 10 Years — — — — — Maturities of Debt Securities, Within One Year — 20 667 — 687 From 1 - 5 Years 175,199 — 222,112 — 397,311 From 5 - 10 Years — 320 174,377 800 175,497 Over 10 Years — — — — — Securities in a Continuous Less than 12 Months $ 66,690 $ — $ 183,868 $ — $ 250,558 12 Months or Longer 93,493 — 199,262 800 293,555 Total $ 160,183 $ — $ 383,130 $ 800 $ 544,113 Number of Securities in a 23 — 150 1 174 Unrealized Losses on Less than 12 Months $ 3,310 $ — $ 18,756 $ — $ 22,066 12 Months or Longer 11,506 — 31,908 200 43,614 Total $ 14,816 $ — $ 50,664 $ 200 $ 65,680 Disaggregated Details: US Agency Obligations, 190,000 US Agency Obligations, 175,199 US Government Agency $ 7,934 US Government Agency 7,433 Government Sponsored Entity 439,821 Government Sponsored Entity 389,723 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 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 At December 31, 2022, 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, 2022 and 2021: Held-To-Maturity Securities State and Mortgage- Total December 31, 2022 Held-To-Maturity Securities, $ 163,600 $ 11,764 $ 175,364 Gross Unrealized Gains 1 — 1 Gross Unrealized Losses (3,131) (611) (3,742) Held-To-Maturity Securities, $ 160,470 $ 11,153 $ 171,623 Held-To-Maturity Securities, 142,982 Maturities of Debt Securities, Within One Year 52,522 — 52,522 From 1 - 5 Years 108,233 11,764 119,997 From 5 - 10 Years 2,806 — 2,806 Over 10 Years 39 — 39 Maturities of Debt Securities, Within One Year 52,233 — 52,233 From 1 - 5 Years 105,414 11,153 116,567 From 5 - 10 Years 2,784 — 2,784 Over 10 Years 39 — 39 Securities in a Continuous Less than 12 Months $ 137,773 $ 11,153 $ 148,926 12 Months or Longer — — — Total $ 137,773 $ 11,153 $ 148,926 Number of Securities in a 397 16 413 Unrealized Losses on Securities Less than 12 Months $ 3,131 $ 611 $ 3,742 12 Months or Longer — — — Total $ 3,131 $ 611 $ 3,742 Disaggregated Details: US Government Agency 3,898 US Government Agency 3,687 Government Sponsored Entity 7,866 Government Sponsored Entity 7,466 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 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
Debt Securities, Trading, and Equity Securities, FV-NI	The following table is the schedule of Equity Securities at December 31, 2022 and 2021. Equity Securities December 31, 2022 2021 Equity Securities, at Fair Value $ 2,174 $ 1,747
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, 2022 and 2021: December 31, 2022 2021 Net Gain (Loss) on Equity Securities $ 427 $ 111 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 $ 427 $ 111
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, 2022 2021 Federal Reserve Bank Stock $ 1,180 $ 1,161 Federal Home Loan Bank Stock 4,884 4,219 Total Federal Reserve Bank and Federal Home Loan Bank Stock $ 6,064 $ 5,380

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2022
Receivables [Abstract]
Past Due Financing Receivables	The following table presents loan balances outstanding as of December 31, 2022 and December 31, 2021 and an analysis of the recorded investment in loans that are past due at these dates. Loans held-for-sale of $656 and $1,154 as of December 31, 2022, and December 31, 2021, 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, 2022 Loans Past Due 30-59 Days $ 48 $ 370 $ 13,657 $ 1,833 $ 15,908 Loans Past Due 60-89 Days 33 — 4,517 112 4,662 Loans Past Due 90 or More Days 44 — 3,503 4,790 8,337 Total Loans Past Due 125 370 21,677 6,735 28,907 Current Loans 140,168 706,652 1,043,458 1,064,022 2,954,300 Total Loans $ 140,293 $ 707,022 $ 1,065,135 $ 1,070,757 $ 2,983,207 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 Schedule of Non Accrual Loans by Category Commercial December 31, 2022 Commercial Real Estate Consumer Residential Total Loans 90 or More Days Past Due $ 44 $ — $ — $ 1,113 $ 1,157 Nonaccrual Loans 8 3,110 3,503 4,136 10,757 Nonaccrual With No Allowance for Credit Loss 8 3,110 3,503 4,136 10,757 Interest Income on Nonaccrual Loans — — — 5 5 December 31, 2021 Loans 90 or More Days Past Due $ 157 $ — $ — $ 666 $ 823 Nonaccrual Loans 34 7,243 1,697 1,790 10,764
Financing Receivable Supplemental Information	Schedule of Supplemental Loan Information 2022 2021 Supplemental Information : Unamortized deferred loan origination costs, net of deferred loan $ 6,774 $ 5,179 Overdrawn deposit accounts, included in the above balances 298 182 Pledged loans under a blanket collateral agreement to secure borrowings from the Federal Home Loan Bank of New York 663,259 778,902 Residential real estate loans serviced for Freddie Mac, not included 195,133 215,209
Allowance for Credit Losses on Financing Receivables	The following table details activity in the allowance for credit losses on loans for the twelve months ended December 31, 2022 and December 31, 2021 Allowance for Credit Losses Commercial Commercial Real Estate Consumer Residential Total Rollforward of the Allowance for Credit Losses for the Year Ended: December 31, 2021 $ 2,298 $ 13,136 $ 2,402 $ 9,445 $ 27,281 Charge-offs (34) — (4,079) (30) (4,143) Recoveries 43 — 1,973 — 2,016 Provision (346) 2,077 2,289 778 4,798 December 31, 2022 $ 1,961 $ 15,213 $ 2,585 $ 10,193 $ 29,952 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 The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2022 and December 31, 2021: December 31, 2022 Collateral Type -Residential Real Estate Collateral Type - Commercial Real Estate Total Loans Commercial $ — $ — $ — Commercial Real Estate — 3,110 3,110 Consumer — — — Residential 1,963 — 1,963 Total $ 1,963 $ 3,110 $ 5,073 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 Allowance for Credit Losses - Collectively and Individually Evaluated Commercial Commercial Real Estate Consumer Residential Total December 31, 2022 Ending Loan Balance - Collectively Evaluated $ 140,293 $ 703,912 $ 1,065,135 $ 1,068,794 $ 2,978,134 Allowance for Credit Losses - Loans Collectively Evaluated 1,961 15,213 2,585 10,193 29,952 Ending Loan Balance - Individually Evaluated — 3,110 — 1,963 5,073 Allowance for Credit Losses - Loans Individually Evaluated — — — — — Commercial Commercial Real Estate Consumer Residential Total December 31, 2021 Ending Loan Balance - Collectively Evaluated for Impairment $ 172,518 $ 622,197 $ 920,556 $ 945,265 $ 2,660,536 Allowance for Loan Losses - Loans Collectively Evaluated for Impairment 2,298 12,537 2,402 9,445 $ 26,682 Ending Loan Balance - Individually Evaluated for Impairment — 6,732 — 673 7,405 Allowance for Loan Losses - Loans Individually Evaluated for Impairment — 599 — — 599
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, 2022 and December 31, 2021: Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total December 31, 2022 2022 2021 2020 2019 2018 Prior Commercial: Risk rating Satisfactory $ 42,038 $ 28,718 $ 16,870 $ 7,857 $ 8,129 $ 20,379 $ 8,909 $ — $ 132,900 Special mention — — — — — 30 30 — 60 Substandard — — 255 478 — 3,464 3,136 — 7,333 Doubtful — — — — — — — — — Total Commercial Loans $ 42,038 $ 28,718 $ 17,125 $ 8,335 $ 8,129 $ 23,873 $ 12,075 $ — $ 140,293 Commercial Real Estate: Risk rating Satisfactory $ 152,858 $ 115,111 $ 121,811 $ 43,647 $ 63,913 $ 159,876 $ 1,603 $ — $ 658,819 Special mention 9,678 — — — 789 241 — — 10,708 Substandard 607 — 5,807 812 4,371 25,677 221 — 37,495 Doubtful — — — — — — — — — Total Commercial Real Estate Loans $ 163,143 $ 115,111 $ 127,618 $ 44,459 $ 69,073 $ 185,794 $ 1,824 $ — $ 707,022 Consumer: Risk rating Performing $ 482,530 $ 284,831 $ 154,819 $ 88,165 $ 38,852 $ 12,032 $ 504 $ — $ 1,061,733 Nonperforming 758 1,468 607 325 157 87 — — 3,402 Total Consumer Loans $ 483,288 $ 286,299 $ 155,426 $ 88,490 $ 39,009 $ 12,119 $ 504 $ — $ 1,065,135 Residential: Risk rating Performing $ 210,565 $ 198,195 $ 128,372 $ 82,965 $ 74,281 $ 259,787 $ 111,563 $ — $ 1,065,728 Nonperforming — 255 939 597 520 2,311 407 — 5,029 Total Residential Loans $ 210,565 $ 198,450 $ 129,311 $ 83,562 $ 74,801 $ 262,098 $ 111,970 $ — $ 1,070,757 Total Loans $ 899,034 $ 628,578 $ 429,480 $ 224,846 $ 191,012 $ 483,884 $ 126,373 $ — $ 2,983,207 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
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, 2022 Number of Loans — — 3 — 3 Pre-Modification Outstanding Recorded Investment $ — $ — $ 28 $ — $ 28 Post-Modification Outstanding Recorded Investment — — 28 — 28 Subsequent Default, Number of Contracts — — — — — Subsequent Default, Recorded Investment — — — — — Commitments to lend additional funds to modified loans — — — — — 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 — — — — —

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2022
Property, Plant and Equipment [Abstract]
Property, Plant and Equipment	A summary of premises and equipment at December 31, 2022 and 2021 is presented below: 2022 2021 Land and Bank Premises $ 41,295 $ 40,848 Equipment, Furniture and Fixtures 50,962 38,496 Leasehold Improvements 5,083 4,410 Total Cost 97,340 83,754 Accumulated Depreciation and Amortization (45,486) (42,351) Net Owned Premises and Equipment 51,854 41,403 Leased Assets (see Note 18) 4,637 4,814 Net Premises and Equipment $ 56,491 $ 46,217

Other Intangible Assets (Tables

Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2022
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, 2022, 2021 and 2020: Depositor Mortgage Servicing Rights 1 Customer Intangibles 2 Total Gross Carrying Amount, December 31, 2022 $ 2,247 $ 3,296 $ 4,382 $ 9,925 Accumulated Amortization (2,247) (2,511) (3,667) (8,425) Net Carrying Amount, December 31, 2022 $ — $ 785 $ 715 $ 1,500 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 Rollforward of Intangible Assets: 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 Intangible Assets Acquired — 10 — 10 Intangible Assets Disposed — — — — Amortization of Intangible Assets — (235) (193) (428) Balance, December 31, 2022 $ — $ 785 $ 715 $ 1,500 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, 2022: Mortgage Customer Intangibles Total Estimated Annual Amortization Expense: 2023 $ 215 $ 176 $ 391 2024 206 155 361 2025 195 107 302 2026 144 89 233 2027 25 72 97 2028 and beyond — 116 116 Total $ 785 $ 715 $ 1,500

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2022
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, 2022 and 2021: Balance at December 31, 2022 2021 Notional Amount: Commitments to Extend Credit $ 424,197 $ 402,280 Standby Letters of Credit 3,627 3,223 Fair Value: Commitments to Extend Credit $ — $ — Standby Letters of Credit 2 24

Time Deposits (Tables)

Time Deposits (Tables)	12 Months Ended
	Dec. 31, 2022
Maturities of Time Deposits [Abstract]
Maturities of Time Deposits	The following summarizes the contractual maturities of time deposits during years subsequent to December 31, 2022: Year of Maturity Total Time 2023 $ 145,253 2024 42,462 2025 13,166 2026 4,263 2027 4,291 2028 and beyond — Total $ 209,435

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2022
Debt Disclosure [Abstract]
Schedule of Short-term Debt	Schedule of Short-Term Borrowings: 2022 2021 Balances at December 31: Overnight Advances from the Federal Home Loan Bank of New York 27,000 — Total Short-Term Borrowings $ 27,000 $ — Maximum Borrowing Capacity at December 31: Federal Funds Purchased $ 52,000 $ 52,000 Federal Home Loan Bank of New York 663,259 778,902 Federal Reserve Bank of New York 649,112 594,034 Available Borrowing Capacity at December 31: Federal Funds Purchased $ 52,000 $ 52,000 Federal Home Loan Bank of New York 608,458 733,902 Federal Reserve Bank of New York 649,112 594,034
Schedule of Maturities of Long-term Debt	Maturity Schedule of FHLBNY Term Advances : Balances Weighted Average Rate Final Maturity 2022 2021 2022 2021 First Year $ 27,800 $ 5,000 2.70 % 1.81 % Second Year — 20,000 — % 1.75 % Third Year — 20,000 — % 1.76 % Fourth Year — — — % — % Fifth Year — — — % — % Total $ 27,800 $ 45,000 2.70 % 1.77 %
Schedule of Long-term Debt Instruments	Schedule of Guaranteed Preferred Beneficial Interests in Corporation's Junior Subordinated Debentures 2022 2021 ACST II Balance at December 31, $ 10,000 $ 10,000 Period End: Variable Interest Rate 6.82 % 3.28 % 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 5.67 % 2.13 % 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, 2022
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of Comprehensive Income (Loss)	The following table presents the components of other comprehensive (loss) income for the years ended December 31, 2022, 2021 and 2020: Schedule of Comprehensive (Loss) Income Before-Tax Tax Net-of-Tax 2022 Net Unrealized Securities Holding Losses Arising During the Period $ (64,774) 16,547 (48,227) Net Unrealized Gains on Cash Flow Swap 3,467 (885) 2,582 Reclassification of Net Unrealized Loss on Cash Flow Hedge Agreements to Interest Expense 204 (52) 152 Net Retirement Plan Loss (6,938) 1,791 (5,147) Settlement Cost 577 (149) 428 Amortization of Net Retirement Plan Actuarial Loss 56 (15) 41 Amortization of Net Retirement Plan Prior Service Cost 228 (59) 169 Other Comprehensive Loss $ (67,180) $ 17,178 $ (50,002) 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 Cash Flow Hedge Agreements to Interest Expense (126) 32 (94) Net Retirement Plan Loss 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 Loss (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
Schedule of Accumulated Other Comprehensive Income (Loss)	The following table presents the changes in accumulated other comprehensive (loss) income by component: Changes in Accumulated Other Comprehensive (Loss) 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, 2021 $ (614) $ 1,320 $ 639 $ (998) $ 347 Other comprehensive (loss) income before reclassifications (48,227) 2582 (5,147) 428 (50,364) Amounts reclassified from accumulated other comprehensive (loss) income — 152 41 169 362 Net current-period other comprehensive (loss) income (48,227) 2,734 (5,106) 597 (50,002) December 31, 2022 $ (48,841) $ 4,054 $ (4,467) $ (401) $ (49,655) December 31, 2020 $ 5,799 $ 485 $ (5,929) $ (1,171) $ (816) Other comprehensive (loss) income before reclassifications (6,413) 929 6,500 — 1,016 Amounts reclassified from accumulated other comprehensive income — (94) 68 173 147 Net current-period other comprehensive income (loss) (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 (loss) 28 — 169 157 354 Net current-period other comprehensive income 5,334 485 (82) (196) 5,541 December 31, 2020 $ 5,799 $ 485 $ (5,929) $ (1,171) $ (816) (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 (loss) Reclassifications Out of Accumulated Other Comprehensive Income (Loss) (1) Amounts Reclassified Details about Accumulated Other from Accumulated Other Affected Line Item in the Statement Comprehensive Income (Loss) Components Comprehensive Income (Loss) Where Net Income Is Presented For the Year-to-date periods ended: December 31, 2022 Reclassification of Net Unrealized Gain on Cash Flow Hedge Agreements to Interest Expense $ (204) Interest expense Amortization of defined benefit pension items Prior-service credit (228) (2) Salaries and Employee Benefits Actuarial Loss (56) (2) Salaries and Employee Benefits (488) Total before tax 126 Provision for Income Taxes Total reclassifications for the period $ (362) Net of tax December 31, 2021 Reclassification of Net Unrealized Gain on Cash Flow Hedge Agreements to Interest Expense 126 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 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 (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, 2022
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 December 31, 2022 463,500 The following table summarizes information about stock option activity for the year ended December 31, 2022. Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at January 1, 2022 278,899 $ 27.62 Granted 58,710 $ 34.79 Exercised (28,571) $ 22.08 Forfeited (29,988) $ 30.21 Outstanding at December 31, 2022 279,050 $ 29.41 6.36 $ 1,250 Vested at Period-End 156,388 $ 27.63 4.96 $ 979 Expected to Vest 122,662 $ 31.68 8.14 $ 272 The following table summarizes information about restricted stock unit activity for the year ended December 31, 2022. Restricted Stock Units Weighted Average Grant Date Fair Value Non-vested at January 1, 2022 13,599 $ 29.27 Granted 4,312 $ 34.79 Vested (4,391) $ 28.17 Non-vested at December 31, 2022 13,520 $ 31.38 Non-vested at January 1, 2021 12,373 $ 29.81 Granted 5,026 $ 27.71 Vested (3,800) $ 28.95 Non-vested at December 31, 2021 13,599 $ 29.27 Non-vested at January 1, 2020 8,191 $ 28.53 Granted 4,182 $ 32.28 Non-vested at December 31, 2020 12,373 $ 29.81 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, 2022, 2021 and 2020. 2022 2021 2020 Amount Expensed During the Year $ 141 $ 132 $ 119 Compensation Costs for Non-vested Awards Not Yet Recognized 158 149 141
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 $18.60 $19.54 $20.59 to $21.02 $27.85 $28.17 to $28.29 $31.170 to $32.28 $34.79 Total Outstanding at December 31, 2022 Number of Stock Options Outstanding 3,849 9,338 19,868 49,996 69,780 72,659 53,560 279,050 Weighted-Average Remaining Contractual Life (in years) 0.09 1.08 2.61 8.08 5.63 5.92 9.07 6.36 Weighted-Average Exercise Price $ 18.60 $ 19.54 $ 20.82 $ 27.85 $ 28.22 $ 31.85 $ 34.79 $ 29.41 Vested at December 31, 2022 Number of Stock Options Outstanding 3,849 9,338 19,868 13,783 58,656 49,814 1,030 156,338 Weighted-Average Remaining Contractual Life (in years) 0.09 1.08 2.61 8.08 5.54 5.39 9.07 4.96 Weighted-Average Exercise Price $ 18.60 $ 19.54 $ 20.82 $ 27.85 $ 28.24 $ 31.65 $ 34.79 $ 27.63
Other Stock Based Compensation Disclosure Table	The following is the Schedule of Other Information on Stock Options Granted. 2022 2021 2020 Stock Options Granted 58,710 58,880 55,511 Weighted Average Grant Date Information: Fair Value of Options Granted $ 7.43 $ 4.57 $ 4.56 Fair Value Assumptions: Dividend Yield 2.90 % 3.41 % 2.90 % Expected Volatility 27.15 % 26.53 % 20.25 % Risk Free Interest Rate 1.69 % 0.49 % 1.53 % Expected Lives (in years) 8.56 8.75 6.68 Amount Expensed During the Year $ 312 $ 282 $ 301 Compensation Costs for Non-vested Awards Not Yet Recognized 542 427 440 Weighted Average Expected Vesting Period, In Years 2.22 2.16 2.17 Proceeds From Stock Options Exercised $ 631 $ 1,505 $ 748 Tax Benefits Related to Stock Options Exercised 33 69 52 Intrinsic Value of Stock Options Exercised 338 439 282
Schedule of Employee Stock Ownership Plan (ESOP) Disclosures	Schedule of ESOP Compensation Expense 2022 2021 2020 ESOP Compensation Expense $ 1,457 $ 1,487 $ 1,619

Retirement Benefit Plans (Table

Retirement Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2022
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, 2022 Fair Value of Plan Assets $ 54,300 $ — $ — Benefit Obligation 39,528 6,070 6,482 Funded Status of Plan $ 14,772 $ (6,070) $ (6,482) 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) Change in Benefit Obligation Benefit Obligation, at January 1, 2022 $ 45,659 $ 6,455 $ 7,994 Service Cost 1 1,877 835 90 Interest Cost 2 1,439 225 248 Plan Participants' Contributions — — 427 Actuarial Gain (4,555) (983) (1,571) Benefits Paid (4,892) (462) (706) Benefit Obligation, at December 31, 2022 $ 39,528 $ 6,070 $ 6,482 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 Actuarial Loss (347) 332 (1,240) Benefits Paid (2,170) (470) (584) Benefit Obligation, at December 31, 2021 45,659 6,455 7,994 Change in Fair Value of Plan Assets Fair Value of Plan Assets, at January 1, 2022 $ 68,925 $ — $ — Actual Return on Plan Assets (9,733) — — Employer Contributions — 462 279 Plan Participants' Contributions — — 427 Benefits Paid (4,892) (462) (706) Fair Value of Plan Assets, at December 31, 2022 $ 54,300 $ — $ — 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 $ — $ — Accumulated Benefit Obligation at December 31, 2022 $ 39,506 $ 6,024 $ 6,482 Employees' Select Postretirement Amounts Recognized in the Consolidated Balance Sheets December 31, 2022 Prepaid Pension Asset $ 14,772 $ — — Accrued Benefit Liability — (6,070) (6,482) Net Benefit (Expense) Recognized $ 14,772 $ (6,070) $ (6,482) 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) Amounts Recognized in Other Comprehensive Income (Loss) For the Year Ended December 31, 2022 Net Unamortized Loss (Gain) Arising During the Period $ 9,492 $ (983) $ (1,571) Amortization of Net (Loss) Gain — (212) 156 Amortization of Prior Service Cost (78) (44) (106) Settlement Cost $ (577) $ — $ — Total Other Comprehensive Income (Loss) for Pension and $ 8,837 $ (1,239) $ (1,521) 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 Accumulated Other Comprehensive Income December 31, 2022 Net Actuarial Loss (Gain) $ 6,574 $ 1,453 $ (2,597) Prior Service Cost 376 370 366 Total Accumulated Other Comprehensive Income (Loss), Before Tax $ 6,950 $ 1,823 $ (2,231) 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) Employees' Select Postretirement Net Periodic Benefit Cost For the Year Ended December 31, 2022 Service Cost 1 $ 1,877 $ 835 $ 90 Interest Cost 2 1,439 225 248 Expected Return on Plan Assets 2 (4,314) — — Amortization of Prior Service Cost 2 77 44 106 Amortization of Net Loss (Gain) 2 — 212 (156) Settlement Cost 2 577 — — Net Periodic Benefit (Income) Cost $ (344) $ 1,316 $ 288 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 2 — 179 (88) Net Periodic Benefit (Income) 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 (Gain) 2 81 146 — Net Periodic Benefit (Income) Cost $ (257) $ 788 $ 539 Weighted-Average Assumptions Used in December 31, 2022 Discount Rate 5.59 % 5.61 % 5.62 % Rate of Compensation Increase 3.50 % 3.50 % 3.50 % Interest Rate Credit for Determining 3.99 % 3.99 % Interest Rates segments to Annuitize Cash 5.09%, 5.60% and 5.41% 5.09%, 5.60% and 5.41% Interest Rates to Convert Annuities to Actuarially 5.09%,5.60% and 5.41% 5.09%, 5.60% and 5.41% 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 % Employees' Select Postretirement Weighted-Average Assumptions Used in December 31, 2022 Discount Rate 3.30 % 5.61 % 3.32 % 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 % 3.99 % Interest Rates to Annuitize Cash 5.09%, 5.60% and 5.41% 5.09%, 5.60% and 5.41% Interest Rates to Convert Annuities to Actuarially 5.09%, 5.60% and 5.41% 5.09%, 5.60% and 5.41% 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 % Footnotes: 1. Included in Salaries and Employee Benefits on the Consolidated Statements of Income 2. Included in Other Operating Expense 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, 2022 Cash $ — $ — $ — $ — — % — % 15.0 % Interest-Bearing Money Market Fund 1,291 — — 1,291 2.4 % — % 15.0 % Arrow Common Stock 1 6,411 — — 6,411 11.8 % — % 10.0 % North Country Funds - Equity 2 20,714 — — 20,714 38.2 % Other Mutual Funds - Equity 15,059 — — 15,059 27.7 % Total Equity Funds 35,773 — — 35,773 65.9 % 55.0 % 85.0 % Other Mutual Funds - Fixed Income 6,094 — — 6,094 11.2 % Total Fixed Income Funds 6,094 — — 6,094 11.2 % 10.0 % 30.0 % Alternative ETF 4,731 — — 4,731 8.7 % — % 20.0 % Total $ 54,300 $ — $ — $ 54,300 100.0 % 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 % 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. North Country Funds - Fixed Income was liquidated and dissolved in 2022. Schedule of Defined Benefit Plan Disclosures Employees' Select Postretirement Expected Future Benefit Payments 2023 $ 3,192 $ 432 $ 616 2024 3,469 675 629 2025 3,215 656 637 2026 2,778 628 665 2027 3,299 630 680 2028 - 2032 15,355 2,736 2,910 Estimated Contributions During 2023 $ — $ 432 $ 616 Assumed Health Care Cost Trend Rates December 31, 2022 Health Care Cost Trend 7.75 % Rate to which the Cost Trend 4.04 % Year that the Rate Reaches 2075 December 31, 2021 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, 2022
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: 2022 2021 2020 Legal and Other Professional Fees 3,076 2,706 2,516 Postage and Courier 1,277 1,044 957 Advertising and Promotion 1,190 1,083 1,140 Stationery and Printing 805 721 713 Intangible Asset Amortization 193 210 227 Litigation Reserve Expense — 1,475 — All Other 4,490 4,285 3,411 Total Other Operating Expense $ 11,031 $ 11,524 $ 8,964

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense (Benefit)	The provision for income taxes is summarized below: Current Tax Expense: 2022 2021 2020 Federal $ 12,263 $ 10,957 $ 10,791 State 3,103 2,645 2,485 Total Current Tax Expense 15,366 13,602 13,276 Deferred Tax (Benefit) Expense: Federal (798) 712 (1,569) State (454) 233 (671) Total Deferred Tax (Benefit) Expense (1,252) 945 (2,240) Total Provision for Income Taxes $ 14,114 $ 14,547 $ 11,036
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: 2022 2021 2020 Statutory Federal Tax Rate 21.0 % 21.0 % 21.0 % (Decrease) Increase Resulting From: Tax-Exempt Income (1.4) (1.5) (2.1) Nondeductible Interest Expense — — 0.1 State Taxes, Net of Federal Income Tax Benefit 3.4 3.4 2.6 Tax benefit from stock based compensation — — (0.1) Other Items, Net (0.6) (0.3) (0.2) Effective Tax Rate 22.4 % 22.6 % 21.3 %
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, 2022 and 2021 are presented below: 2022 2021 Deferred Tax Assets: Net Unrealized Losses on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income $ 16,914 $ 211 Allowance for Credit Losses 8,199 7,440 Lease liabilities 2,821 3,142 Pension and Deferred Compensation Plans 3,571 3,309 Pension Liability Included in Accumulated Other Comprehensive Income 1,692 124 Historic Tax Credit 749 1,023 Other 745 841 Total Gross Deferred Tax Assets 34,691 16,090 Valuation Allowance for Deferred Tax Assets — — Total Gross Deferred Tax Assets, Net of Valuation Allowance $ 34,691 $ 16,090 Deferred Tax Liabilities: Pension Plans $ 5,606 $ 5,470 Depreciation 3,165 3,070 ROU assets 2,646 3,005 Deferred Income 3,266 3,778 Net Unrealized Gains on Equity Securities 272 160 Goodwill 3,416 3,428 Gain on Cash Flow Hedge Agreements 1,404 453 Other — 85 Total Gross Deferred Tax Liabilities $ 19,775 $ 19,449 Deferred Tax Asset (Liability), Net $ 14,916 $ (3,359)

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2022
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, 2022. All share and per share amounts have been adjusted for the September 23, 2022 3% stock dividend. Earnings Per Share Year-to-Date Period Ended: 12/31/2022 12/31/2021 12/31/2020 Earnings Per Share - Basic: Net Income $ 48,799 $ 49,857 $ 40,827 Weighted Average Shares - Basic 16,513 16,499 16,406 Earnings Per Share - Basic $ 2.95 $ 3.02 $ 2.49 Earnings Per Share - Diluted: Net Income $ 48,799 $ 49,857 $ 40,827 Weighted Average Shares - Basic 16,513 16,499 16,406 Dilutive Average Shares Attributable to Stock Options 49 56 16 Weighted Average Shares - Diluted 16,562 16,555 16,422 Earnings Per Share - Diluted $ 2.95 $ 3.01 $ 2.49

Fair Values (Tables)

Fair Values (Tables)	12 Months Ended
	Dec. 31, 2022
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, 2022 Assets: Securities Available-for Sale: U.S. Government & Agency Obligations $ 175,199 $ — $ 175,199 $ — State and Municipal Obligations 340 — 340 — Mortgage-Backed Securities 397,156 — 397,156 — Corporate and Other Debt Securities 800 — 800 — Total Securities Available-for-Sale 573,495 — 573,495 $ — Equity Securities 2,174 — 2,174 — Total Securities Measured on a Recurring Basis 575,669 — 575,669 — Derivatives, included in other assets 7,506 — 7,506 — Total Measured on a Recurring Basis $ 583,175 $ — $ 583,175 $ — Liabilities: Derivatives, included in other liabilities $ 7,506 $ — $ 7,506 $ — Total Measured on a Recurring Basis $ 7,506 $ — $ 7,506 $ — 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 $ — 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, 2022 Collateral Dependent Impaired Loans $ — $ — $ — $ — $ — Other Real Estate Owned and Repossessed Assets, Net 593 — — 593 — December 31, 2021 Collateral Dependent Impaired Loans $ 2,457 $ — $ — $ 2,457 $ — Other Real Estate Owned and Repossessed Assets, Net 126 — — 126 —
Fair Value, by Balance Sheet Grouping	The following table presents a summary of the carrying amount, the 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, 2022 Cash and Cash Equivalents $ 64,660 $ 64,660 $ 64,660 $ — $ — Securities Available-for-Sale 573,495 573,495 — 573,495 — Securities Held-to-Maturity 175,364 171,623 — 171,623 — Equity Securities 2,174 2,174 2,174 Federal Home Loan Bank and Federal Reserve Bank Stock 6,064 6,064 — 6,064 — Net Loans 2,953,255 2,742,721 — — 2,742,721 Accrued Interest Receivable 9,890 9,890 — 9,890 — Derivatives, included in other assets 7,506 7,506 — 7,506 — Deposits 3,498,364 3,492,021 — 3,492,021 — Federal Home Loan Bank Term Advances 27,800 27,757 — 27,757 — Junior Subordinated Obligations Issued 20,000 20,000 — 20,000 — Accrued Interest Payable 357 357 — 357 — Derivatives, included in other liabilities 7,506 7,506 — 7,506 — 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 —

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2022
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, 2022 and December 31, 2021 : Twelve Months Ended Finance Lease Amounts: Classification December 31, 2022 December 31, 2021 Right-of-Use Assets Premises and Equipment, Net $ 4,637 $ 4,814 Lease Liabilities Finance Leases 5,119 5,169 Operating Lease Amounts: Right-of-Use Assets Other Assets $ 5,627 $ 6,941 Lease Liabilities Other Liabilities 5,822 7,124 Other Information: Cash Paid For Amounts Included In The Measurement Of Lease Liabilities: Operating Outgoing Cash Flows From Finance Leases $ 193 $ 195 Operating Outgoing Cash Flows From Operating Leases 1,301 794 Financing Outgoing Cash Flows From Finance Leases 50 48 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 Weighted-average Remaining Lease Term - Finance Leases (Yrs.) 27.24 28.20 Weighted-average Remaining Lease Term - Operating Leases (Yrs.) 11.14 11.17 Weighted-average Discount Rate—Finance Leases 3.75 % 3.75 % Weighted-average Discount Rate—Operating Leases 2.92 % 2.86 % Lease cost information for the Company's leases is as follows: Three Months Ended Twelve Months Ended December 31, 2022 December 31, 2021 December 31, 2022 December 31, 2021 Lease Cost: Finance Lease Cost: Reduction in the Carrying Amount of Right-of-Use Assets $ 44 $ 44 $ 177 $ 177 Interest on Lease Liabilities 48 49 193 195 Operating Lease Cost 304 270 1,229 1,007 Short-term Lease Cost 15 19 47 47 Variable Lease Cost 81 67 334 270 Total Lease Cost $ 492 $ 449 $ 1,980 $ 1,696
Finance Lease, Liability, Maturity	Future Lease Payments at December 31, 2022 are as follows: Operating Leases Finance Leases Twelve Months Ended: 12/31/2023 $ 964 $ 243 12/31/2024 699 249 12/31/2025 637 263 12/31/2026 574 268 12/31/2027 545 268 Thereafter 3,577 7,264 Total Undiscounted Cash Flows 6,996 8,555 Less: Net Present Value Adjustment 1,174 3,436 Lease Liability $ 5,822 $ 5,119
Lessee, Operating Lease, Liability, Maturity	Future Lease Payments at December 31, 2022 are as follows: Operating Leases Finance Leases Twelve Months Ended: 12/31/2023 $ 964 $ 243 12/31/2024 699 249 12/31/2025 637 263 12/31/2026 574 268 12/31/2027 545 268 Thereafter 3,577 7,264 Total Undiscounted Cash Flows 6,996 8,555 Less: Net Present Value Adjustment 1,174 3,436 Lease Liability $ 5,822 $ 5,119

Derivative Instruments and He_2

Derivative Instruments and Hedging Activities (Tables)	12 Months Ended
	Dec. 31, 2022
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, 2022 December 31, 2021 Fair value adjustment included in other assets $ 7,506 $ 2,083 Fair value adjustment included in other liabilities 7,506 2,083 Notional amount 127,763 172,668
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, 2022 December 31, 2021 Amount of gain recognized in AOCI $ 3,467 $ 1,249 Amount of (loss) gain reclassified from AOCI interest expense (204) 126

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2022
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 and Saratoga National, are presented in the table below as of December 31, 2022 and 2021: 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, 2022 Total Capital Arrow $ 435,857 15.1 % $ 303,079 10.5 % $ 288,647 10.0 % Glens Falls National 315,458 14.3 % 231,630 10.5 % 220,600 10.0 % Saratoga National 104,279 15.5 % 70,641 10.5 % 67,277 10.0 % Tier I Capital Actual Minimum Amounts For Capital Adequacy Purposes (including "capital conservation buffer") Minimum Amounts To Be Well-Capitalized Amount Ratio Amount Ratio Amount Ratio Arrow 404,059 14.0 % 245,322 8.5 % 230,891 8.0 % Glens Falls National 292,134 13.2 % 188,117 8.5 % 177,051 8.0 % Saratoga National 95,891 14.3 % 56,998 8.5 % 53,645 8.0 % Tier I Capital Arrow 404,059 9.8 % 164,922 4.0 % 206,153 5.0 % Glens Falls National 292,134 9.0 % 129,837 4.0 % 162,297 5.0 % Saratoga National 95,891 10.5 % 36,530 4.0 % 45,662 5.0 % Common Equity Tier 1 Capital Arrow 384,003 13.3 % 202,107 7.0 % 187,671 6.5 % Glens Falls National 292,078 13.2 % 154,890 7.0 % 143,826 6.5 % Saratoga National 95,891 14.3 % 46,940 7.0 % 43,587 6.5 % 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 % 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 %

Parent Only Financial Informa_2

Parent Only Financial Information (Tables)	12 Months Ended
	Dec. 31, 2022
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 2022 2021 Interest-Bearing Deposits with Subsidiary Banks $ 1,532 $ 232 Equity Securities 2,174 1,747 Investment in Subsidiaries at Equity 354,664 377,163 Other Assets 16,458 13,061 Total Assets $ 374,828 $ 392,203 LIABILITIES Junior Subordinated Obligations Issued to $ 20,000 $ 20,000 Other Liabilities 1,290 1,017 Total Liabilities 21,290 21,017 STOCKHOLDERS’ EQUITY Total Stockholders’ Equity 353,538 371,186 Total Liabilities and Stockholders’ Equity $ 374,828 $ 392,203 STATEMENTS OF INCOME Years Ended December 31, Income: 2022 2021 2020 Dividends from Bank Subsidiaries $ 19,264 $ 15,994 $ 17,199 Interest and Dividends on Investments 49 49 49 Other Income (Including Management Fees) 1,095 664 246 Total Income 20,408 16,707 17,494 Expense: Interest Expense 685 686 746 Other Expense 1,030 879 878 Total Expense 1,715 1,565 1,624 Income Before Income Tax Benefit and Equity in Undistributed Net Income of Subsidiaries 18,693 15,142 15,870 Income Tax Benefit 257 312 431 Equity in Undistributed Net Income of Subsidiaries 29,849 34,403 24,526 Net Income $ 48,799 $ 49,857 $ 40,827 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, 2022 2021 2020 Cash Flows from Operating Activities: Net Income $ 48,799 $ 49,857 $ 40,827 Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities: Undistributed Net Income of Subsidiaries (29,849) (34,403) (24,526) Shares Issued Under the Directors’ Stock Plan 408 376 125 Changes in Other Assets and Other Liabilities (754) (462) (3,606) Net Cash Provided by Operating Activities 18,604 15,368 12,820 Cash Flows from Financing Activities: Stock Options Exercised 631 1,505 748 Shares Issued Under the Employee Stock Purchase Plan 477 481 513 Shares Issued for Dividend Reinvestment Plans 1,904 1,836 1,808 Purchase of Treasury Stock (2,872) (2,662) (1,578) Cash Dividends Paid (17,444) (16,296) (15,740) Net Cash Used in Financing Activities (17,304) (15,136) (14,249) Net Increase (Decrease) in Cash and Cash Equivalents 1,300 232 (1,429) Cash and Cash Equivalents at Beginning of the Year 232 — 1,429 Cash and Cash Equivalents at End of the Year $ 1,532 $ 232 $ — Supplemental Disclosures to Statements of Interest Paid $ 685 $ 686 $ 746

Risks and Uncertainties - Narra

Risks and Uncertainties - Narrative (Details)	12 Months Ended
	Dec. 31, 2022 subsidiaryBusinessTrust bank
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, 2022 USD ($) plan shares	Dec. 31, 2021 USD ($) shares
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%
Outstanding balance on ESOP loan | $	$ 0	$ 0
Unallocated shares (in shares) | shares	0	0
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	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash and Cash Equivalents [Abstract]
Cash and Due From Banks	$ 31,886	$ 26,978
Interest-Bearing Deposits at Banks	32,774	430,718
Total Cash and Cash Equivalents	64,660	457,696	$ 380,991	$ 70,221
Increase in finance receivables	315,000
Decrease in deposits	$ 52,133	$ (315,771)	$ (618,672)

Investment Securities Schedule

Investment Securities Schedule of Available for Sale Securities (Details)	Dec. 31, 2022 USD ($) security	Dec. 31, 2021 USD ($) security
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	$ 639,095,000	$ 560,142,000
Gross Unrealized Gains	80,000	3,680,000
Gross Unrealized Losses	(65,680,000)	(4,506,000)
Available-For-Sale Securities, at Fair Value	573,495,000	559,316,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	710,000
From 1 - 5 Years	431,322,000
From 5 - 10 Years	207,063,000
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	687,000
From 1 - 5 Years	397,311,000
From 5 - 10 Years	175,497,000
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	250,558,000	337,380,000
12 Months or Longer	293,555,000	30,014,000
Total	$ 544,113,000	$ 367,394,000
Number of Securities in a Continuous Loss Position | security	174	54
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 22,066,000	$ 3,520,000
12 Months or Longer	43,614,000	986,000
Total	65,680,000	4,506,000
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	190,000,000	110,000,000
Gross Unrealized Gains	15,000	63,000
Gross Unrealized Losses	(14,816,000)	(1,698,000)
Available-For-Sale Securities, at Fair Value		108,365,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	0
From 1 - 5 Years	190,000,000
From 5 - 10 Years	0
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	0
From 1 - 5 Years	175,199,000
From 5 - 10 Years	0
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	66,690,000	74,088,000
12 Months or Longer	93,493,000	29,214,000
Total	$ 160,183,000	$ 103,302,000
Number of Securities in a Continuous Loss Position | security	23	14
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 3,310,000	$ 912,000
12 Months or Longer	11,506,000	786,000
Total	14,816,000	1,698,000
U.S. Government & Agency Obligations | Agency Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	190,000,000	110,000,000
Available-For-Sale Securities, at Fair Value	175,199,000	108,365,000
State and Municipal Obligations
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	340,000	400,000
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Available-For-Sale Securities, at Fair Value		400,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	20,000
From 1 - 5 Years	0
From 5 - 10 Years	320,000
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	20,000
From 1 - 5 Years	0
From 5 - 10 Years	320,000
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	447,755,000	448,742,000
Gross Unrealized Gains	65,000	3,617,000
Gross Unrealized Losses	(50,664,000)	(2,608,000)
Available-For-Sale Securities, at Fair Value		449,751,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	690,000
From 1 - 5 Years	241,322,000
From 5 - 10 Years	205,743,000
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	667,000
From 1 - 5 Years	222,112,000
From 5 - 10 Years	174,377,000
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	183,868,000	263,292,000
12 Months or Longer	199,262,000	0
Total	$ 383,130,000	$ 263,292,000
Number of Securities in a Continuous Loss Position | security	150	39
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 18,756,000	$ 2,608,000
12 Months or Longer	31,908,000	0
Total	50,664,000	2,608,000
Mortgage- Backed Securities | US Government Agencies Debt Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	7,934,000	9,386,000
Available-For-Sale Securities, at Fair Value	7,433,000	9,371,000
Mortgage- Backed Securities | US Government-sponsored Enterprises Debt Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	439,821,000	439,356,000
Available-For-Sale Securities, at Fair Value	389,723,000	440,380,000
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	$ 308,266,000	$ 298,106,000

Investment Securities Schedul_2

Investment Securities Schedule of Held to Maturity Securities (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) security	Dec. 31, 2021 USD ($) security
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	$ 175,364,000	$ 196,566,000
Gross Unrealized Gains	1,000	4,726,000
Gross Unrealized Losses	(3,742,000)	0
Held-To-Maturity Securities, at Fair Value	171,623,000	201,292,000
Held-To-Maturity Securities, Pledged as Collateral, at Fair Value	142,982,000	175,218,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	52,522,000
From 1 - 5 Years	119,997,000
From 5 - 10 Years	2,806,000
Over 10 Years	39,000
Maturities of Debt Securities, at Fair Value:
Within One Year	52,233,000
From 1 - 5 Years	116,567,000
From 5 - 10 Years	2,784,000
Over 10 Years	39,000
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	148,926,000	0
12 Months or Longer	0	0
Total	$ 148,926,000	$ 0
Number of Securities in a Continuous Loss Position | security	413	0
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 3,742,000	$ 0
12 Months or Longer	0	0
Total	3,742,000	0
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	163,600,000	180,195,000
Gross Unrealized Gains	1,000	4,179,000
Gross Unrealized Losses	(3,131,000)	0
Held-To-Maturity Securities, at Fair Value	160,470,000	184,374,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	52,522,000
From 1 - 5 Years	108,233,000
From 5 - 10 Years	2,806,000
Over 10 Years	39,000
Maturities of Debt Securities, at Fair Value:
Within One Year	52,233,000
From 1 - 5 Years	105,414,000
From 5 - 10 Years	2,784,000
Over 10 Years	39,000
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	137,773,000	0
12 Months or Longer	0	0
Total	$ 137,773,000	$ 0
Number of Securities in a Continuous Loss Position | security	397	0
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 3,131,000	$ 0
12 Months or Longer	0	0
Total	3,131,000	0
Mortgage- Backed Securities
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	11,764,000	16,371,000
Gross Unrealized Gains	0	547,000
Gross Unrealized Losses	(611,000)	0
Held-To-Maturity Securities, at Fair Value	11,153,000	16,918,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	0
From 1 - 5 Years	11,764,000
From 5 - 10 Years	0
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	0
From 1 - 5 Years	11,153,000
From 5 - 10 Years	0
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	11,153,000	0
12 Months or Longer	0	0
Total	$ 11,153,000	$ 0
Number of Securities in a Continuous Loss Position | security	16	0
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 611,000	$ 0
12 Months or Longer	0	0
Total	611,000	0
Agency Securities | Mortgage- Backed Securities
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	3,898,000	5,518,000
Agency Securities | Mortgage- Backed Securities | Fair Value, Measurements, Recurring
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Fair Value	3,687,000	5,647,000
US Government-sponsored Enterprises Debt Securities | Mortgage- Backed Securities
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	7,866,000	10,853,000
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	$ 7,466,000	$ 11,271,000

Investment Securities Equity Se

Investment Securities Equity Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Equity Securities, at Fair Value	$ 2,174	$ 1,747
Net Gain (Loss) on Equity Securities	427	111	$ (427)
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	$ 427	$ 111

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, 2022	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Federal Reserve Bank Stock	$ 1,180	$ 1,161
Federal Home Loan Bank Stock	4,884	4,219
Total Federal Reserve Bank and Federal Home Loan Bank Stock	$ 6,064	$ 5,380

Loans - Categories and Past Due

Loans - Categories and Past Due Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Past Due [Line Items]
Loans receivable, held-for-sale	$ 656	$ 1,154
Loans	2,983,207	2,667,941
Loans 90 or More Days Past Due and Still Accruing Interest	1,157	823
Nonaccrual Loans	10,757	10,764
Nonaccrual With No Allowance for Credit Loss	10,757
Interest Income on Nonaccrual Loans	5
Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	28,907	17,173
Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Loans	15,908	7,022
Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Loans	4,662	5,269
Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Loans	8,337	4,882
Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,954,300	2,650,768
Commercial
Financing Receivable, Past Due [Line Items]
Loans	140,293	172,518
Loans 90 or More Days Past Due and Still Accruing Interest	44	157
Nonaccrual Loans	8	34
Nonaccrual With No Allowance for Credit Loss	8
Interest Income on Nonaccrual Loans	0
Commercial | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	125	362
Commercial | Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Loans	48	202
Commercial | Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Loans	33	3
Commercial | Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Loans	44	157
Commercial | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Loans	140,168	172,156
Commercial Real Estate
Financing Receivable, Past Due [Line Items]
Loans	707,022	628,929
Loans 90 or More Days Past Due and Still Accruing Interest	0	0
Nonaccrual Loans	3,110	7,243
Nonaccrual With No Allowance for Credit Loss	3,110
Interest Income on Nonaccrual Loans	0
Commercial Real Estate | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	370	1,180
Commercial Real Estate | Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Loans	370	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	0	1,180
Commercial Real Estate | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Loans	706,652	627,749
Consumer
Financing Receivable, Past Due [Line Items]
Loans	1,065,135	920,556
Loans 90 or More Days Past Due and Still Accruing Interest	0	0
Nonaccrual Loans	3,503	1,697
Nonaccrual With No Allowance for Credit Loss	3,503
Interest Income on Nonaccrual Loans	0
Consumer | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	21,677	10,986
Consumer | Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Loans	13,657	6,713
Consumer | Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Loans	4,517	2,709
Consumer | Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Loans	3,503	1,564
Consumer | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,043,458	909,570
Residential
Financing Receivable, Past Due [Line Items]
Loans	1,070,757	945,938
Loans 90 or More Days Past Due and Still Accruing Interest	1,113	666
Nonaccrual Loans	4,136	1,790
Nonaccrual With No Allowance for Credit Loss	4,136
Interest Income on Nonaccrual Loans	5
Residential | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	6,735	4,645
Residential | Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Loans	1,833	107
Residential | Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Loans	112	2,557
Residential | Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Loans	4,790	1,981
Residential | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Loans	$ 1,064,022	$ 941,293

Loans - Narrative (Details)

Loans - Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) loan loan_portfolio	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, number of loan portfolios | loan_portfolio	4
Provision	$ 4,798	$ 272	$ 9,319
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	$ 5,073	7,405
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision	2,289	1,229
Financing receivable, individually evaluated for impairment	0	$ 0
Mortgage loans in process of foreclosure, amount	$ 3,200
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 - Supplemental Informatio

Loans - Supplemental Information (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Receivables [Abstract]
Unamortized deferred loan origination costs, net of deferred loan   origination fees, included in the above balances	$ 6,774	$ 5,179
Overdrawn deposit accounts, included in the above balances	298	182
Pledged loans  under a blanket collateral agreement to secure borrowings from the Federal Home Loan Bank of New York	663,259	778,902
Residential real estate loans serviced for Freddie Mac, not included    in the balances above	$ 195,133	$ 215,209

Loans - Allowance for Loan Loss

Loans - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	$ 27,281	$ 29,232
Charge-offs	(4,143)	(2,239)
Recoveries	2,016	1,316
Provision	4,798	272	$ 9,319
Allowance for Loan Losses, Ending balance	29,952	27,281	29,232
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Ending Loan Balance - Collectively Evaluated	2,978,134	2,660,536
Allowance for Credit Losses - Loans Collectively Evaluated	29,952	26,682
Ending Loan Balance - Individually Evaluated	5,073	7,405
Allowance for Credit Losses - Loans Individually Evaluated	0	599
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	2,298	2,173
Charge-offs	(34)	(98)
Recoveries	43	190
Provision	(346)	(2,051)
Allowance for Loan Losses, Ending balance	1,961	2,298	2,173
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Ending Loan Balance - Collectively Evaluated	140,293	172,518
Allowance for Credit Losses - Loans Collectively Evaluated	1,961	2,298
Ending Loan Balance - Individually Evaluated	0	0
Allowance for Credit Losses - Loans Individually Evaluated	0	0
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	13,136	9,990
Charge-offs	0	0
Recoveries	0	0
Provision	2,077	1,082
Allowance for Loan Losses, Ending balance	15,213	13,136	9,990
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Ending Loan Balance - Collectively Evaluated	703,912	622,197
Allowance for Credit Losses - Loans Collectively Evaluated	15,213	12,537
Ending Loan Balance - Individually Evaluated	3,110	6,732
Allowance for Credit Losses - Loans Individually Evaluated	0	599
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	2,402	11,562
Charge-offs	(4,079)	(2,132)
Recoveries	1,973	1,126
Provision	2,289	1,229
Allowance for Loan Losses, Ending balance	2,585	2,402	11,562
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Ending Loan Balance - Collectively Evaluated	1,065,135	920,556
Allowance for Credit Losses - Loans Collectively Evaluated	2,585	2,402
Ending Loan Balance - Individually Evaluated	0	0
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	9,445	5,507
Charge-offs	(30)	(9)
Recoveries	0	0
Provision	778	12
Allowance for Loan Losses, Ending balance	10,193	9,445	5,507
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Ending Loan Balance - Collectively Evaluated	1,068,794	945,265
Allowance for Credit Losses - Loans Collectively Evaluated	10,193	9,445
Ending Loan Balance - Individually Evaluated	1,963	673
Allowance for Credit Losses - Loans Individually Evaluated	$ 0	0
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 - Amortized Cost Basis of

Loans - Amortized Cost Basis of Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	$ 2,953,255	$ 2,640,660
Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	5,073	7,405
Real Estate | Commercial
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0	0
Real Estate | Commercial Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	3,110	6,732
Real Estate | Consumer
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0	0
Real Estate | Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	1,963	673
Residential Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	1,963	673
Residential Real Estate | Commercial
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0	0
Residential Real Estate | Commercial Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0	0
Residential Real Estate | Consumer
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0	0
Residential Real Estate | Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	1,963	673
Commercial Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	3,110	6,732
Commercial Real Estate | Commercial
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0	0
Commercial Real Estate | Commercial Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	3,110	6,732
Commercial Real Estate | Consumer
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0	0
Commercial Real Estate | Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	$ 0	$ 0

Loans - Credit Quality Indicato

Loans - Credit Quality Indicators (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Credit Quality Indicator [Line Items]
2022	$ 899,034	$ 817,694
2021	628,578	726,209
2020	429,480	308,232
2019	224,846	221,110
2018	191,012	153,542
Prior	483,884	307,084
Revolving Loans Amortized Cost Basis	126,373	134,070
Revolving Loan Converted to Term	0	0
Total	2,983,207	2,667,941
Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
2022	42,038	79,156
2021	28,718	39,313
2020	17,125	12,183
2019	8,335	11,661
2018	8,129	7,817
Prior	23,873	9,353
Revolving Loans Amortized Cost Basis	12,075	13,035
Revolving Loan Converted to Term	0	0
Total	140,293	172,518
Commercial | Satisfactory
Financing Receivable, Credit Quality Indicator [Line Items]
2022	42,038	75,615
2021	28,718	35,522
2020	16,870	11,591
2019	7,857	11,661
2018	8,129	7,792
Prior	20,379	3,442
Revolving Loans Amortized Cost Basis	8,909	12,783
Revolving Loan Converted to Term	0	0
Total	132,900	158,406
Commercial | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	0
2021	0	0
2020	0	3
2019	0	0
2018	0	0
Prior	30	5,899
Revolving Loans Amortized Cost Basis	30	0
Revolving Loan Converted to Term	0	0
Total	60	5,902
Commercial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	3,541
2021	0	3,791
2020	255	589
2019	478	0
2018	0	25
Prior	3,464	12
Revolving Loans Amortized Cost Basis	3,136	252
Revolving Loan Converted to Term	0	0
Total	7,333	8,210
Commercial | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loan Converted to Term	0	0
Total	0	0
Commercial Real Estate
Financing Receivable, Credit Quality Indicator [Line Items]
2022	163,143	147,884
2021	115,111	300,759
2020	127,618	47,483
2019	44,459	38,093
2018	69,073	22,292
Prior	185,794	70,471
Revolving Loans Amortized Cost Basis	1,824	1,947
Revolving Loan Converted to Term	0	0
Total	707,022	628,929
Commercial Real Estate | Satisfactory
Financing Receivable, Credit Quality Indicator [Line Items]
2022	152,858	140,636
2021	115,111	276,461
2020	121,811	42,369
2019	43,647	37,997
2018	63,913	22,155
Prior	159,876	59,698
Revolving Loans Amortized Cost Basis	1,603	1,923
Revolving Loan Converted to Term	0	0
Total	658,819	581,239
Commercial Real Estate | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
2022	9,678	0
2021	0	7,893
2020	0	1,204
2019	0	0
2018	789	137
Prior	241	1,906
Revolving Loans Amortized Cost Basis	0	0
Revolving Loan Converted to Term	0	0
Total	10,708	11,140
Commercial Real Estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2022	607	7,248
2021	0	16,405
2020	5,807	3,910
2019	812	96
2018	4,371	0
Prior	25,677	8,867
Revolving Loans Amortized Cost Basis	221	24
Revolving Loan Converted to Term	0	0
Total	37,495	36,550
Commercial Real Estate | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	0
2021	0	0
2020	0	0
2019	0	0
2018	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loan Converted to Term	0	0
Total	0	0
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
2022	483,288	402,946
2021	286,299	239,891
2020	155,426	155,019
2019	88,490	82,824
2018	39,009	29,747
Prior	12,119	9,674
Revolving Loans Amortized Cost Basis	504	455
Revolving Loan Converted to Term	0	0
Total	1,065,135	920,556
Consumer | Performing
Financing Receivable, Credit Quality Indicator [Line Items]
2022	482,530	402,558
2021	284,831	239,492
2020	154,819	154,517
2019	88,165	82,673
2018	38,852	29,587
Prior	12,032	9,578
Revolving Loans Amortized Cost Basis	504	455
Revolving Loan Converted to Term	0	0
Total	1,061,733	918,860
Consumer | Nonperforming
Financing Receivable, Credit Quality Indicator [Line Items]
2022	758	388
2021	1,468	399
2020	607	502
2019	325	151
2018	157	160
Prior	87	96
Revolving Loans Amortized Cost Basis	0	0
Revolving Loan Converted to Term	0	0
Total	3,402	1,696
Residential
Financing Receivable, Credit Quality Indicator [Line Items]
2022	210,565	187,708
2021	198,450	146,246
2020	129,311	93,547
2019	83,562	88,532
2018	74,801	93,686
Prior	262,098	217,586
Revolving Loans Amortized Cost Basis	111,970	118,633
Revolving Loan Converted to Term	0	0
Total	1,070,757	945,938
Residential | Performing
Financing Receivable, Credit Quality Indicator [Line Items]
2022	210,565	187,708
2021	198,195	146,113
2020	128,372	93,547
2019	82,965	88,505
2018	74,281	93,524
Prior	259,787	215,679
Revolving Loans Amortized Cost Basis	111,563	118,595
Revolving Loan Converted to Term	0	0
Total	1,065,728	943,671
Residential | Nonperforming
Financing Receivable, Credit Quality Indicator [Line Items]
2022	0	0
2021	255	133
2020	939	0
2019	597	27
2018	520	162
Prior	2,311	1,907
Revolving Loans Amortized Cost Basis	407	38
Revolving Loan Converted to Term	0	0
Total	$ 5,029	$ 2,267

Loans Modified in Trouble Debt

Loans Modified in Trouble Debt Restructurings (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) contract loan	Dec. 31, 2021 USD ($) loan contract
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	3	1
Pre-Modification Outstanding Recorded Investment	$ 28	$ 16
Post-Modification Outstanding Recorded Investment	$ 28	$ 16
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	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
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	3	1
Pre-Modification Outstanding Recorded Investment	$ 28	$ 16
Post-Modification Outstanding Recorded Investment	$ 28	$ 16
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, 2022	Dec. 31, 2021
Property, Plant and Equipment [Line Items]
Total Cost	$ 97,340	$ 83,754
Accumulated Depreciation and Amortization	(45,486)	(42,351)
Net Owned Premises and Equipment	51,854	41,403
Leased Assets (see Note 18)	4,637	4,814
Net Premises and Equipment	56,491	46,217
Land and Bank Premises
Property, Plant and Equipment [Line Items]
Total Cost	41,295	40,848
Equipment, Furniture and Fixtures
Property, Plant and Equipment [Line Items]
Total Cost	50,962	38,496
Leasehold Improvements
Property, Plant and Equipment [Line Items]
Total Cost	$ 5,083	$ 4,410

Premises and Equipment Suppleme

Premises and Equipment Supplemental Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Property, Plant and Equipment [Abstract]
Depreciation	$ 3,330	$ 2,993	$ 2,758

Other Intangible Assets Schedul

Other Intangible Assets Schedule of Finite-Lived Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 9,925	$ 9,915
Accumulated Amortization	(8,425)	(7,997)
Net Carrying Amount	1,500	1,918	$ 1,950
Rollforward of Intangible Assets:
Beginning balance	1,918	1,950	1,661
Intangible Assets Acquired	10	436	621
Intangible Assets Disposed	0	0	0
Amortization of Intangible Assets	(428)	(468)	(332)
Ending balance	1,500	1,918	1,950
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	3,296	3,286
Accumulated Amortization	(2,511)	(2,276)
Net Carrying Amount	785	1,010	832
Rollforward of Intangible Assets:
Beginning balance	1,010	832	316
Intangible Assets Acquired	10	436	621
Intangible Assets Disposed	0	0	0
Amortization of Intangible Assets	(235)	(258)	(105)
Ending balance	785	1,010	832
Customer Intangibles
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	4,382	4,382
Accumulated Amortization	(3,667)	(3,474)
Net Carrying Amount	715	908	1,118
Rollforward of Intangible Assets:
Beginning balance	908	1,118	1,345
Intangible Assets Acquired	0	0	0
Intangible Assets Disposed	0	0	0
Amortization of Intangible Assets	(193)	(210)	(227)
Ending balance	$ 715	$ 908	$ 1,118

Other Intangible Assets Sched_2

Other Intangible Assets Schedule of Finite-Lived Intangible Assets, Future Amortization Expense (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Finite-Lived Intangible Assets [Line Items]
2023	$ 391
2024	361
2025	302
2026	233
2027	97
2028 and beyond	116
Net Carrying Amount	1,500	$ 1,918	$ 1,950	$ 1,661
Mortgage Servicing Rights
Finite-Lived Intangible Assets [Line Items]
2023	215
2024	206
2025	195
2026	144
2027	25
2028 and beyond	0
Net Carrying Amount	785	1,010	832	316
Customer Intangibles
Finite-Lived Intangible Assets [Line Items]
2023	176
2024	155
2025	107
2026	89
2027	72
2028 and beyond	116
Net Carrying Amount	$ 715	$ 908	$ 1,118	$ 1,345

Commitments and Contingencies_2

Commitments and Contingencies (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Guarantor Obligations [Line Items]
Litigation settlement, amount awarded to other party	$ 1,475
Commitments to Extend Credit
Guarantor Obligations [Line Items]
Notional Amount	424,197	$ 402,280
Fair Value	0	0
Standby Letters of Credit
Guarantor Obligations [Line Items]
Notional Amount	3,627	3,223
Fair Value	$ 2	$ 24
Standby Letters of Credit | Minimum
Guarantor Obligations [Line Items]
Loan commitments, fixed fee percent	1%
Standby Letters of Credit | Maximum
Guarantor Obligations [Line Items]
Loan commitments, fixed fee percent	3%

Time Deposits (Details)

Time Deposits (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Maturities of Time Deposits [Abstract]
2023	$ 145,253
2024	42,462
2025	13,166
2026	4,263
2027	4,291
2028 and beyond	0
Total	$ 209,435

Debt Schedule of Short Term Deb

Debt Schedule of Short Term Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Short-term Debt [Line Items]
Federal Home Loan Bank Overnight Advances	$ 27,000	$ 0
Total Short-Term Borrowings	27,000	0
Federal Home Loan Bank of New York	663,259	778,902
Federal Funds Purchased
Short-term Debt [Line Items]
Maximum Borrowing Capacity	52,000	52,000
Available Borrowing Capacity	52,000	52,000
Federal Home Loan Bank of New York
Short-term Debt [Line Items]
Available Borrowing Capacity	608,458	733,902
Federal Reserve Bank of New York
Short-term Debt [Line Items]
Maximum Borrowing Capacity	649,112	594,034
Available Borrowing Capacity	$ 649,112	$ 594,034

Debt - Narrative (Details)

Debt - Narrative (Details) $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($) subsidiaryBusinessTrust class
Debt Instrument [Line Items]
Number of classes of financial instruments | class	2
Number of business subsidiary trusts | subsidiaryBusinessTrust	2
Federal Reserve Bank of New York
Debt Instrument [Line Items]
Collateral, at carrying cost	$ 939
Collateral, at fair value	890
Federal Home Loan Bank of New York
Debt Instrument [Line Items]
Collateral, at carrying cost	899
Collateral, at fair value	800
Interest Rate Swap
Debt Instrument [Line Items]
Amount of hedged item	$ 20
ACST III | London Interbank Offered Rate (LIBOR)
Debt Instrument [Line Items]
Basis spread on variable rate	2%
ACST III | Secured Overnight Financing Rate (SOFR)
Debt Instrument [Line Items]
Basis spread on variable rate	2%
Junior Subordinated Debt, Preferred Securities | ACST II | London Interbank Offered Rate (LIBOR)
Debt Instrument [Line Items]
Basis spread on variable rate	3.15%
Junior Subordinated Debt, Preferred Securities | ACST II | Secured Overnight Financing Rate (SOFR)
Debt Instrument [Line Items]
Basis spread on variable rate	3.15%

Debt Maturities of Long Term De

Debt Maturities of Long Term Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Balances
First Year	$ 27,800	$ 5,000
Second Year	0	20,000
Third Year	0	20,000
Fourth Year	0	0
Fifth Year	0	0
Total	$ 27,800	$ 45,000
Weighted Average Rate
First Year	2.70%	1.81%
Second Year	0%	1.75%
Third Year	0%	1.76%
Fourth Year	0%	0%
Fifth Year	0%	0%
Total	2.70%	1.77%

Debt Schedule of Long-term Debt

Debt Schedule of Long-term Debt instruments (Details) - Junior Subordinated Debt - USD ($)	Dec. 31, 2022	Dec. 31, 2021
ACST II
Debt Instrument [Line Items]
Face amount	$ 10,000,000	$ 10,000,000
Variable Interest Rate	6.82%	3.28%
Fixed Interest Rate resulting from cash flow hedge agreement	4%	4%
ACST III
Debt Instrument [Line Items]
Face amount	$ 10,000,000	$ 10,000,000
Variable Interest Rate	5.67%	2.13%
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, 2022	Dec. 31, 2021	Dec. 31, 2020
Before-Tax Amount
Other comprehensive income (loss)	$ (67,180)	$ 1,563	$ 7,446
Tax Expense (Benefit)
Other comprehensive income (loss)	17,178	(400)	(1,905)
Net-of-Tax Amount
Other comprehensive (loss) income before reclassifications	(50,364)	1,016	5,187
Reclassification from AOCI, current period	362	147	354
Other Comprehensive (Loss) Income	(50,002)	1,163	5,541
Net Unrealized Securities Holding Losses Arising During the Period
Before-Tax Amount
OCI, before reclassifications	(64,774)	(8,616)	7,129
Tax Expense (Benefit)
Other Comprehensive Income (Loss) before Reclassifications, Tax	16,547	2,203	(1,823)
Net-of-Tax Amount
Other comprehensive (loss) income before reclassifications	(48,227)	(6,413)	5,306
Reclassification from AOCI, current period	0	0	28
Other Comprehensive (Loss) Income	(48,227)	(6,413)	5,334
Reclassification Adjustment for Securities Losses Included in Net Income
Before-Tax Amount
Other comprehensive income (loss)			37
Tax Expense (Benefit)
Other comprehensive income (loss)			(9)
Net-of-Tax Amount
Other Comprehensive (Loss) Income			28
Net Unrealized Gains (Losses) on Cash Flow Swap
Before-Tax Amount
OCI, before reclassifications	3,467	1,249	651
Reclassification from AOCI, current period	204	(126)
Tax Expense (Benefit)
Other Comprehensive Income (Loss) before Reclassifications, Tax	(885)	(320)	(166)
Reclassification from AOCI, current period	(52)	32
Net-of-Tax Amount
Other comprehensive (loss) income before reclassifications	2,582	929	485
Reclassification from AOCI, current period	152	(94)	0
Other Comprehensive (Loss) Income	2,734	835	485
Net Actuarial Gain (Loss)
Before-Tax Amount
OCI, before reclassifications	(6,938)	8,733	(337)
Reclassification from AOCI, current period	56	91	227
Tax Expense (Benefit)
Other Comprehensive Income (Loss) before Reclassifications, Tax	1,791	(2,233)	86
Reclassification from AOCI, current period	(15)	(23)	(58)
Net-of-Tax Amount
Other comprehensive (loss) income before reclassifications	(5,147)	6,500	(251)
Reclassification from AOCI, current period	41	68	169
Other Comprehensive (Loss) Income	(5,106)	6,568	(82)
Settlement Cost
Before-Tax Amount
Reclassification from AOCI, current period	577
Tax Expense (Benefit)
Reclassification from AOCI, current period	(149)
Net-of-Tax Amount
Reclassification from AOCI, current period	428
Net Prior Service (Cost) Credit
Before-Tax Amount
OCI, before reclassifications			(472)
Reclassification from AOCI, current period	228	232	211
Tax Expense (Benefit)
Other Comprehensive Income (Loss) before Reclassifications, Tax			119
Reclassification from AOCI, current period	(59)	(59)	(54)
Net-of-Tax Amount
Other comprehensive (loss) income before reclassifications	428	0	(353)
Reclassification from AOCI, current period	169	173	157
Other Comprehensive (Loss) Income	$ 597	$ 173	$ (196)

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, 2022	Dec. 31, 2021	Dec. 31, 2020
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	$ 371,186	$ 334,392	$ 301,728
Other comprehensive (loss) income before reclassifications	(50,364)	1,016	5,187
Amounts reclassified from accumulated other comprehensive (loss) income	362	147	354
Other Comprehensive (Loss) Income	(50,002)	1,163	5,541
Ending balance	353,538	371,186	334,392
Accumulated Other Comprehensive Income (Loss)
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	347	(816)	(6,357)
Other Comprehensive (Loss) Income	(50,002)	1,163	5,541
Ending balance	(49,655)	347	(816)
Net Unrealized Securities Holding Losses Arising During the Period
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(614)	5,799	465
Other comprehensive (loss) income before reclassifications	(48,227)	(6,413)	5,306
Amounts reclassified from accumulated other comprehensive (loss) income	0	0	28
Other Comprehensive (Loss) Income	(48,227)	(6,413)	5,334
Ending balance	(48,841)	(614)	5,799
Unrealized Gain on Cash Flow Swap
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	1,320	485	0
Other comprehensive (loss) income before reclassifications	2,582	929	485
Amounts reclassified from accumulated other comprehensive (loss) income	152	(94)	0
Other Comprehensive (Loss) Income	2,734	835	485
Ending balance	4,054	1,320	485
Net Actuarial Gain (Loss)
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	639	(5,929)	(5,847)
Other comprehensive (loss) income before reclassifications	(5,147)	6,500	(251)
Amounts reclassified from accumulated other comprehensive (loss) income	41	68	169
Other Comprehensive (Loss) Income	(5,106)	6,568	(82)
Ending balance	(4,467)	639	(5,929)
Net Prior Service (Cost) Credit
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(998)	(1,171)	(975)
Other comprehensive (loss) income before reclassifications	428	0	(353)
Amounts reclassified from accumulated other comprehensive (loss) income	169	173	157
Other Comprehensive (Loss) Income	597	173	(196)
Ending balance	$ (401)	$ (998)	$ (1,171)

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, 2022	Dec. 31, 2021	Dec. 31, 2020
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Interest expense	$ 11,308	$ 5,195	$ 12,694
Salaries and Employee Benefits	47,003	44,798	42,061
Total before tax	62,913	64,404	51,863
Provision for Income Taxes	(14,114)	(14,547)	(11,036)
NET INCOME	48,799	49,857	40,827
Reclassification out of Accumulated Other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
NET INCOME			(354)
Net Unrealized Gains (Losses) on Cash Flow Swap | Reclassification out of Accumulated Other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Interest expense	(204)	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	(228)	(232)	(211)
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	(56)	(91)	(227)
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	(488)	(197)	(438)
Provision for Income Taxes	126	50	112
NET INCOME	$ (362)	$ (147)	(326)
Net Unrealized Securities Holding Losses Arising During the Period | 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, 2022 USD ($) plan shares		Sep. 23, 2022	Dec. 31, 2021 USD ($) shares	Dec. 31, 2020
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of compensation plans | plan	3
Stock dividend, percent	300%	[1]	300%	300%	300%
Expiration period (in years)	10 years
Award vesting period (in years)	4 years
Discount from market price	5%
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%
[1]Included in the shares issued for the 3% stock dividend in 2022 were treasury shares of 142,746

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, 2022	Dec. 31, 2021	Dec. 31, 2020
Share-Based Payment Arrangement [Abstract]
Shares Available for Grant at Period-End (in shares)	463,500
Shares
Outstanding, Beginning Balance (in shares)	278,899
Granted (in shares)	58,710	58,880	55,511
Exercised (in shares)	(28,571)
Forfeited (in shares)	(29,988)
Outstanding, Ending Balance (in shares)	279,050	278,899
Exercisable (in shares)	156,388
Vested and Expected to Vest (in shares)	122,662
Weighted Average Exercise Price
Beginning balance (in dollars per share)	$ 27.62
Granted (in dollars per share)	34.79
Exercised (in dollars per share)	22.08
Forfeited (in dollars per share)	30.21
Ending balance (in dollars per share)	29.41	$ 27.62
Exercisable (in dollars per share)	27.63
Vested and Expected to Vest (in dollars per share)	$ 31.68
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Outstanding (in years)	6 years 4 months 9 days
Exercisable (in years)	4 years 11 months 15 days
Vested and Expected to Vest (in years)	8 years 1 month 20 days
Aggregate Intrinsic Value
Outstanding	$ 1,250
Exercisable	979
Vested and Expected to Vest	$ 272

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, 2022 $ / shares shares
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 29.41
Number of Stock Options Outstanding (in shares) | shares	279,050
Weighted-Average Remaining Contractual Life (in years)	6 years 4 months 9 days
Number of Stock Options Outstanding (in shares) | shares	156,338
Weighted-Average Remaining Contractual Life (in years)	4 years 11 months 15 days
Weighted-Average Exercise Price (in dollars per share)	$ 27.63
Exercise Price Range 1
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 18.60
Number of Stock Options Outstanding (in shares) | shares	3,849
Weighted-Average Remaining Contractual Life (in years)	1 month 2 days
Number of Stock Options Outstanding (in shares) | shares	3,849
Weighted-Average Remaining Contractual Life (in years)	1 month 2 days
Weighted-Average Exercise Price (in dollars per share)	$ 18.60
Exercise Price Range 2
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 19.54
Number of Stock Options Outstanding (in shares) | shares	9,338
Weighted-Average Remaining Contractual Life (in years)	1 year 29 days
Number of Stock Options Outstanding (in shares) | shares	9,338
Weighted-Average Remaining Contractual Life (in years)	1 year 29 days
Weighted-Average Exercise Price (in dollars per share)	$ 19.54
Exercise Price Range 3
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 20.82
Number of Stock Options Outstanding (in shares) | shares	19,868
Weighted-Average Remaining Contractual Life (in years)	2 years 7 months 9 days
Number of Stock Options Outstanding (in shares) | shares	19,868
Weighted-Average Remaining Contractual Life (in years)	2 years 7 months 9 days
Weighted-Average Exercise Price (in dollars per share)	$ 20.82
Exercise Price Range 4
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 27.85
Number of Stock Options Outstanding (in shares) | shares	49,996
Weighted-Average Remaining Contractual Life (in years)	8 years 29 days
Number of Stock Options Outstanding (in shares) | shares	13,783
Weighted-Average Remaining Contractual Life (in years)	8 years 29 days
Weighted-Average Exercise Price (in dollars per share)	$ 27.85
Exercise Price Range 5
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 28.22
Number of Stock Options Outstanding (in shares) | shares	69,780
Weighted-Average Remaining Contractual Life (in years)	5 years 7 months 17 days
Number of Stock Options Outstanding (in shares) | shares	58,656
Weighted-Average Remaining Contractual Life (in years)	5 years 6 months 14 days
Weighted-Average Exercise Price (in dollars per share)	$ 28.24
Exercise Price Range 6
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 31.85
Number of Stock Options Outstanding (in shares) | shares	72,659
Weighted-Average Remaining Contractual Life (in years)	5 years 11 months 1 day
Number of Stock Options Outstanding (in shares) | shares	49,814
Weighted-Average Remaining Contractual Life (in years)	5 years 4 months 20 days
Weighted-Average Exercise Price (in dollars per share)	$ 31.65
Exercise Price Range 7
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 34.79
Number of Stock Options Outstanding (in shares) | shares	53,560
Weighted-Average Remaining Contractual Life (in years)	9 years 25 days
Number of Stock Options Outstanding (in shares) | shares	1,030
Weighted-Average Remaining Contractual Life (in years)	9 years 25 days
Weighted-Average Exercise Price (in dollars per share)	$ 34.79
Minimum | Exercise Price Range 1
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	18.60
Minimum | Exercise Price Range 3
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	20.59
Minimum | Exercise Price Range 5
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	28.17
Minimum | Exercise Price Range 6
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	31.17
Maximum | Exercise Price Range 3
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	21.02
Maximum | Exercise Price Range 5
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	28.29
Maximum | Exercise Price Range 6
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 32.28

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, 2022	Dec. 31, 2021	Dec. 31, 2020
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Additional Disclosures [Abstract]
Stock Options Granted (in shares)	58,710	58,880	55,511
Weighted Average Grant Date Information:
Fair Value of Options Granted, Weighted Average Grant Date (in dollars per share)	$ 7.43	$ 4.57	$ 4.56
Fair Value Assumptions:
Dividend Yield	2.90%	3.41%	2.90%
Expected Volatility	27.15%	26.53%	20.25%
Risk Free Interest Rate	1.69%	0.49%	1.53%
Expected Lives (in years)	8 years 6 months 21 days	8 years 9 months	6 years 8 months 4 days
Amount Expensed During the Year	$ 312	$ 282	$ 301
Compensation Costs for Non-vested Awards Not Yet Recognized	$ 542	$ 427	$ 440
Weighted Average Expected Vesting Period (in years)	2 years 2 months 19 days	2 years 1 month 28 days	2 years 2 months 1 day
Proceeds From Stock Options Exercised	$ 631	$ 1,505	$ 748
Tax Benefits Related to Stock Options Exercised	33	69	52
Intrinsic Value of Stock Options Exercised	$ 338	$ 439	$ 282

Stock Based Compensation Restri

Stock Based Compensation Restricted Stock Units Information (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Weighted Average Grant Date Fair Value
Amount Expensed During the Year	$ 451	$ 414	$ 420
Restricted Stock Units (RSUs)
Restricted Stock Units
Beginning balance, nonvested (in shares)	13,599	12,373	8,191
Granted (in shares)	4,312	5,026	4,182
Vested (in shares)	(4,391)	(3,800)
Ending balance, nonvested (in shares)	13,520	13,599	12,373
Weighted Average Grant Date Fair Value
Beginning balance, nonvested (in dollars per share)	$ 29.27	$ 29.81	$ 28.53
Granted (in dollars per share)	34.79	27.71	32.28
Vested (in dollars per share)	28.17	28.95
Ending balance, nonvested (in dollars per share)	$ 31.38	$ 29.27	$ 29.81
Amount Expensed During the Year	$ 141	$ 132	$ 119
Compensation Costs for Non-vested Awards Not Yet Recognized	$ 158	$ 149	$ 141

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, 2022	Dec. 31, 2021	Dec. 31, 2020
Employee Stock Ownership Plan (ESOP), Shares in ESOP [Abstract]
ESOP Compensation Expense	$ 1,457	$ 1,487	$ 1,619

Retirement Benefit Plans (Detai

Retirement Benefit Plans (Details)	12 Months Ended
	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Defined Benefit Plan Disclosure [Line Items]
Interest credit under cash balance plan	0.030
Employer matching contribution, percent of match, maximum	5%
Defined benefit plan, service cost and interest cost	$ 3,300,000
Defined benefit plan, unamortized net loss	$ 7,200,000
Defined benefit plan, benefit obligation from lump sum payment to total benefit obligation ratio	8.06%
Defined benefit plan, net periodic benefit cost, loss due to settlement	$ 577,000
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	54,300,000	$ 68,925,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	68,925,000
Fair Value of Plan Assets, End of Period	54,300,000	$ 68,925,000
Net Periodic Benefit Cost
Settlement Cost	$ 577,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) Excluding Service Cost, Statement of Income or Comprehensive Income [Extensible Enumeration]	Other Operating Expense	Other Operating Expense	Other Operating Expense
Fair Value of Plan Assets	$ 54,300,000	$ 68,925,000
Percent of Total	100%	100%
Expected Future Benefit Payments
Health Care Cost Trend   Rate Assumed for Next Year	7.75%	7%
Rate to which the Cost Trend   Rate is Assumed to Decline   (the Ultimate Trend Rate)	4.04%	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	$ 54,300,000	$ 68,925,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	68,925,000
Fair Value of Plan Assets, End of Period	54,300,000	68,925,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	54,300,000	68,925,000
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%	0%
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	1,291,000	2,439,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	2,439,000
Fair Value of Plan Assets, End of Period	1,291,000	2,439,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 1,291,000	$ 2,439,000
Percent of Total	2.40%	3.50%
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	$ 1,291,000	$ 2,439,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	2,439,000
Fair Value of Plan Assets, End of Period	1,291,000	2,439,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	1,291,000	2,439,000
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	6,411,000	6,469,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	6,469,000
Fair Value of Plan Assets, End of Period	6,411,000	6,469,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 6,411,000	$ 6,469,000
Percent of Total	11.80%	9.40%
Common Stock | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 6,411,000	$ 6,469,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	6,469,000
Fair Value of Plan Assets, End of Period	6,411,000	6,469,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	6,411,000	6,469,000
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	20,714,000	29,490,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	29,490,000
Fair Value of Plan Assets, End of Period	20,714,000	29,490,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 20,714,000	$ 29,490,000
Percent of Total	38.20%	42.80%
North Country Funds - Equity | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 20,714,000	$ 29,490,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	29,490,000
Fair Value of Plan Assets, End of Period	20,714,000	29,490,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	20,714,000	29,490,000
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	15,059,000	16,761,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	16,761,000
Fair Value of Plan Assets, End of Period	15,059,000	16,761,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 15,059,000	$ 16,761,000
Percent of Total	27.70%	24.30%
Other Mutual Funds - Equity | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 15,059,000	$ 16,761,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	16,761,000
Fair Value of Plan Assets, End of Period	15,059,000	16,761,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	15,059,000	16,761,000
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	35,773,000	46,251,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	46,251,000
Fair Value of Plan Assets, End of Period	35,773,000	46,251,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 35,773,000	$ 46,251,000
Percent of Total	65.90%	67.10%
Equity Funds | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 35,773,000	$ 46,251,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	46,251,000
Fair Value of Plan Assets, End of Period	35,773,000	46,251,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	35,773,000	46,251,000
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
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	6,317,000
Fair Value of Plan Assets, End of Period		6,317,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		$ 6,317,000
Percent of Total		9.20%
North Country Funds - Fixed Income | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		$ 6,317,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	6,317,000
Fair Value of Plan Assets, End of Period		6,317,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		6,317,000
North Country Funds - Fixed Income | Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		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
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0
North Country Funds - Fixed Income | Significant Unobservable Inputs (Level 3)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets		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
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets		0
Other Mutual Funds - Fixed Income
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	6,094,000	2,675,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	2,675,000
Fair Value of Plan Assets, End of Period	6,094,000	2,675,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 6,094,000	$ 2,675,000
Percent of Total	11.20%	3.90%
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	$ 6,094,000	$ 2,675,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	2,675,000
Fair Value of Plan Assets, End of Period	6,094,000	2,675,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	6,094,000	2,675,000
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	6,094,000	8,992,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	8,992,000
Fair Value of Plan Assets, End of Period	6,094,000	8,992,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 6,094,000	$ 8,992,000
Percent of Total	11.20%	13.10%
Fixed Income Funds | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 6,094,000	$ 8,992,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	8,992,000
Fair Value of Plan Assets, End of Period	6,094,000	8,992,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	6,094,000	8,992,000
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	4,731,000	4,774,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	4,774,000
Fair Value of Plan Assets, End of Period	4,731,000	4,774,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 4,731,000	$ 4,774,000
Percent of Total	8.70%	6.90%
Alternative ETF | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 4,731,000	$ 4,774,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	4,774,000
Fair Value of Plan Assets, End of Period	4,731,000	4,774,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	4,731,000	4,774,000
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	5.09%
Defined benefit plan, increase in benefit payable, percent	3%
Defined benefit plan, benefit obligation, increase (decrease) for plan amendment	$ 351,638
Defined benefit plan, amortization of service cost	9 years 8 months 12 days
Defined benefit plan, net periodic benefit cost, loss due to settlement	$ 577,000
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	54,300,000	68,925,000	$ 59,837,000
Benefit Obligation	39,528,000	45,659,000	44,877,000
Funded Status of Plan	14,772,000	23,266,000
Change in Benefit Obligation
Benefit Obligation, Beginning of Period	45,659,000	44,877,000
Service Cost	1,877,000	1,934,000	1,663,000
Interest Cost	1,439,000	1,365,000	1,544,000
Plan Participants' Contributions	0	0
Actuarial Gain	(4,555,000)	(347,000)
Benefits Paid	(4,892,000)	(2,170,000)
Benefit Obligation, End of Period	39,528,000	45,659,000	44,877,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	68,925,000	59,837,000
Actual Return on Plan Assets	(9,733,000)	11,258,000
Employer Contributions	0	0
Plan Participants' Contributions	0	0
Benefits Paid	(4,892,000)	(2,170,000)
Fair Value of Plan Assets, End of Period	54,300,000	68,925,000	59,837,000
Accumulated Benefit Obligation at December 31, 2022	39,506,000
Amounts Recognized in the Consolidated Balance Sheets
Prepaid Pension Asset	14,772,000	23,266,000
Accrued Benefit Liability	0	0
Net Benefit (Expense) Recognized	14,772,000	23,266,000
Amounts Recognized in Other Comprehensive Income (Loss)
Net Unamortized Loss (Gain) Arising During the Period	9,492,000	(7,826,000)	(182,000)
Net Prior Service Cost Arising During the Period			349,000
Amortization of Net (Loss) Gain	0	0	(81,000)
Amortization of Prior Service Cost	(78,000)	(78,000)	(63,000)
Settlement Cost	(577,000)
Total Other Comprehensive Income (Loss) for Pension and Other Postretirement Benefit Plans	8,837,000	(7,904,000)	23,000
Accumulated Other Comprehensive Income
Net Actuarial Loss (Gain)	6,574,000	(2,341,000)
Prior Service Cost	376,000	453,000
Total Accumulated Other Comprehensive Income (Loss), Before Tax	6,950,000	(1,888,000)
Net Periodic Benefit Cost
Service Cost	1,877,000	1,934,000	1,663,000
Interest Cost	1,439,000	1,365,000	1,544,000
Expected Return on Plan Assets	(4,314,000)	(3,780,000)	(3,608,000)
Amortization of Prior Service Cost	77,000	78,000	63,000
Amortization of Net Loss (Gain)	0	0	81,000
Settlement Cost	577,000
Net Periodic Benefit (Income) Cost	$ (344,000)	$ (403,000)	$ (257,000)
Weighted-Average Assumptions Used in Calculating Benefit Obligation
Discount Rate	5.59%	3.30%
Rate of Compensation Increase	3.50%	3.50%
Interest Rate Credit for Determining Projected Cash Balance Account	3.99%	3%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment One	5.09%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment Two	5.60%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment Three	5.41%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment One	5.09%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Two	5.60%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Three	5.41%
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Discount Rate	3.30%	3.14%	3.72%
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%	3%	3%
Interest Rate to Annuitize Cash Balance Account, Segment One	5.09%	1.02%
Interest Rate to Annuitize Cash Balance Account, Segment Two	5.60%	2.72%
Interest Rate to Annuitize Cash Balance Account, Segment Three	5.41%	3.08%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment One	5.09%	1.02%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Two	5.60%	2.72%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Three	5.41%	3.08%
Fair Value of Plan Assets	$ 54,300,000	$ 68,925,000	$ 59,837,000
Expected Future Benefit Payments
2023	3,192,000
2024	3,469,000
2025	3,215,000
2026	2,778,000
2027	3,299,000
2028 - 2032	15,355,000
Estimated Contributions During 2023	$ 0
Select Executive Retirement Plan
Defined Benefit Plan Disclosure [Line Items]
Assumptions used calculating benefit obligation, interest rate to annuitize cash balance account	5.60%
Defined benefit plan, amortization of service cost	12 years 6 months
Defined benefit plan, benefit obligation, period increase (decrease)	$ 122,797
Defined benefit plan, net periodic benefit cost, loss due to settlement	0
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0	0
Benefit Obligation	6,070,000	6,455,000	5,820,000
Funded Status of Plan	(6,070,000)	(6,455,000)
Change in Benefit Obligation
Benefit Obligation, Beginning of Period	6,455,000	5,820,000
Service Cost	835,000	582,000	408,000
Interest Cost	225,000	191,000	192,000
Plan Participants' Contributions	0	0
Actuarial Gain	(983,000)	332,000
Benefits Paid	(462,000)	(470,000)
Benefit Obligation, End of Period	6,070,000	6,455,000	5,820,000
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	462,000	470,000
Plan Participants' Contributions	0	0
Benefits Paid	(462,000)	(470,000)
Fair Value of Plan Assets, End of Period	0	0	0
Accumulated Benefit Obligation at December 31, 2022	6,024,000
Amounts Recognized in the Consolidated Balance Sheets
Prepaid Pension Asset	0	0
Accrued Benefit Liability	(6,070,000)	(6,455,000)
Net Benefit (Expense) Recognized	(6,070,000)	(6,455,000)
Amounts Recognized in Other Comprehensive Income (Loss)
Net Unamortized Loss (Gain) Arising During the Period	(983,000)	332,000	368,000
Net Prior Service Cost Arising During the Period			123,000
Amortization of Net (Loss) Gain	(212,000)	(178,000)	(146,000)
Amortization of Prior Service Cost	(44,000)	(48,000)	(42,000)
Settlement Cost	0
Total Other Comprehensive Income (Loss) for Pension and Other Postretirement Benefit Plans	(1,239,000)	106,000	303,000
Accumulated Other Comprehensive Income
Net Actuarial Loss (Gain)	1,453,000	2,651,000
Prior Service Cost	370,000	411,000
Total Accumulated Other Comprehensive Income (Loss), Before Tax	1,823,000	3,062,000
Net Periodic Benefit Cost
Service Cost	835,000	582,000	408,000
Interest Cost	225,000	191,000	192,000
Expected Return on Plan Assets	0	0	0
Amortization of Prior Service Cost	44,000	48,000	42,000
Amortization of Net Loss (Gain)	212,000	179,000	146,000
Settlement Cost	0
Net Periodic Benefit (Income) Cost	$ 1,316,000	$ 1,000,000	$ 788,000
Weighted-Average Assumptions Used in Calculating Benefit Obligation
Discount Rate	5.61%	3.29%
Rate of Compensation Increase	3.50%	3.50%
Interest Rate Credit for Determining Projected Cash Balance Account	3.99%	3%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment One	5.09%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment Two	5.60%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment Three	5.41%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment One	5.09%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Two	5.60%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Three	5.41%
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Discount Rate	5.61%	3.19%	3.75%
Rate of Compensation Increase	3.50%	3.50%	3.50%
Interest Rate Credit for Determining Projected Cash Balance Account	3.99%	3%	3%
Interest Rate to Annuitize Cash Balance Account, Segment One	5.09%	1.02%
Interest Rate to Annuitize Cash Balance Account, Segment Two	5.60%	2.72%
Interest Rate to Annuitize Cash Balance Account, Segment Three	5.41%	3.08%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment One	5.09%	1.02%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Two	5.60%	2.72%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Three	5.41%	3.08%
Fair Value of Plan Assets	$ 0	$ 0	$ 0
Expected Future Benefit Payments
2023	432,000
2024	675,000
2025	656,000
2026	628,000
2027	630,000
2028 - 2032	2,736,000
Estimated Contributions During 2023	$ 432,000
Postretirement Benefit Plans
Defined Benefit Plan Disclosure [Line Items]
Assumptions used calculating benefit obligation, interest rate to annuitize cash balance account	5.41%
Defined benefit plan, net periodic benefit cost, loss due to settlement	$ 0
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	0	0	0
Benefit Obligation	6,482,000	7,994,000	9,028,000
Funded Status of Plan	(6,482,000)	(7,994,000)
Change in Benefit Obligation
Benefit Obligation, Beginning of Period	7,994,000	9,028,000
Service Cost	90,000	109,000	123,000
Interest Cost	248,000	249,000	310,000
Plan Participants' Contributions	427,000	432,000
Actuarial Gain	(1,571,000)	(1,240,000)
Benefits Paid	(706,000)	(584,000)
Benefit Obligation, End of Period	6,482,000	7,994,000	9,028,000
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	279,000	152,000
Plan Participants' Contributions	427,000	432,000
Benefits Paid	(706,000)	(584,000)
Fair Value of Plan Assets, End of Period	0	0	0
Accumulated Benefit Obligation at December 31, 2022	6,482,000
Amounts Recognized in the Consolidated Balance Sheets
Prepaid Pension Asset	0	0
Accrued Benefit Liability	(6,482,000)	(7,994,000)
Net Benefit (Expense) Recognized	(6,482,000)	(7,994,000)
Amounts Recognized in Other Comprehensive Income (Loss)
Net Unamortized Loss (Gain) Arising During the Period	(1,571,000)	(1,239,000)	151,000
Net Prior Service Cost Arising During the Period			0
Amortization of Net (Loss) Gain	156,000	87,000	0
Amortization of Prior Service Cost	(106,000)	(106,000)	(106,000)
Settlement Cost	0
Total Other Comprehensive Income (Loss) for Pension and Other Postretirement Benefit Plans	(1,521,000)	(1,258,000)	45,000
Accumulated Other Comprehensive Income
Net Actuarial Loss (Gain)	(2,597,000)	(1,182,000)
Prior Service Cost	366,000	472,000
Total Accumulated Other Comprehensive Income (Loss), Before Tax	(2,231,000)	(710,000)
Net Periodic Benefit Cost
Service Cost	90,000	109,000	123,000
Interest Cost	248,000	249,000	310,000
Expected Return on Plan Assets	0	0	0
Amortization of Prior Service Cost	106,000	106,000	106,000
Amortization of Net Loss (Gain)	(156,000)	(88,000)	0
Settlement Cost	0
Net Periodic Benefit (Income) Cost	$ 288,000	$ 376,000	$ 539,000
Weighted-Average Assumptions Used in Calculating Benefit Obligation
Discount Rate	5.62%	3.32%
Rate of Compensation Increase	3.50%	3.50%
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Discount Rate	3.32%	3.17%	3.76%
Rate of Compensation Increase	3.50%	3.50%	3.50%
Fair Value of Plan Assets	$ 0	$ 0	$ 0
Expected Future Benefit Payments
2023	616,000
2024	629,000
2025	637,000
2026	665,000
2027	680,000
2028 - 2032	2,910,000
Estimated Contributions During 2023	$ 616,000
Minimum | Cash
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage	0%	0%
Minimum | Interest-Bearing Money Market Fund
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage	0%	0%
Minimum | Common Stock
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage	0%	0%
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%	55%
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%	10%
Minimum | Alternative ETF
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage	0%	0%
Maximum | Cash
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage	15%	15%
Maximum | Interest-Bearing Money Market Fund
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage	15%	15%
Maximum | Common Stock
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage	10%	10%
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%	85%
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%	30%
Maximum | Alternative ETF
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Target Allocation, Percentage	20%	20%
Subsequent to January 1, 2003
Defined Benefit Plan Disclosure [Line Items]
Service credits, percent of eligible salaries	6%
Prior to January 1, 2003 | Minimum
Defined Benefit Plan Disclosure [Line Items]
Service credits, percent of eligible salaries	6%
Prior to January 1, 2003 | Maximum
Defined Benefit Plan Disclosure [Line Items]
Service credits, percent of eligible salaries	12%

Other Expenses (Details)

Other Expenses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Other Income and Expenses [Abstract]
Legal and Other Professional Fees	$ 3,076	$ 2,706	$ 2,516
Postage and Courier	1,277	1,044	957
Advertising and Promotion	1,190	1,083	1,140
Stationery and Printing	805	721	713
Intangible Asset Amortization	193	210	227
Litigation Reserve Expense	0	1,475	0
All Other	4,490	4,285	3,411
Total Other Operating Expense	$ 11,031	$ 11,524	$ 8,964

Income Taxes Current Income Tax

Income Taxes Current Income Tax Expense (Benefit), Continuing Operations (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Current Tax Expense:
Federal	$ 12,263	$ 10,957	$ 10,791
State	3,103	2,645	2,485
Total Current Tax Expense	15,366	13,602	13,276
Deferred Tax (Benefit) Expense:
Federal	(798)	712	(1,569)
State	(454)	233	(671)
Total Deferred Tax (Benefit) Expense	(1,252)	945	(2,240)
Total Provision for Income Taxes	$ 14,114	$ 14,547	$ 11,036

Income Taxes Effective Income T

Income Taxes Effective Income Tax Rate, Continuing Operations, Tax Rate Reconciliation (Details)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Effective Income Tax Rate Reconciliation, Percent [Abstract]
Statutory Federal Tax Rate	21%	21%	21%
Tax-Exempt Income	(1.40%)	(1.50%)	(2.10%)
Nondeductible Interest Expense	0%	0%	0.10%
State Taxes, Net of Federal Income Tax Benefit	3.40%	3.40%	2.60%
Tax benefit from stock based compensation	0%	0%	(0.10%)
Other Items, Net	(0.60%)	(0.30%)	(0.20%)
Effective Tax Rate	22.40%	22.60%	21.30%

Income Taxes Components of Defe

Income Taxes Components of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deferred Tax Assets:
Net Unrealized Losses on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income	$ 16,914	$ 211
Allowance for Credit Losses	8,199	7,440
Lease liabilities	2,821	3,142
Pension and Deferred Compensation Plans	3,571	3,309
Pension Liability Included in Accumulated Other Comprehensive Income	1,692	124
Historic Tax Credit	749	1,023
Other	745	841
Total Gross Deferred Tax Assets	34,691	16,090
Valuation Allowance for Deferred Tax Assets	0	0
Total Gross Deferred Tax Assets, Net of Valuation Allowance	34,691	16,090
Deferred Tax Liabilities:
Pension Plans	5,606	5,470
Depreciation	3,165	3,070
ROU assets	2,646	3,005
Deferred Income	3,266	3,778
Net Unrealized Gains on Equity Securities	272	160
Goodwill	3,416	3,428
Gain on Cash Flow Hedge Agreements	1,404	453
Other	0	85
Total Gross Deferred Tax Liabilities	19,775	19,449
Deferred Tax Asset (Liability), Net	$ 14,916
Deferred Tax Asset (Liability), Net		$ (3,359)

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details)	Dec. 31, 2022 USD ($)
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, 2022		Dec. 31, 2021	Dec. 31, 2020	Sep. 23, 2022
Earnings Per Share [Abstract]
Stock dividend, percent		300%	[1]	300%	300%	300%
Net Income		$ 48,799		$ 49,857	$ 40,827
Weighted Average Shares - Basic (in shares)	[2]	16,513		16,499	16,406
Earnings Per Share - Basic (in dollars per share)	[2]	$ 2.95		$ 3.02	$ 2.49
Dilutive Average Shares Attributable to Stock Options (in shares)		49		56	16
Weighted Average Shares - Diluted (in shares)	[2]	16,562		16,555	16,422
Earnings Per Share - Diluted (in dollars per share)	[2]	$ 2.95		$ 3.01	$ 2.49
[1]Included in the shares issued for the 3% stock dividend in 2022 were treasury shares of 142,746[2]Share and Per Share Amounts have been restated for the September 23, 2022 3% stock dividend.

Fair Values - Recurring and Non

Fair Values - Recurring and Nonrecurring (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	$ 573,495	$ 559,316
Equity Securities	2,174	1,747
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	573,495	559,316
Equity Securities	2,174	1,747
Total Securities Measured on a Recurring Basis	575,669	561,063
Derivatives, included in other assets	7,506	2,083
Total Measured on a Recurring Basis	583,175	563,146
Derivatives, included in other liabilities	7,506	2,083
Total Measured on a Recurring Basis	7,506	2,083
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	573,495	559,316
Equity Securities	2,174	1,747
Total Securities Measured on a Recurring Basis	575,669	561,063
Derivatives, included in other assets	7,506	2,083
Total Measured on a Recurring Basis	583,175	563,146
Derivatives, included in other liabilities	7,506	2,083
Total Measured on a Recurring Basis	7,506	2,083
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	0	2,457
Gain (Loss) on Collateral Dependent Impaired Loans	0	0
Other Real Estate Owned and Repossessed Assets, Net	593	126
Gain (Loss) Other Real Estate Owned 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	0	2,457
Other Real Estate Owned and Repossessed Assets, Net	593	126
U.S. Government & Agency Obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale		108,365
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	175,199	108,365
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	175,199	108,365
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		400
State and Municipal Obligations | Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	340	400
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	340	400
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		449,751
Mortgage-Backed Securities | Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	397,156	449,751
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	397,156	449,751
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, 2022	Dec. 31, 2021
Carrying Amount
Securities Available-for-Sale	$ 573,495	$ 559,316
Held-To-Maturity Securities, at Amortized Cost	175,364	196,566
Equity Securities	2,174	1,747
Federal Home Loan Bank and Federal Reserve Bank Stock	6,064	5,380
Deposits	3,498,364	3,550,497
Federal Home Loan Bank Term Advances	27,800	45,000
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Fair Value
Securities Available-for-Sale	573,495	559,316
Held-To-Maturity Securities	171,623	201,292
Equity Securities	2,174	1,747
Carrying Amount
Carrying Amount
Cash and Cash Equivalents	64,660	457,696
Securities Available-for-Sale	573,495	559,316
Held-To-Maturity Securities, at Amortized Cost	175,364	196,566
Equity Securities	2,174	1,747
Federal Home Loan Bank and Federal Reserve Bank Stock	6,064	5,380
Net Loans	2,953,255	2,640,660
Accrued Interest Receivable	9,890	7,384
Derivatives, included in other assets	7,506	2,083
Deposits	3,498,364	3,550,497
Federal Home Loan Bank Term Advances	27,800	45,000
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Accrued Interest Payable	357	138
Derivatives, included in other liabilities	7,506	2,083
Fair Value
Securities Available-for-Sale	573,495	559,316
Equity Securities	2,174	1,747
Derivatives, included in other assets	7,506	2,083
Derivatives, included in other liabilities	7,506	2,083
Fair Value
Carrying Amount
Securities Available-for-Sale	573,495	559,316
Equity Securities	2,174	1,747
Derivatives, included in other assets	7,506	2,083
Derivatives, included in other liabilities	7,506	2,083
Fair Value
Cash and Cash Equivalents	64,660	457,696
Securities Available-for-Sale	573,495	559,316
Held-To-Maturity Securities	171,623	201,292
Equity Securities	2,174	1,747
Federal Home Loan Bank and Federal Reserve Bank Stock	6,064	5,380
Net Loans	2,742,721	2,618,311
Accrued Interest Receivable	9,890	7,384
Derivatives, included in other assets	7,506	2,083
Deposits	3,492,021	3,548,554
Federal Home Loan Bank Term Advances	27,757	45,518
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Accrued Interest Payable	357	138
Derivatives, included in other liabilities	7,506	2,083
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value
Carrying Amount
Securities Available-for-Sale	0	0
Equity Securities		0
Derivatives, included in other assets	0	0
Derivatives, included in other liabilities	0	0
Fair Value
Cash and Cash Equivalents	64,660	457,696
Securities Available-for-Sale	0	0
Held-To-Maturity Securities	0	0
Equity Securities		0
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 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	573,495	559,316
Equity Securities	2,174	1,747
Derivatives, included in other assets	7,506	2,083
Derivatives, included in other liabilities	7,506	2,083
Fair Value
Cash and Cash Equivalents	0	0
Securities Available-for-Sale	573,495	559,316
Held-To-Maturity Securities	171,623	201,292
Equity Securities	2,174	1,747
Federal Home Loan Bank and Federal Reserve Bank Stock	6,064	5,380
Net Loans	0	0
Accrued Interest Receivable	9,890	7,384
Derivatives, included in other assets	7,506	2,083
Deposits	3,492,021	3,548,554
Federal Home Loan Bank Term Advances	27,757	45,518
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Accrued Interest Payable	357	138
Derivatives, included in other liabilities	7,506	2,083
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	2,742,721	2,618,311
Accrued Interest Receivable	0	0
Derivatives, included in other assets	0	0
Deposits	0	0
Federal Home Loan Bank Term Advances	0	0
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	0	0
Accrued Interest Payable	0	0
Derivatives, included in other liabilities	$ 0	$ 0

Leases - Narrative (Details)

Leases - Narrative (Details)	12 Months Ended
	Dec. 31, 2022 office
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, 2022	Dec. 31, 2021	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Finance Lease Amounts:
Right-of-Use Assets	$ 4,637	$ 4,814	$ 4,637	$ 4,814
Lease Liabilities	5,119	5,169	5,119	5,169
Operating Lease Amounts:
Right-of-Use Assets	5,627	6,941	5,627	6,941
Lease Liabilities	$ 5,822	$ 7,124	$ 5,822	$ 7,124
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			$ 193	$ 195
Operating Outgoing Cash Flows From Operating Leases			1,301	794
Financing Outgoing Cash Flows From Finance Leases			50	48	$ 37
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			$ 0	$ 2,508
Weighted-average Remaining Lease Term - Finance Leases (Yrs.)	27 years 2 months 26 days	28 years 2 months 12 days	27 years 2 months 26 days	28 years 2 months 12 days
Weighted-average Remaining Lease Term - Operating Leases (Yrs.)	11 years 1 month 20 days	11 years 2 months 1 day	11 years 1 month 20 days	11 years 2 months 1 day
Weighted-average Discount Rate—Finance Leases	3.75%	3.75%	3.75%	3.75%
Weighted-average Discount Rate—Operating Leases	2.92%	2.86%	2.92%	2.86%
Finance Lease Cost:
Reduction in the Carrying Amount of Right-of-Use Assets	$ 44	$ 44	$ 177	$ 177
Interest on Lease Liabilities	48	49	193	195	$ 196
Operating Lease Cost	304	270	1,229	1,007
Short-term Lease Cost	15	19	47	47
Variable Lease Cost	81	67	334	270
Total Lease Cost	$ 492	$ 449	$ 1,980	$ 1,696

Leases - Future Lease Payments

Leases - Future Lease Payments on Finance and Operating Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Operating Leases
2023	$ 964
2024	699
2025	637
2026	574
2027	545
Thereafter	3,577
Total Undiscounted Cash Flows	6,996
Less: Net Present Value Adjustment	1,174
Lease Liability	5,822	$ 7,124
Finance Leases
2023	243
2024	249
2025	263
2026	268
2027	268
Thereafter	7,264
Total Undiscounted Cash Flows	8,555
Less: Net Present Value Adjustment	3,436
Lease Liabilities	$ 5,119	$ 5,169

Derivative Instruments and He_3

Derivative Instruments and Hedging Activities - Interest Rate Swap Agreements (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Derivative [Line Items]
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other Assets	Other Assets
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Other Liabilities	Other Liabilities
Not Designated as Hedging Instrument | Interest Rate Swap
Derivative [Line Items]
Derivatives, included in other assets	$ 7,506	$ 2,083
Derivatives, included in other liabilities	7,506	2,083
Notional amount	$ 127,763	$ 172,668

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, 2022	Dec. 31, 2021
Derivative [Line Items]
Amount of hedged item	$ 20,000
Amount of gain recognized in AOCI	3,467	$ 1,249
Amount of (loss) gain reclassified from AOCI interest expense	$ (204)	$ 126

Regulatory Matters (Details)

Regulatory Matters (Details) $ in Thousands	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Maximum Subsidiary Dividend	$ 88,800
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Actual, Amount
Total Capital (to Risk Weighted Assets)	435,857	$ 400,661
Tier I Capital (to Risk Weighted Assets)	404,059	371,556
Tier One Capital (to Average Assets)	404,059	371,556
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 384,003	$ 351,497
Actual, Ratio
Total Capital (to Risk Weighted Assets)	0.151	0.157
Tier I Capital (to Risk Weighted Assets)	0.140	0.146
Tier One Leverage Capital (to Average Assets)	0.098	0.092
Common Equity Tier 1 Capital (to Risk Weighted Assets)	0.133	0.138
Minimum Amounts For Capital Adequacy, Amount
Total Capital (to Risk Weighted Assets)	$ 303,079	$ 267,958
Tier I Capital (to Risk Weighted Assets)	245,322	216,317
Tier One Leverage Capital (to Average Assets)	164,922	161,546
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 202,107	$ 178,296
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)	$ 288,647	$ 255,198
Tier I Capital (to Risk Weighted Assets)	230,891	203,592
Tier One Leverage Capital (to Average Assets)	206,153	201,933
Common Equity Tier 1 Leverage Capital (to Risk Weighted Assets)	$ 187,671	$ 165,560
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)	$ 315,458	$ 295,047
Tier I Capital (to Risk Weighted Assets)	292,134	274,208
Tier One Capital (to Average Assets)	292,134	274,208
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 292,078	$ 274,149
Actual, Ratio
Total Capital (to Risk Weighted Assets)	0.143	0.151
Tier I Capital (to Risk Weighted Assets)	0.132	0.141
Tier One Leverage Capital (to Average Assets)	0.090	0.086
Common Equity Tier 1 Capital (to Risk Weighted Assets)	0.132	0.141
Minimum Amounts For Capital Adequacy, Amount
Total Capital (to Risk Weighted Assets)	$ 231,630	$ 205,165
Tier I Capital (to Risk Weighted Assets)	188,117	165,303
Tier One Leverage Capital (to Average Assets)	129,837	127,539
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 154,890	$ 136,102
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)	$ 220,600	$ 195,395
Tier I Capital (to Risk Weighted Assets)	177,051	155,579
Tier One Leverage Capital (to Average Assets)	162,297	159,423
Common Equity Tier 1 Leverage Capital (to Risk Weighted Assets)	$ 143,826	$ 126,381
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)	$ 104,279	$ 90,924
Tier I Capital (to Risk Weighted Assets)	95,891	83,432
Tier One Capital (to Average Assets)	95,891	83,432
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 95,891	$ 83,432
Actual, Ratio
Total Capital (to Risk Weighted Assets)	0.155	0.152
Tier I Capital (to Risk Weighted Assets)	0.143	0.139
Tier One Leverage Capital (to Average Assets)	0.105	0.098
Common Equity Tier 1 Capital (to Risk Weighted Assets)	0.143	0.139
Minimum Amounts For Capital Adequacy, Amount
Total Capital (to Risk Weighted Assets)	$ 70,641	$ 62,809
Tier I Capital (to Risk Weighted Assets)	56,998	51,020
Tier One Leverage Capital (to Average Assets)	36,530	34,054
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 46,940	$ 42,016
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)	$ 67,277	$ 59,818
Tier I Capital (to Risk Weighted Assets)	53,645	48,018
Tier One Leverage Capital (to Average Assets)	45,662	42,567
Common Equity Tier 1 Leverage Capital (to Risk Weighted Assets)	$ 43,587	$ 39,015
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, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
ASSETS
Interest-Bearing Deposits at Banks	$ 32,774	$ 430,718
Equity Securities	2,174	1,747
Other Assets	114,633	96,579
Total Assets	3,969,509	4,027,952
LIABILITIES
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Other Liabilities	37,688	36,100
Total Liabilities	3,615,971	3,656,766
STOCKHOLDERS’ EQUITY
Total Stockholders’ Equity	353,538	371,186	$ 334,392	$ 301,728
Total Liabilities and Stockholders’ Equity	3,969,509	4,027,952
Arrow
ASSETS
Interest-Bearing Deposits at Banks	1,532	232
Equity Securities	2,174	1,747
Investment in Subsidiaries at Equity	354,664	377,163
Other Assets	16,458	13,061
Total Assets	374,828	392,203
LIABILITIES
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Other Liabilities	1,290	1,017
Total Liabilities	21,290	21,017
STOCKHOLDERS’ EQUITY
Total Stockholders’ Equity	353,538	371,186
Total Liabilities and Stockholders’ Equity	$ 374,828	$ 392,203

Parent Only Financial Informa_4

Parent Only Financial Information Parent Only Income Statement (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Condensed Financial Statements, Captions [Line Items]
Interest and Dividends on Investments	$ 129,651	$ 115,550	$ 111,896
Other Operating Income	2,588	1,774	3,464
Interest expense	11,308	5,195	12,694
Other Operating Expense	11,031	11,524	8,964
Provision for Income Taxes	(14,114)	(14,547)	(11,036)
NET INCOME	48,799	49,857	40,827
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Condensed Financial Statements, Captions [Line Items]
Dividends from Bank Subsidiaries	19,264	15,994	17,199
Interest and Dividends on Investments	49	49	49
Other Operating Income	1,095	664	246
Total Income	20,408	16,707	17,494
Interest expense	685	686	746
Other Operating Expense	1,030	879	878
Total Expense	1,715	1,565	1,624
Income Before Income Tax Benefit and Equity in Undistributed Net Income of Subsidiaries	18,693	15,142	15,870
Provision for Income Taxes	257	312	431
Equity in Undistributed Net Income of Subsidiaries	29,849	34,403	24,526
NET INCOME	$ 48,799	$ 49,857	$ 40,827

Parent Only Financial Informa_5

Parent Only Financial Information Parent Only Statement of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Cash Flows from Operating Activities:
Net Income	$ 48,799	$ 49,857	$ 40,827
Shares Issued Under the Directors’ Stock Plan	408	376	125
Net Cash Provided By Operating Activities	59,713	68,206	42,314
Cash Flows from Financing Activities:
Shares Issued for Stock Option Exercises, net	631	1,505	748
Shares Issued Under the Employee Stock Purchase Plan	477	481	513
Shares Issued for Dividend Reinvestment Plans	1,904	1,836	1,808
Purchase of Treasury Stock	(2,872)	(2,662)	(1,578)
Cash Dividends Paid	(17,444)	(16,296)	(15,740)
Net Cash (Used) Provided By Financing Activities	(59,687)	283,101	455,773
Net (Decrease) Increase in Cash and Cash Equivalents	(393,036)	76,705	310,770
Cash and Cash Equivalents at Beginning of Year	457,696	380,991	70,221
Cash and Cash Equivalents at End of Year	64,660	457,696	380,991
Interest on Deposits and Borrowings	5,752	5,373	13,799
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Cash Flows from Operating Activities:
Net Income	48,799	49,857	40,827
Undistributed Net Income of Subsidiaries	(29,849)	(34,403)	(24,526)
Shares Issued Under the Directors’ Stock Plan	408	376	125
Changes in Other Assets and Other Liabilities	(754)	(462)	(3,606)
Net Cash Provided By Operating Activities	18,604	15,368	12,820
Cash Flows from Financing Activities:
Shares Issued for Stock Option Exercises, net	631	1,505	748
Shares Issued Under the Employee Stock Purchase Plan	477	481	513
Shares Issued for Dividend Reinvestment Plans	1,904	1,836	1,808
Purchase of Treasury Stock	(2,872)	(2,662)	(1,578)
Cash Dividends Paid	(17,444)	(16,296)	(15,740)
Net Cash (Used) Provided By Financing Activities	(17,304)	(15,136)	(14,249)
Net (Decrease) Increase in Cash and Cash Equivalents	1,300	232	(1,429)
Cash and Cash Equivalents at Beginning of Year	232	0	1,429
Cash and Cash Equivalents at End of Year	1,532	232	0
Interest on Deposits and Borrowings	$ 685	$ 686	$ 746

Related Party Transaction (Deta

Related Party Transaction (Details) $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($)
Director | Construction Services
Related Party Transaction [Line Items]
Related party transaction, amounts of transaction	$ 10.9