Arrow Financial (AROW) 10-K 11 Mar 24 2023 FY Annual report Financial data

Cover Page

Cover Page - USD ($)	12 Months Ended
	Dec. 31, 2023	Feb. 29, 2024	Jun. 30, 2023
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2023
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
Document Financial Statement Error Correction	false
Entity Shell Company	false
Entity Public Float			$ 333,303,608
Entity Common Stock, Shares Outstanding (in shares)		16,553,058
Documents Incorporated by Reference	Portions of the Registrant’s Proxy Statement for Annual Meeting of Shareholders to be held June 5, 2024 are incorporated by reference into Part III of this Form 10-K.
Auditor Name	KPMG LLP
Auditor Location	Albany, New York
Auditor Firm ID	185
Entity Central Index Key	0000717538
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	FY
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and Due From Banks	$ 36,755	$ 31,886
Interest-Bearing Deposits at Banks	105,781	32,774
Investment Securities:
Available-for-Sale	497,769	573,495
Held-to-Maturity (Approximate Fair Value of $128,837 at December 31, 2023, and $171,623 at December 31, 2022)	131,395	175,364
Equity Securities	1,925	2,174
Other Investments	5,049	6,064
Total	3,212,908	2,983,207
Allowance for Credit Losses	(31,265)	(29,952)
Net Loans	3,181,643	2,953,255
Premises and Equipment, Net	59,642	56,491
Goodwill	21,873	21,873
Other Intangible Assets, Net	1,110	1,500
Other Assets	126,926	114,633
Total Assets	4,169,868	3,969,509
LIABILITIES
Noninterest-Bearing Deposits	758,425	836,871
Interest-Bearing Checking Accounts	799,785	997,694
Savings Deposits	1,466,280	1,454,364
Time Deposits over $250,000	179,301	76,224
Other Time Deposits	483,775	133,211
Total Deposits	3,687,566	3,498,364
Borrowings	26,500	54,800
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Finance Leases	5,066	5,119
Other Liabilities	50,964	37,688
Total Liabilities	3,790,096	3,615,971
STOCKHOLDERS’ EQUITY
Preferred Stock, $1 Par Value, 1,000,000 Shares Authorized	0	0
Common Stock, $1 Par Value; 30,000,000 Shares Authorized (22,066,559 Shares Issued at December 31, 2023, and 21,423,992 Shares Issued at December 31, 2022)	22,067	21,424
Additional Paid-in Capital	412,551	400,270
Retained Earnings	65,792	65,401
Accumulated Other Comprehensive Loss	(33,416)	(49,655)
Treasury Stock, at Cost (5,124,073 Shares at December 31, 2023, and 4,872,355 Shares at December 31, 2022)	(87,222)	(83,902)
Total Stockholders’ Equity	379,772	353,538
Total Liabilities and Stockholders’ Equity	$ 4,169,868	$ 3,969,509

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Investment Securities:
Held-To-Maturity Securities, at Fair Value	$ 128,837	$ 171,623
STOCKHOLDERS’ EQUITY
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)	22,066,559	21,423,992
Treasury Stock, Shares (in shares)	5,124,073	4,872,355

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Thousands		12 Months Ended
		Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
INTEREST AND DIVIDEND INCOME
Interest and Fees on Loans		$ 142,016	$ 112,982	$ 104,985
Interest on Deposits at Banks		5,831	3,100	565
Interest and Dividends on Investment Securities:
Fully Taxable		11,764	10,357	6,487
Exempt from Federal Taxes		2,953	3,212	3,513
Total Interest and Dividend Income		162,564	129,651	115,550
INTEREST EXPENSE
Interest-Bearing Checking Accounts		3,663	973	731
Savings Deposits		34,343	7,879	1,904
Time Deposits over $250,000		4,966	369	261
Other Time Deposits		7,127	604	632
Borrowings		6,756	605	786
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts		686	685	686
Interest on Financing Leases		191	193	195
Total Interest Expense		57,732	11,308	5,195
NET INTEREST INCOME		104,832	118,343	110,355
Provision for Credit Losses		3,381	4,798	272
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES		101,451	113,545	110,083
NONINTEREST INCOME
Insurance Commissions		6,498	6,463	6,487
Net (Loss) Gain on Securities		(92)	427	111
Net Gain on Sales of Loans		32	83	2,393
Other Operating Income		2,437	2,588	1,774
Total Noninterest Income		29,117	30,898	32,369
NONINTEREST EXPENSE
Salaries and Employee Benefits		47,667	47,003	44,798
Occupancy Expenses, Net		6,554	6,202	5,814
Technology and Equipment Expense		17,608	16,118	14,870
FDIC Assessments		2,050	1,176	1,042
Other Operating Expense		19,169	11,031	11,524
Total Noninterest Expense		93,048	81,530	78,048
Total before tax		37,520	62,913	64,404
Provision for Income Taxes		7,445	14,114	14,547
NET INCOME		$ 30,075	$ 48,799	$ 49,857
Average Shares Outstanding:
Basic (in shares)	[1]	17,037	17,008	16,994
Diluted (in shares)	[1]	17,037	17,059	17,052
Per Common Share:
Basic Earnings (in dollars per share)	[1]	$ 1.77	$ 2.86	$ 2.93
Diluted Earnings (in dollars per share)	[1]	$ 1.77	$ 2.86	$ 2.92
Income From Fiduciary Activities
NONINTEREST INCOME
Revenue from contract with customer		$ 9,444	$ 9,711	$ 10,142
Fees for Other Services to Customers
NONINTEREST INCOME
Revenue from contract with customer		$ 10,798	$ 11,626	$ 11,462
[1] Share and Per Share Amounts have been restated for the September 26, 2023 3% stock dividend.

Consolidated Statements of In_2

Consolidated Statements of Income (Parenthetical)	Dec. 31, 2023		Sep. 26, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Statement [Abstract]
Stock dividend, percent	300%	[1]	300%	300%	300%
[1]Included in the shares issued for the 3% stock dividend in 2023 were treasury shares of 146,128.

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statement of Comprehensive Income [Abstract]
Net Income	$ 30,075	$ 48,799	$ 49,857
Other Comprehensive (Loss) Income, Net of Tax:
Unrealized Net Securities Holding Gains Arising During the Year	10,441	(48,227)	(6,413)
Reclassification Adjustment for Net Securities Losses Realized During the Year	6,752	0	0
Net Unrealized (Loss) Gain on Cash Flow Hedge Agreements	(2,900)	2,582	929
Reclassification of Net Unrealized Loss (Gain) on Cash Flow Hedge Agreements	557	152	(94)
Net Retirement Plan Gain (Loss)	1,747	(5,147)	6,500
Net Retirement Plan Prior Service Cost	(391)	0	0
Settlement Cost	0	428	0
Amortization of Net Retirement Plan Actuarial Loss	(119)	41	68
Amortization of Net Retirement Plan Prior Service Cost	152	169	173
Other Comprehensive Income (Loss)	16,239	(50,002)	1,163
Comprehensive Income (Loss)	$ 46,314	$ (1,203)	$ 51,020

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, 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]
Net Income		49,857								49,857
Other Comprehensive Income (Loss)		1,163												1,163
Stock Dividend		0	[1]			606		20,896		(21,502)	[1]
Cash Dividends Paid		(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 Income (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)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income		30,075								30,075
Other Comprehensive Income (Loss)		16,239												16,239
Stock Dividend	[2]	0				643		11,058		(11,701)
Cash Dividends Paid	[1]	(17,983)								(17,983)
Shares Issued for Stock Option Exercises, net		96						58								38
Shares Issued Under the Directors' Stock Plan		218						143								75
Shares Issued Under the Employee Stock Purchase Plan		120						87								33
Shares Issued for Dividend Reinvestment Plans		472						330								142
Stock-Based Compensation Expense		605						605
Purchases of Treasury Stock		(3,608)														(3,608)
Ending balance at Dec. 31, 2023		$ 379,772				$ 22,067		$ 412,551		$ 65,792				$ (33,416)		$ (87,222)
[1]Cash dividends paid per share have been adjusted for the September 26, 2023 3% stock dividend.[2]Included in the shares issued for the 3% stock dividend in 2023 were treasury shares of 146,128.

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2023		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)		642,567	[1]	623,848	605,670
Cash Dividends Paid (in dollars per share)	[2]	$ 1.06		$ 1.03	$ 0.96
Shares Issued for Stock Option Exercises, net (in shares)		4,564		28,052	54,757
Shares Issued Under Directors Stock Plan (in shares)		9,186		12,933	11,051
Shares Issued Under the Employee Stock Purchase Plan (in shares)		3,872		15,207	14,903
Shares Issued for Dividend Reinvestment Plans (in shares)		17,753		57,745	51,403
Purchase of Treasury Stock (in shares)		140,965		84,132	73,555
Treasury Stock, Shares (in shares)		5,124,073		4,872,355
Cumulative effect of adoption		$ 379,772		$ 353,538	$ 371,186	$ 334,392
Accounting Standards Update [Extensible List]						Accounting Standards Update 2016-13 [Member]
[1]Included in the shares issued for the 3% stock dividend in 2023 were treasury shares of 146,128.[2]Cash dividends paid per share have been adjusted for the September 26, 2023 3% stock dividend.

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Cash Flows from Operating Activities:
Net Income	$ 30,075	$ 48,799	$ 49,857
Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities:
Provision for Credit Losses	3,381	4,798	272
Depreciation and Amortization	6,718	7,548	7,826
Loss on the Sale of Securities Available-for-Sale	9,097	0	0
Net Gain on Equity Securities	(9,005)	(427)	(111)
Loans Originated and Held-for-Sale	491	(799)	(48,720)
Proceeds from the Sale of Loans Held-for-Sale	32	1,380	61,044
Net Gains on the Sale of Loans	(32)	(83)	(2,393)
Net Gains on the Sale or Write-down of Premises and Equipment,     Other Real Estate Owned and Repossessed Assets	187	167	277
Contributions to Pension & Postretirement Plans	(681)	(741)	(622)
Deferred Income Tax Expense (Benefit)	1,799	(1,252)	945
Shares Issued Under the Directors’ Stock Plan	218	408	376
Stock-Based Compensation Expense	605	451	414
Tax Benefit from Exercise of Stock Options	11	34	69
Effect of Swap Agreements	(2,365)	0	0
Net Increase in Other Assets	(29,220)	(1,427)	(5,065)
Net Increase in Other Liabilities	9,269	857	4,037
Net Cash Provided By Operating Activities	20,580	59,713	68,206
Cash Flows from Investing Activities:
Proceeds from the Sale of Equity Securities	9,254	0	0
Proceeds from the Sale of Securities Available-for-Sale	100,739	0	0
Proceeds from the Maturities and Calls of Securities Available-for-Sale	70,415	104,120	118,330
Purchases of Securities Available-for-Sale	(73,623)	(184,785)	(323,372)
Proceeds from the Maturities and Calls of Securities Held-to-Maturity	51,724	32,068	30,561
Purchases of Securities Held-to-Maturity	(8,209)	(11,459)	(9,377)
Net Increase in Loans	(228,899)	(319,547)	(85,123)
Proceeds from the Sales of Premises and Equipment, Other    Real Estate Owned and Repossessed Assets	2,707	1,475	1,547
Purchase of Premises and Equipment	(7,081)	(14,250)	(7,137)
Net Decrease (Increase) in Federal Home Loan Bank Stock	1,015	(684)	(31)
Purchase of Bank Owned Life Insurance	(692)	0	0
Net Cash Used In Investing Activities	(82,650)	(393,062)	(274,602)
Cash Flows from Financing Activities:
Net Increase (Decrease) in Deposits	189,202	(52,133)	315,771
Other Borrowings - Advances	256,500	27,000	0
Other Borrowings - Paydowns	(284,800)	(17,200)	(17,486)
Finance Lease Payments	(53)	(50)	(48)
Purchase of Treasury Stock	(3,608)	(2,872)	(2,662)
Shares Issued for Stock Option Exercises, net	96	631	1,505
Shares Issued Under the Employee Stock Purchase Plan	120	477	481
Shares Issued for Dividend Reinvestment Plans	472	1,904	1,836
Cash Dividends Paid	(17,983)	(17,444)	(16,296)
Net Cash Provided (Used) By Financing Activities	139,946	(59,687)	283,101
Net Increase (Decrease) in Cash and Cash Equivalents	77,876	(393,036)	76,705
Cash and Cash Equivalents at Beginning of Year	64,660	457,696	380,991
Cash and Cash Equivalents at End of Year	142,536	64,660	457,696
Supplemental Disclosures to Statements of Cash Flow Information:
Interest on Deposits and Borrowings	51,828	5,752	5,373
Income Taxes	6,644	13,018	14,760
Transfer of Loans to Other Real Estate Owned and Repossessed Assets	$ 2,488	$ 1,656	$ 1,358

Risks and Uncertainties

Risks and Uncertainties	12 Months Ended
	Dec. 31, 2023
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, 2023
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. 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 - 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. 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. 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 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. Arrow also enters into pay-fixed portfolio layer method fair value swaps, designated as hedging instruments. Arrow is designating the fair value swaps under the portfolio layer method ("PLM"). Under PLM, the hedged items are designated as hedged layers of a closed portfolio of financial loans that are anticipated to remain outstanding for the designated hedged period. Adjustments will be made to record the swaps at fair value on the Consolidated Balance Sheets, with changes in fair value recognized in interest income. The carrying value of the fair value swaps on the Consolidated Balance Sheets will also be adjusted through interest income, based on changes in fair value attributable to changes in the hedged risk. In addition, Arrow enters into interest rate swaps to add stability to interest expense and to manage its exposure to the variability of the future cash flows attributable to the contractually specified interest rates and to synthetically fix the variable rate interest payments in outstanding subordinated trust securities. These agreements are designated as cash flow hedges. For derivatives designated and that qualify as cash flow hedges of interest rate risk, the gain or loss on the derivative is recorded in Accumulated Other Comprehensive Income and subsequently reclassified into interest expense in the same period during which the hedge transaction affects earnings. Income Taxes - Arrow accounts for income taxes under the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period that includes the enactment date. Arrow’s policy is that deferred tax assets are reduced by a valuation allowance if, based on the weight of available evidence, it is more likely than not that some or all of the deferred tax assets will not be realized. Goodwill and Other Intangible Assets - Identifiable intangible assets acquired in a business combination are capitalized and amortized. Any remaining unidentifiable intangible asset is classified as goodwill, for which amortization is not required but which must be evaluated for impairment. Arrow tests for impairment of goodwill on an annual basis, or when events and circumstances indicate potential impairment. In evaluating goodwill for impairment, Arrow first assesses certain qualitative factors to determine if it is more likely than not that the fair value of the reporting unit is less than its carrying value. If it is more likely than not that the fair value of a reporting unit exceeds its carrying amount, goodwill of the reporting unit is considered not impaired. If the carrying amount of a reporting unit exceeds its fair value, the second step of the goodwill impairment test is performed to measure the amount of impairment loss, if any. The carrying amounts of other recognized intangible assets that meet recognition criteria and for which separate accounting records have been maintained (mortgage servicing rights and customer intangibles), have been included in the consolidated balance sheet as “Other Intangible Assets, Net.” Arrow has sold residential real estate loans, primarily to Freddie Mac, with servicing retained. Mortgage servicing rights are recognized as an asset when loans are sold with servicing retained, by allocating the cost of an originated mortgage loan between the loan and servicing right based on estimated relative fair values. The cost allocated to the servicing right is capitalized as a separate asset and amortized in proportion to, and over the period of, estimated net servicing income. Capitalized mortgage servicing rights are evaluated for impairment by comparing the asset’s carrying value to its current estimated fair value. Fair values are estimated using a discounted cash flow approach, which considers future servicing income and costs, current market interest rates, and anticipated prepayment, and default rates. Impairment losses are recognized through a valuation allowance for servicing rights having a current fair value that is less than amortized cost on an aggregate basis. Adjustments to increase or

Cash and Cash Equivalents

Cash and Cash Equivalents	12 Months Ended
	Dec. 31, 2023
Cash and Cash Equivalents [Abstract]
Cash and Cash Equivalents	CASH AND CASH EQUIVALENTS (Dollars In Thousands) 2023 2022 Balances at December 31: Cash and Due From Banks $ 36,755 $ 31,886 Interest-Bearing Deposits at Banks 105,781 32,774 Total Cash and Cash Equivalents $ 142,536 $ 64,660 The increase in cash from December 31, 2022 reflects the strategic enhancement of the Arrow liquidity position.

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2023
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, 2023 and 2022: Available-For-Sale Securities U.S. Treasuries U.S. Government & Agency State and Mortgage- Corporate Total December 31, 2023 Available-For-Sale Securities, $ 73,761 $ 160,000 $ 280 $ 305,161 $ 1,000 $ 540,202 Gross Unrealized Gains 243 51 — 6 — 300 Gross Unrealized Losses — (7,126) — (35,407) (200) (42,733) Available-For-Sale Securities, $ 74,004 $ 152,925 $ 280 $ 269,760 $ 800 $ 497,769 Available-For-Sale Securities, 242,938 Maturities of Debt Securities, Within One Year 48,844 15,000 — 2,546 — 66,390 From 1 - 5 Years 24,917 145,000 — 148,164 — 318,081 From 5 - 10 Years — — 280 154,451 1,000 155,731 Over 10 Years — — — — — — Maturities of Debt Securities, Within One Year 48,915 14,858 — 2,481 — 66,254 From 1 - 5 Years 25,089 138,067 — 135,570 — 298,726 From 5 - 10 Years — — 280 131,709 800 132,789 Over 10 Years — — — — — — Securities in a Continuous Less than 12 Months $ — $ — $ — $ — $ — $ — 12 Months or Longer — 137,874 — 269,286 800 407,960 Total $ — $ 137,874 $ — $ 269,286 $ 800 $ 407,960 Number of Securities in a — 19 — 97 1 117 Available-For-Sale Securities U.S. Treasuries U.S. Government & Agency State and Mortgage- Corporate Total Unrealized Losses on Less than 12 Months $ — $ — $ — $ — $ — $ — 12 Months or Longer — 7,126 — 35,407 200 42,733 Total $ — $ 7,126 $ — $ 35,407 $ 200 $ 42,733 Disaggregated Details: US Treasury Obligations, $ 73,761 US Treasury Obligations, 74,004 US Agency Obligations, $ 160,000 US Agency Obligations, 152,925 Local Municipal Obligations, at Amortized Cost $ 280 Local Municipal Obligations, at Fair Value 280 US Government Agency $ 7,291 US Government Agency 6,864 Government Sponsored Entity 297,870 Government Sponsored Entity 262,896 Corporate Trust Preferred Securities, at Amortized Cost $ 1,000 Corporate Trust Preferred Securities, at Fair Value 800 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 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 Local Municipal Obligations, at Amortized Cost $ 340 Local Municipal Obligations, at Fair Value 340 US Government Agency $ 7,934 US Government Agency 7,433 Government Sponsored Entity 439,821 Government Sponsored Entity 389,723 Corporate Trust Preferred Securities, at Amortized Cost $ 1,000 Corporate Trust Preferred Securities, at Fair Value 800 At December 31, 2023, there was no allowance for credit losses for the available for sale securities portfolio. The following is a summary of realized losses recognized in net income on available-for-sale securities sold during the years ended December 31, 2023 and 2022: December 31, 2023 2022 Proceeds Received on Sale of AFS Securities $ 100,739 $ — Basis of AFS investments Sold 109,836 — Net Loss Recognized on Sale of AFS Securities $ (9,097) $ — The following table is the schedule of Held-To-Maturity Securities at December 31, 2023 and 2022: Held-To-Maturity Securities State and Mortgage- Total December 31, 2023 Held-To-Maturity Securities, $ 122,450 $ 8,945 $ 131,395 Gross Unrealized Gains — — — Gross Unrealized Losses (2,157) (401) (2,558) Held-To-Maturity Securities, $ 120,293 $ 8,544 $ 128,837 Held-To-Maturity Securities, 112,472 Maturities of Debt Securities, Within One Year 47,565 — 47,565 From 1 - 5 Years 72,609 8,945 81,554 From 5 - 10 Years 2,247 — 2,247 Over 10 Years 29 — 29 Maturities of Debt Securities, Within One Year 47,293 — 47,293 From 1 - 5 Years 70,751 8,543 79,294 From 5 - 10 Years 2,220 — 2,220 Over 10 Years 29 — 29 Securities in a Continuous Less than 12 Months $ 1,472 $ — $ 1,472 12 Months or Longer 102,839 8,544 111,383 Total $ 104,311 $ 8,544 $ 112,855 Number of Securities in a 319 16 335 Unrealized Losses on Securities Less than 12 Months $ 14 $ — $ 14 12 Months or Longer 2,143 402 2,545 Total $ 2,157 $ 402 $ 2,559 Disaggregated Details: Municipal Securities, at Amortized Cost $ 122,450 Municipal Securities, at Fair Value 120,293 US Government Agency $ 3,114 US Government Agency 2,954 Held-To-Maturity Securities State and Mortgage- Total Government Sponsored Entity 5,831 Government Sponsored Entity 5,589 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 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: Municipal Securities, at Amortized Cost $ 163,600 Municipal Securities, at Fair Value 160,470 US Government Agency $ 3,898 US Government Agency 3,687 Government Sponsored Entity 7,866 Government Sponsored Entity 7,466 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, 2023 and December 31, 2022 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, 2023, 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. Arrow carried no allowance for credit loss at December 31, 2023 and there was no credit loss expense recognized by Arrow with respect to the securities portfolio during 2023. 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, 2023. The following table is the schedule of Equity Securities at December 31, 2023 and 2022. Equity Securities December 31, 2023 2022 Equity Securities, at Fair Value $ 1,925 $ 2,174 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, 2023 and 2022: December 31, 2023 2022 Net Gain on Equity Securities $ 9,005 $ 427 Less: Net Gain recognized during the reporting period on equity securities sold during the period 9,254 — Unrealized Net (Loss) Gain recognized during the reporting period on equity securities still held at the reporting date $ (249) $ 427 Schedule of Federal Reserve Bank and Federal Home Loan Bank Stock (at cost) December 31, 2023 2022 Federal Reserve Bank Stock $ 1,197 $ 1,180 Federal Home Loan Bank Stock 3,852 4,884 Total Federal Reserve Bank and Federal Home Loan Bank Stock $ 5,049 $ 6,064

Loans

Loans	12 Months Ended
	Dec. 31, 2023
Receivables [Abstract]
Loans	LOANS (Dollars In Thousands) Loan Categories and Past Due Loans The following table presents loan balances outstanding as of December 31, 2023 and December 31, 2022 and an analysis of the recorded investment in loans that are past due at these dates. Loans held-for-sale of $165 and $656 as of December 31, 2023, and December 31, 2022, 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, 2023 Loans Past Due 30-59 Days $ 298 $ — $ 13,511 $ 3,715 $ 17,524 Loans Past Due 60-89 Days 21 636 5,579 861 7,097 Loans Past Due 90 or More Days 30 15,308 1,801 3,140 20,279 Total Loans Past Due 349 15,944 20,891 7,716 44,900 Current Loans 155,875 729,543 1,090,776 1,191,814 3,168,008 Total Loans $ 156,224 $ 745,487 $ 1,111,667 $ 1,199,530 $ 3,212,908 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 Schedule of Non Accrual Loans by Category Commercial December 31, 2023 Commercial Real Estate Consumer Residential Total Loans 90 or More Days Past Due $ — $ — $ 6 $ 446 $ 452 Nonaccrual Loans 30 15,308 1,877 3,430 20,645 Nonaccrual With No Allowance for Credit Loss 30 15,308 1,877 3,430 20,645 Interest Income on Nonaccrual Loans — — — — — December 31, 2022 Loans 90 or More Days Past Due $ 44 $ — $ — $ 1,113 $ 1,157 Nonaccrual Loans 8 3,110 3,503 4,136 10,757 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, Arrow 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, Arrow 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 2023 2022 Supplemental Information : Unamortized deferred loan origination costs, net of deferred loan $ 6,240 $ 6,774 Overdrawn deposit accounts, included in the above balances 180 298 Pledged loans under a blanket collateral agreement to secure borrowings from the Federal Home Loan Bank of New York 576,602 663,259 Residential real estate loans serviced for Freddie Mac, not included 178,284 195,133 Allowance for Credit Losses Loan segments were selected by class code and application code to ensure each segment is comprised of loans with homogenous loan characteristics and similar risk profiles. The resulting loan segments are commercial, 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, 2023 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 reflects the economic conditions with a deterioration in the national unemployment rate of approximately 0.03% during the six-quarter forecast period, while forecasted gross domestic product projected an improvement of approximately 0.17%. The home price index (HPI) forecast improved approximately 4.0% 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 2023 was $3.4 million. Management's evaluation considers the allowance for credit losses for loans to be appropriate as of December 31, 2023. The following table details activity in the allowance for credit losses on loans for the twelve months ended December 31, 2023 and December 31, 2022 Allowance for Credit Losses Commercial Commercial Real Estate Consumer Residential Total Rollforward of the Allowance for Credit Losses for the Year Ended: December 31, 2022 $ 1,961 $ 15,213 $ 2,585 $ 10,193 $ 29,952 Charge-offs — — (5,123) (54) (5,177) Recoveries — — 3,109 — 3,109 Provision (3) 308 1,995 1,081 3,381 December 31, 2023 $ 1,958 $ 15,521 $ 2,566 $ 11,220 $ 31,265 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 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, 2023, the total unfunded commitment off-balance sheet credit exposure was $1.6 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, 2023, there were four total relationships identified to be evaluated for loss on an individual basis which had an amortized cost basis of $16.8 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, 2023 and December 31, 2022: December 31, 2023 Collateral Type -Residential Real Estate Collateral Type - Commercial Real Estate Total Loans Commercial $ — $ — $ — Commercial Real Estate — 15,308 15,308 Consumer — — — Residential 1,446 — 1,446 Total $ 1,446 $ 15,308 $ 16,754 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 Allowance for Credit Losses - Collectively and Individually Evaluated Commercial Commercial Real Estate Consumer Residential Total December 31, 2023 Ending Loan Balance - Collectively Evaluated $ 156,224 $ 730,179 $ 1,111,667 $ 1,198,084 $ 3,196,154 Allowance for Credit Losses - Loans Collectively Evaluated 1,958 15,521 2,566 11,220 31,265 Ending Loan Balance - Individually Evaluated — 15,308 — 1,446 16,754 Allowance for Credit Losses - Loans 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 — — — — — 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 and Modifications Arrow adopted ASU 2022-02, "Troubled Debt Restructurings and Vintage Disclosures)" ("ASU 2022-02") effective January 1, 2023. ASU 2022-02 requires that entities disclose current-period gross charge-offs by year of origination for loans and leases, which has been incorporated in the credit quality table below. In 2023,any loan modifications were in the form of short-term forbearance of interest payments and/or other insignificant actions and were immaterial in nature and do not meet the criteria for the modification disclosure as described in ASU 2022-02. The following table presents credit quality indicators by total loans amortized cost basis by origination year as of December 31, 2023 and December 31, 2022: Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total December 31, 2023 2023 2022 2021 2020 2019 Prior Commercial: Risk rating Satisfactory $ 54,584 $ 34,047 $ 23,470 $ 9,655 $ 4,107 $ 13,360 $ 8,586 $ — $ 147,809 Special mention — — — 117 — — — — 117 Substandard — — — — — 3,199 5,099 — 8,298 Doubtful — — — — — — — — — Total Commercial Loans $ 54,584 $ 34,047 $ 23,470 $ 9,772 $ 4,107 $ 16,559 $ 13,685 $ — $ 156,224 Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — Commercial Real Estate: Risk rating Satisfactory $ 81,582 $ 151,818 $ 105,365 $ 120,845 $ 41,406 $ 174,516 $ 1,667 $ — $ 677,199 Special mention — 10,439 — — — 4,084 — — 14,523 Substandard 150 9,169 1,670 2,533 791 38,955 497 — 53,765 Doubtful — — — — — — — — — Total Commercial Real Estate Loans $ 81,732 $ 171,426 $ 107,035 $ 123,378 $ 42,197 $ 217,555 $ 2,164 $ — $ 745,487 Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — Consumer: Risk rating Performing $ 405,099 $ 355,217 $ 195,799 $ 93,708 $ 44,206 $ 15,252 $ — $ — $ 1,109,281 Nonperforming 208 783 551 210 81 85 468 — 2,386 Total Consumer Loans $ 405,307 $ 356,000 $ 196,350 $ 93,918 $ 44,287 $ 15,337 $ 468 $ — $ 1,111,667 Current-period gross charge-offs $ 366 $ 1,368 $ 2,122 $ 604 $ 397 $ 266 $ 5,123 Residential: Risk rating Performing $ 161,878 $ 231,365 $ 192,588 $ 116,451 $ 73,875 $ 296,935 $ 122,573 $ — $ 1,195,665 Nonperforming — — 444 666 127 2,268 360 — 3,865 Total Residential Loans $ 161,878 $ 231,365 $ 193,032 $ 117,117 $ 74,002 $ 299,203 $ 122,933 $ — $ 1,199,530 Current-period gross charge-offs $ — $ — $ — $ 21 $ — $ 33 $ 54 Total Loans $ 703,501 $ 792,838 $ 519,887 $ 344,185 $ 164,593 $ 548,654 $ 139,250 $ — $ 3,212,908 Total gross charge-offs $ 366 $ 1,368 $ 2,122 $ 625 $ 397 $ 299 $ 5,177 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 For the purposes of the table above, nonperforming consumer and residential loans were those loans on nonaccrual status or are 90 days or more past due and still accruing interest. The recorded investment of consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process is $2.6 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.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
Premises and Equipment	PREMISES AND EQUIPMENT (Dollars In Thousands) A summary of premises and equipment at December 31, 2023 and 2022 is presented below: 2023 2022 Land and Bank Premises $ 60,123 $ 41,295 Equipment, Furniture and Fixtures 37,948 35,107 Construction in Progress 1,099 15,855 Leasehold Improvements 5,127 5,083 Total Cost 104,297 97,340 Accumulated Depreciation and Amortization (49,115) (45,486) Net Owned Premises and Equipment 55,182 51,854 Leased Assets (see Note 18) 4,460 4,637 Net Premises and Equipment $ 59,642 $ 56,491

Other Intangible Assets

Other Intangible Assets	12 Months Ended
	Dec. 31, 2023
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, 2023, 2022 and 2021: Depositor Mortgage Servicing Rights 1 Customer Intangibles 2 Total Gross Carrying Amount, December 31, 2023 $ 2,247 $ 3,296 $ 4,382 $ 9,925 Accumulated Amortization (2,247) (2,725) (3,843) (8,815) Net Carrying Amount, December 31, 2023 $ — $ 571 $ 539 $ 1,110 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 Rollforward of Intangible Assets: 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 Intangible Assets Acquired — — — — Intangible Assets Disposed — — — — Amortization of Intangible Assets — (214) (176) (390) Balance, December 31, 2023 $ — $ 571 $ 539 $ 1,110 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, 2023: Mortgage Customer Intangibles Total Estimated Annual Amortization Expense: 2024 $ 206 $ 155 $ 361 2025 195 107 302 2026 144 89 233 2027 25 72 97 2028 1 55 56 2029 and beyond — 61 61 Total $ 571 $ 539 $ 1,110

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2023
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, 2023 and 2022: Balance at December 31, 2023 2022 Notional Amount: Commitments to Extend Credit $ 444,256 $ 424,197 Standby Letters of Credit 3,824 3,627 Fair Value: Commitments to Extend Credit $ — $ — Standby Letters of Credit — 2 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, 2023 and 2022 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, 2023 and 2022 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. Legal expenses incurred in connection with loss contingencies are expensed as incurred. 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. The various pending legal claims against Arrow will not, in the opinion of management based upon consultation with counsel, result in any material liability. On June 23, 2023, Robert C. Ashe filed a putative class action complaint (Ashe Lawsuit) 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. . On December 5, 2023, plaintiff Ashe filed an amended complaint that changed the putative class period to the period from August 5, 2022 through May 12, 2023, but challenged substantially the same statements on the same basis. On February 9, 2024, the Company moved to dismiss the action in its entirety. That motion is scheduled to be fully briefed on May 6, 2024. All discovery in the action is stayed pending a decision on that motion.. The Company continues to 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. On December 12, 2023 the Company become aware that Stephen Bull filed a complaint (Shareholder Derivative Complaint or Derivative Case) on behalf of Arrow against the three individual defendants in the Ashe Lawsuit as well as against all members of Arrow’s board of directors during the class period in Ashe. The Company is named solely as a nominal defendant in the action and would be the beneficiary of any recovery. The Shareholder Derivative Complaint alleges breaches of fiduciary duty (i) by the Ashe individual defendants based on substantially the same allegedly misleading statements pleaded in the Ashe complaint; and (ii) the director defendants by failing adequately to oversee the individual defendants and maintain internal and disclosure controls. Plaintiffs seek (i) unspecified damages (which would be payable to the Company) for costs incurred as a result of the alleged misstatements, including costs of investigation, remediation, and litigation, (ii) repayment of the director defendants’ compensation on a unjust enrichment theory, and (iii) , an order directing the Company to take all necessary actions to reform and improve its corporate governance, and the recovery of costs and fees associated with the litigation. The Shareholder Derivative Complaint also asserts various federal securities claims based on the same alleged misrepresentations . On March 5, 2024, the parties filed a stipulation under which the defendants accepted service and the case will be stayed pending disposition of the motion to dismiss the Ashe action. The Company intends to vigorously defend itself against the class action and derivative claims.

Time Deposits

Time Deposits	12 Months Ended
	Dec. 31, 2023
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, 2023: Year of Maturity Total Time 2024 $ 626,010 2025 25,250 2026 5,535 2027 4,098 2028 2,183 2029 and beyond — Total $ 663,076

Debt

Debt	12 Months Ended
	Dec. 31, 2023
Debt Disclosure [Abstract]
Debt	DEBT (Dollars in Thousands) Schedule of Borrowings: 2023 2022 Balances at December 31: FHLBNY Overnight Advances 20,000 27,000 FHLBNY Term Advances 6,500 27,800 Total Borrowings $ 26,500 $ 54,800 Maximum Borrowing Capacity at December 31: Federal Funds Purchased $ 28,000 $ 52,000 Federal Home Loan Bank of New York 576,602 663,259 Federal Reserve Bank of New York 738,511 649,112 Available Borrowing Capacity at December 31: Federal Funds Purchased $ 28,000 $ 52,000 Federal Home Loan Bank of New York 550,102 608,458 Federal Reserve Bank of New York 738,511 649,112 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, 2023, the carrying cost for the FHLBNY collateral was approximately $865 million and approximately $1.0 billion for the FRB. As of December 31, 2023, the fair value for the FHLBNY collateral was approximately $703 million and approximately $1.0 billion 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 2023 2022 2023 2022 First Year $ 4,250 $ 27,800 5.80 % 2.70 % Second Year 2,250 — 5.38 % — % Total $ 6,500 $ 27,800 5.66 % 2.70 % Long Term Debt - Guaranteed Preferred Beneficial Interests in Corporation's Junior Subordinated Debentures During 2023, 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, 2023, 2022 and 2021 are classified as debt for financial statement purposes, the expense associated with these securities is recorded as interest expense in the Consolidated Statements of Income for the three years. Schedule of Guaranteed Preferred Beneficial Interests in Corporation's Junior Subordinated Debentures 2023 2022 ACST II Balance at December 31, $ 10,000 $ 10,000 Period End: Variable Interest Rate 8.74 % 6.82 % 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 7.59 % 5.67 % 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, 2023
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Comprehensive Income (Loss), Net of Tax	COMPREHENSIVE INCOME (LOSS), NET OF TAX (Dollars In Thousands) The following table presents the components of other comprehensive income (loss) for the years ended December 31, 2023, 2022 and 2021: Schedule of Comprehensive Income (Loss) Before-Tax Tax Net-of-Tax 2023 Net Unrealized Securities Holding Gains Arising During the Period $ 14,070 (3,629) 10,441 Reclassification Adjustment for Securities Losses Included in Net Income 9,097 (2,345) 6,752 Net Unrealized Gains on Cash Flow Swap (3,908) 1,008 (2,900) Reclassification of Net Unrealized Loss on Cash Flow Hedge Agreements 750 (193) 557 Net Retirement Plan Loss 2,354 (607) 1,747 Prior Service Cost (526) 135 (391) Amortization of Net Retirement Plan Actuarial Loss (162) 43 (119) Amortization of Net Retirement Plan Prior Service Cost 205 (53) 152 Other Comprehensive Income $ 21,880 (5,641) 16,239 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 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 on Cash Flow Hedge Agreements (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 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, 2022 $ (48,841) 4,054 (4,467) (401) (49,655) Other comprehensive income (loss) before reclassifications 10,441 (2,900) 1,747 (391) 8,897 Amounts reclassified from accumulated other comprehensive income (loss) 6,752 557 (119) 152 7,342 Net current-period other comprehensive income (loss) 17,193 (2,343) 1,628 (239) 16,239 December 31, 2023 $ (31,648) 1,711 (2,839) (640) (33,416) December 31, 2021 $ (614) 1,320 639 (998) 347 Other comprehensive (loss) income before reclassifications (48,227) 2,582 (5,147) 428 (50,364) Amounts reclassified from accumulated other comprehensive 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 (loss) income — (94) 68 173 147 Net current-period other comprehensive (loss) income (6,413) 835 6,568 173 1,163 December 31, 2021 $ (614) 1,320 639 (998) 347 (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, 2023 Reclassification of unrealized gains and losses on available-for-sale securities $ (9,097) Net (Loss) Gain on Securities Reclassification of net unrealized gain on cash flow hedge agreements (750) Interest Expense Amortization of defined benefit pension items Prior-service credit (205) (2) Salaries and Employee Benefits Actuarial Loss 162 (2) Salaries and Employee Benefits (9,890) Total before tax 2,548 Provision for Income Taxes Total reclassifications for the period $ (7,342) Net of tax December 31, 2022 Reclassification of net unrealized gain on cash flow hedge agreements (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 126 Interest Expense Amortization of defined benefit pension items Prior-service credit $ (232) (2) Salaries and Employee Benefits Actuarial Loss (91) (2) Salaries and Employee Benefits (197) Total before tax 50 Provision for Income Taxes Total reclassifications for the period $ (147) 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, 2023
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 26, 2023 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, 2023 414,561 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, 2023. Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at January 1, 2023 287,444 $ 28.56 Granted 57,680 $ 31.47 Exercised (4,677) $ 20.62 Forfeited (35,139) $ 30.91 Outstanding at December 31, 2023 305,308 $ 28.96 5.35 $ — Vested at Period-End 206,850 $ 27.84 4.00 $ 21 Expected to Vest 98,458 $ 31.32 8.19 $ — The following is the Schedule of Stock Options Granted Under the Long Term Incentive Plan by Exercise Price Range. Exercise Price Ranges $18.97 $19.99 to $20.41 $27.04 to $27.47 $30.26 $31.34 to $33.78 Total Outstanding at December 31, 2023 Number of Stock Options Outstanding 8,757 20,466 115,903 28,917 131,265 305,308 Weighted-Average Remaining Contractual Life (in years) 0.09 1.61 4.81 3.08 7.27 5.35 Weighted-Average Exercise Price $ 18.97 $ 20.21 $ 27.26 $ 30.26 $ 32.20 $ 28.96 Vested at December 31, 2023 Number of Stock Options Outstanding 8,757 20,466 97,864 28,917 50,846 206,850 Weighted-Average Remaining Contractual Life (in years) 0.09 1.61 4.39 3.08 5.43 4.00 Weighted-Average Exercise Price $ 18.97 $ 20.21 $ 27.30 $ 30.26 $ 32.08 $ 27.84 The following is the Schedule of Other Information on Stock Options Granted. 2023 2022 2021 Stock Options Granted 57,680 60,471 60,646 Weighted Average Grant Date Information: Fair Value of Options Granted $ 7.78 $ 7.21 $ 4.44 Fair Value Assumptions: Dividend Yield 3.30 % 2.90 % 3.41 % Expected Volatility 28.38 % 27.15 % 26.53 % Risk Free Interest Rate 3.57 % 1.69 % 0.49 % Expected Lives (in years) 8.34 8.56 8.75 Amount Expensed During the Year $ 284 $ 312 $ 282 Compensation Costs for Non-vested Awards Not Yet Recognized 536 542 427 Weighted Average Expected Vesting Period, In Years 2.29 2.22 2.16 Proceeds From Stock Options Exercised $ 96 $ 631 $ 1,505 Tax Benefits Related to Stock Options Exercised 11 34 69 Intrinsic Value of Stock Options Exercised 34 338 439 Restricted Stock Units - Historically, the Company has granted 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, unless vested or forfeited prior to vesting in accordance with the terms of the award. 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, 2023. Restricted Stock Units Weighted Average Grant Date Fair Value Non-vested at January 1, 2023 13,925 $ 30.47 Granted 5164 31.47 Vested (19,089) 30.74 Non-vested at December 31, 2023 — — Non-vested at January 1, 2022 14,007 $ 28.42 Granted 4,441 33.78 Vested (4,523) 27.35 Non-vested at December 31, 2022 13,925 30.47 Non-vested at January 1, 2021 12,744 $ 28.94 Granted 5,177 26.90 Vested (3,914) 28.11 Non-vested at December 31, 2021 14,007 28.42 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, 2023, 2022 and 2021. 2023 2022 2021 Amount Expensed During the Year $ 321 $ 141 $ 132 Compensation Costs for Non-vested Awards Not Yet Recognized — 158 149 Employee Stock Purchase Plan In April 2023, Arrow suspended the operation of the ESPP as a result of the now resolved delay in filing the 2022 Form 10-K and the 2023 Q1 Form 10-Q and the related effects under applicable securities laws. In October 2023, the Board of Directors approved the adoption of the 2023 ESPP, which is intended to satisfy all requirements of Section 423 of the Internal Revenue Code, which was effective January 1, 2024. Under the new qualified 2023 ESPP, the amount of the discount is 10%. Until its suspension due to the filing delays, Arrow sponsored an ESPP under which employees purchased 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. The new qualified 2023 ESPP will be submitted to the Arrow shareholders for approval at the next annual meeting of shareholders. In the event the shareholders of the Company do not approve the 2023 ESPP at the Annual Meeting: (i) the 2023 ESPP shall immediately terminate; (ii) all amounts contributed by each participant in the 2023 ESPP which have not been used to purchase Common Stock will be returned to such participant as soon as practicable; and (iii) purchases under the 2023 ESPP made from the Inception Date through the date of termination of the 2023 ESPP shall not be treated as purchased pursuant to an employee stock purchase plan that satisfies Section 423 of the Code and participants would not qualify for favorable tax treatment of such purchases. Employee Stock Ownership Plan Arrow maintains an employee stock ownership plan. Substantially all employees of Arrow and its subsidiaries are eligible to participate upon satisfaction of applicable service requirements. The Company makes voluntary cash contributions to the Plan each year. Schedule of ESOP Compensation Expense 2023 2022 2021 ESOP Compensation Expense $ 1,540 $ 1,457 $ 1,487

Retirement Benefit Plans

Retirement Benefit Plans	12 Months Ended
	Dec. 31, 2023
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, 2023, 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 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 Select Executive Retirement Plan. Segment interest rates of 5.50%, 5.76% and 5.83% were used in determining the present value of a lump sum payment/annuitizing cash balance accounts as of December 31, 2023. 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 2023, settlement accounting was not required. 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, 2023 Fair Value of Plan Assets $ 59,199 $ — $ — Benefit Obligation 42,914 6,904 6,221 Funded Status of Plan $ 16,285 $ (6,904) $ (6,221) 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) Change in Benefit Obligation Benefit Obligation, at January 1, 2023 $ 39,528 $ 6,070 $ 6,482 Service Cost 1 1,593 570 56 Interest Cost 2 2,099 336 332 Plan Participants' Contributions — — 459 Amendments / Curtailments / Special Termination 526 — — Actuarial Gain (Loss) 2,125 357 (397) Benefits Paid (2,957) (429) (711) Benefit Obligation, at December 31, 2023 $ 42,914 $ 6,904 $ 6,221 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 Loss (4,555) (983) (1,571) Benefits Paid (4,892) (462) (706) Benefit Obligation, at December 31, 2022 $ 39,528 $ 6,070 $ 6,482 Change in Fair Value of Plan Assets Fair Value of Plan Assets, at January 1, 2023 $ 54,300 $ — $ — Actual Return on Plan Assets 7,856 — — Employer Contributions — 429 252 Plan Participants' Contributions — — 459 Benefits Paid (2,957) (429) (711) Fair Value of Plan Assets, at December 31, 2023 $ 59,199 $ — $ — Fair Value of Plan Assets, at January 1, 2022 $ 68,925 $ — $ — Actual Return on Plan Assets (9,733) — — Employees' Select Postretirement 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 $ — $ — Accumulated Benefit Obligation at December 31, 2023 $ 42,900 $ 6,904 $ 6,221 Amounts Recognized in the Consolidated Balance Sheets December 31, 2023 Prepaid Pension Asset $ 16,285 $ — $ — Accrued Benefit Liability — (6,904) (6,221) Net Benefit (Expense) Recognized $ 16,285 $ (6,904) $ (6,221) 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) Amounts Recognized in Other Comprehensive Income (Loss) For the Year Ended December 31, 2023 Net Unamortized (Gain) Loss Arising During the Period $ (2,315) $ 358 $ (397) Prior Service Cost 526 — — Amortization of Net (Loss) Gain (118) (73) 353 Amortization of Prior Service Cost (62) (39) (104) Total Other Comprehensive (Loss) Income for Pension and $ (1,969) $ 246 $ (148) 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) Accumulated Other Comprehensive Income December 31, 2023 Net Actuarial Loss (Gain) $ 4,141 $ 1,739 $ (2,641) Prior Service Cost 840 330 262 Total Accumulated Other Comprehensive Income (Loss), Before Tax $ 4,981 $ 2,069 $ (2,379) 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) Employees' Select Postretirement Net Periodic Benefit Cost For the Year Ended December 31, 2023 Service Cost 1 $ 1,593 $ 570 $ 56 Interest Cost 2 2,099 336 332 Expected Return on Plan Assets 2 (3,416) — — Amortization of Prior Service Cost 2 62 39 104 Amortization of Net Loss (Gain) 2 118 73 (353) Net Periodic Benefit Cost $ 456 $ 1,018 $ 139 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 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 (Gain) 2 — 178 (87) Net Periodic Benefit (Income) Cost $ (403) $ 999 $ 377 Weighted-Average Assumptions Used in December 31, 2023 Discount Rate 5.52 % 5.53 % 5.51 % Rate of Compensation Increase 4.00 % 4.00 % 4.00 % Interest Rate Credit for Determining 4.66 % 4.66 % Interest Rates segments to Annuitize Cash 5.50%, 5.76% and 5.83% 5.50%, 5.76% and 5.83% Interest Rates to Convert Annuities to Actuarially 5.50%,5.76% and 5.83% 5.50%, 5.76% and 5.83% 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 % Employees' Select Postretirement Weighted-Average Assumptions Used in December 31, 2023 Discount Rate 5.59 % 5.61 % 5.62 % Expected Long-Term Return on Plan Assets 6.50 % Rate of Compensation Increase 3.50 % 3.50 % 3.50 % Interest Rate Credit for Determining 3.99 % 3.99 % Interest Rates to Annuitize Cash 5.50%, 5.76% and 5.83% 5.50%, 5.76% and 5.83% Interest Rates to Convert Annuities to Actuarially 5.50%, 5.76% and 5.83% 5.50%, 5.76% and 5.83% 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% 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, 2023 Cash $ — $ — $ — $ — — % — % 15.0 % Interest-Bearing Money Market Fund 1,257 — — 1,257 2.1 % — % 15.0 % Arrow Common Stock 5,443 — — 5,443 9.2 % — % 10.0 % North Country Funds - Equity 2 20,012 — — 20,012 33.8 % Other Mutual Funds - Equity 19,883 — — 19,883 33.6 % Total Equity Funds 39,895 — — 39,895 67.4 % 55.0 % 85.0 % Other Mutual Funds - Fixed Income 12,012 — — 12,012 20.3 % Total Fixed Income Funds 12,012 — — 12,012 20.3 % 10.0 % 30.0 % Alternative ETF 592 — — 592 1.0 % — % 20.0 % Total $ 59,199 $ — $ — $ 59,199 100.0 % 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 % North Country Funds - Fixed income 2 — — — — — % 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 % 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 2024 $ 3,739 $ 701 $ 613 2025 3,468 682 622 2026 3,262 653 643 2027 3,330 654 664 2028 3,336 623 636 2029 - 2033 16,545 2,713 2,727 Estimated Contributions During 2024 $ — $ 701 $ 613 Assumed Health Care Cost Trend Rates December 31, 2023 Health Care Cost Trend 7.75 % Rate to which the Cost Trend 4.04 % Year that the Rate Reaches 2075 December 31, 2022 Health Care Cost Trend 7.75 % Rate to which the Cost Trend 4.04 % 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, 2023
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: 2023 2022 2021 Legal and Other Professional Fees 8,989 3,076 2,706 Postage and Courier 1,367 1,277 1,044 Advertising and Promotion 1,173 1,190 1,083 Stationery and Printing 832 805 721 Intangible Asset Amortization 176 193 210 Litigation Reserve Expense — — 1,475 All Other 6,630 4,490 4,285 Total Other Operating Expense $ 19,169 $ 11,031 $ 11,524

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2023
Income Tax Disclosure [Abstract]
Income Taxes	INCOME TAXES (Dollars In Thousands) The provision for income taxes is summarized below: Current Tax Expense: 2023 2022 2021 Federal $ 4,611 $ 12,263 $ 10,957 State 1,035 3,103 2,645 Total Current Tax Expense 5,646 15,366 13,602 Deferred Tax Expense (Benefit): Federal 1,825 (798) 712 State (26) (454) 233 Total Deferred Tax Expense (Benefit) 1,799 (1,252) 945 Total Provision for Income Taxes $ 7,445 $ 14,114 $ 14,547 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: 2023 2022 2021 Statutory Federal Tax Rate 21.0 % 21.0 % 21.0 % (Decrease) Increase Resulting From: Tax-Exempt Income (2.3) (1.4) (1.5) State Taxes, Net of Federal Income Tax Benefit 2.3 3.4 3.4 Other Items, Net (1.2) (0.6) (0.3) Effective Tax Rate 19.8 % 22.4 % 22.6 % The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2023 and 2022 are presented below: 2023 2022 Deferred Tax Assets: Net Unrealized Losses on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income $ 11,003 $ 16,914 Allowance for Credit Losses 8,475 8,199 Lease liabilities 2,635 2,821 Pension and Deferred Compensation Plans 3,708 3,571 Pension Liability Included in Accumulated Other Comprehensive Income 1,210 1,692 Historic Tax Credit 363 749 Other 781 745 Total Gross Deferred Tax Assets 28,175 34,691 Valuation Allowance for Deferred Tax Assets — — Total Gross Deferred Tax Assets, Net of Valuation Allowance $ 28,175 $ 34,691 Deferred Tax Liabilities: Pension Plans $ 5,489 $ 5,606 Depreciation 5,094 3,165 ROU assets 2,426 2,646 Deferred Income 3,905 3,266 Net Unrealized Gains on Equity Securities 207 272 Goodwill 3,379 3,416 Gain on Cash Flow Hedge Agreements Included in Accumulated Other Comprehensive Income 590 1,404 Total Gross Deferred Tax Liabilities $ 21,090 $ 19,775 Deferred Tax Asset, Net $ 7,085 $ 14,916 Management believes that the realization of the recognized gross deferred tax assets at December 31, 2023 and 2022 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 income tax returns, nor have we been notified of any upcoming examinations. The State of New York is currently conducting a desk audit of the Special Additional Mortgage Recording Tax Credit that Arrow claimed on the 2021 New York State income tax return. Our Tax years 2020 through 2023 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, 2023.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2023
Earnings Per Share [Abstract]
Earnings Per Share	EARNINGS PER SHARE (Dollars In Thousands, Except Per Share Amounts) The followin g 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, 2023. All share and per share amounts have been adjusted for the September 26, 2023 3% stock dividend. Earnings Per Share Year-to-Date Period Ended: 12/31/2023 12/31/2022 12/31/2021 Earnings Per Share - Basic: Net Income $ 30,075 $ 48,799 $ 49,857 Weighted Average Shares - Basic 17,037 17,008 16,994 Earnings Per Share - Basic $ 1.77 $ 2.86 $ 2.93 Earnings Per Share - Diluted: Net Income $ 30,075 $ 48,799 $ 49,857 Weighted Average Shares - Basic 17,037 17,008 16,994 Dilutive Average Shares Attributable to Stock Options — 51 58 Weighted Average Shares - Diluted 17,037 17,059 17,052 Earnings Per Share - Diluted $ 1.77 $ 2.86 $ 2.92

Fair Values

Fair Values	12 Months Ended
	Dec. 31, 2023
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, 2023 and 2022 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, 2023 Assets: Securities Available-for Sale: U.S. Treasuries $ 74,004 $ — $ 74,004 $ — U.S. Government & Agency Obligations $ 152,925 $ — $ 152,925 $ — State and Municipal Obligations 280 — 280 — Mortgage-Backed Securities 269,760 — 269,760 — Corporate and Other Debt Securities 800 — 800 — Total Securities Available-for-Sale 497,769 — 497,769 $ — Equity Securities 1,925 — 1,925 — Total Securities Measured on a Recurring Basis 499,694 — 499,694 — Derivative Assets 12,057 — 12,057 — Total Measured on a Recurring Basis $ 511,751 $ — $ 511,751 $ — Liabilities: Derivative Liabilities $ 9,598 $ — $ 9,598 $ — Total Measured on a Recurring Basis $ 9,598 $ — $ 9,598 $ — 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 — Derivative Assets 7,506 — 7,506 — Total Measured on a Recurring Basis $ 583,175 $ — $ 583,175 $ — Liabilities: Derivative Liabilities $ 2,060 $ — $ 2,060 $ — Total Measured on a Recurring Basis $ 2,060 $ — $ 2,060 $ — 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, 2023 Collateral Dependent Impaired Loans $ — $ — $ — $ — $ — Other Real Estate Owned and Repossessed Assets, Net 312 — — 312 — December 31, 2022 Collateral Dependent Impaired Loans $ — $ — $ — $ — $ — Other Real Estate Owned and Repossessed Assets, Net 593 — — 593 — 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, 2023 or 2022. 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, 2023 and 2022. 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, 2023 Cash and Cash Equivalents $ 142,536 $ 142,536 $ 142,536 $ — $ — Securities Available-for-Sale 497,769 497,769 — 497,769 — Securities Held-to-Maturity 131,395 128,837 — 128,837 — Equity Securities 1,925 1,925 1,925 Federal Home Loan Bank and Federal Reserve Bank Stock 5,049 5,049 — 5,049 — Net Loans 3,181,643 2,940,318 — — 2,940,318 Accrued Interest Receivable 11,076 11,076 — 11,076 — Derivative Assets 12,057 12,057 — 12,057 — Deposits 3,687,566 3,683,122 — 3,683,122 — Borrowings 26,500 26,189 — 26,189 — Junior Subordinated Obligations Issued 20,000 20,000 — 20,000 — Accrued Interest Payable 6,289 6,289 — 6,289 — Derivative Liabilities 9,598 9,598 — 9,598 — 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 — Derivative Assets 7,506 7,506 — 7,506 — Deposits 3,498,364 3,492,021 — 3,492,021 — Borrowings 54,800 54,757 — 54,757 — Junior Subordinated Obligations Issued 20,000 20,000 — 20,000 — Accrued Interest Payable 357 357 — 357 — Derivative Liabilities 2,060 2,060 — 2,060 —

Leases

Leases	12 Months Ended
	Dec. 31, 2023
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. Additional information regarding this relationship 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, 2023 and December 31, 2022: Twelve Months Ended Finance Lease Amounts: Classification December 31, 2023 December 31, 2022 Right-of-Use Assets Premises and Equipment, Net $ 4,460 $ 4,637 Lease Liabilities Finance Leases 5,066 5,119 Operating Lease Amounts: Right-of-Use Assets Other Assets $ 4,948 $ 5,627 Lease Liabilities Other Liabilities 5,152 5,822 Other Information: Cash Paid For Amounts Included In The Measurement Of Lease Liabilities: Operating Outgoing Cash Flows From Finance Leases 191 193 Operating Outgoing Cash Flows From Operating Leases 817 1,301 Financing Outgoing Cash Flows From Finance Leases 53 50 Right-of-Use Assets Obtained In Exchange For New Finance Lease Liabilities — — Right-of-Use Assets Obtained In Exchange For New Operating Lease Liabilities 146 — Weighted-average Remaining Lease Term - Finance Leases (Yrs.) 26.28 27.24 Weighted-average Remaining Lease Term - Operating Leases (Yrs.) 11.15 11.14 Weighted-average Discount Rate—Finance Leases 3.75 % 3.75 % Weighted-average Discount Rate—Operating Leases 3.08 % 2.92 % Lease cost information for the Company's leases is as follows: Three Months Ended Twelve Months Ended December 31, 2023 December 31, 2022 December 31, 2023 December 31, 2022 Lease Cost: Finance Lease Cost: Reduction in the Carrying Amount of Right-of-Use Assets $ 44 $ 44 $ 176 $ 177 Interest on Lease Liabilities 48 48 191 193 Operating Lease Cost 195 304 981 1,229 Short-term Lease Cost 15 15 61 47 Variable Lease Cost 52 81 231 334 Total Lease Cost $ 354 $ 492 $ 1,640 $ 1,980 Future Lease Payments at December 31, 2023 are as follows: Operating Leases Finance Leases Twelve Months Ended: 12/31/2024 $ 731 $ 249 12/31/2025 684 263 12/31/2026 620 268 12/31/2027 569 268 12/31/2028 487 268 Thereafter 3,089 6,996 Total Undiscounted Cash Flows 6,180 8,312 Less: Net Present Value Adjustment 1,028 3,244 Lease Liability $ 5,152 $ 5,066
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. Additional information regarding this relationship 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, 2023 and December 31, 2022: Twelve Months Ended Finance Lease Amounts: Classification December 31, 2023 December 31, 2022 Right-of-Use Assets Premises and Equipment, Net $ 4,460 $ 4,637 Lease Liabilities Finance Leases 5,066 5,119 Operating Lease Amounts: Right-of-Use Assets Other Assets $ 4,948 $ 5,627 Lease Liabilities Other Liabilities 5,152 5,822 Other Information: Cash Paid For Amounts Included In The Measurement Of Lease Liabilities: Operating Outgoing Cash Flows From Finance Leases 191 193 Operating Outgoing Cash Flows From Operating Leases 817 1,301 Financing Outgoing Cash Flows From Finance Leases 53 50 Right-of-Use Assets Obtained In Exchange For New Finance Lease Liabilities — — Right-of-Use Assets Obtained In Exchange For New Operating Lease Liabilities 146 — Weighted-average Remaining Lease Term - Finance Leases (Yrs.) 26.28 27.24 Weighted-average Remaining Lease Term - Operating Leases (Yrs.) 11.15 11.14 Weighted-average Discount Rate—Finance Leases 3.75 % 3.75 % Weighted-average Discount Rate—Operating Leases 3.08 % 2.92 % Lease cost information for the Company's leases is as follows: Three Months Ended Twelve Months Ended December 31, 2023 December 31, 2022 December 31, 2023 December 31, 2022 Lease Cost: Finance Lease Cost: Reduction in the Carrying Amount of Right-of-Use Assets $ 44 $ 44 $ 176 $ 177 Interest on Lease Liabilities 48 48 191 193 Operating Lease Cost 195 304 981 1,229 Short-term Lease Cost 15 15 61 47 Variable Lease Cost 52 81 231 334 Total Lease Cost $ 354 $ 492 $ 1,640 $ 1,980 Future Lease Payments at December 31, 2023 are as follows: Operating Leases Finance Leases Twelve Months Ended: 12/31/2024 $ 731 $ 249 12/31/2025 684 263 12/31/2026 620 268 12/31/2027 569 268 12/31/2028 487 268 Thereafter 3,089 6,996 Total Undiscounted Cash Flows 6,180 8,312 Less: Net Present Value Adjustment 1,028 3,244 Lease Liability $ 5,152 $ 5,066

Derivative Instruments and Hedg

Derivative Instruments and Hedging Activities	12 Months Ended
	Dec. 31, 2023
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 Arrow's assets or liabilities. Arrow 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 entered 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 a hedge for accounting purposes. As the interest rate swap agreements have substantially equivalent and offsetting terms, they do not present any material exposure to 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, not designated as hedging instruments, 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, 2023 December 31, 2022 Fair value adjustment included in other assets $ 6,208 $ 7,506 Fair value adjustment included in other liabilities 6,208 7,506 Notional amount 123,197 127,763 Derivatives Designated as Hedging Instruments Arrow entered into two pay-fixed portfolio layer method fair value swaps, designated as hedging instruments, with a total notional amount of $250 million and $50 million, respectively, in the third quarter of 2023. Arrow is designating the fair value swaps under the portfolio layer method ("PLM"). Under PLM, the hedged items are designated as hedged layers of a closed portfolio of financial loans that are anticipated to remain outstanding for the designated hedged period. Adjustments will be made to record the swaps at fair value on the Consolidated Balance Sheets, with changes in fair value recognized in interest income. The carrying value of the fair value swaps on the Consolidated Balance Sheets will also be adjusted through interest income, based on changes in fair value attributable to changes in the hedged risk. The following table depicts the fair value adjustment recorded related to the notional amount of derivatives, designed as hedging instruments, outstanding as well as the notional amount of the interest rate swap agreements: Derivatives Designated as Hedging Instruments - Fair Value Agreements December 31, 2023 December 31, 2022 Fair value adjustment included in other assets $ — $ — Fair value adjustment included in other liabilities 5,678 — Notional amount 300,000 — The following table summarizes the effect of the fair value hedging relationship recognized on the consolidated statement of income: Derivatives Designated as Hedging Instruments - Fair Value Agreements Twelve Months Ended Twelve Months Ended December 31, 2023 December 31, 2022 Hedged Asset $ 5,849 $ — Fair value derivative designated as hedging instrument (5,828) — Total gain recognized in the consolidated statements of income with interest and fees on loans 21 — The following table represents the carrying value of the portfolio layer method hedged assets and the cumulative fair value hedging adjustment included in the carrying value of the hedged asset: Derivatives Designated as Hedging Instruments - Fair Value Swap Agreements December 31, 2023 December 31, 2022 Carrying Value of Portfolio Layer Method Hedged Asset $ 305,849 $ — Cumulative Fair Value Hedging Adjustment 5,849 — In the fourth quarter of 2023, Arrow entered into two interest rate swaps, designated as hedging instruments, to add stability to interest expense and to manage its exposure to the variability of the future cash flows attributable to the contractually specified interest rates. The notional amounts were $100 million and $75 million, respectively. Arrow entered into pay-fixed interest rate swaps to convert rolling 90 days brokered deposits. 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. 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, 2023 December 31, 2022 Fair value adjustment included in other liabilities $ 2,710 $ — Amount of loss recognized in AOCI (2,553) — Amount of gain reclassified from AOCI interest expense 157 — In addition, 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, 2023 December 31, 2022 Fair value adjustment included in other liabilities $ (4,998) $ (5,446) Amount of (loss) gain recognized in AOCI (1,355) 3,467 Amount of loss reclassified from AOCI interest expense (907) (204)

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2023
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, 2023, the maximum amount that could have been paid by subsidiary banks to Arrow, without prior regulatory approval, was approximately $73.6 million. Under current Federal Reserve regulations, Arrow is prohibited from borrowing from the subsidiary banks unless such borrowings are secured by specific obligations. Additionally, the maximum of any such borrowings from any one subsidiary bank (aggregated with all other "covered transactions" between the bank and Arrow) is limited to 10% of that bank’s capital and surplus. Loans and other covered transactions between any one subsidiary bank and all of its affiliates cannot exceed 20% of that bank's capital and surplus. Arrow and its subsidiary banks are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory--and possibly additional discretionary--actions by regulators that, if undertaken, could have a direct material effect on an institution’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, Arrow and its subsidiary banks must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Current quantitative measures established by regulation to ensure capital adequacy require Arrow and its subsidiary banks to maintain minimum capital amounts and ratios (set forth in the table below) of total and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined). Management believes, as of December 31, 2023 and 2022, 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, 2023, 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, 2023 and 2022: 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, 2023 Total Capital Arrow $ 447,091 14.7 % $ 319,351 10.5 % $ 304,144 10.0 % Glens Falls National 320,449 14.3 % 235,295 10.5 % 224,090 10.0 % Saratoga National 110,510 13.7 % 84,697 10.5 % 80,664 10.0 % Tier I Capital Arrow 414,221 13.7 % 256,998 8.5 % 241,881 8.0 % Glens Falls National 297,667 13.2 % 191,680 8.5 % 180,404 8.0 % Saratoga National 100,449 12.5 % 68,305 8.5 % 64,287 8.0 % Actual Minimum Amounts For Capital Adequacy Purposes (including "capital conservation buffer") Minimum Amounts To Be Well-Capitalized Amount Ratio Amount Ratio Amount Ratio Tier I Capital Arrow 414,221 9.8 % 169,070 4.0 % 211,337 5.0 % Glens Falls National 297,667 9.2 % 129,420 4.0 % 161,776 5.0 % Saratoga National 100,449 9.6 % 41,854 4.0 % 52,317 5.0 % Common Equity Tier 1 Capital Arrow 394,166 13.0 % 212,243 7.0 % 197,083 6.5 % Glens Falls National 297,612 13.2 % 157,825 7.0 % 146,551 6.5 % Saratoga National 100,449 12.5 % 56,251 7.0 % 52,233 6.5 % 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 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 %

Parent Only Financial Informati

Parent Only Financial Information	12 Months Ended
	Dec. 31, 2023
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 2023 2022 Interest-Bearing Deposits with Subsidiary Banks $ 1,305 $ 1,532 Equity Securities 1,925 2,174 Investment in Subsidiaries at Equity 381,160 354,664 Other Assets 17,185 16,458 Total Assets $ 401,575 $ 374,828 LIABILITIES Junior Subordinated Obligations Issued to $ 20,000 $ 20,000 Other Liabilities 1,803 1,290 Total Liabilities 21,803 21,290 STOCKHOLDERS’ EQUITY Total Stockholders’ Equity 379,772 353,538 Total Liabilities and Stockholders’ Equity $ 401,575 $ 374,828 STATEMENTS OF INCOME Years Ended December 31, Income: 2023 2022 2021 Dividends from Bank Subsidiaries $ 24,000 $ 19,264 $ 15,994 Interest and Dividends on Investments 47 49 49 Other Income (Including Management Fees) 363 1,095 664 Total Income 24,410 20,408 16,707 Expense: Interest Expense 685 685 686 Other Expense 4,280 1,030 879 Total Expense 4,965 1,715 1,565 Income Before Income Tax Benefit and Equity in Undistributed Net Income of Subsidiaries 19,445 18,693 15,142 Income Tax Benefit 1,242 257 312 Equity in Undistributed Net Income of Subsidiaries 9,388 29,849 34,403 Net Income $ 30,075 $ 48,799 $ 49,857 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, 2023 2022 2021 Cash Flows from Operating Activities: Net Income $ 30,075 $ 48,799 $ 49,857 Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities: Undistributed Net Income of Subsidiaries (9,388) (29,849) (34,403) Shares Issued Under the Directors’ Stock Plan 218 408 376 Changes in Other Assets and Other Liabilities (229) (754) (462) Net Cash Provided by Operating Activities 20,676 18,604 15,368 Cash Flows from Financing Activities: Stock Options Exercised 96 631 1,505 Shares Issued Under the Employee Stock Purchase Plan 120 477 481 Shares Issued for Dividend Reinvestment Plans 472 1,904 1,836 Purchase of Treasury Stock (3,608) (2,872) (2,662) Cash Dividends Paid (17,983) (17,444) (16,296) Net Cash Used in Financing Activities (20,903) (17,304) (15,136) Net (Decrease) Increase in Cash and Cash Equivalents (227) 1,300 232 Cash and Cash Equivalents at Beginning of the Year 1,532 232 — Cash and Cash Equivalents at End of the Year $ 1,305 $ 1,532 $ 232 Supplemental Disclosures to Statements of Interest Paid $ 685 $ 685 $ 686

Related Party Transaction

Related Party Transaction	12 Months Ended
	Dec. 31, 2023
Related Party Transactions [Abstract]
Related Party Transaction	RELATED PARTY TRANSACTION A 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 provided added energy efficiency and more collaborative work space. In 2023, Arrow paid $2.8 million to this general contractor. GFNB is a subsidiary of Arrow Financial Corporation.

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2023
Subsequent Events [Abstract]
Subsequent Events	SUBSEQUENT EVENTS

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Pay vs Performance Disclosure
Net Income	$ 30,075	$ 48,799	$ 49,857

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Dec. 31, 2023
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2023
Accounting Policies [Abstract]
Principles of Consolidation	Principles of Consolidation - The financial statements of Arrow and its wholly owned subsidiaries are consolidated and all material inter-company transactions have been eliminated. In the “Parent Company Only” financial statements in Note 21, the investment in wholly owned subsidiaries is carried under the equity method of accounting. When necessary, prior years’ Consolidated Financial Statements have been reclassified to conform to the current-year financial statement presentation. 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	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 -
Securities	Securities - Management determines the appropriate classification of securities at the time of purchase. Securities reported as held-to-maturity are those debt securities which Arrow has both the positive intent and ability to hold to maturity and are stated at amortized cost. Securities available-for-sale are reported at fair value, with unrealized gains and losses reported in accumulated other comprehensive income or loss, net of taxes. Equity securities with readily determinable fair values are stated at fair value with realized and unrealized gains and losses reported in income. 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	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. 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 - 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. 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. 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)	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	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	Other Real Estate Owned and Repossessed Assets - Real estate acquired by foreclosure and assets acquired by repossession are recorded at the fair value of the property less estimated costs to sell at the time of repossession. Subsequent declines in fair value, after transfer to other real estate owned and repossessed assets are recognized through a valuation allowance. Such declines in fair value along with related operating expenses to administer such properties or assets are charged directly to operating expense.
Premises and Equipment	Premises and Equipment - Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation and amortization included in operating expenses are computed largely on the straight-line method. Depreciation is based on the estimated useful lives of the assets (buildings and improvements 20-40 years; furniture and equipment 7-10 years; data processing equipment 5-7 years) and, in the case of leasehold improvements, amortization is computed over the terms of the respective leases or their estimated useful lives, whichever is shorter. Gains or losses on disposition are reflected in earnings.
Leases	Leases -
Investments in Real Estate Limited Partnerships	Investments in Real Estate Limited Partnerships - These limited partnerships acquire, develop and operate low and moderate-income housing. As a limited partner in these projects, Arrow receives low income housing tax credits and tax deductions for losses incurred by the underlying properties. The proportional amortization method allowed in Accounting Standards Update 2014-01 "Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Qualified Affordable Housing Projects" is applied. The proportional amortization method permits an entity to amortize the initial cost of the investment in proportion to the amount of the tax credits and other tax benefits received and to recognize the net investment performance in the income statement as a component of income tax expense.
Investments in Historical Tax Credits	Investments in Historical Tax Credits - Arrow accounts for historic rehabilitation tax credits using the deferral method of accounting under which the tax benefit generated from an investment tax credit is recorded as a reduction to the GAAP asset basis. Accordingly, Arrow recognized a current tax receivable and a deferred tax asset and corresponding reduction in the basis of Arrow's historic tax credit investment.
Bank-Owned Life Insurance	Bank-Owned Life Insurance - Arrow has purchased life insurance policies on certain employees, key executives and directors. Bank-owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.
Derivative Instruments and Hedging Activities	Derivative Instruments and Hedging Activities - Arrow enters into interest rate swap agreements that are not designated as hedges for accounting purposes. As the interest rate swap agreements have substantially equivalent and offsetting terms, they do not present any material exposure to Arrow's consolidated statements of income. Arrow records its interest rate swap agreements at fair value and is presented on a gross basis within other assets and other liabilities on the consolidated balance sheets. Changes in the fair value of assets and liabilities arising from these derivatives are included, net, in other income in the consolidated statement of income. Arrow also enters into pay-fixed portfolio layer method fair value swaps, designated as hedging instruments. Arrow is designating the fair value swaps under the portfolio layer method ("PLM"). Under PLM, the hedged items are designated as hedged layers of a closed portfolio of financial loans that are anticipated to remain outstanding for the designated hedged period. Adjustments will be made to record the swaps at fair value on the Consolidated Balance Sheets, with changes in fair value recognized in interest income. The carrying value of the fair value swaps on the Consolidated Balance Sheets will also be adjusted through interest income, based on changes in fair value attributable to changes in the hedged risk. In addition, Arrow enters into interest rate swaps to add stability to interest expense and to manage its exposure to the variability of the future cash flows attributable to the contractually specified interest rates and to synthetically fix the variable rate interest payments in outstanding subordinated trust securities. These agreements are designated as cash flow hedges. For derivatives designated and that qualify as cash flow hedges of interest rate risk, the gain or loss on the derivative is recorded in Accumulated Other Comprehensive Income and subsequently reclassified into interest expense in the same period during which the hedge transaction affects earnings.
Income Taxes	Income Taxes - Arrow accounts for income taxes under the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period that includes the enactment date. Arrow’s policy is that deferred tax assets are reduced by a valuation allowance if, based on the weight of available evidence, it is more likely than not that some or all of the deferred tax assets will not be realized.
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets - Identifiable intangible assets acquired in a business combination are capitalized and amortized. Any remaining unidentifiable intangible asset is classified as goodwill, for which amortization is not required but which must be evaluated for impairment. Arrow tests for impairment of goodwill on an annual basis, or when events and circumstances indicate potential impairment. In evaluating goodwill for impairment, Arrow first assesses certain qualitative factors to determine if it is more likely than not that the fair value of the reporting unit is less than its carrying value. If it is more likely than not that the fair value of a reporting unit exceeds its carrying amount, goodwill of the reporting unit is considered not impaired. If the carrying amount of a reporting unit exceeds its fair value, the second step of the goodwill impairment test is performed to measure the amount of impairment loss, if any. 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	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.
Stock-Based Compensation Plans	Stock-Based Compensation Plans - Arrow has three stock-based compensation plans, which are described more fully in Note 12, Stock Based Compensation. The Company expenses the grant date fair value of stock options and restricted stock units granted. For stock options and restricted stock units, the expense is recognized over the vesting period of the grant, typically four years for stock options and three years for restricted stock units, on a straight-line basis. Shares are generally issued from treasury for the exercise of stock options. In October 2023, the Board of Directors approved the adoption of the new qualified 2023 ESPP, which is intended to satisfy the requirements of Section 423 of the Internal Revenue Code, which was effective January 1, 2024. Under the new qualified 2023 ESPP, the amount of the discount is 10%. Until its suspension due to the filing delays, Arrow sponsored an ESPP under which employees purchased 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. 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, 2023 and 2022, there were no loans outstanding and no unallocated shares. Arrow may, in its sole discretion, make additional cash contributions to the Plan each year on behalf of the participants.
Securities Sold Under Agreements to Repurchase	Securities Sold Under Agreements to Repurchase - In securities repurchase agreements, Arrow receives cash from a counterparty in exchange for the transfer of securities to a third party custodian’s account that explicitly recognizes Arrow’s interest in the securities. These agreements are accounted for by Arrow as secured financing transactions, since it maintains effective control over the transferred securities, and meets other criteria for such accounting. Accordingly, the cash proceeds are recorded as borrowed funds, and the underlying securities continue to be carried in Arrow’s securities available-for-sale portfolio.
Earnings Per Share (“EPS”)	Earnings Per Share (“EPS”) - Basic EPS excludes dilution and is computed by dividing income available to common stockholders by the weighted average number of common shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity (such as Arrow’s stock options), computed using the treasury stock method. Unallocated common shares held by Arrow’s ESOP are not included in the weighted average number of common shares outstanding for either the basic or diluted EPS calculation.
Financial Instruments	Financial Instruments - Arrow is party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Commitments to extend credit include home equity lines of credit, commitments for residential and commercial construction loans and other personal and commercial lines of credit. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The contract or notional amounts of those instruments reflect the extent of the involvement Arrow has in particular classes of financial instruments. Arrow's policy is to record such instruments when funded. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time Arrow's entire holdings of a particular financial instrument. Because no market exists for a significant portion of Arrow's financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. For example, Arrow has a wealth management department that contributes net fee income annually. The value of the wealth management department customer relationships is not considered a financial instrument of the Company, and therefore this value has not been incorporated into the fair value estimates. Other significant assets and liabilities that are not considered financial assets or liabilities include deferred taxes, premises and equipment, the value of low-cost, long-term core deposits and goodwill. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the estimates. The fair value for loans is disclosed using the "exit price" notion which is a reasonable estimate of what another party might pay in an orderly transaction. Fair values for loans are calculated for portfolios of loans with similar financial characteristics. Loans are segregated by type such as commercial, commercial real estate, residential mortgage, indirect auto and other consumer loans. Each loan category is further segmented into fixed and adjustable interest rate terms and by performing and nonperforming categories. The fair value of performing loans is calculated by determining the estimated future cash flow, which is the contractual cash flow adjusted for estimated prepayments. The discount rate is determined by starting with current market yields, and adjusting for a discount spread. The discount spread is applied separately for each loan type based on market information. A liquidity premium is determined for each loan type based on market inefficiencies associated with the sale of a financial instrument. Finally, a credit loss component is determined utilizing the credit loss assumptions used in the allowance for 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	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.
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, 2023 or 2022. 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, 2023 and 2022. 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.
Accounting Standards Adopted In 2023	The following accounting standard was adopted by Arrow in 2023.

Cash and Cash Equivalents (Tabl

Cash and Cash Equivalents (Tables)	12 Months Ended
	Dec. 31, 2023
Cash and Cash Equivalents [Abstract]
Schedule of Cash and Cash Equivalents	2023 2022 Balances at December 31: Cash and Due From Banks $ 36,755 $ 31,886 Interest-Bearing Deposits at Banks 105,781 32,774 Total Cash and Cash Equivalents $ 142,536 $ 64,660
Restrictions on Cash and Cash Equivalents	2023 2022 Balances at December 31: Cash and Due From Banks $ 36,755 $ 31,886 Interest-Bearing Deposits at Banks 105,781 32,774 Total Cash and Cash Equivalents $ 142,536 $ 64,660

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Available-for-sale Securities	The following table is the schedule of Available-For-Sale Securities at December 31, 2023 and 2022: Available-For-Sale Securities U.S. Treasuries U.S. Government & Agency State and Mortgage- Corporate Total December 31, 2023 Available-For-Sale Securities, $ 73,761 $ 160,000 $ 280 $ 305,161 $ 1,000 $ 540,202 Gross Unrealized Gains 243 51 — 6 — 300 Gross Unrealized Losses — (7,126) — (35,407) (200) (42,733) Available-For-Sale Securities, $ 74,004 $ 152,925 $ 280 $ 269,760 $ 800 $ 497,769 Available-For-Sale Securities, 242,938 Maturities of Debt Securities, Within One Year 48,844 15,000 — 2,546 — 66,390 From 1 - 5 Years 24,917 145,000 — 148,164 — 318,081 From 5 - 10 Years — — 280 154,451 1,000 155,731 Over 10 Years — — — — — — Maturities of Debt Securities, Within One Year 48,915 14,858 — 2,481 — 66,254 From 1 - 5 Years 25,089 138,067 — 135,570 — 298,726 From 5 - 10 Years — — 280 131,709 800 132,789 Over 10 Years — — — — — — Securities in a Continuous Less than 12 Months $ — $ — $ — $ — $ — $ — 12 Months or Longer — 137,874 — 269,286 800 407,960 Total $ — $ 137,874 $ — $ 269,286 $ 800 $ 407,960 Number of Securities in a — 19 — 97 1 117 Available-For-Sale Securities U.S. Treasuries U.S. Government & Agency State and Mortgage- Corporate Total Unrealized Losses on Less than 12 Months $ — $ — $ — $ — $ — $ — 12 Months or Longer — 7,126 — 35,407 200 42,733 Total $ — $ 7,126 $ — $ 35,407 $ 200 $ 42,733 Disaggregated Details: US Treasury Obligations, $ 73,761 US Treasury Obligations, 74,004 US Agency Obligations, $ 160,000 US Agency Obligations, 152,925 Local Municipal Obligations, at Amortized Cost $ 280 Local Municipal Obligations, at Fair Value 280 US Government Agency $ 7,291 US Government Agency 6,864 Government Sponsored Entity 297,870 Government Sponsored Entity 262,896 Corporate Trust Preferred Securities, at Amortized Cost $ 1,000 Corporate Trust Preferred Securities, at Fair Value 800 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 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 Local Municipal Obligations, at Amortized Cost $ 340 Local Municipal Obligations, at Fair Value 340 US Government Agency $ 7,934 US Government Agency 7,433 Government Sponsored Entity 439,821 Government Sponsored Entity 389,723 Corporate Trust Preferred Securities, at Amortized Cost $ 1,000 Corporate Trust Preferred Securities, at Fair Value 800 The following is a summary of realized losses recognized in net income on available-for-sale securities sold during the years ended December 31, 2023 and 2022: December 31, 2023 2022 Proceeds Received on Sale of AFS Securities $ 100,739 $ — Basis of AFS investments Sold 109,836 — Net Loss Recognized on Sale of AFS Securities $ (9,097) $ —
Held-to-maturity Securities	The following table is the schedule of Held-To-Maturity Securities at December 31, 2023 and 2022: Held-To-Maturity Securities State and Mortgage- Total December 31, 2023 Held-To-Maturity Securities, $ 122,450 $ 8,945 $ 131,395 Gross Unrealized Gains — — — Gross Unrealized Losses (2,157) (401) (2,558) Held-To-Maturity Securities, $ 120,293 $ 8,544 $ 128,837 Held-To-Maturity Securities, 112,472 Maturities of Debt Securities, Within One Year 47,565 — 47,565 From 1 - 5 Years 72,609 8,945 81,554 From 5 - 10 Years 2,247 — 2,247 Over 10 Years 29 — 29 Maturities of Debt Securities, Within One Year 47,293 — 47,293 From 1 - 5 Years 70,751 8,543 79,294 From 5 - 10 Years 2,220 — 2,220 Over 10 Years 29 — 29 Securities in a Continuous Less than 12 Months $ 1,472 $ — $ 1,472 12 Months or Longer 102,839 8,544 111,383 Total $ 104,311 $ 8,544 $ 112,855 Number of Securities in a 319 16 335 Unrealized Losses on Securities Less than 12 Months $ 14 $ — $ 14 12 Months or Longer 2,143 402 2,545 Total $ 2,157 $ 402 $ 2,559 Disaggregated Details: Municipal Securities, at Amortized Cost $ 122,450 Municipal Securities, at Fair Value 120,293 US Government Agency $ 3,114 US Government Agency 2,954 Held-To-Maturity Securities State and Mortgage- Total Government Sponsored Entity 5,831 Government Sponsored Entity 5,589 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 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: Municipal Securities, at Amortized Cost $ 163,600 Municipal Securities, at Fair Value 160,470 US Government Agency $ 3,898 US Government Agency 3,687 Government Sponsored Entity 7,866 Government Sponsored Entity 7,466
Debt Securities, Trading, and Equity Securities, FV-NI	The following table is the schedule of Equity Securities at December 31, 2023 and 2022. Equity Securities December 31, 2023 2022 Equity Securities, at Fair Value $ 1,925 $ 2,174
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, 2023 and 2022: December 31, 2023 2022 Net Gain on Equity Securities $ 9,005 $ 427 Less: Net Gain recognized during the reporting period on equity securities sold during the period 9,254 — Unrealized Net (Loss) Gain recognized during the reporting period on equity securities still held at the reporting date $ (249) $ 427
Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank	Schedule of Federal Reserve Bank and Federal Home Loan Bank Stock (at cost) December 31, 2023 2022 Federal Reserve Bank Stock $ 1,197 $ 1,180 Federal Home Loan Bank Stock 3,852 4,884 Total Federal Reserve Bank and Federal Home Loan Bank Stock $ 5,049 $ 6,064

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2023
Receivables [Abstract]
Past Due Financing Receivables	The following table presents loan balances outstanding as of December 31, 2023 and December 31, 2022 and an analysis of the recorded investment in loans that are past due at these dates. Loans held-for-sale of $165 and $656 as of December 31, 2023, and December 31, 2022, 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, 2023 Loans Past Due 30-59 Days $ 298 $ — $ 13,511 $ 3,715 $ 17,524 Loans Past Due 60-89 Days 21 636 5,579 861 7,097 Loans Past Due 90 or More Days 30 15,308 1,801 3,140 20,279 Total Loans Past Due 349 15,944 20,891 7,716 44,900 Current Loans 155,875 729,543 1,090,776 1,191,814 3,168,008 Total Loans $ 156,224 $ 745,487 $ 1,111,667 $ 1,199,530 $ 3,212,908 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 Schedule of Non Accrual Loans by Category Commercial December 31, 2023 Commercial Real Estate Consumer Residential Total Loans 90 or More Days Past Due $ — $ — $ 6 $ 446 $ 452 Nonaccrual Loans 30 15,308 1,877 3,430 20,645 Nonaccrual With No Allowance for Credit Loss 30 15,308 1,877 3,430 20,645 Interest Income on Nonaccrual Loans — — — — — December 31, 2022 Loans 90 or More Days Past Due $ 44 $ — $ — $ 1,113 $ 1,157 Nonaccrual Loans 8 3,110 3,503 4,136 10,757
Financing Receivable Supplemental Information	Schedule of Supplemental Loan Information 2023 2022 Supplemental Information : Unamortized deferred loan origination costs, net of deferred loan $ 6,240 $ 6,774 Overdrawn deposit accounts, included in the above balances 180 298 Pledged loans under a blanket collateral agreement to secure borrowings from the Federal Home Loan Bank of New York 576,602 663,259 Residential real estate loans serviced for Freddie Mac, not included 178,284 195,133
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, 2023 and December 31, 2022 Allowance for Credit Losses Commercial Commercial Real Estate Consumer Residential Total Rollforward of the Allowance for Credit Losses for the Year Ended: December 31, 2022 $ 1,961 $ 15,213 $ 2,585 $ 10,193 $ 29,952 Charge-offs — — (5,123) (54) (5,177) Recoveries — — 3,109 — 3,109 Provision (3) 308 1,995 1,081 3,381 December 31, 2023 $ 1,958 $ 15,521 $ 2,566 $ 11,220 $ 31,265 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 The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2023 and December 31, 2022: December 31, 2023 Collateral Type -Residential Real Estate Collateral Type - Commercial Real Estate Total Loans Commercial $ — $ — $ — Commercial Real Estate — 15,308 15,308 Consumer — — — Residential 1,446 — 1,446 Total $ 1,446 $ 15,308 $ 16,754 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 Allowance for Credit Losses - Collectively and Individually Evaluated Commercial Commercial Real Estate Consumer Residential Total December 31, 2023 Ending Loan Balance - Collectively Evaluated $ 156,224 $ 730,179 $ 1,111,667 $ 1,198,084 $ 3,196,154 Allowance for Credit Losses - Loans Collectively Evaluated 1,958 15,521 2,566 11,220 31,265 Ending Loan Balance - Individually Evaluated — 15,308 — 1,446 16,754 Allowance for Credit Losses - Loans 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 — — — — —
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, 2023 and December 31, 2022: Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total December 31, 2023 2023 2022 2021 2020 2019 Prior Commercial: Risk rating Satisfactory $ 54,584 $ 34,047 $ 23,470 $ 9,655 $ 4,107 $ 13,360 $ 8,586 $ — $ 147,809 Special mention — — — 117 — — — — 117 Substandard — — — — — 3,199 5,099 — 8,298 Doubtful — — — — — — — — — Total Commercial Loans $ 54,584 $ 34,047 $ 23,470 $ 9,772 $ 4,107 $ 16,559 $ 13,685 $ — $ 156,224 Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — Commercial Real Estate: Risk rating Satisfactory $ 81,582 $ 151,818 $ 105,365 $ 120,845 $ 41,406 $ 174,516 $ 1,667 $ — $ 677,199 Special mention — 10,439 — — — 4,084 — — 14,523 Substandard 150 9,169 1,670 2,533 791 38,955 497 — 53,765 Doubtful — — — — — — — — — Total Commercial Real Estate Loans $ 81,732 $ 171,426 $ 107,035 $ 123,378 $ 42,197 $ 217,555 $ 2,164 $ — $ 745,487 Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — Consumer: Risk rating Performing $ 405,099 $ 355,217 $ 195,799 $ 93,708 $ 44,206 $ 15,252 $ — $ — $ 1,109,281 Nonperforming 208 783 551 210 81 85 468 — 2,386 Total Consumer Loans $ 405,307 $ 356,000 $ 196,350 $ 93,918 $ 44,287 $ 15,337 $ 468 $ — $ 1,111,667 Current-period gross charge-offs $ 366 $ 1,368 $ 2,122 $ 604 $ 397 $ 266 $ 5,123 Residential: Risk rating Performing $ 161,878 $ 231,365 $ 192,588 $ 116,451 $ 73,875 $ 296,935 $ 122,573 $ — $ 1,195,665 Nonperforming — — 444 666 127 2,268 360 — 3,865 Total Residential Loans $ 161,878 $ 231,365 $ 193,032 $ 117,117 $ 74,002 $ 299,203 $ 122,933 $ — $ 1,199,530 Current-period gross charge-offs $ — $ — $ — $ 21 $ — $ 33 $ 54 Total Loans $ 703,501 $ 792,838 $ 519,887 $ 344,185 $ 164,593 $ 548,654 $ 139,250 $ — $ 3,212,908 Total gross charge-offs $ 366 $ 1,368 $ 2,122 $ 625 $ 397 $ 299 $ 5,177 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

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
Property, Plant and Equipment	A summary of premises and equipment at December 31, 2023 and 2022 is presented below: 2023 2022 Land and Bank Premises $ 60,123 $ 41,295 Equipment, Furniture and Fixtures 37,948 35,107 Construction in Progress 1,099 15,855 Leasehold Improvements 5,127 5,083 Total Cost 104,297 97,340 Accumulated Depreciation and Amortization (49,115) (45,486) Net Owned Premises and Equipment 55,182 51,854 Leased Assets (see Note 18) 4,460 4,637 Net Premises and Equipment $ 59,642 $ 56,491

Other Intangible Assets (Tables

Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023, 2022 and 2021: Depositor Mortgage Servicing Rights 1 Customer Intangibles 2 Total Gross Carrying Amount, December 31, 2023 $ 2,247 $ 3,296 $ 4,382 $ 9,925 Accumulated Amortization (2,247) (2,725) (3,843) (8,815) Net Carrying Amount, December 31, 2023 $ — $ 571 $ 539 $ 1,110 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 Rollforward of Intangible Assets: 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 Intangible Assets Acquired — — — — Intangible Assets Disposed — — — — Amortization of Intangible Assets — (214) (176) (390) Balance, December 31, 2023 $ — $ 571 $ 539 $ 1,110 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, 2023: Mortgage Customer Intangibles Total Estimated Annual Amortization Expense: 2024 $ 206 $ 155 $ 361 2025 195 107 302 2026 144 89 233 2027 25 72 97 2028 1 55 56 2029 and beyond — 61 61 Total $ 571 $ 539 $ 1,110

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023 and 2022: Balance at December 31, 2023 2022 Notional Amount: Commitments to Extend Credit $ 444,256 $ 424,197 Standby Letters of Credit 3,824 3,627 Fair Value: Commitments to Extend Credit $ — $ — Standby Letters of Credit — 2

Time Deposits (Tables)

Time Deposits (Tables)	12 Months Ended
	Dec. 31, 2023
Maturities of Time Deposits [Abstract]
Maturities of Time Deposits	The following summarizes the contractual maturities of time deposits during years subsequent to December 31, 2023: Year of Maturity Total Time 2024 $ 626,010 2025 25,250 2026 5,535 2027 4,098 2028 2,183 2029 and beyond — Total $ 663,076

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2023
Debt Disclosure [Abstract]
Schedule of Short-term Debt	Schedule of Borrowings: 2023 2022 Balances at December 31: FHLBNY Overnight Advances 20,000 27,000 FHLBNY Term Advances 6,500 27,800 Total Borrowings $ 26,500 $ 54,800 Maximum Borrowing Capacity at December 31: Federal Funds Purchased $ 28,000 $ 52,000 Federal Home Loan Bank of New York 576,602 663,259 Federal Reserve Bank of New York 738,511 649,112 Available Borrowing Capacity at December 31: Federal Funds Purchased $ 28,000 $ 52,000 Federal Home Loan Bank of New York 550,102 608,458 Federal Reserve Bank of New York 738,511 649,112
Schedule of Maturities of Long-term Debt	Maturity Schedule of FHLBNY Term Advances : Balances Weighted Average Rate Final Maturity 2023 2022 2023 2022 First Year $ 4,250 $ 27,800 5.80 % 2.70 % Second Year 2,250 — 5.38 % — % Total $ 6,500 $ 27,800 5.66 % 2.70 %
Schedule of Long-term Debt Instruments	Schedule of Guaranteed Preferred Beneficial Interests in Corporation's Junior Subordinated Debentures 2023 2022 ACST II Balance at December 31, $ 10,000 $ 10,000 Period End: Variable Interest Rate 8.74 % 6.82 % 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 7.59 % 5.67 % 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, 2023
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of Comprehensive Income (Loss)	The following table presents the components of other comprehensive income (loss) for the years ended December 31, 2023, 2022 and 2021: Schedule of Comprehensive Income (Loss) Before-Tax Tax Net-of-Tax 2023 Net Unrealized Securities Holding Gains Arising During the Period $ 14,070 (3,629) 10,441 Reclassification Adjustment for Securities Losses Included in Net Income 9,097 (2,345) 6,752 Net Unrealized Gains on Cash Flow Swap (3,908) 1,008 (2,900) Reclassification of Net Unrealized Loss on Cash Flow Hedge Agreements 750 (193) 557 Net Retirement Plan Loss 2,354 (607) 1,747 Prior Service Cost (526) 135 (391) Amortization of Net Retirement Plan Actuarial Loss (162) 43 (119) Amortization of Net Retirement Plan Prior Service Cost 205 (53) 152 Other Comprehensive Income $ 21,880 (5,641) 16,239 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 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 on Cash Flow Hedge Agreements (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
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, 2022 $ (48,841) 4,054 (4,467) (401) (49,655) Other comprehensive income (loss) before reclassifications 10,441 (2,900) 1,747 (391) 8,897 Amounts reclassified from accumulated other comprehensive income (loss) 6,752 557 (119) 152 7,342 Net current-period other comprehensive income (loss) 17,193 (2,343) 1,628 (239) 16,239 December 31, 2023 $ (31,648) 1,711 (2,839) (640) (33,416) December 31, 2021 $ (614) 1,320 639 (998) 347 Other comprehensive (loss) income before reclassifications (48,227) 2,582 (5,147) 428 (50,364) Amounts reclassified from accumulated other comprehensive 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 (loss) income — (94) 68 173 147 Net current-period other comprehensive (loss) income (6,413) 835 6,568 173 1,163 December 31, 2021 $ (614) 1,320 639 (998) 347 (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, 2023 Reclassification of unrealized gains and losses on available-for-sale securities $ (9,097) Net (Loss) Gain on Securities Reclassification of net unrealized gain on cash flow hedge agreements (750) Interest Expense Amortization of defined benefit pension items Prior-service credit (205) (2) Salaries and Employee Benefits Actuarial Loss 162 (2) Salaries and Employee Benefits (9,890) Total before tax 2,548 Provision for Income Taxes Total reclassifications for the period $ (7,342) Net of tax December 31, 2022 Reclassification of net unrealized gain on cash flow hedge agreements (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 126 Interest Expense Amortization of defined benefit pension items Prior-service credit $ (232) (2) Salaries and Employee Benefits Actuarial Loss (91) (2) Salaries and Employee Benefits (197) Total before tax 50 Provision for Income Taxes Total reclassifications for the period $ (147) 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, 2023
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, 2023 414,561 The following table summarizes information about stock option activity for the year ended December 31, 2023. Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Aggregate Intrinsic Value Outstanding at January 1, 2023 287,444 $ 28.56 Granted 57,680 $ 31.47 Exercised (4,677) $ 20.62 Forfeited (35,139) $ 30.91 Outstanding at December 31, 2023 305,308 $ 28.96 5.35 $ — Vested at Period-End 206,850 $ 27.84 4.00 $ 21 Expected to Vest 98,458 $ 31.32 8.19 $ — The following table summarizes information about restricted stock unit activity for the year ended December 31, 2023. Restricted Stock Units Weighted Average Grant Date Fair Value Non-vested at January 1, 2023 13,925 $ 30.47 Granted 5164 31.47 Vested (19,089) 30.74 Non-vested at December 31, 2023 — — Non-vested at January 1, 2022 14,007 $ 28.42 Granted 4,441 33.78 Vested (4,523) 27.35 Non-vested at December 31, 2022 13,925 30.47 Non-vested at January 1, 2021 12,744 $ 28.94 Granted 5,177 26.90 Vested (3,914) 28.11 Non-vested at December 31, 2021 14,007 28.42 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, 2023, 2022 and 2021. 2023 2022 2021 Amount Expensed During the Year $ 321 $ 141 $ 132 Compensation Costs for Non-vested Awards Not Yet Recognized — 158 149
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 $18.97 $19.99 to $20.41 $27.04 to $27.47 $30.26 $31.34 to $33.78 Total Outstanding at December 31, 2023 Number of Stock Options Outstanding 8,757 20,466 115,903 28,917 131,265 305,308 Weighted-Average Remaining Contractual Life (in years) 0.09 1.61 4.81 3.08 7.27 5.35 Weighted-Average Exercise Price $ 18.97 $ 20.21 $ 27.26 $ 30.26 $ 32.20 $ 28.96 Vested at December 31, 2023 Number of Stock Options Outstanding 8,757 20,466 97,864 28,917 50,846 206,850 Weighted-Average Remaining Contractual Life (in years) 0.09 1.61 4.39 3.08 5.43 4.00 Weighted-Average Exercise Price $ 18.97 $ 20.21 $ 27.30 $ 30.26 $ 32.08 $ 27.84
Other Stock Based Compensation Disclosure Table	The following is the Schedule of Other Information on Stock Options Granted. 2023 2022 2021 Stock Options Granted 57,680 60,471 60,646 Weighted Average Grant Date Information: Fair Value of Options Granted $ 7.78 $ 7.21 $ 4.44 Fair Value Assumptions: Dividend Yield 3.30 % 2.90 % 3.41 % Expected Volatility 28.38 % 27.15 % 26.53 % Risk Free Interest Rate 3.57 % 1.69 % 0.49 % Expected Lives (in years) 8.34 8.56 8.75 Amount Expensed During the Year $ 284 $ 312 $ 282 Compensation Costs for Non-vested Awards Not Yet Recognized 536 542 427 Weighted Average Expected Vesting Period, In Years 2.29 2.22 2.16 Proceeds From Stock Options Exercised $ 96 $ 631 $ 1,505 Tax Benefits Related to Stock Options Exercised 11 34 69 Intrinsic Value of Stock Options Exercised 34 338 439
Schedule of Employee Stock Ownership Plan (ESOP) Disclosures	Schedule of ESOP Compensation Expense 2023 2022 2021 ESOP Compensation Expense $ 1,540 $ 1,457 $ 1,487

Retirement Benefit Plans (Table

Retirement Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023 Fair Value of Plan Assets $ 59,199 $ — $ — Benefit Obligation 42,914 6,904 6,221 Funded Status of Plan $ 16,285 $ (6,904) $ (6,221) 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) Change in Benefit Obligation Benefit Obligation, at January 1, 2023 $ 39,528 $ 6,070 $ 6,482 Service Cost 1 1,593 570 56 Interest Cost 2 2,099 336 332 Plan Participants' Contributions — — 459 Amendments / Curtailments / Special Termination 526 — — Actuarial Gain (Loss) 2,125 357 (397) Benefits Paid (2,957) (429) (711) Benefit Obligation, at December 31, 2023 $ 42,914 $ 6,904 $ 6,221 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 Loss (4,555) (983) (1,571) Benefits Paid (4,892) (462) (706) Benefit Obligation, at December 31, 2022 $ 39,528 $ 6,070 $ 6,482 Change in Fair Value of Plan Assets Fair Value of Plan Assets, at January 1, 2023 $ 54,300 $ — $ — Actual Return on Plan Assets 7,856 — — Employer Contributions — 429 252 Plan Participants' Contributions — — 459 Benefits Paid (2,957) (429) (711) Fair Value of Plan Assets, at December 31, 2023 $ 59,199 $ — $ — Fair Value of Plan Assets, at January 1, 2022 $ 68,925 $ — $ — Actual Return on Plan Assets (9,733) — — Employees' Select Postretirement 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 $ — $ — Accumulated Benefit Obligation at December 31, 2023 $ 42,900 $ 6,904 $ 6,221 Amounts Recognized in the Consolidated Balance Sheets December 31, 2023 Prepaid Pension Asset $ 16,285 $ — $ — Accrued Benefit Liability — (6,904) (6,221) Net Benefit (Expense) Recognized $ 16,285 $ (6,904) $ (6,221) 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) Amounts Recognized in Other Comprehensive Income (Loss) For the Year Ended December 31, 2023 Net Unamortized (Gain) Loss Arising During the Period $ (2,315) $ 358 $ (397) Prior Service Cost 526 — — Amortization of Net (Loss) Gain (118) (73) 353 Amortization of Prior Service Cost (62) (39) (104) Total Other Comprehensive (Loss) Income for Pension and $ (1,969) $ 246 $ (148) 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) Accumulated Other Comprehensive Income December 31, 2023 Net Actuarial Loss (Gain) $ 4,141 $ 1,739 $ (2,641) Prior Service Cost 840 330 262 Total Accumulated Other Comprehensive Income (Loss), Before Tax $ 4,981 $ 2,069 $ (2,379) 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) Employees' Select Postretirement Net Periodic Benefit Cost For the Year Ended December 31, 2023 Service Cost 1 $ 1,593 $ 570 $ 56 Interest Cost 2 2,099 336 332 Expected Return on Plan Assets 2 (3,416) — — Amortization of Prior Service Cost 2 62 39 104 Amortization of Net Loss (Gain) 2 118 73 (353) Net Periodic Benefit Cost $ 456 $ 1,018 $ 139 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 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 (Gain) 2 — 178 (87) Net Periodic Benefit (Income) Cost $ (403) $ 999 $ 377 Weighted-Average Assumptions Used in December 31, 2023 Discount Rate 5.52 % 5.53 % 5.51 % Rate of Compensation Increase 4.00 % 4.00 % 4.00 % Interest Rate Credit for Determining 4.66 % 4.66 % Interest Rates segments to Annuitize Cash 5.50%, 5.76% and 5.83% 5.50%, 5.76% and 5.83% Interest Rates to Convert Annuities to Actuarially 5.50%,5.76% and 5.83% 5.50%, 5.76% and 5.83% 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 % Employees' Select Postretirement Weighted-Average Assumptions Used in December 31, 2023 Discount Rate 5.59 % 5.61 % 5.62 % Expected Long-Term Return on Plan Assets 6.50 % Rate of Compensation Increase 3.50 % 3.50 % 3.50 % Interest Rate Credit for Determining 3.99 % 3.99 % Interest Rates to Annuitize Cash 5.50%, 5.76% and 5.83% 5.50%, 5.76% and 5.83% Interest Rates to Convert Annuities to Actuarially 5.50%, 5.76% and 5.83% 5.50%, 5.76% and 5.83% 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% 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, 2023 Cash $ — $ — $ — $ — — % — % 15.0 % Interest-Bearing Money Market Fund 1,257 — — 1,257 2.1 % — % 15.0 % Arrow Common Stock 5,443 — — 5,443 9.2 % — % 10.0 % North Country Funds - Equity 2 20,012 — — 20,012 33.8 % Other Mutual Funds - Equity 19,883 — — 19,883 33.6 % Total Equity Funds 39,895 — — 39,895 67.4 % 55.0 % 85.0 % Other Mutual Funds - Fixed Income 12,012 — — 12,012 20.3 % Total Fixed Income Funds 12,012 — — 12,012 20.3 % 10.0 % 30.0 % Alternative ETF 592 — — 592 1.0 % — % 20.0 % Total $ 59,199 $ — $ — $ 59,199 100.0 % 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 % North Country Funds - Fixed income 2 — — — — — % 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 % 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 2024 $ 3,739 $ 701 $ 613 2025 3,468 682 622 2026 3,262 653 643 2027 3,330 654 664 2028 3,336 623 636 2029 - 2033 16,545 2,713 2,727 Estimated Contributions During 2024 $ — $ 701 $ 613 Assumed Health Care Cost Trend Rates December 31, 2023 Health Care Cost Trend 7.75 % Rate to which the Cost Trend 4.04 % Year that the Rate Reaches 2075 December 31, 2022 Health Care Cost Trend 7.75 % Rate to which the Cost Trend 4.04 % Year that the Rate Reaches 2075

Other Expenses (Tables)

Other Expenses (Tables)	12 Months Ended
	Dec. 31, 2023
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: 2023 2022 2021 Legal and Other Professional Fees 8,989 3,076 2,706 Postage and Courier 1,367 1,277 1,044 Advertising and Promotion 1,173 1,190 1,083 Stationery and Printing 832 805 721 Intangible Asset Amortization 176 193 210 Litigation Reserve Expense — — 1,475 All Other 6,630 4,490 4,285 Total Other Operating Expense $ 19,169 $ 11,031 $ 11,524

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2023
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense (Benefit)	The provision for income taxes is summarized below: Current Tax Expense: 2023 2022 2021 Federal $ 4,611 $ 12,263 $ 10,957 State 1,035 3,103 2,645 Total Current Tax Expense 5,646 15,366 13,602 Deferred Tax Expense (Benefit): Federal 1,825 (798) 712 State (26) (454) 233 Total Deferred Tax Expense (Benefit) 1,799 (1,252) 945 Total Provision for Income Taxes $ 7,445 $ 14,114 $ 14,547
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: 2023 2022 2021 Statutory Federal Tax Rate 21.0 % 21.0 % 21.0 % (Decrease) Increase Resulting From: Tax-Exempt Income (2.3) (1.4) (1.5) State Taxes, Net of Federal Income Tax Benefit 2.3 3.4 3.4 Other Items, Net (1.2) (0.6) (0.3) Effective Tax Rate 19.8 % 22.4 % 22.6 %
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, 2023 and 2022 are presented below: 2023 2022 Deferred Tax Assets: Net Unrealized Losses on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income $ 11,003 $ 16,914 Allowance for Credit Losses 8,475 8,199 Lease liabilities 2,635 2,821 Pension and Deferred Compensation Plans 3,708 3,571 Pension Liability Included in Accumulated Other Comprehensive Income 1,210 1,692 Historic Tax Credit 363 749 Other 781 745 Total Gross Deferred Tax Assets 28,175 34,691 Valuation Allowance for Deferred Tax Assets — — Total Gross Deferred Tax Assets, Net of Valuation Allowance $ 28,175 $ 34,691 Deferred Tax Liabilities: Pension Plans $ 5,489 $ 5,606 Depreciation 5,094 3,165 ROU assets 2,426 2,646 Deferred Income 3,905 3,266 Net Unrealized Gains on Equity Securities 207 272 Goodwill 3,379 3,416 Gain on Cash Flow Hedge Agreements Included in Accumulated Other Comprehensive Income 590 1,404 Total Gross Deferred Tax Liabilities $ 21,090 $ 19,775 Deferred Tax Asset, Net $ 7,085 $ 14,916

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2023
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Basic and Diluted	The followin g 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, 2023. All share and per share amounts have been adjusted for the September 26, 2023 3% stock dividend. Earnings Per Share Year-to-Date Period Ended: 12/31/2023 12/31/2022 12/31/2021 Earnings Per Share - Basic: Net Income $ 30,075 $ 48,799 $ 49,857 Weighted Average Shares - Basic 17,037 17,008 16,994 Earnings Per Share - Basic $ 1.77 $ 2.86 $ 2.93 Earnings Per Share - Diluted: Net Income $ 30,075 $ 48,799 $ 49,857 Weighted Average Shares - Basic 17,037 17,008 16,994 Dilutive Average Shares Attributable to Stock Options — 51 58 Weighted Average Shares - Diluted 17,037 17,059 17,052 Earnings Per Share - Diluted $ 1.77 $ 2.86 $ 2.92

Fair Values (Tables)

Fair Values (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023 Assets: Securities Available-for Sale: U.S. Treasuries $ 74,004 $ — $ 74,004 $ — U.S. Government & Agency Obligations $ 152,925 $ — $ 152,925 $ — State and Municipal Obligations 280 — 280 — Mortgage-Backed Securities 269,760 — 269,760 — Corporate and Other Debt Securities 800 — 800 — Total Securities Available-for-Sale 497,769 — 497,769 $ — Equity Securities 1,925 — 1,925 — Total Securities Measured on a Recurring Basis 499,694 — 499,694 — Derivative Assets 12,057 — 12,057 — Total Measured on a Recurring Basis $ 511,751 $ — $ 511,751 $ — Liabilities: Derivative Liabilities $ 9,598 $ — $ 9,598 $ — Total Measured on a Recurring Basis $ 9,598 $ — $ 9,598 $ — 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 — Derivative Assets 7,506 — 7,506 — Total Measured on a Recurring Basis $ 583,175 $ — $ 583,175 $ — Liabilities: Derivative Liabilities $ 2,060 $ — $ 2,060 $ — Total Measured on a Recurring Basis $ 2,060 $ — $ 2,060 $ — 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, 2023 Collateral Dependent Impaired Loans $ — $ — $ — $ — $ — Other Real Estate Owned and Repossessed Assets, Net 312 — — 312 — December 31, 2022 Collateral Dependent Impaired Loans $ — $ — $ — $ — $ — Other Real Estate Owned and Repossessed Assets, Net 593 — — 593 —
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, 2023 Cash and Cash Equivalents $ 142,536 $ 142,536 $ 142,536 $ — $ — Securities Available-for-Sale 497,769 497,769 — 497,769 — Securities Held-to-Maturity 131,395 128,837 — 128,837 — Equity Securities 1,925 1,925 1,925 Federal Home Loan Bank and Federal Reserve Bank Stock 5,049 5,049 — 5,049 — Net Loans 3,181,643 2,940,318 — — 2,940,318 Accrued Interest Receivable 11,076 11,076 — 11,076 — Derivative Assets 12,057 12,057 — 12,057 — Deposits 3,687,566 3,683,122 — 3,683,122 — Borrowings 26,500 26,189 — 26,189 — Junior Subordinated Obligations Issued 20,000 20,000 — 20,000 — Accrued Interest Payable 6,289 6,289 — 6,289 — Derivative Liabilities 9,598 9,598 — 9,598 — 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 — Derivative Assets 7,506 7,506 — 7,506 — Deposits 3,498,364 3,492,021 — 3,492,021 — Borrowings 54,800 54,757 — 54,757 — Junior Subordinated Obligations Issued 20,000 20,000 — 20,000 — Accrued Interest Payable 357 357 — 357 — Derivative Liabilities 2,060 2,060 — 2,060 —

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023 and December 31, 2022: Twelve Months Ended Finance Lease Amounts: Classification December 31, 2023 December 31, 2022 Right-of-Use Assets Premises and Equipment, Net $ 4,460 $ 4,637 Lease Liabilities Finance Leases 5,066 5,119 Operating Lease Amounts: Right-of-Use Assets Other Assets $ 4,948 $ 5,627 Lease Liabilities Other Liabilities 5,152 5,822 Other Information: Cash Paid For Amounts Included In The Measurement Of Lease Liabilities: Operating Outgoing Cash Flows From Finance Leases 191 193 Operating Outgoing Cash Flows From Operating Leases 817 1,301 Financing Outgoing Cash Flows From Finance Leases 53 50 Right-of-Use Assets Obtained In Exchange For New Finance Lease Liabilities — — Right-of-Use Assets Obtained In Exchange For New Operating Lease Liabilities 146 — Weighted-average Remaining Lease Term - Finance Leases (Yrs.) 26.28 27.24 Weighted-average Remaining Lease Term - Operating Leases (Yrs.) 11.15 11.14 Weighted-average Discount Rate—Finance Leases 3.75 % 3.75 % Weighted-average Discount Rate—Operating Leases 3.08 % 2.92 % Lease cost information for the Company's leases is as follows: Three Months Ended Twelve Months Ended December 31, 2023 December 31, 2022 December 31, 2023 December 31, 2022 Lease Cost: Finance Lease Cost: Reduction in the Carrying Amount of Right-of-Use Assets $ 44 $ 44 $ 176 $ 177 Interest on Lease Liabilities 48 48 191 193 Operating Lease Cost 195 304 981 1,229 Short-term Lease Cost 15 15 61 47 Variable Lease Cost 52 81 231 334 Total Lease Cost $ 354 $ 492 $ 1,640 $ 1,980
Finance Lease, Liability, Maturity	Future Lease Payments at December 31, 2023 are as follows: Operating Leases Finance Leases Twelve Months Ended: 12/31/2024 $ 731 $ 249 12/31/2025 684 263 12/31/2026 620 268 12/31/2027 569 268 12/31/2028 487 268 Thereafter 3,089 6,996 Total Undiscounted Cash Flows 6,180 8,312 Less: Net Present Value Adjustment 1,028 3,244 Lease Liability $ 5,152 $ 5,066
Lessee, Operating Lease, Liability, Maturity	Future Lease Payments at December 31, 2023 are as follows: Operating Leases Finance Leases Twelve Months Ended: 12/31/2024 $ 731 $ 249 12/31/2025 684 263 12/31/2026 620 268 12/31/2027 569 268 12/31/2028 487 268 Thereafter 3,089 6,996 Total Undiscounted Cash Flows 6,180 8,312 Less: Net Present Value Adjustment 1,028 3,244 Lease Liability $ 5,152 $ 5,066

Derivative Instruments and He_2

Derivative Instruments and Hedging Activities (Tables)	12 Months Ended
	Dec. 31, 2023
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, not designated as hedging instruments, 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, 2023 December 31, 2022 Fair value adjustment included in other assets $ 6,208 $ 7,506 Fair value adjustment included in other liabilities 6,208 7,506 Notional amount 123,197 127,763 The following table depicts the fair value adjustment recorded related to the notional amount of derivatives, designed as hedging instruments, outstanding as well as the notional amount of the interest rate swap agreements: Derivatives Designated as Hedging Instruments - Fair Value Agreements December 31, 2023 December 31, 2022 Fair value adjustment included in other assets $ — $ — Fair value adjustment included in other liabilities 5,678 — Notional amount 300,000 — The following table represents the carrying value of the portfolio layer method hedged assets and the cumulative fair value hedging adjustment included in the carrying value of the hedged asset: Derivatives Designated as Hedging Instruments - Fair Value Swap Agreements December 31, 2023 December 31, 2022 Carrying Value of Portfolio Layer Method Hedged Asset $ 305,849 $ — Cumulative Fair Value Hedging Adjustment 5,849 —
Derivative Instruments, Gain (Loss)	The following table summarizes the effect of the fair value hedging relationship recognized on the consolidated statement of income: Derivatives Designated as Hedging Instruments - Fair Value Agreements Twelve Months Ended Twelve Months Ended December 31, 2023 December 31, 2022 Hedged Asset $ 5,849 $ — Fair value derivative designated as hedging instrument (5,828) — Total gain recognized in the consolidated statements of income with interest and fees on loans 21 —
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, 2023 December 31, 2022 Fair value adjustment included in other liabilities $ 2,710 $ — Amount of loss recognized in AOCI (2,553) — Amount of gain reclassified from AOCI interest expense 157 — 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, 2023 December 31, 2022 Fair value adjustment included in other liabilities $ (4,998) $ (5,446) Amount of (loss) gain recognized in AOCI (1,355) 3,467 Amount of loss reclassified from AOCI interest expense (907) (204)

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2023
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, 2023 and 2022: 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, 2023 Total Capital Arrow $ 447,091 14.7 % $ 319,351 10.5 % $ 304,144 10.0 % Glens Falls National 320,449 14.3 % 235,295 10.5 % 224,090 10.0 % Saratoga National 110,510 13.7 % 84,697 10.5 % 80,664 10.0 % Tier I Capital Arrow 414,221 13.7 % 256,998 8.5 % 241,881 8.0 % Glens Falls National 297,667 13.2 % 191,680 8.5 % 180,404 8.0 % Saratoga National 100,449 12.5 % 68,305 8.5 % 64,287 8.0 % Actual Minimum Amounts For Capital Adequacy Purposes (including "capital conservation buffer") Minimum Amounts To Be Well-Capitalized Amount Ratio Amount Ratio Amount Ratio Tier I Capital Arrow 414,221 9.8 % 169,070 4.0 % 211,337 5.0 % Glens Falls National 297,667 9.2 % 129,420 4.0 % 161,776 5.0 % Saratoga National 100,449 9.6 % 41,854 4.0 % 52,317 5.0 % Common Equity Tier 1 Capital Arrow 394,166 13.0 % 212,243 7.0 % 197,083 6.5 % Glens Falls National 297,612 13.2 % 157,825 7.0 % 146,551 6.5 % Saratoga National 100,449 12.5 % 56,251 7.0 % 52,233 6.5 % 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 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 %

Parent Only Financial Informa_2

Parent Only Financial Information (Tables)	12 Months Ended
	Dec. 31, 2023
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 2023 2022 Interest-Bearing Deposits with Subsidiary Banks $ 1,305 $ 1,532 Equity Securities 1,925 2,174 Investment in Subsidiaries at Equity 381,160 354,664 Other Assets 17,185 16,458 Total Assets $ 401,575 $ 374,828 LIABILITIES Junior Subordinated Obligations Issued to $ 20,000 $ 20,000 Other Liabilities 1,803 1,290 Total Liabilities 21,803 21,290 STOCKHOLDERS’ EQUITY Total Stockholders’ Equity 379,772 353,538 Total Liabilities and Stockholders’ Equity $ 401,575 $ 374,828 STATEMENTS OF INCOME Years Ended December 31, Income: 2023 2022 2021 Dividends from Bank Subsidiaries $ 24,000 $ 19,264 $ 15,994 Interest and Dividends on Investments 47 49 49 Other Income (Including Management Fees) 363 1,095 664 Total Income 24,410 20,408 16,707 Expense: Interest Expense 685 685 686 Other Expense 4,280 1,030 879 Total Expense 4,965 1,715 1,565 Income Before Income Tax Benefit and Equity in Undistributed Net Income of Subsidiaries 19,445 18,693 15,142 Income Tax Benefit 1,242 257 312 Equity in Undistributed Net Income of Subsidiaries 9,388 29,849 34,403 Net Income $ 30,075 $ 48,799 $ 49,857 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, 2023 2022 2021 Cash Flows from Operating Activities: Net Income $ 30,075 $ 48,799 $ 49,857 Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities: Undistributed Net Income of Subsidiaries (9,388) (29,849) (34,403) Shares Issued Under the Directors’ Stock Plan 218 408 376 Changes in Other Assets and Other Liabilities (229) (754) (462) Net Cash Provided by Operating Activities 20,676 18,604 15,368 Cash Flows from Financing Activities: Stock Options Exercised 96 631 1,505 Shares Issued Under the Employee Stock Purchase Plan 120 477 481 Shares Issued for Dividend Reinvestment Plans 472 1,904 1,836 Purchase of Treasury Stock (3,608) (2,872) (2,662) Cash Dividends Paid (17,983) (17,444) (16,296) Net Cash Used in Financing Activities (20,903) (17,304) (15,136) Net (Decrease) Increase in Cash and Cash Equivalents (227) 1,300 232 Cash and Cash Equivalents at Beginning of the Year 1,532 232 — Cash and Cash Equivalents at End of the Year $ 1,305 $ 1,532 $ 232 Supplemental Disclosures to Statements of Interest Paid $ 685 $ 685 $ 686

Risks and Uncertainties - Narra

Risks and Uncertainties - Narrative (Details)	12 Months Ended
	Dec. 31, 2023 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)	1 Months Ended	9 Months Ended	12 Months Ended
	Oct. 31, 2023	Sep. 30, 2023	Dec. 31, 2023 USD ($) plan shares	Dec. 31, 2022 USD ($) shares
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Number of compensation plans | plan			3
Discount from market price			5%
Award vesting period (in years)			4 years
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
Employee Stock
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Discount from market price	10%	5%	5%
Building and Building Improvements | Minimum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life			20 years
Building and Building Improvements | Maximum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life			40 years
Furniture and Fixtures | Minimum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life			7 years
Furniture and Fixtures | Maximum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life			10 years
Computer Equipment | Minimum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life			5 years
Computer Equipment | Maximum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life			7 years

Cash and Cash Equivalents (Deta

Cash and Cash Equivalents (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Cash and Cash Equivalents [Abstract]
Cash and Due From Banks	$ 36,755	$ 31,886
Interest-Bearing Deposits at Banks	105,781	32,774
Total Cash and Cash Equivalents	$ 142,536	$ 64,660	$ 457,696	$ 380,991

Investment Securities - Schedul

Investment Securities - Schedule of Available for Sale Securities (Details)	Dec. 31, 2023 USD ($) security	Dec. 31, 2022 USD ($) security
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	$ 540,202,000	$ 639,095,000
Gross Unrealized Gains	300,000	80,000
Gross Unrealized Losses	(42,733,000)	(65,680,000)
Available-For-Sale Securities, at Fair Value	497,769,000	573,495,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	66,390,000
From 1 - 5 Years	318,081,000
From 5 - 10 Years	155,731,000
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	66,254,000
From 1 - 5 Years	298,726,000
From 5 - 10 Years	132,789,000
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	250,558,000
12 Months or Longer	407,960,000	293,555,000
Total	$ 407,960,000	$ 544,113,000
Number of Securities in a Continuous Loss Position | security	117	174
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 22,066,000
12 Months or Longer	42,733,000	43,614,000
Total	42,733,000	65,680,000
Debt securities, available-for-sale, allowance for credit loss	0
U.S. Treasuries
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	73,761,000
Gross Unrealized Gains	243,000
Gross Unrealized Losses	0
Available-For-Sale Securities, at Fair Value	74,004,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	48,844,000
From 1 - 5 Years	24,917,000
From 5 - 10 Years	0
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	48,915,000
From 1 - 5 Years	25,089,000
From 5 - 10 Years	0
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0
12 Months or Longer	0
Total	$ 0
Number of Securities in a Continuous Loss Position | security	0
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0
12 Months or Longer	0
Total	0
U.S. Government & Agency Obligations
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	160,000,000	190,000,000
Gross Unrealized Gains	51,000	15,000
Gross Unrealized Losses	(7,126,000)	(14,816,000)
Available-For-Sale Securities, at Fair Value	152,925,000	175,199,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	15,000,000
From 1 - 5 Years	145,000,000
From 5 - 10 Years	0
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	14,858,000
From 1 - 5 Years	138,067,000
From 5 - 10 Years	0
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	66,690,000
12 Months or Longer	137,874,000	93,493,000
Total	$ 137,874,000	$ 160,183,000
Number of Securities in a Continuous Loss Position | security	19	23
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 3,310,000
12 Months or Longer	7,126,000	11,506,000
Total	7,126,000	14,816,000
U.S. Government & Agency Obligations | Agency Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	160,000,000	190,000,000
Available-For-Sale Securities, at Fair Value	152,925,000	175,199,000
State and Municipal Obligations
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	280,000	340,000
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Available-For-Sale Securities, at Fair Value	280,000	340,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	0
From 1 - 5 Years	0
From 5 - 10 Years	280,000
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	0
From 1 - 5 Years	0
From 5 - 10 Years	280,000
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	305,161,000	447,755,000
Gross Unrealized Gains	6,000	65,000
Gross Unrealized Losses	(35,407,000)	(50,664,000)
Available-For-Sale Securities, at Fair Value	269,760,000	397,156,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	2,546,000
From 1 - 5 Years	148,164,000
From 5 - 10 Years	154,451,000
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	2,481,000
From 1 - 5 Years	135,570,000
From 5 - 10 Years	131,709,000
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	183,868,000
12 Months or Longer	269,286,000	199,262,000
Total	$ 269,286,000	$ 383,130,000
Number of Securities in a Continuous Loss Position | security	97	150
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 18,756,000
12 Months or Longer	35,407,000	31,908,000
Total	35,407,000	50,664,000
Mortgage- Backed Securities | US Government Agencies Debt Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	7,291,000	7,934,000
Available-For-Sale Securities, at Fair Value	6,864,000	7,433,000
Mortgage- Backed Securities | US Government-sponsored Enterprises Debt Securities
Available-for-Sale Securities
Available-For-Sale Securities, at Amortized Cost	297,870,000	439,821,000
Available-For-Sale Securities, at Fair Value	262,896,000	389,723,000
Corporate and Other 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	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	$ 242,938,000	$ 308,266,000

Investment Securities - Realize

Investment Securities - Realized Losses Recognized In Net Income On Available-For-Sale Securities Sold (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Proceeds Received on Sale of AFS Securities	$ 100,739	$ 0	$ 0
Basis of AFS investments Sold	109,836	0
Net Loss Recognized on Sale of AFS Securities	$ (9,097)	$ 0

Investment Securities - Sched_2

Investment Securities - Schedule of Held to Maturity Securities (Details)	12 Months Ended
	Dec. 31, 2023 USD ($) security	Dec. 31, 2022 USD ($) security
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	$ 131,395,000	$ 175,364,000
Gross Unrealized Gains	0	1,000
Gross Unrealized Losses	(2,558,000)	(3,742,000)
Held-To-Maturity Securities, at Fair Value	128,837,000	171,623,000
Held-To-Maturity Securities, Pledged as Collateral, at Fair Value	112,472,000	142,982,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	47,565,000
From 1 - 5 Years	81,554,000
From 5 - 10 Years	2,247,000
Over 10 Years	29,000
Maturities of Debt Securities, at Fair Value:
Within One Year	47,293,000
From 1 - 5 Years	79,294,000
From 5 - 10 Years	2,220,000
Over 10 Years	29,000
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	1,472,000	148,926,000
12 Months or Longer	111,383,000	0
Total	$ 112,855,000	$ 148,926,000
Number of Securities in a Continuous Loss Position | security	335	413
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 14,000	$ 3,742,000
12 Months or Longer	2,545,000	0
Total	2,559,000	3,742,000
Debt securities, available-for-sale, allowance for credit loss	0
Debt securities, available-for-sale, allowance for credit loss, not to sell before recovery, credit loss, previously recorded, expense (reversal)	0
Debt securities, held-to-maturity, allowance for credit loss	0
State and Municipal Obligations
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	122,450,000	163,600,000
Gross Unrealized Gains	0	1,000
Gross Unrealized Losses	(2,157,000)	(3,131,000)
Held-To-Maturity Securities, at Fair Value	120,293,000	160,470,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	47,565,000
From 1 - 5 Years	72,609,000
From 5 - 10 Years	2,247,000
Over 10 Years	29,000
Maturities of Debt Securities, at Fair Value:
Within One Year	47,293,000
From 1 - 5 Years	70,751,000
From 5 - 10 Years	2,220,000
Over 10 Years	29,000
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	1,472,000	137,773,000
12 Months or Longer	102,839,000	0
Total	$ 104,311,000	$ 137,773,000
Number of Securities in a Continuous Loss Position | security	319	397
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 14,000	$ 3,131,000
12 Months or Longer	2,143,000	0
Total	2,157,000	3,131,000
State and Municipal Obligations | Fair Value, Measurements, Recurring
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Fair Value	120,293,000	160,470,000
Mortgage- Backed Securities
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	8,945,000	11,764,000
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(401,000)	(611,000)
Held-To-Maturity Securities, at Fair Value	8,544,000	11,153,000
Maturities of Debt Securities, at Amortized Cost:
Within One Year	0
From 1 - 5 Years	8,945,000
From 5 - 10 Years	0
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	0
From 1 - 5 Years	8,543,000
From 5 - 10 Years	0
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	11,153,000
12 Months or Longer	8,544,000	0
Total	$ 8,544,000	$ 11,153,000
Number of Securities in a Continuous Loss Position | security	16	16
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 611,000
12 Months or Longer	402,000	0
Total	402,000	611,000
Agency Securities | Mortgage- Backed Securities
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	3,114,000	3,898,000
Agency Securities | Mortgage- Backed Securities | Fair Value, Measurements, Recurring
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Fair Value	2,954,000	3,687,000
US Government-sponsored Enterprises Debt Securities | Mortgage- Backed Securities
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	5,831,000	7,866,000
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	$ 5,589,000	$ 7,466,000

Investment Securities - Equity

Investment Securities - Equity Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Equity Securities, at Fair Value	$ 1,925	$ 2,174
Net Gain on Equity Securities	9,005	427	$ 111
Less: Net Gain recognized during the reporting period on equity securities sold during the period	9,254	0
Unrealized Net (Loss) Gain recognized during the reporting period on equity securities still held at the reporting date	$ (249)	$ 427

Investment Securities - Sched_3

Investment Securities - Schedule of Federal Reserve Bank and Federal Home Loan Bank Stock (at cost) (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Federal Reserve Bank Stock	$ 1,197	$ 1,180
Federal Home Loan Bank Stock	3,852	4,884
Total Federal Reserve Bank and Federal Home Loan Bank Stock	$ 5,049	$ 6,064

Loans - Categories and Past Due

Loans - Categories and Past Due Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Past Due [Line Items]
Loans receivable, held-for-sale	$ 165	$ 656
Loans	3,212,908	2,983,207
Loans 90 or More Days Past Due and Still Accruing Interest	452	1,157
Nonaccrual Loans	20,645	10,757
Nonaccrual With No Allowance for Credit Loss	20,645
Interest Income on Nonaccrual Loans	0
Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	44,900	28,907
Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Loans	17,524	15,908
Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Loans	7,097	4,662
Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Loans	20,279	8,337
Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Loans	3,168,008	2,954,300
Commercial
Financing Receivable, Past Due [Line Items]
Loans	156,224	140,293
Loans 90 or More Days Past Due and Still Accruing Interest	0	44
Nonaccrual Loans	30	8
Nonaccrual With No Allowance for Credit Loss	30
Interest Income on Nonaccrual Loans	0
Commercial | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	349	125
Commercial | Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Loans	298	48
Commercial | Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Loans	21	33
Commercial | Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Loans	30	44
Commercial | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Loans	155,875	140,168
Commercial Real Estate
Financing Receivable, Past Due [Line Items]
Loans	745,487	707,022
Loans 90 or More Days Past Due and Still Accruing Interest	0	0
Nonaccrual Loans	15,308	3,110
Nonaccrual With No Allowance for Credit Loss	15,308
Interest Income on Nonaccrual Loans	0
Commercial Real Estate | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	15,944	370
Commercial Real Estate | Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Loans	0	370
Commercial Real Estate | Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Loans	636	0
Commercial Real Estate | Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Loans	15,308	0
Commercial Real Estate | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Loans	729,543	706,652
Consumer
Financing Receivable, Past Due [Line Items]
Loans	1,111,667	1,065,135
Loans 90 or More Days Past Due and Still Accruing Interest	6	0
Nonaccrual Loans	1,877	3,503
Nonaccrual With No Allowance for Credit Loss	1,877
Interest Income on Nonaccrual Loans	0
Consumer | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	20,891	21,677
Consumer | Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Loans	13,511	13,657
Consumer | Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Loans	5,579	4,517
Consumer | Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Loans	1,801	3,503
Consumer | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,090,776	1,043,458
Residential
Financing Receivable, Past Due [Line Items]
Loans	1,199,530	1,070,757
Loans 90 or More Days Past Due and Still Accruing Interest	446	1,113
Nonaccrual Loans	3,430	4,136
Nonaccrual With No Allowance for Credit Loss	3,430
Interest Income on Nonaccrual Loans	0
Residential | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	7,716	6,735
Residential | Loans Past Due 30-59 Days
Financing Receivable, Past Due [Line Items]
Loans	3,715	1,833
Residential | Loans Past Due 60-89 Days
Financing Receivable, Past Due [Line Items]
Loans	861	112
Residential | Loans Past Due 90 or More Days
Financing Receivable, Past Due [Line Items]
Loans	3,140	4,790
Residential | Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Loans	$ 1,191,814	$ 1,064,022

Loans - Narrative (Details)

Loans - Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($) loan_portfolio loan	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, number of loan portfolios | loan_portfolio	4
Provision	$ 3,381	$ 4,798	$ 272
Off-balance sheet, credit loss, liability	$ 1,600
Financing receivable, number of loans individually evaluated for impairment | loan	4
Financing receivable, individually evaluated for impairment	$ 16,754	5,073
Financing receivable, allowance for credit losses, number of loans individually evaluated for impairment | loan	0
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision	$ 1,995	2,289
Financing receivable, individually evaluated for impairment	0	0
Mortgage loans in process of foreclosure, amount	2,600
Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision	1,081	778
Financing receivable, individually evaluated for impairment	$ 1,446	$ 1,963
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, 2023	Dec. 31, 2022
Receivables [Abstract]
Unamortized deferred loan origination costs, net of deferred loan   origination fees, included in the above balances	$ 6,240	$ 6,774
Overdrawn deposit accounts, included in the above balances	180	298
Pledged loans  under a blanket collateral agreement to secure borrowings from the Federal Home Loan Bank of New York	576,602	663,259
Residential real estate loans serviced for Freddie Mac, not included    in the balances above	$ 178,284	$ 195,133

Loans - Allowance for Loan Loss

Loans - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	$ 29,952	$ 27,281
Charge-offs	(5,177)	(4,143)
Recoveries	3,109	2,016
Provision	3,381	4,798	$ 272
Allowance for Loan Losses, Ending balance	31,265	29,952	27,281
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Ending Loan Balance - Collectively Evaluated	3,196,154	2,978,134
Allowance for Credit Losses - Loans Collectively Evaluated	31,265	29,952
Ending Loan Balance - Individually Evaluated	16,754	5,073
Allowance for Credit Losses - Loans Individually Evaluated	0	0
Commercial
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	1,961	2,298
Charge-offs	0	(34)
Recoveries	0	43
Provision	(3)	(346)
Allowance for Loan Losses, Ending balance	1,958	1,961	2,298
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Ending Loan Balance - Collectively Evaluated	156,224	140,293
Allowance for Credit Losses - Loans Collectively Evaluated	1,958	1,961
Ending Loan Balance - Individually Evaluated	0	0
Allowance for Credit Losses - Loans Individually Evaluated	0	0
Commercial Real Estate
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	15,213	13,136
Charge-offs	0	0
Recoveries	0	0
Provision	308	2,077
Allowance for Loan Losses, Ending balance	15,521	15,213	13,136
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Ending Loan Balance - Collectively Evaluated	730,179	703,912
Allowance for Credit Losses - Loans Collectively Evaluated	15,521	15,213
Ending Loan Balance - Individually Evaluated	15,308	3,110
Allowance for Credit Losses - Loans Individually Evaluated	0	0
Consumer
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	2,585	2,402
Charge-offs	(5,123)	(4,079)
Recoveries	3,109	1,973
Provision	1,995	2,289
Allowance for Loan Losses, Ending balance	2,566	2,585	2,402
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Ending Loan Balance - Collectively Evaluated	1,111,667	1,065,135
Allowance for Credit Losses - Loans Collectively Evaluated	2,566	2,585
Ending Loan Balance - Individually Evaluated	0	0
Allowance for Credit Losses - Loans Individually Evaluated	0	0
Residential
Rollfoward of the Allowance for Loan Losses for the Quarterly Report [Roll Forward]
Allowance for Loan Losses, Beginning balance	10,193	9,445
Charge-offs	(54)	(30)
Recoveries	0	0
Provision	1,081	778
Allowance for Loan Losses, Ending balance	11,220	10,193	$ 9,445
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Ending Loan Balance - Collectively Evaluated	1,198,084	1,068,794
Allowance for Credit Losses - Loans Collectively Evaluated	11,220	10,193
Ending Loan Balance - Individually Evaluated	1,446	1,963
Allowance for Credit Losses - Loans Individually Evaluated	$ 0	$ 0

Loans - Amortized Cost Basis of

Loans - Amortized Cost Basis of Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	$ 3,181,643	$ 2,953,255
Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	16,754	5,073
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	15,308	3,110
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	1,446	1,963
Residential Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	1,446	1,963
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	1,446	1,963
Commercial Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	15,308	3,110
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	15,308	3,110
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	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	$ 703,501	$ 899,034
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	792,838	628,578
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	519,887	429,480
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	344,185	224,846
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	164,593	191,012
Prior	548,654	483,884
Revolving Loans Amortized Cost Basis	139,250	126,373
Revolving Loan Converted to Term	0	0
Total	3,212,908	2,983,207
Current-period gross charge-offs
Financing receivable, excluding accrued interest, year one, originated, current fiscal year, writeoff	366
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year, writeoff	1,368
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year, writeoff	2,122
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year, writeoff	625
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year, writeoff	397
Prior	299
Revolving Loans Amortized Cost Basis
Revolving Loan Converted to Term
Total	5,177	4,143
Commercial
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	54,584	42,038
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	34,047	28,718
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	23,470	17,125
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	9,772	8,335
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	4,107	8,129
Prior	16,559	23,873
Revolving Loans Amortized Cost Basis	13,685	12,075
Revolving Loan Converted to Term	0	0
Total	156,224	140,293
Current-period gross charge-offs
Financing receivable, excluding accrued interest, year one, originated, current fiscal year, writeoff	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year, writeoff	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year, writeoff	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year, writeoff	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year, writeoff	0
Prior	0
Revolving Loans Amortized Cost Basis
Revolving Loan Converted to Term
Total	0
Commercial Real Estate
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	81,732	163,143
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	171,426	115,111
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	107,035	127,618
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	123,378	44,459
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	42,197	69,073
Prior	217,555	185,794
Revolving Loans Amortized Cost Basis	2,164	1,824
Revolving Loan Converted to Term	0	0
Total	745,487	707,022
Current-period gross charge-offs
Financing receivable, excluding accrued interest, year one, originated, current fiscal year, writeoff	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year, writeoff	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year, writeoff	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year, writeoff	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year, writeoff	0
Prior	0
Revolving Loans Amortized Cost Basis
Revolving Loan Converted to Term
Total	0
Consumer
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	405,307	483,288
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	356,000	286,299
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	196,350	155,426
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	93,918	88,490
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	44,287	39,009
Prior	15,337	12,119
Revolving Loans Amortized Cost Basis	468	504
Revolving Loan Converted to Term	0	0
Total	1,111,667	1,065,135
Current-period gross charge-offs
Financing receivable, excluding accrued interest, year one, originated, current fiscal year, writeoff	366
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year, writeoff	1,368
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year, writeoff	2,122
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year, writeoff	604
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year, writeoff	397
Prior	266
Revolving Loans Amortized Cost Basis
Revolving Loan Converted to Term
Total	5,123	4,079
Residential
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	161,878	210,565
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	231,365	198,450
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	193,032	129,311
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	117,117	83,562
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	74,002	74,801
Prior	299,203	262,098
Revolving Loans Amortized Cost Basis	122,933	111,970
Revolving Loan Converted to Term	0	0
Total	1,199,530	1,070,757
Current-period gross charge-offs
Financing receivable, excluding accrued interest, year one, originated, current fiscal year, writeoff	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year, writeoff	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year, writeoff	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year, writeoff	21
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year, writeoff	0
Prior	33
Revolving Loans Amortized Cost Basis
Revolving Loan Converted to Term
Total	54	30
Satisfactory | Commercial
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	54,584	42,038
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	34,047	28,718
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	23,470	16,870
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	9,655	7,857
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	4,107	8,129
Prior	13,360	20,379
Revolving Loans Amortized Cost Basis	8,586	8,909
Revolving Loan Converted to Term	0	0
Total	147,809	132,900
Satisfactory | Commercial Real Estate
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	81,582	152,858
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	151,818	115,111
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	105,365	121,811
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	120,845	43,647
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	41,406	63,913
Prior	174,516	159,876
Revolving Loans Amortized Cost Basis	1,667	1,603
Revolving Loan Converted to Term	0	0
Total	677,199	658,819
Special mention | Commercial
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	117	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	0	0
Prior	0	30
Revolving Loans Amortized Cost Basis	0	30
Revolving Loan Converted to Term	0	0
Total	117	60
Special mention | Commercial Real Estate
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	9,678
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	10,439	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	0	789
Prior	4,084	241
Revolving Loans Amortized Cost Basis	0	0
Revolving Loan Converted to Term	0	0
Total	14,523	10,708
Substandard | Commercial
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	0	255
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	0	478
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	0	0
Prior	3,199	3,464
Revolving Loans Amortized Cost Basis	5,099	3,136
Revolving Loan Converted to Term	0	0
Total	8,298	7,333
Substandard | Commercial Real Estate
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	150	607
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	9,169	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	1,670	5,807
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	2,533	812
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	791	4,371
Prior	38,955	25,677
Revolving Loans Amortized Cost Basis	497	221
Revolving Loan Converted to Term	0	0
Total	53,765	37,495
Doubtful | Commercial
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loan Converted to Term	0	0
Total	0	0
Doubtful | Commercial Real Estate
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	0	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loan Converted to Term	0	0
Total	0	0
Performing | Consumer
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	405,099	482,530
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	355,217	284,831
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	195,799	154,819
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	93,708	88,165
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	44,206	38,852
Prior	15,252	12,032
Revolving Loans Amortized Cost Basis	0	504
Revolving Loan Converted to Term	0	0
Total	1,109,281	1,061,733
Performing | Residential
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	161,878	210,565
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	231,365	198,195
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	192,588	128,372
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	116,451	82,965
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	73,875	74,281
Prior	296,935	259,787
Revolving Loans Amortized Cost Basis	122,573	111,563
Revolving Loan Converted to Term	0	0
Total	1,195,665	1,065,728
Nonperforming | Consumer
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	208	758
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	783	1,468
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	551	607
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	210	325
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	81	157
Prior	85	87
Revolving Loans Amortized Cost Basis	468	0
Revolving Loan Converted to Term	0	0
Total	2,386	3,402
Nonperforming | Residential
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	0	255
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	444	939
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	666	597
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	127	520
Prior	2,268	2,311
Revolving Loans Amortized Cost Basis	360	407
Revolving Loan Converted to Term	0	0
Total	$ 3,865	$ 5,029

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Property, Plant and Equipment [Line Items]
Total Cost	$ 104,297	$ 97,340
Accumulated Depreciation and Amortization	(49,115)	(45,486)
Net Owned Premises and Equipment	55,182	51,854
Leased Assets (see Note 18)	4,460	4,637
Net Premises and Equipment	59,642	56,491
Land and Bank Premises
Property, Plant and Equipment [Line Items]
Total Cost	60,123	41,295
Equipment, Furniture and Fixtures
Property, Plant and Equipment [Line Items]
Total Cost	37,948	35,107
Construction in Progress
Property, Plant and Equipment [Line Items]
Total Cost	1,099	15,855
Leasehold Improvements
Property, Plant and Equipment [Line Items]
Total Cost	$ 5,127	$ 5,083

Premises and Equipment - Supple

Premises and Equipment - Supplemental Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Depreciation	$ 3,752	$ 3,330	$ 2,993

Other Intangible Assets - Sched

Other Intangible Assets - Schedule of Finite-Lived Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 9,925	$ 9,925
Accumulated Amortization	(8,815)	(8,425)
Net Carrying Amount	1,110	1,500	$ 1,918
Rollforward of Intangible Assets:
Beginning balance	1,500	1,918	1,950
Intangible Assets Acquired	0	10	436
Intangible Assets Disposed	0	0	0
Amortization of Intangible Assets	(390)	(428)	(468)
Ending balance	1,110	1,500	1,918
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	3,296
Accumulated Amortization	(2,725)	(2,511)
Net Carrying Amount	571	785	1,010
Rollforward of Intangible Assets:
Beginning balance	785	1,010	832
Intangible Assets Acquired	0	10	436
Intangible Assets Disposed	0	0	0
Amortization of Intangible Assets	(214)	(235)	(258)
Ending balance	571	785	1,010
Customer Intangibles
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	4,382	4,382
Accumulated Amortization	(3,843)	(3,667)
Net Carrying Amount	539	715	908
Rollforward of Intangible Assets:
Beginning balance	715	908	1,118
Intangible Assets Acquired	0	0	0
Intangible Assets Disposed	0	0	0
Amortization of Intangible Assets	(176)	(193)	(210)
Ending balance	$ 539	$ 715	$ 908

Other Intangible Assets - Sch_2

Other Intangible Assets - Schedule of Finite-Lived Intangible Assets, Future Amortization Expense (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Finite-Lived Intangible Assets [Line Items]
2024	$ 361
2025	302
2026	233
2027	97
2028	56
2029 and beyond	61
Net Carrying Amount	1,110	$ 1,500	$ 1,918	$ 1,950
Mortgage Servicing Rights
Finite-Lived Intangible Assets [Line Items]
2024	206
2025	195
2026	144
2027	25
2028	1
2029 and beyond	0
Net Carrying Amount	571	785	1,010	832
Customer Intangibles
Finite-Lived Intangible Assets [Line Items]
2024	155
2025	107
2026	89
2027	72
2028	55
2029 and beyond	61
Net Carrying Amount	$ 539	$ 715	$ 908	$ 1,118

Commitments and Contingencies_2

Commitments and Contingencies (Details) $ in Thousands	Jun. 23, 2023 security	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Robert C. Ashe Litigation
Guarantor Obligations [Line Items]
Number of new claims filed | security	2
Commitments to Extend Credit
Guarantor Obligations [Line Items]
Notional Amount		$ 444,256	$ 424,197
Fair Value		0	0
Standby Letters of Credit
Guarantor Obligations [Line Items]
Notional Amount		3,824	3,627
Fair Value		$ 0	$ 2
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, 2023 USD ($)
Maturities of Time Deposits [Abstract]
2024	$ 626,010
2025	25,250
2026	5,535
2027	4,098
2028	2,183
2029 and beyond	0
Total	$ 663,076

Debt - Schedule of Borrowings (

Debt - Schedule of Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Short-term Debt [Line Items]
FHLBNY Overnight Advances	$ 20,000	$ 27,000
FHLBNY Term Advances	6,500	27,800
Total Borrowings	26,500	54,800
Federal Home Loan Bank of New York	576,602	663,259
Federal Funds Purchased
Short-term Debt [Line Items]
Maximum Borrowing Capacity	28,000	52,000
Available Borrowing Capacity	28,000	52,000
Federal Home Loan Bank of New York
Short-term Debt [Line Items]
Available Borrowing Capacity	550,102	608,458
Federal Reserve Bank of New York
Short-term Debt [Line Items]
Maximum Borrowing Capacity	738,511	649,112
Available Borrowing Capacity	$ 738,511	$ 649,112

Debt - Narrative (Details)

Debt - Narrative (Details) $ in Millions	12 Months Ended
	Dec. 31, 2023 USD ($) class subsidiaryBusinessTrust bank	Dec. 31, 2022 USD ($)
Debt Instrument [Line Items]
Number of banks | bank	2
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	$ 1,000	$ 1,000
Federal Home Loan Bank of New York
Debt Instrument [Line Items]
Collateral, at carrying cost	865	$ 703
Interest Rate Swap
Debt Instrument [Line Items]
Amount of hedged item	$ 20
ACST III | London Interbank Offered Rate
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
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

Debt - Maturities of Long Term Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Balances
First Year	$ 4,250	$ 27,800
Second Year	2,250	0
Total	$ 6,500	$ 27,800
Weighted Average Rate
First Year	5.80%	2.70%
Second Year	5.38%	0%
Total	5.66%	2.70%

Debt - Schedule of Long-term De

Debt - Schedule of Long-term Debt instruments (Details) - Junior Subordinated Debt - USD ($)	Dec. 31, 2023	Dec. 31, 2022
ACST II
Debt Instrument [Line Items]
Face amount	$ 10,000,000	$ 10,000,000
Variable Interest Rate	8.74%	6.82%
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	7.59%	5.67%
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, 2023	Dec. 31, 2022	Dec. 31, 2021
Before-Tax Amount
Other comprehensive income (loss)	$ 21,880	$ (67,180)	$ 1,563
Tax (Benefit) Expense
Other comprehensive income (loss)	(5,641)	17,178	(400)
Net-of-Tax Amount
Other comprehensive income (loss) before reclassifications	8,897	(50,364)	1,016
Prior Service Cost	(391)	0	0
Reclassification from AOCI, current period	7,342	362	147
Other Comprehensive Income (Loss)	16,239	(50,002)	1,163
Net Unrealized Securities Holding Gains (Losses) Arising During the Period
Before-Tax Amount
OCI, before reclassifications	14,070	(64,774)	(8,616)
Reclassification from AOCI, current period	9,097
Tax (Benefit) Expense
Other Comprehensive Income (Loss) before Reclassifications, Tax	(3,629)	16,547	2,203
Reclassification from AOCI, current period	(2,345)
Net-of-Tax Amount
Other comprehensive income (loss) before reclassifications	10,441	(48,227)	(6,413)
Reclassification from AOCI, current period	6,752	0	0
Other Comprehensive Income (Loss)	17,193	(48,227)	(6,413)
Net Unrealized Gains (Losses) on Cash Flow Swap
Before-Tax Amount
OCI, before reclassifications	(3,908)	3,467	1,249
Reclassification from AOCI, current period	750	204	(126)
Tax (Benefit) Expense
Other Comprehensive Income (Loss) before Reclassifications, Tax	1,008	(885)	(320)
Reclassification from AOCI, current period	(193)	(52)	32
Net-of-Tax Amount
Other comprehensive income (loss) before reclassifications	(2,900)	2,582	929
Reclassification from AOCI, current period	557	152	(94)
Other Comprehensive Income (Loss)	(2,343)	2,734	835
Net Actuarial Gain (Loss)
Before-Tax Amount
OCI, before reclassifications	2,354	(6,938)	8,733
Prior Service Cost	(526)
Reclassification from AOCI, current period	(162)	56	91
Tax (Benefit) Expense
Other Comprehensive Income (Loss) before Reclassifications, Tax	(607)	1,791	(2,233)
Prior Service Cost	135
Reclassification from AOCI, current period	43	(15)	(23)
Net-of-Tax Amount
Other comprehensive income (loss) before reclassifications	1,747	(5,147)	6,500
Prior Service Cost	(391)
Reclassification from AOCI, current period	(119)	41	68
Other Comprehensive Income (Loss)	1,628	(5,106)	6,568
Settlement Cost
Before-Tax Amount
Reclassification from AOCI, current period		577
Tax (Benefit) Expense
Reclassification from AOCI, current period		(149)
Net-of-Tax Amount
Reclassification from AOCI, current period		428
Amortization of Net Retirement Plan Prior Service Cost
Before-Tax Amount
Reclassification from AOCI, current period	205	228	232
Tax (Benefit) Expense
Reclassification from AOCI, current period	(53)	(59)	(59)
Net-of-Tax Amount
Other comprehensive income (loss) before reclassifications	(391)	428	0
Reclassification from AOCI, current period	152	169	173
Other Comprehensive Income (Loss)	$ (239)	$ 597	$ 173

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, 2023	Dec. 31, 2022	Dec. 31, 2021
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	$ 353,538	$ 371,186	$ 334,392
Other comprehensive income (loss) before reclassifications	8,897	(50,364)	1,016
Amounts reclassified from accumulated other comprehensive income (loss)	7,342	362	147
Other Comprehensive Income (Loss)	16,239	(50,002)	1,163
Ending balance	379,772	353,538	371,186
Accumulated Other Comprehensive Income (Loss)
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(49,655)	347	(816)
Other Comprehensive Income (Loss)	16,239	(50,002)	1,163
Ending balance	(33,416)	(49,655)	347
Unrealized Gains And Losses On Available-for-Sale Securities
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(48,841)	(614)	5,799
Other comprehensive income (loss) before reclassifications	10,441	(48,227)	(6,413)
Amounts reclassified from accumulated other comprehensive income (loss)	6,752	0	0
Other Comprehensive Income (Loss)	17,193	(48,227)	(6,413)
Ending balance	(31,648)	(48,841)	(614)
Unrealized Gain on Cash Flow Swap
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	4,054	1,320	485
Other comprehensive income (loss) before reclassifications	(2,900)	2,582	929
Amounts reclassified from accumulated other comprehensive income (loss)	557	152	(94)
Other Comprehensive Income (Loss)	(2,343)	2,734	835
Ending balance	1,711	4,054	1,320
Net Actuarial Gain (Loss)
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(4,467)	639	(5,929)
Other comprehensive income (loss) before reclassifications	1,747	(5,147)	6,500
Amounts reclassified from accumulated other comprehensive income (loss)	(119)	41	68
Other Comprehensive Income (Loss)	1,628	(5,106)	6,568
Ending balance	(2,839)	(4,467)	639
Amortization of Net Retirement Plan Prior Service Cost
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(401)	(998)	(1,171)
Other comprehensive income (loss) before reclassifications	(391)	428	0
Amounts reclassified from accumulated other comprehensive income (loss)	152	169	173
Other Comprehensive Income (Loss)	(239)	597	173
Ending balance	$ (640)	$ (401)	$ (998)

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, 2023	Dec. 31, 2022	Dec. 31, 2021
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Interest Expense	$ 57,732	$ 11,308	$ 5,195
Salaries and Employee Benefits	47,667	47,003	44,798
Total before tax	37,520	62,913	64,404
Provision for Income Taxes	(7,445)	(14,114)	(14,547)
NET INCOME	30,075	48,799	49,857
Net Unrealized Securities Holding Gains (Losses) Arising During the Period | Reclassification out of Accumulated Other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net (Loss) Gain on Securities	(9,097)
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	(750)	(204)	126
Amortization of Net Retirement Plan Prior Service Cost | Reclassification out of Accumulated Other Comprehensive Income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and Employee Benefits	(205)	(228)	(232)
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	162	(56)	(91)
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	(9,890)	(488)	(197)
Provision for Income Taxes	2,548	126	50
NET INCOME	$ (7,342)	$ (362)	$ (147)

Stock Based Compensation - Narr

Stock Based Compensation - Narrative (Details) - plan	1 Months Ended	9 Months Ended	12 Months Ended
	Oct. 31, 2023	Sep. 30, 2023	Dec. 31, 2023		Sep. 26, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of compensation plans			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%
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	10%	5%	5%
[1]Included in the shares issued for the 3% stock dividend in 2023 were treasury shares of 146,128.

Stock Based Compensation - Roll

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, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-Based Payment Arrangement [Abstract]
Shares Available for Grant at Period-End (in shares)	414,561
Shares
Outstanding, Beginning Balance (in shares)	287,444
Granted (in shares)	57,680	60,471	60,646
Exercised (in shares)	(4,677)
Forfeited (in shares)	(35,139)
Outstanding, Ending Balance (in shares)	305,308	287,444
Exercisable (in shares)	206,850
Vested and Expected to Vest (in shares)	98,458
Weighted Average Exercise Price
Beginning balance (in dollars per share)	$ 28.56
Granted (in dollars per share)	31.47
Exercised (in dollars per share)	20.62
Forfeited (in dollars per share)	30.91
Ending balance (in dollars per share)	28.96	$ 28.56
Exercisable (in dollars per share)	27.84
Vested and Expected to Vest (in dollars per share)	$ 31.32
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Outstanding (in years)	5 years 4 months 6 days
Exercisable (in years)	4 years
Vested and Expected to Vest (in years)	8 years 2 months 8 days
Aggregate Intrinsic Value
Outstanding	$ 0
Exercisable	21
Vested and Expected to Vest	$ 0

Stock Based Compensation - Sche

Stock Based Compensation - Schedule of Share-based Compensation, Shares Authorized under Stock Option Plans, by Exercise Price Range (Details)	12 Months Ended
	Dec. 31, 2023 $ / shares shares
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 28.96
Number of Stock Options Outstanding (in shares) | shares	305,308
Weighted-Average Remaining Contractual Life (in years)	5 years 4 months 6 days
Number of Stock Options Outstanding (in shares) | shares	206,850
Weighted-Average Remaining Contractual Life (in years)	4 years
Weighted-Average Exercise Price (in dollars per share)	$ 27.84
Exercise Price Range 1
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 18.97
Number of Stock Options Outstanding (in shares) | shares	8,757
Weighted-Average Remaining Contractual Life (in years)	1 month 2 days
Number of Stock Options Outstanding (in shares) | shares	8,757
Weighted-Average Remaining Contractual Life (in years)	1 month 2 days
Weighted-Average Exercise Price (in dollars per share)	$ 18.97
Exercise Price Range 2
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 20.21
Number of Stock Options Outstanding (in shares) | shares	20,466
Weighted-Average Remaining Contractual Life (in years)	1 year 7 months 9 days
Number of Stock Options Outstanding (in shares) | shares	20,466
Weighted-Average Remaining Contractual Life (in years)	1 year 7 months 9 days
Weighted-Average Exercise Price (in dollars per share)	$ 20.21
Exercise Price Range 3
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 27.26
Number of Stock Options Outstanding (in shares) | shares	115,903
Weighted-Average Remaining Contractual Life (in years)	4 years 9 months 21 days
Number of Stock Options Outstanding (in shares) | shares	97,864
Weighted-Average Remaining Contractual Life (in years)	4 years 4 months 20 days
Weighted-Average Exercise Price (in dollars per share)	$ 27.30
Exercise Price Range 4
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 30.26
Number of Stock Options Outstanding (in shares) | shares	28,917
Weighted-Average Remaining Contractual Life (in years)	3 years 29 days
Number of Stock Options Outstanding (in shares) | shares	28,917
Weighted-Average Remaining Contractual Life (in years)	3 years 29 days
Weighted-Average Exercise Price (in dollars per share)	$ 30.26
Exercise Price Range 5
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 32.20
Number of Stock Options Outstanding (in shares) | shares	131,265
Weighted-Average Remaining Contractual Life (in years)	7 years 3 months 7 days
Number of Stock Options Outstanding (in shares) | shares	50,846
Weighted-Average Remaining Contractual Life (in years)	5 years 5 months 4 days
Weighted-Average Exercise Price (in dollars per share)	$ 32.08
Minimum | Exercise Price Range 2
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	19.99
Minimum | Exercise Price Range 3
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	27.04
Minimum | Exercise Price Range 5
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	31.34
Maximum | Exercise Price Range 2
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	20.41
Maximum | Exercise Price Range 3
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	27.47
Maximum | Exercise Price Range 5
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Weighted-Average Exercise Price (in dollars per share)	$ 33.78

Stock Based Compensation - Sc_2

Stock Based Compensation - Schedule of Other Stock Option Plan Information (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Additional Disclosures [Abstract]
Stock Options Granted (in shares)	57,680	60,471	60,646
Weighted Average Grant Date Information:
Fair Value of Options Granted, Weighted Average Grant Date (in dollars per share)	$ 7.78	$ 7.21	$ 4.44
Fair Value Assumptions:
Dividend Yield	3.30%	2.90%	3.41%
Expected Volatility	28.38%	27.15%	26.53%
Risk Free Interest Rate	3.57%	1.69%	0.49%
Expected Lives (in years)	8 years 4 months 2 days	8 years 6 months 21 days	8 years 9 months
Amount Expensed During the Year	$ 284	$ 312	$ 282
Compensation Costs for Non-vested Awards Not Yet Recognized	$ 536	$ 542	$ 427
Weighted Average Expected Vesting Period (in years)	2 years 3 months 14 days	2 years 2 months 19 days	2 years 1 month 28 days
Proceeds From Stock Options Exercised	$ 96	$ 631	$ 1,505
Tax Benefit from Exercise of Stock Options	11	34	69
Intrinsic Value of Stock Options Exercised	$ 34	$ 338	$ 439

Stock Based Compensation - Rest

Stock Based Compensation - Restricted Stock Units Information (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Weighted Average Grant Date Fair Value
Amount Expensed During the Year	$ 284	$ 312	$ 282
Restricted Stock Units (RSUs)
Restricted Stock Units
Beginning balance, nonvested (in shares)	13,925	14,007	12,744
Granted (in shares)	5,164	4,441	5,177
Vested (in shares)	(19,089)	(4,523)	(3,914)
Ending balance, nonvested (in shares)	0	13,925	14,007
Weighted Average Grant Date Fair Value
Beginning balance, nonvested (in dollars per share)	$ 30.47	$ 28.42	$ 28.94
Granted (in dollars per share)	31.47	33.78	26.90
Vested (in dollars per share)	30.74	27.35	28.11
Ending balance, nonvested (in dollars per share)	$ 0	$ 30.47	$ 28.42
Amount Expensed During the Year	$ 321	$ 141	$ 132
Compensation Costs for Non-vested Awards Not Yet Recognized	$ 0	$ 158	$ 149

Stock Based Compensation - Sc_3

Stock Based Compensation - Schedule of Employee Stock Ownership Plans (ESOP) Disclosure (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Employee Stock Ownership Plan (ESOP), Shares in ESOP [Abstract]
ESOP Compensation Expense	$ 1,540	$ 1,457	$ 1,487

Retirement Benefit Plans (Detai

Retirement Benefit Plans (Details)	12 Months Ended
	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Dec. 31, 2021 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	$ 59,199,000	54,300,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	54,300,000
Fair Value of Plan Assets, End of Period	$ 59,199,000	54,300,000
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	$ 59,199,000	$ 54,300,000
Percent of Total	100%	100%
Expected Future Benefit Payments
Health Care Cost Trend   Rate Assumed for Next Year	7.75%	7.75%
Rate to which the Cost Trend   Rate is Assumed to Decline   (the Ultimate Trend Rate)	4.04%	4.04%
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	$ 59,199,000	$ 54,300,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	54,300,000
Fair Value of Plan Assets, End of Period	59,199,000	54,300,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	59,199,000	54,300,000
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	1,257,000	1,291,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	1,291,000
Fair Value of Plan Assets, End of Period	1,257,000	1,291,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 1,257,000	$ 1,291,000
Percent of Total	2.10%	2.40%
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	$ 1,257,000	$ 1,291,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	1,291,000
Fair Value of Plan Assets, End of Period	1,257,000	1,291,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	1,257,000	1,291,000
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	5,443,000	6,411,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	6,411,000
Fair Value of Plan Assets, End of Period	5,443,000	6,411,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 5,443,000	$ 6,411,000
Percent of Total	9.20%	11.80%
Common Stock | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 5,443,000	$ 6,411,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	6,411,000
Fair Value of Plan Assets, End of Period	5,443,000	6,411,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	5,443,000	6,411,000
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	20,012,000	20,714,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	20,714,000
Fair Value of Plan Assets, End of Period	20,012,000	20,714,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 20,012,000	$ 20,714,000
Percent of Total	33.80%	38.20%
North Country Funds - Equity | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 20,012,000	$ 20,714,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	20,714,000
Fair Value of Plan Assets, End of Period	20,012,000	20,714,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	20,012,000	20,714,000
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	19,883,000	15,059,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	15,059,000
Fair Value of Plan Assets, End of Period	19,883,000	15,059,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 19,883,000	$ 15,059,000
Percent of Total	33.60%	27.70%
Other Mutual Funds - Equity | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 19,883,000	$ 15,059,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	15,059,000
Fair Value of Plan Assets, End of Period	19,883,000	15,059,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	19,883,000	15,059,000
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	39,895,000	35,773,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	35,773,000
Fair Value of Plan Assets, End of Period	39,895,000	35,773,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 39,895,000	$ 35,773,000
Percent of Total	67.40%	65.90%
Equity Funds | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 39,895,000	$ 35,773,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	35,773,000
Fair Value of Plan Assets, End of Period	39,895,000	35,773,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	39,895,000	35,773,000
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		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
Percent of Total		0%
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		$ 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 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	12,012,000	6,094,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	6,094,000
Fair Value of Plan Assets, End of Period	12,012,000	6,094,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 12,012,000	$ 6,094,000
Percent of Total	20.30%	11.20%
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	$ 12,012,000	$ 6,094,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	6,094,000
Fair Value of Plan Assets, End of Period	12,012,000	6,094,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	12,012,000	6,094,000
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	12,012,000	6,094,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	6,094,000
Fair Value of Plan Assets, End of Period	12,012,000	6,094,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 12,012,000	$ 6,094,000
Percent of Total	20.30%	11.20%
Fixed Income Funds | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 12,012,000	$ 6,094,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	6,094,000
Fair Value of Plan Assets, End of Period	12,012,000	6,094,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	12,012,000	6,094,000
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	592,000	4,731,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	4,731,000
Fair Value of Plan Assets, End of Period	592,000	4,731,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	$ 592,000	$ 4,731,000
Percent of Total	1%	8.70%
Alternative ETF | Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Funded Status
Fair Value of Plan Assets	$ 592,000	$ 4,731,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	4,731,000
Fair Value of Plan Assets, End of Period	592,000	4,731,000
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Fair Value of Plan Assets	592,000	4,731,000
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	5.50%
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	$ 59,199,000	54,300,000	$ 68,925,000
Benefit Obligation	42,914,000	39,528,000	45,659,000
Funded Status of Plan	16,285,000	14,772,000
Change in Benefit Obligation
Benefit Obligation, Beginning of Period	39,528,000	45,659,000
Service Cost	1,593,000	1,877,000	1,934,000
Interest Cost	2,099,000	1,439,000	1,365,000
Plan Participants' Contributions	0	0
Amendments / Curtailments / Special Termination	526,000
Actuarial Gain (Loss)	2,125,000	(4,555,000)
Benefits Paid	(2,957,000)	(4,892,000)
Benefit Obligation, End of Period	42,914,000	39,528,000	45,659,000
Change in Fair Value of Plan Assets
Fair Value of Plan Assets, Beginning of Period	54,300,000	68,925,000
Actual Return on Plan Assets	7,856,000	(9,733,000)
Employer Contributions	0	0
Plan Participants' Contributions	0	0
Benefits Paid	(2,957,000)	(4,892,000)
Fair Value of Plan Assets, End of Period	59,199,000	54,300,000	68,925,000
Accumulated Benefit Obligation at December 31, 2023	42,900,000
Amounts Recognized in the Consolidated Balance Sheets
Prepaid Pension Asset	16,285,000	14,772,000
Accrued Benefit Liability	0	0
Net Benefit (Expense) Recognized	16,285,000	14,772,000
Amounts Recognized in Other Comprehensive Income (Loss)
Net Unamortized (Gain) Loss Arising During the Period	(2,315,000)	9,492,000	(7,826,000)
Prior Service Cost	526,000
Amortization of Net (Loss) Gain	(118,000)	0	0
Amortization of Prior Service Cost	(62,000)	(78,000)	(78,000)
Settlement Cost		(577,000)
Total Other Comprehensive (Loss) Income for Pension and Other Postretirement Benefit Plans	(1,969,000)	8,837,000	(7,904,000)
Accumulated Other Comprehensive Income
Net Actuarial Loss (Gain)	4,141,000	6,574,000
Prior Service Cost	840,000	376,000
Total Accumulated Other Comprehensive Income (Loss), Before Tax	4,981,000	6,950,000
Net Periodic Benefit Cost
Service Cost	1,593,000	1,877,000	1,934,000
Interest Cost	2,099,000	1,439,000	1,365,000
Expected Return on Plan Assets	(3,416,000)	(4,314,000)	(3,780,000)
Amortization of Prior Service Cost	62,000	77,000	78,000
Amortization of Net Loss (Gain)	118,000	0	0
Settlement Cost		577,000
Net Periodic Benefit Cost	$ 456,000	$ (344,000)	$ (403,000)
Weighted-Average Assumptions Used in Calculating Benefit Obligation
Discount Rate	5.52%	5.59%
Rate of Compensation Increase	4%	3.50%
Interest Rate Credit for Determining Projected Cash Balance Account	4.66%	3.99%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment One	5.50%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment Two	5.76%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment Three	5.83%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment One	5.50%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Two	5.76%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Three	5.83%
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Discount Rate	5.59%	3.30%	3.14%
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	3.99%	3%	3%
Interest Rate to Annuitize Cash Balance Account, Segment One	5.50%	5.09%	1.02%
Interest Rate to Annuitize Cash Balance Account, Segment Two	5.76%	5.60%	2.72%
Interest Rate to Annuitize Cash Balance Account, Segment Three	5.83%	5.41%	3.08%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment One	5.50%	5.09%	1.02%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Two	5.76%	5.60%	2.72%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Three	5.83%	5.41%	3.08%
Fair Value of Plan Assets	$ 59,199,000	$ 54,300,000	$ 68,925,000
Expected Future Benefit Payments
2024	3,739,000
2025	3,468,000
2026	3,262,000
2027	3,330,000
2028	3,336,000
2029 - 2033	16,545,000
Estimated Contributions During 2024	$ 0
Select Executive Retirement Plan
Defined Benefit Plan Disclosure [Line Items]
Assumptions used calculating benefit obligation, interest rate to annuitize cash balance account	5.76%
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	6,904,000	6,070,000	6,455,000
Funded Status of Plan	(6,904,000)	(6,070,000)
Change in Benefit Obligation
Benefit Obligation, Beginning of Period	6,070,000	6,455,000
Service Cost	570,000	835,000	582,000
Interest Cost	336,000	225,000	191,000
Plan Participants' Contributions	0	0
Amendments / Curtailments / Special Termination	0
Actuarial Gain (Loss)	357,000	(983,000)
Benefits Paid	(429,000)	(462,000)
Benefit Obligation, End of Period	6,904,000	6,070,000	6,455,000
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	429,000	462,000
Plan Participants' Contributions	0	0
Benefits Paid	(429,000)	(462,000)
Fair Value of Plan Assets, End of Period	0	0	0
Accumulated Benefit Obligation at December 31, 2023	6,904,000
Amounts Recognized in the Consolidated Balance Sheets
Prepaid Pension Asset	0	0
Accrued Benefit Liability	(6,904,000)	(6,070,000)
Net Benefit (Expense) Recognized	(6,904,000)	(6,070,000)
Amounts Recognized in Other Comprehensive Income (Loss)
Net Unamortized (Gain) Loss Arising During the Period	358,000	(983,000)	332,000
Prior Service Cost	0
Amortization of Net (Loss) Gain	(73,000)	(212,000)	(178,000)
Amortization of Prior Service Cost	(39,000)	(44,000)	(48,000)
Settlement Cost		0
Total Other Comprehensive (Loss) Income for Pension and Other Postretirement Benefit Plans	246,000	(1,239,000)	106,000
Accumulated Other Comprehensive Income
Net Actuarial Loss (Gain)	1,739,000	1,453,000
Prior Service Cost	330,000	370,000
Total Accumulated Other Comprehensive Income (Loss), Before Tax	2,069,000	1,823,000
Net Periodic Benefit Cost
Service Cost	570,000	835,000	582,000
Interest Cost	336,000	225,000	191,000
Expected Return on Plan Assets	0	0	0
Amortization of Prior Service Cost	39,000	44,000	48,000
Amortization of Net Loss (Gain)	73,000	212,000	178,000
Settlement Cost		0
Net Periodic Benefit Cost	$ 1,018,000	$ 1,316,000	$ 999,000
Weighted-Average Assumptions Used in Calculating Benefit Obligation
Discount Rate	5.53%	5.61%
Rate of Compensation Increase	4%	3.50%
Interest Rate Credit for Determining Projected Cash Balance Account	4.66%	3.99%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment One	5.50%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment Two	5.76%
Interest Rate Credit for Determining Projected Cash Balance Account, Segment Three	5.83%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment One	5.50%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Two	5.76%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Three	5.83%
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Discount Rate	5.61%	5.61%	3.19%
Rate of Compensation Increase	3.50%	3.50%	3.50%
Interest Rate Credit for Determining Projected Cash Balance Account	3.99%	3.99%	3%
Interest Rate to Annuitize Cash Balance Account, Segment One	5.50%	5.09%	1.02%
Interest Rate to Annuitize Cash Balance Account, Segment Two	5.76%	5.60%	2.72%
Interest Rate to Annuitize Cash Balance Account, Segment Three	5.83%	5.41%	3.08%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment One	5.50%	5.09%	1.02%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Two	5.76%	5.60%	2.72%
Interest Rate to Convert Annuities to Actuarially Equivalent Lump Sum Amounts, Segment Three	5.83%	5.41%	3.08%
Fair Value of Plan Assets	$ 0	$ 0	$ 0
Expected Future Benefit Payments
2024	701,000
2025	682,000
2026	653,000
2027	654,000
2028	623,000
2029 - 2033	2,713,000
Estimated Contributions During 2024	$ 701,000
Postretirement Benefit Plans
Defined Benefit Plan Disclosure [Line Items]
Assumptions used calculating benefit obligation, interest rate to annuitize cash balance account	5.83%
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	6,221,000	6,482,000	7,994,000
Funded Status of Plan	(6,221,000)	(6,482,000)
Change in Benefit Obligation
Benefit Obligation, Beginning of Period	6,482,000	7,994,000
Service Cost	56,000	90,000	109,000
Interest Cost	332,000	248,000	249,000
Plan Participants' Contributions	459,000	427,000
Amendments / Curtailments / Special Termination	0
Actuarial Gain (Loss)	(397,000)	(1,571,000)
Benefits Paid	(711,000)	(706,000)
Benefit Obligation, End of Period	6,221,000	6,482,000	7,994,000
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	252,000	279,000
Plan Participants' Contributions	459,000	427,000
Benefits Paid	(711,000)	(706,000)
Fair Value of Plan Assets, End of Period	0	0	0
Accumulated Benefit Obligation at December 31, 2023	6,221,000
Amounts Recognized in the Consolidated Balance Sheets
Prepaid Pension Asset	0	0
Accrued Benefit Liability	(6,221,000)	(6,482,000)
Net Benefit (Expense) Recognized	(6,221,000)	(6,482,000)
Amounts Recognized in Other Comprehensive Income (Loss)
Net Unamortized (Gain) Loss Arising During the Period	(397,000)	(1,571,000)	(1,239,000)
Prior Service Cost	0
Amortization of Net (Loss) Gain	353,000	156,000	87,000
Amortization of Prior Service Cost	(104,000)	(106,000)	(106,000)
Settlement Cost		0
Total Other Comprehensive (Loss) Income for Pension and Other Postretirement Benefit Plans	(148,000)	(1,521,000)	(1,258,000)
Accumulated Other Comprehensive Income
Net Actuarial Loss (Gain)	(2,641,000)	(2,597,000)
Prior Service Cost	262,000	366,000
Total Accumulated Other Comprehensive Income (Loss), Before Tax	(2,379,000)	(2,231,000)
Net Periodic Benefit Cost
Service Cost	56,000	90,000	109,000
Interest Cost	332,000	248,000	249,000
Expected Return on Plan Assets	0	0	0
Amortization of Prior Service Cost	104,000	106,000	106,000
Amortization of Net Loss (Gain)	(353,000)	(156,000)	(87,000)
Settlement Cost		0
Net Periodic Benefit Cost	$ 139,000	$ 288,000	$ 377,000
Weighted-Average Assumptions Used in Calculating Benefit Obligation
Discount Rate	5.51%	5.62%
Rate of Compensation Increase	4%	3.50%
Weighted-Average Assumptions Used in Calculating Net Periodic Benefit Cost
Discount Rate	5.62%	3.32%	3.17%
Rate of Compensation Increase	3.50%	3.50%	3.50%
Fair Value of Plan Assets	$ 0	$ 0	$ 0
Expected Future Benefit Payments
2024	613,000
2025	622,000
2026	643,000
2027	664,000
2028	636,000
2029 - 2033	2,727,000
Estimated Contributions During 2024	$ 613,000
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, 2023	Dec. 31, 2022	Dec. 31, 2021
Other Income and Expenses [Abstract]
Legal and Other Professional Fees	$ 8,989	$ 3,076	$ 2,706
Postage and Courier	1,367	1,277	1,044
Advertising and Promotion	1,173	1,190	1,083
Stationery and Printing	832	805	721
Intangible Asset Amortization	176	193	210
Litigation Reserve Expense	0	0	1,475
All Other	6,630	4,490	4,285
Total Other Operating Expense	$ 19,169	$ 11,031	$ 11,524

Income Taxes - Current Income T

Income Taxes - Current Income Tax Expense (Benefit), Continuing Operations (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Current Tax Expense:
Federal	$ 4,611	$ 12,263	$ 10,957
State	1,035	3,103	2,645
Total Current Tax Expense	5,646	15,366	13,602
Deferred Tax Expense (Benefit):
Federal	1,825	(798)	712
State	(26)	(454)	233
Total Deferred Tax Expense (Benefit)	1,799	(1,252)	945
Total Provision for Income Taxes	$ 7,445	$ 14,114	$ 14,547

Income Taxes - Effective Income

Income Taxes - Effective Income Tax Rate, Continuing Operations, Tax Rate Reconciliation (Details)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Effective Income Tax Rate Reconciliation, Percent [Abstract]
Statutory Federal Tax Rate	21%	21%	21%
Tax-Exempt Income	(2.30%)	(1.40%)	(1.50%)
State Taxes, Net of Federal Income Tax Benefit	2.30%	3.40%	3.40%
Other Items, Net	(1.20%)	(0.60%)	(0.30%)
Effective Tax Rate	19.80%	22.40%	22.60%

Income Taxes - Components of De

Income Taxes - Components of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Deferred Tax Assets:
Net Unrealized Losses on Securities Available-for-Sale Included in Accumulated Other Comprehensive Income	$ 11,003	$ 16,914
Allowance for Credit Losses	8,475	8,199
Lease liabilities	2,635	2,821
Pension and Deferred Compensation Plans	3,708	3,571
Pension Liability Included in Accumulated Other Comprehensive Income	1,210	1,692
Historic Tax Credit	363	749
Other	781	745
Total Gross Deferred Tax Assets	28,175	34,691
Valuation Allowance for Deferred Tax Assets	0	0
Total Gross Deferred Tax Assets, Net of Valuation Allowance	28,175	34,691
Deferred Tax Liabilities:
Pension Plans	5,489	5,606
Depreciation	5,094	3,165
ROU assets	2,426	2,646
Deferred Income	3,905	3,266
Net Unrealized Gains on Equity Securities	207	272
Goodwill	3,379	3,416
Gain on Cash Flow Hedge Agreements Included in Accumulated Other Comprehensive Income	590	1,404
Total Gross Deferred Tax Liabilities	21,090	19,775
Deferred Tax Asset, Net	$ 7,085	$ 14,916

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details)	Dec. 31, 2023 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, 2023		Dec. 31, 2022	Dec. 31, 2021	Sep. 26, 2023
Earnings Per Share [Abstract]
Stock dividend, percent		300%	[1]	300%	300%	300%
Net Income		$ 30,075		$ 48,799	$ 49,857
Weighted Average Shares - Basic (in shares)	[2]	17,037		17,008	16,994
Earnings Per Share - Basic (in dollars per share)	[2]	$ 1.77		$ 2.86	$ 2.93
Dilutive Average Shares Attributable to Stock Options (in shares)		0		51	58
Weighted Average Shares - Diluted (in shares)	[2]	17,037		17,059	17,052
Earnings Per Share - Diluted (in dollars per share)	[2]	$ 1.77		$ 2.86	$ 2.92
[1]Included in the shares issued for the 3% stock dividend in 2023 were treasury shares of 146,128.[2] Share and Per Share Amounts have been restated for the September 26, 2023 3% stock dividend.

Fair Values - Recurring and Non

Fair Values - Recurring and Nonrecurring (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	$ 497,769	$ 573,495
Equity Securities	1,925	2,174
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	497,769	573,495
Equity Securities	1,925	2,174
Total Securities Measured on a Recurring Basis	499,694	575,669
Derivative Assets	12,057	7,506
Total Measured on a Recurring Basis	511,751	583,175
Derivative Liabilities	9,598	2,060
Total Measured on a Recurring Basis	9,598	2,060
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
Derivative Assets	0	0
Total Measured on a Recurring Basis	0	0
Derivative 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	497,769	573,495
Equity Securities	1,925	2,174
Total Securities Measured on a Recurring Basis	499,694	575,669
Derivative Assets	12,057	7,506
Total Measured on a Recurring Basis	511,751	583,175
Derivative Liabilities	9,598	2,060
Total Measured on a Recurring Basis	9,598	2,060
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
Derivative Assets	0	0
Total Measured on a Recurring Basis	0	0
Derivative 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	0
Gain (Loss) on Collateral Dependent Impaired Loans	0	0
Other Real Estate Owned and Repossessed Assets, Net	312	593
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	0
Other Real Estate Owned and Repossessed Assets, Net	312	593
U.S. Treasuries
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	74,004
U.S. Treasuries | Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	74,004
U.S. Treasuries | 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
U.S. Treasuries | 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	74,004
U.S. Treasuries | 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
U.S. Government & Agency Obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	152,925	175,199
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	152,925	175,199
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	152,925	175,199
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	280	340
State and Municipal Obligations | Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	280	340
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	280	340
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	269,760	397,156
Mortgage-Backed Securities | Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale	269,760	397,156
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	269,760	397,156
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	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, 2023	Dec. 31, 2022
Carrying Amount
Securities Available-for-Sale	$ 497,769	$ 573,495
Held-To-Maturity Securities, at Amortized Cost	131,395	175,364
Equity Securities	1,925	2,174
Federal Home Loan Bank and Federal Reserve Bank Stock	5,049	6,064
Deposits	3,687,566	3,498,364
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Fair Value
Securities Available-for-Sale	497,769	573,495
Held-To-Maturity Securities	128,837	171,623
Equity Securities	1,925	2,174
Carrying Amount
Carrying Amount
Cash and Cash Equivalents	142,536	64,660
Securities Available-for-Sale	497,769	573,495
Held-To-Maturity Securities, at Amortized Cost	131,395	175,364
Equity Securities	1,925	2,174
Federal Home Loan Bank and Federal Reserve Bank Stock	5,049	6,064
Net Loans	3,181,643	2,953,255
Accrued Interest Receivable	11,076	9,890
Derivative Assets	12,057	7,506
Deposits	3,687,566	3,498,364
Borrowings	26,500	54,800
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Accrued Interest Payable	6,289	357
Derivative Liabilities	9,598	2,060
Fair Value
Securities Available-for-Sale	497,769	573,495
Equity Securities	1,925	2,174
Derivative Assets	12,057	7,506
Derivative Liabilities	9,598	2,060
Fair Value
Carrying Amount
Securities Available-for-Sale	497,769	573,495
Equity Securities	1,925	2,174
Derivative Assets	12,057	7,506
Derivative Liabilities	9,598	2,060
Fair Value
Cash and Cash Equivalents	142,536	64,660
Securities Available-for-Sale	497,769	573,495
Held-To-Maturity Securities	128,837	171,623
Equity Securities	1,925	2,174
Federal Home Loan Bank and Federal Reserve Bank Stock	5,049	6,064
Net Loans	2,940,318	2,742,721
Accrued Interest Receivable	11,076	9,890
Derivative Assets	12,057	7,506
Deposits	3,683,122	3,492,021
Borrowings	26,189	54,757
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Accrued Interest Payable	6,289	357
Derivative Liabilities	9,598	2,060
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value
Carrying Amount
Securities Available-for-Sale	0	0
Equity Securities		0
Derivative Assets	0	0
Derivative Liabilities	0	0
Fair Value
Cash and Cash Equivalents	142,536	64,660
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
Derivative Assets	0	0
Deposits	0	0
Borrowings	0	0
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	0	0
Accrued Interest Payable	0	0
Derivative Liabilities	0	0
Significant Other Observable Inputs (Level 2) | Fair Value
Carrying Amount
Securities Available-for-Sale	497,769	573,495
Equity Securities	1,925	2,174
Derivative Assets	12,057	7,506
Derivative Liabilities	9,598	2,060
Fair Value
Cash and Cash Equivalents	0	0
Securities Available-for-Sale	497,769	573,495
Held-To-Maturity Securities	128,837	171,623
Equity Securities	1,925	2,174
Federal Home Loan Bank and Federal Reserve Bank Stock	5,049	6,064
Net Loans	0	0
Accrued Interest Receivable	11,076	9,890
Derivative Assets	12,057	7,506
Deposits	3,683,122	3,492,021
Borrowings	26,189	54,757
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Accrued Interest Payable	6,289	357
Derivative Liabilities	9,598	2,060
Significant Unobservable Inputs (Level 3) | Fair Value
Carrying Amount
Securities Available-for-Sale	0	0
Equity Securities
Derivative Assets	0	0
Derivative 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	2,940,318	2,742,721
Accrued Interest Receivable	0	0
Derivative Assets	0	0
Deposits	0	0
Borrowings	0	0
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	0	0
Accrued Interest Payable	0	0
Derivative Liabilities	$ 0	$ 0

Leases - Narrative (Details)

Leases - Narrative (Details)	12 Months Ended
	Dec. 31, 2023 office bank
Leases [Abstract]
Number of branch offices | office	2
Number of banks | bank	2

Leases - Quantitative Lease Dat

Leases - Quantitative Lease Data (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Finance Lease Amounts:
Right-of-Use Assets	$ 4,460	$ 4,637	$ 4,460	$ 4,637
Lease Liabilities	5,066	5,119	5,066	5,119
Operating Lease Amounts:
Right-of-Use Assets	4,948	5,627	4,948	5,627
Lease Liabilities	$ 5,152	$ 5,822	$ 5,152	$ 5,822
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			$ 191	$ 193
Operating Outgoing Cash Flows From Operating Leases			817	1,301
Financing Outgoing Cash Flows From Finance Leases			53	50	$ 48
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			$ 146	$ 0
Weighted-average Remaining Lease Term - Finance Leases (Yrs.)	26 years 3 months 10 days	27 years 2 months 26 days	26 years 3 months 10 days	27 years 2 months 26 days
Weighted-average Remaining Lease Term - Operating Leases (Yrs.)	11 years 1 month 24 days	11 years 1 month 20 days	11 years 1 month 24 days	11 years 1 month 20 days
Weighted-average Discount Rate—Finance Leases	3.75%	3.75%	3.75%	3.75%
Weighted-average Discount Rate—Operating Leases	3.08%	2.92%	3.08%	2.92%
Finance Lease Cost:
Reduction in the Carrying Amount of Right-of-Use Assets	$ 44	$ 44	$ 176	$ 177
Interest on Lease Liabilities	48	48	191	193	$ 195
Operating Lease Cost	195	304	981	1,229
Short-term Lease Cost	15	15	61	47
Variable Lease Cost	52	81	231	334
Total Lease Cost	$ 354	$ 492	$ 1,640	$ 1,980

Leases - Future Lease Payments

Leases - Future Lease Payments on Finance and Operating Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Operating Leases
2024	$ 731
2025	684
2026	620
2027	569
2028	487
Thereafter	3,089
Total Undiscounted Cash Flows	6,180
Less: Net Present Value Adjustment	1,028
Lease Liability	5,152	$ 5,822
Finance Leases
2024	249
2025	263
2026	268
2027	268
2028	268
Thereafter	6,996
Total Undiscounted Cash Flows	8,312
Less: Net Present Value Adjustment	3,244
Lease Liabilities	$ 5,066	$ 5,119

Derivative Instruments and He_3

Derivative Instruments and Hedging Activities - Interest Rate Swap Agreements And Fair Value Agreements (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
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]
Derivative Assets	$ 6,208	$ 7,506
Derivative Liabilities	6,208	7,506
Notional amount	123,197	127,763
Designated as Hedging Instrument | Fair Value Swap
Derivative [Line Items]
Derivative Assets	0	0
Derivative Liabilities	5,678	0
Notional amount	$ 300,000	$ 0

Derivative Instruments and He_4

Derivative Instruments and Hedging Activities - Narrative (Details) $ in Thousands	Dec. 31, 2023 USD ($) security	Sep. 30, 2023 USD ($) security	Dec. 31, 2022 USD ($)
Fair Value Swap | Designated as Hedging Instrument
Derivative [Line Items]
Notional amount	$ 300,000		$ 0
Fair Value Swap | Fair Value Hedging | Designated as Hedging Instrument
Derivative [Line Items]
Number of instruments held | security		2
Fair Value Swap, 1 | Fair Value Hedging | Designated as Hedging Instrument
Derivative [Line Items]
Notional amount		$ 250,000
Fair Value Swap, 2 | Fair Value Hedging | Designated as Hedging Instrument
Derivative [Line Items]
Notional amount		$ 50,000
Interest Rate Swap
Derivative [Line Items]
Amount of hedged item	$ 20,000
Interest Rate Swap | Designated as Hedging Instrument
Derivative [Line Items]
Number of instruments held | security	2
Interest Rate Swap 1 | Designated as Hedging Instrument
Derivative [Line Items]
Notional amount	$ 100,000
Interest Rate Swap 2 | Designated as Hedging Instrument
Derivative [Line Items]
Notional amount	$ 75,000

Derivative Instruments and He_5

Derivative Instruments and Hedging Activities - Fair Value Hedging Relationships Recognized On Statement Of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Hedged Asset	$ 5,849	$ 0
Fair value derivative designated as hedging instrument	(5,828)	0
Total gain recognized in the consolidated statements of income with interest and fees on loans	$ 21	$ 0

Derivative Instruments and He_6

Derivative Instruments and Hedging Activities - Fair Value Swap Agreements (Details) - Fair Value Swap - Fair Value Hedging - Designated as Hedging Instrument - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Derivative [Line Items]
Carrying Value of Portfolio Layer Method Hedged Asset	$ 305,849	$ 0
Cumulative Fair Value Hedging Adjustment	$ 5,849	$ 0

Derivative Instruments and He_7

Derivative Instruments and Hedging Activities - Cash Flow Hedge Agreements (Details) - Designated as Hedging Instrument - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
2023 Interest Rate Swaps
Derivative [Line Items]
Fair value adjustment included in other liabilities	$ 2,710	$ 0
Amount of (loss) gain recognized in AOCI	(2,553)	0
Amount of loss reclassified from AOCI interest expense	157	0
Interest Rate Swap, Subordinated Trust Securities
Derivative [Line Items]
Fair value adjustment included in other liabilities	(4,998)	(5,446)
Amount of (loss) gain recognized in AOCI	(1,355)	3,467
Amount of loss reclassified from AOCI interest expense	$ (907)	$ (204)

Regulatory Matters (Details)

Regulatory Matters (Details) $ in Thousands	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Maximum Subsidiary Dividend	$ 73,600
Arrow
Actual, Amount
Total Capital (to Risk Weighted Assets)	447,091	$ 435,857
Tier I Capital (to Risk Weighted Assets)	414,221	404,059
Tier One Capital (to Average Assets)	414,221	404,059
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 394,166	$ 384,003
Actual, Ratio
Total Capital (to Risk Weighted Assets)	0.147	0.151
Tier I Capital (to Risk Weighted Assets)	0.137	0.140
Tier One Leverage Capital (to Average Assets)	0.098	0.098
Common Equity Tier 1 Capital (to Risk Weighted Assets)	0.130	0.133
Minimum Amounts For Capital Adequacy, Amount
Total Capital (to Risk Weighted Assets)	$ 319,351	$ 303,079
Tier I Capital (to Risk Weighted Assets)	256,998	245,322
Tier One Leverage Capital (to Average Assets)	169,070	164,922
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 212,243	$ 202,107
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)	$ 304,144	$ 288,647
Tier I Capital (to Risk Weighted Assets)	241,881	230,891
Tier One Leverage Capital (to Average Assets)	211,337	206,153
Common Equity Tier 1 Leverage Capital (to Risk Weighted Assets)	$ 197,083	$ 187,671
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)	$ 320,449	$ 315,458
Tier I Capital (to Risk Weighted Assets)	297,667	292,134
Tier One Capital (to Average Assets)	297,667	292,134
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 297,612	$ 292,078
Actual, Ratio
Total Capital (to Risk Weighted Assets)	0.143	0.143
Tier I Capital (to Risk Weighted Assets)	0.132	0.132
Tier One Leverage Capital (to Average Assets)	0.092	0.090
Common Equity Tier 1 Capital (to Risk Weighted Assets)	0.132	0.132
Minimum Amounts For Capital Adequacy, Amount
Total Capital (to Risk Weighted Assets)	$ 235,295	$ 231,630
Tier I Capital (to Risk Weighted Assets)	191,680	188,117
Tier One Leverage Capital (to Average Assets)	129,420	129,837
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 157,825	$ 154,890
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)	$ 224,090	$ 220,600
Tier I Capital (to Risk Weighted Assets)	180,404	177,051
Tier One Leverage Capital (to Average Assets)	161,776	162,297
Common Equity Tier 1 Leverage Capital (to Risk Weighted Assets)	$ 146,551	$ 143,826
Minimum Amounts To Be Well-Capitalized
Total Capital (to Risk Weighted Assets)	0.100	0.100
Tier One Risk Based Capital (to Risk Weighted Assets)	0.080	0.080
Tier One Leverage Capital (to Average Assets)	0.050	0.050
Common Equity Tier 1 Capital (to Risk Weighted Assets)	0.065	0.065
Saratoga National
Actual, Amount
Total Capital (to Risk Weighted Assets)	$ 110,510	$ 104,279
Tier I Capital (to Risk Weighted Assets)	100,449	95,891
Tier One Capital (to Average Assets)	100,449	95,891
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 100,449	$ 95,891
Actual, Ratio
Total Capital (to Risk Weighted Assets)	0.137	0.155
Tier I Capital (to Risk Weighted Assets)	0.125	0.143
Tier One Leverage Capital (to Average Assets)	0.096	0.105
Common Equity Tier 1 Capital (to Risk Weighted Assets)	0.125	0.143
Minimum Amounts For Capital Adequacy, Amount
Total Capital (to Risk Weighted Assets)	$ 84,697	$ 70,641
Tier I Capital (to Risk Weighted Assets)	68,305	56,998
Tier One Leverage Capital (to Average Assets)	41,854	36,530
Common Equity Tier 1 Capital (to Risk Weighted Assets)	$ 56,251	$ 46,940
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)	$ 80,664	$ 67,277
Tier I Capital (to Risk Weighted Assets)	64,287	53,645
Tier One Leverage Capital (to Average Assets)	52,317	45,662
Common Equity Tier 1 Leverage Capital (to Risk Weighted Assets)	$ 52,233	$ 43,587
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, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
ASSETS
Interest-Bearing Deposits at Banks	$ 105,781	$ 32,774
Equity Securities	1,925	2,174
Other Assets	126,926	114,633
Total Assets	4,169,868	3,969,509
LIABILITIES
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Other Liabilities	50,964	37,688
Total Liabilities	3,790,096	3,615,971
STOCKHOLDERS’ EQUITY
Total Stockholders’ Equity	379,772	353,538	$ 371,186	$ 334,392
Total Liabilities and Stockholders’ Equity	4,169,868	3,969,509
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ASSETS
Interest-Bearing Deposits at Banks	1,305	1,532
Equity Securities	1,925	2,174
Investment in Subsidiaries at Equity	381,160	354,664
Other Assets	17,185	16,458
Total Assets	401,575	374,828
LIABILITIES
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000
Other Liabilities	1,803	1,290
Total Liabilities	21,803	21,290
STOCKHOLDERS’ EQUITY
Total Stockholders’ Equity	379,772	353,538
Total Liabilities and Stockholders’ Equity	$ 401,575	$ 374,828

Parent Only Financial Informa_4

Parent Only Financial Information - Parent Only Income Statement (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Condensed Financial Statements, Captions [Line Items]
Interest and Dividends on Investments	$ 162,564	$ 129,651	$ 115,550
Other Operating Income	2,437	2,588	1,774
Interest Expense	57,732	11,308	5,195
Other Operating Expense	19,169	11,031	11,524
Provision for Income Taxes	(7,445)	(14,114)	(14,547)
NET INCOME	30,075	48,799	49,857
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Condensed Financial Statements, Captions [Line Items]
Dividends from Bank Subsidiaries	24,000	19,264	15,994
Interest and Dividends on Investments	47	49	49
Other Operating Income	363	1,095	664
Total Income	24,410	20,408	16,707
Interest Expense	685	685	686
Other Operating Expense	4,280	1,030	879
Total Expense	4,965	1,715	1,565
Income Before Income Tax Benefit and Equity in Undistributed Net Income of Subsidiaries	19,445	18,693	15,142
Provision for Income Taxes	1,242	257	312
Equity in Undistributed Net Income of Subsidiaries	9,388	29,849	34,403
NET INCOME	$ 30,075	$ 48,799	$ 49,857

Parent Only Financial Informa_5

Parent Only Financial Information - Parent Only Statement of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Cash Flows from Operating Activities:
Net Income	$ 30,075	$ 48,799	$ 49,857
Shares Issued Under the Directors’ Stock Plan	218	408	376
Net Cash Provided By Operating Activities	20,580	59,713	68,206
Cash Flows from Financing Activities:
Shares Issued for Stock Option Exercises, net	96	631	1,505
Shares Issued Under the Employee Stock Purchase Plan	120	477	481
Shares Issued for Dividend Reinvestment Plans	472	1,904	1,836
Purchase of Treasury Stock	(3,608)	(2,872)	(2,662)
Net Cash Provided (Used) By Financing Activities	139,946	(59,687)	283,101
Net Increase (Decrease) in Cash and Cash Equivalents	77,876	(393,036)	76,705
Cash and Cash Equivalents at Beginning of Year	64,660	457,696	380,991
Cash and Cash Equivalents at End of Year	142,536	64,660	457,696
Interest on Deposits and Borrowings	51,828	5,752	5,373
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Cash Flows from Operating Activities:
Net Income	30,075	48,799	49,857
Undistributed Net Income of Subsidiaries	(9,388)	(29,849)	(34,403)
Shares Issued Under the Directors’ Stock Plan	218	408	376
Changes in Other Assets and Other Liabilities	(229)	(754)	(462)
Net Cash Provided By Operating Activities	20,676	18,604	15,368
Cash Flows from Financing Activities:
Shares Issued for Stock Option Exercises, net	96	631	1,505
Shares Issued Under the Employee Stock Purchase Plan	120	477	481
Shares Issued for Dividend Reinvestment Plans	472	1,904	1,836
Purchase of Treasury Stock	(3,608)	(2,872)	(2,662)
Cash Dividends Paid	(17,983)	(17,444)	(16,296)
Net Cash Provided (Used) By Financing Activities	(20,903)	(17,304)	(15,136)
Net Increase (Decrease) in Cash and Cash Equivalents	(227)	1,300	232
Cash and Cash Equivalents at Beginning of Year	1,532	232	0
Cash and Cash Equivalents at End of Year	1,305	1,532	232
Interest on Deposits and Borrowings	$ 685	$ 685	$ 686

Related Party Transaction (Deta

Related Party Transaction (Details) $ in Millions	12 Months Ended
	Dec. 31, 2023 USD ($)
Director | Construction Services
Related Party Transaction [Line Items]
Related party transaction, amounts of transaction	$ 2.8

Subsequent Events (Details)

Subsequent Events (Details)	Mar. 04, 2024 office
Subsequent Event
Subsequent Event [Line Items]
Number of branch offices to be acquired	1