Arrow Financial (AROW) 10-Q 7 Nov 24 2024 Q3 Quarterly report Financial data

Cover Page

Cover Page - shares	9 Months Ended
	Sep. 30, 2024	Oct. 31, 2024
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2024
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 Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding (in shares)		16,738,980
Entity Central Index Key	0000717538
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q3
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2023
ASSETS
Cash and Due From Banks	$ 53,969	$ 36,755	$ 39,778
Interest-Bearing Deposits at Banks	286,119	105,781	254,961
Investment Securities:
Available-for-Sale at Fair Value	437,067	497,769	519,240
Held-to-Maturity (Fair Value of $101,929 at September 30, 2024; $128,837 at December 31, 2023; and $134,811 at September 30, 2023)	103,337	131,395	140,577
Equity Securities	5,089	1,925	1,960
Other Investments	4,352	5,049	5,110
Loans	3,339,937	3,212,908	3,138,617
Allowance for Credit Losses	(31,262)	(31,265)	(31,112)
Net Loans	3,308,675	3,181,643	3,107,505
Premises and Equipment, Net	59,932	59,642	60,311
Goodwill	23,789	21,873	21,873
Other Intangible Assets, Net	2,190	1,110	1,205
Other Assets	126,930	126,926	120,391
Total Assets	4,411,449	4,169,868	4,272,911
LIABILITIES
Noninterest-Bearing Deposits	740,170	758,425	798,392
Interest-Bearing Checking Accounts	875,365	799,785	920,250
Savings Deposits	1,544,868	1,466,280	1,496,193
Time Deposits over $250,000	177,990	179,301	167,614
Other Time Deposits	499,064	483,775	284,036
Total Deposits	3,837,457	3,687,566	3,666,485
Borrowings	103,600	26,500	174,300
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000	20,000
Finance Leases	5,022	5,066	5,080
Other Liabilities	52,059	50,964	47,032
Total Liabilities	4,018,138	3,790,096	3,912,897
STOCKHOLDERS’ EQUITY
Preferred Stock, $1 Par Value and 1,000,000 Shares Authorized at September 30, 2024, December 31, 2023 and September 30, 2023	0	0	0
Common Stock, $1 Par Value; 30,000,000 Shares Authorized (22,066,559 Shares Issued at September 30, 2024, December 31, 2023 and September 30, 2023)	22,067	22,067	22,067
Additional Paid-in Capital	413,065	412,551	412,397
Retained Earnings	77,429	65,792	62,647
Accumulated Other Comprehensive Loss	(25,968)	(33,416)	(52,584)
Treasury Stock, at Cost (5,332,907 Shares at September 30, 2024; 5,124,073 Shares at December 31, 2023 and 5,017,063 Shares at September 30, 2023)	(93,282)	(87,222)	(84,513)
Total Stockholders’ Equity	393,311	379,772	360,014
Total Liabilities and Stockholders’ Equity	$ 4,411,449	$ 4,169,868	$ 4,272,911

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2023
Investments, Debt and Equity Securities [Abstract]
Held-to-maturity securities, at fair value	$ 101,929	$ 128,837	$ 134,811
STOCKHOLDERS’ EQUITY
Preferred Stock, par value (in dollars per share)	$ 1	$ 1	$ 1
Preferred Stock, shares authorized (in shares)	1,000,000	1,000,000	1,000,000
Common Stock, par value (in dollars per share)	$ 1	$ 1	$ 1
Common Stock, shares authorized (in shares)	30,000,000	30,000,000	30,000,000
Common Stock, shares issued (in shares)	22,066,559	22,066,559	22,066,559
Treasury Stock (in shares)	5,332,907	5,124,073	5,017,063

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
INTEREST AND DIVIDEND INCOME
Interest and Fees on Loans	$ 44,122	$ 36,699	$ 126,639	$ 103,203
Interest on Deposits at Banks	2,103	1,805	6,735	3,958
Interest and Dividends on Investment Securities:
Fully Taxable	2,656	2,924	8,851	8,823
Exempt from Federal Taxes	562	689	1,867	2,256
Total Interest and Dividend Income	49,443	42,117	144,092	118,240
INTEREST EXPENSE
Interest-Bearing Checking Accounts	1,966	1,156	5,510	2,346
Savings Deposits	10,905	9,729	31,706	23,830
Time Deposits over $250,000	1,803	1,466	5,645	3,159
Other Time Deposits	4,934	2,051	15,091	3,721
Borrowings	1,177	2,143	3,439	5,309
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	173	173	514	513
Interest on Financing Leases	47	46	142	143
Total Interest Expense	21,005	16,764	62,047	39,021
NET INTEREST INCOME	28,438	25,353	82,045	79,219
Provision for Credit Losses on Loans	934	354	2,326	2,856
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	27,504	24,999	79,719	76,363
NON-INTEREST INCOME
Insurance Commissions	1,955	1,695	5,299	4,775
Net Gain (Loss) on Securities	94	71	165	(214)
Net Gain on Sales of Loans	126	21	135	25
Other Operating Income	648	1,124	2,781	1,893
Total Non-Interest Income	8,133	8,050	23,847	21,633
NON-INTEREST EXPENSE
Salaries and Employee Benefits	13,446	11,988	39,375	35,974
Occupancy Expenses, Net	1,754	1,517	5,299	4,728
Technology and Equipment Expense	4,692	4,371	14,246	13,150
FDIC Assessments	698	515	2,111	1,478
Other Operating Expense	3,510	5,088	10,399	14,528
Total Non-Interest Expense	24,100	23,479	71,430	69,858
INCOME BEFORE PROVISION FOR INCOME TAXES	11,537	9,570	32,136	28,138
Provision for Income Taxes	2,562	1,827	6,897	5,786
NET INCOME	$ 8,975	$ 7,743	$ 25,239	$ 22,352
Average Shares Outstanding:
Basic (in shares)	16,710	17,050	16,746	17,049
Diluted (in shares)	16,742	17,050	16,772	17,049
Per Common Share:
Basic Earnings (in dollars per share)	$ 0.54	$ 0.46	$ 1.51	$ 1.31
Diluted Earnings (in dollars per share)	$ 0.53	$ 0.46	$ 1.50	$ 1.31
Income From Fiduciary Activities
NON-INTEREST INCOME
Revenue from contract with customer	$ 2,429	$ 2,378	$ 7,337	$ 7,081
Fees for Other Services to Customers
NON-INTEREST INCOME
Revenue from contract with customer	$ 2,881	$ 2,761	$ 8,130	$ 8,073

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Statement of Comprehensive Income [Abstract]
Net Income	$ 8,975	$ 7,743	$ 25,239	$ 22,352
Other Comprehensive Income (Loss), Net of Tax:
Net Unrealized Securities Holding Gain (Loss) Arising During the Period	9,282	(5,786)	8,503	(3,536)
Net Unrealized (Loss) Gain on Cash Flow Hedge Agreements	(3,464)	625	(569)	91
Reclassification of Net Unrealized (Loss) Gain on Cash Flow Hedge Agreements to Interest Expense	(146)	181	(463)	491
Amortization of Net Retirement Plan Actuarial (Gain)	(58)	(30)	(174)	(90)
Amortization of Net Retirement Plan Prior Service Cost	50	39	151	115
Other Comprehensive Income (Loss)	5,664	(4,971)	7,448	(2,929)
Comprehensive Income	$ 14,639	$ 2,772	$ 32,687	$ 19,423

Consolidated Statements of Chan

Consolidated Statements of Changes In Stockholders' Equity - USD ($) $ in Thousands		Total	Restricted Stock Units (RSU)	Restricted Stock Awards	Common Stock	Additional Paid-In Capital	Additional Paid-In Capital Restricted Stock Units (RSU)	Additional Paid-In Capital Restricted Stock Awards	Retained Earnings	Accumulated Other Comprehensive Loss	Treasury Stock	Treasury Stock Restricted Stock Units (RSU)	Treasury Stock Restricted Stock Awards
Beginning 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		22,352							22,352
Other Comprehensive Income		(2,929)								(2,929)
Stock Dividend		0			643	11,058			(11,701)
Cash Dividends Paid		(13,405)							(13,405)
Stock Options Exercised, Net		83				50					33
Shares Issued Under the Directors' Stock Plan		114				85					29
Shares Issued Under the Employee Stock Purchase Plan		120				87					33
Shares Issued for Dividend Reinvestment Plans		472				330					142
Stock-Based Compensation Expense		517				517
Purchases of Treasury Stock	[1]	(848)									(848)
Ending balance at Sep. 30, 2023		360,014			22,067	412,397			62,647	(52,584)	(84,513)
Beginning balance at Jun. 30, 2023		361,443			21,424	401,069			71,076	(47,613)	(84,513)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income		7,743
Other Comprehensive Income		(4,971)								(4,971)
Stock Dividend		0			643	11,058			(11,701)
Cash Dividends Paid		(4,471)							(4,471)
Stock-Based Compensation Expense		270				270
Ending balance at Sep. 30, 2023		360,014			22,067	412,397			62,647	(52,584)	(84,513)
Beginning balance at Dec. 31, 2023		379,772			22,067	412,551			65,792	(33,416)	(87,222)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income		25,239							25,239
Other Comprehensive Income		7,448								7,448
Cash Dividends Paid		(13,602)							(13,602)
Stock Options Exercised, Net		166				97					69
Shares Issued Under the Directors' Stock Plan		377				255					122
Shares Issued Under the Employee Stock Purchase Plan		209				137					72
Shares Issued Related to Restricted Share Awards			$ 0	$ 0			$ (23)	$ (179)				$ 23	$ 179
Compensation expense related to Employee Stock purchase Plan		21				21
Stock-Based Compensation Expense		206				206
Purchases of Treasury Stock	[1]	(6,525)									(6,525)
Ending balance at Sep. 30, 2024		393,311			22,067	413,065			77,429	(25,968)	(93,282)
Beginning balance at Jun. 30, 2024		383,018			22,067	412,917			72,980	(31,632)	(93,314)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income		8,975							8,975
Other Comprehensive Income		5,664								5,664
Cash Dividends Paid		(4,526)							(4,526)
Shares Issued Under the Directors' Stock Plan		121				83					38
Shares Issued Under the Employee Stock Purchase Plan		80				55					25
Shares Issued Related to Restricted Share Awards			$ 0				$ (23)					$ 23
Compensation expense related to Employee Stock purchase Plan		8				8
Stock-Based Compensation Expense		25				25
Purchases of Treasury Stock	[1]	(54)									(54)
Ending balance at Sep. 30, 2024		$ 393,311			$ 22,067	$ 413,065			$ 77,429	$ (25,968)	$ (93,282)
[1] Cost of Treasury Stock for the 2024 periods includes accrual of Stock Buyback Tax Under the Inflation Reduction Act of 2022

Consolidated Statements of Ch_2

Consolidated Statements of Changes In Stockholders' Equity (Parenthetical) - $ / shares		3 Months Ended		9 Months Ended
		Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Statement of Stockholders' Equity [Abstract]
Stock dividend (in percent)			3%		3%
Stock dividend (in shares)			642,567		642,567
Cash Dividends Paid, per Share (in dollars per share)		$ 0.27	$ 0.262	$ 0.81	$ 0.786
Stock Options Exercised (in shares)				8,620	3,772
Shares Issued Under the Directors' Stock Plan (in shares)		4,594		15,196	3,418
Shares Issued Under Employee Stock Purchase Plan (in shares)		3,041		8,884	3,872
Shares Issued Related to Restricted Stock Units (in shares)		2,753		2,753
Shares Issued Related to Restricted Share Awards (in share)				22,230
Shares Issued for Dividend Reinvestment Plans (in shares)					17,753
Purchase of Treasury Stock (in shares)	[1]	0		266,517	27,395
[1] Cost of Treasury Stock for the 2024 periods includes accrual of Stock Buyback Tax Under the Inflation Reduction Act of 2022

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Cash Flows from Operating Activities:
Net Income	$ 25,239	$ 22,352
Provision for Credit Losses on Loans	2,326	2,856
Depreciation and Amortization	4,008	4,962
Net (Gain) Loss on Securities Transactions	(165)	214
Loans Originated and Held-for-Sale	(6,278)	491
Proceeds from the Sale of Loans Held-for-Sale	6,376	25
Net Gain on the Sale of Loans	(135)	(25)
Net (Gain) Loss on the Sale of Premises and Equipment, Other Real Estate Owned and Repossessed Assets	(312)	135
Contributions to Retirement Benefit Plans	(494)	(400)
Deferred Income Tax Benefit	(255)	0
Shares Issued Under the Directors’ Stock Plan	377	114
Stock-Based Compensation Expense	227	517
Tax Benefit from Exercise of Stock Options	29	11
Net Increase in Other Assets	(3,458)	(1,338)
Net Increase in Other Liabilities	1,359	6,985
Net Cash Provided By Operating Activities	28,844	36,899
Cash Flows from Investing Activities:
Proceeds from the Maturities and Calls of Securities Available-for-Sale	72,545	48,499
Proceeds from the Maturities and Calls of Securities Held-to-Maturity	36,801	41,919
Purchases of Securities Held-to-Maturity	(8,959)	(7,490)
Purchases of Equity Securities	(2,999)	0
Net Increase in Loans	(127,890)	(159,518)
Proceeds from the Sales of Premises and Equipment, Other Real Estate Owned and Repossessed Assets	2,708	1,978
Purchase of Premises and Equipment	(4,084)	(6,474)
Net Decrease in FHLB and Federal Reserve Bank Stock	697	954
Purchase of Bank Owned Life Insurance	0	(692)
Acquisition of Whitehall Branch	32,354	0
Net Cash Provided (Used) By Investing Activities	1,173	(80,824)
Cash Flows from Financing Activities:
Net Increase in Deposits	112,211	168,121
Finance Lease Payments	(44)	(39)
Other Borrowings - Advances	102,100	256,500
Other Borrowings - Paydowns	(25,000)	(137,000)
Net Cash Collateral Received from Derivative Counterparties	(1,980)	0
Purchase of Treasury Stock	(6,525)	(848)
Stock Options Exercised, Net	166	83
Shares Issued Under the Employee Stock Purchase Plan	209	120
Shares Issued for Dividend Reinvestment Plans	0	472
Cash Dividends Paid	(13,602)	(13,405)
Net Cash Provided By Financing Activities	167,535	274,004
Net Increase in Cash and Cash Equivalents	197,552	230,079
Cash and Cash Equivalents at Beginning of Period	142,536	64,660
Cash and Cash Equivalents at End of Period	340,088	294,739
Supplemental Disclosures to Statements of Cash Flow Information:
Interest on Deposits and Borrowings	60,869	31,976
Income Taxes	5,553	5,819
Transfer of Loans to Other Real Estate Owned and Repossessed Assets	1,704	1,921
Total fair value of assets acquired in acquisition of Whitehall Branch, net of cash	3,819	0
Total fair value of liabilities assumed in acquisition of Whitehall Branch, net of cash	$ 37,683	$ 0

Risks and Uncertainties

Risks and Uncertainties	9 Months Ended
	Sep. 30, 2024
Risks and Uncertainties [Abstract]
Risks and Uncertainties	RISKS AND UNCERTAINTIES Nature of Operations - Arrow Financial Corporation, a New York corporation ("Arrow," the "Company," "we," or "us"), 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 ("GFNB") whose main office is located in Glens Falls, New York, and Saratoga National Bank and Trust Company ("SNB") whose main office is located in Saratoga Springs, New York. The two subsidiary 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. We have commenced preparation for the unification of the banking subsidiaries into one entity to be renamed Arrow Bank National Association (the "Unification"). An active subsidiary of GFNB 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 (REIT), are subsidiaries of GFNB. 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 ("FRBNY"), advances from the FRBNY Bank Term Funding Program ("BTFP") and cash flow from investment securities and loans.

Accounting Policies

Accounting Policies	9 Months Ended
	Sep. 30, 2024
Accounting Policies [Abstract]
Accounting Policies	ACCOUNTING POLICIES The accompanying unaudited interim consolidated financial statements contain all of the adjustments necessary to present fairly the financial position as of September 30, 2024, December 31, 2023 and September 30, 2023; the results of operations for the three and nine month periods ended September 30, 2024 and 2023; the consolidated statements of comprehensive income for the three and nine month periods ended September 30, 2024 and 2023; the changes in stockholders' equity for the three and nine month periods ended September 30, 2024 and 2023; and the cash flows for the nine month periods ended September 30, 2024 and 2023. All such adjustments are of a normal recurring nature. The unaudited interim consolidated financial statements should be read in conjunction with the audited annual consolidated financial statements of Arrow for the year ended December 31, 2023 included in Arrow's Annual Report on Form 10-K for the year ended December 31, 2023 (the "2023 Form 10-K"). Recently Issued Accounting Standards In March 2020, the FASB issued ASU 2020-04, "Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting." On January 7, 2021, the FASB issued ASU 2021-01, which refines the scope of ASC 848 and clarifies some of its guidance. The ASU and related amendments provide temporary optional expedients and exceptions to the existing guidance for applying GAAP to affected contract modifications and hedge accounting relationships in the transition away from the LIBOR or other interbank offered rate on financial reporting. The guidance also allows a one-time election to sell and/or reclassify to AFS or trading HTM debt securities that reference an interest rate affected by reference rate reform. The amendments in this ASU are effective March 12, 2020 through December 31, 2022 and permit relief solely for reference rate reform actions and different elections over the effective date for legacy and new activity. In December 2022, FASB issued ASU 2022-06, "Reference Rate Reform (Topic 848)" which deferred the sunset date of Topic 848 to December 31, 2024, to allow for a transition period after the sunset of LIBOR. Arrow does not expect ASU 2022-06 will have a material impact on its consolidated financial statements. In November 2023, the FASB issued ASU No. 2023-07, Segment Reporting: Improvements to Reportable Segment Disclosures. This ASU amends FASB Topic 280 to permit the disclosure of multiple measures of a segment's profit or loss, and requires an entity with a single reportable segment to apply FASB Topic 280 in its entirety. In addition, this ASU requires new segment disclosures. Arrow does not expect this new standard will have a material impact on the consolidated financial statements. In December 2023, the FASB issued ASU 2023-09,1 which establishes new income tax disclosure requirements in addition to modifying and eliminating certain existing requirements. Under the new guidance, entities must consistently categorize and provide greater disaggregation of information in the rate reconciliation. They must also further disaggregate income taxes paid. Arrow does not expect this new standard will have a material impact on the consolidated financial statements. 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 (GAAP) 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. Management utilized estimates and assumptions in its evaluation of potential impairment of Arrow's right-of-use lease assets, goodwill and intangible assets. Our most significant estimate is the allowance for credit losses. Other estimates include the fair value of financial instruments, evaluation of pension and other post-retirement liabilities, an analysis of a need for a valuation allowance for deferred tax assets and a reserve for unfunded loan commitments recorded as an other liability. Actual results could differ from those estimates. A material estimate that is particularly susceptible to significant change in the near term is the allowance for credit losses. In connection with the determination of the allowance for credit losses management obtains economic forecasts from reliable sources and appraisals for properties. The allowance for credit losses is management’s best estimate of the life of loan losses as of the balance sheet date. While management uses available information to recognize losses on loans, future adjustments to the allowance for credit losses may be necessary based on changes in economic conditions. Allowance for Credit Losses – Loans - Accounting Standards Update (ASU) 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments (CECL) approach requires an estimate of the credit losses expected over the life of a loan (or pool of loans). It replaces the incurred loss approach’s threshold that required the recognition of a credit loss when it was probable that a loss event was incurred. The allowance for credit losses is a valuation account that is deducted from, or added to, the loans’ amortized cost basis to present the net lifetime amount expected to be collected on the loans. Credit losses are charged off against the allowance when management believes a loan balance is confirmed to be uncollectible. Expected recoveries do not exceed the aggregate of amounts previously charged off and expected to be charged off. Management estimates the allowance using relevant available information from internal and external sources related to past events, current conditions, and a reasonable and supportable single economic forecast. Historical credit loss experience provides the basis for the estimation of expected credit losses. Arrow's historical loss experience is supplemented with peer information when there is insufficient loss data for Arrow. Peer selection is 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. 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 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 Case-Shiller U.S. National 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 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 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 the repayment of a collateral dependent financial asset is expected to be provided substantially through the operation 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. As part of ASU No. 2022-02, Arrow evaluates whether the modification represents a new loan or a continuation of an existing loan, consistent with the current GAAP treatment for other loan modifications. In addition, Arrow evaluates and if necessary, discloses if loan modifications made to borrowers experiencing financial difficulty contain a financial concession. 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 non-interest 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 Arrow 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 - Arrow has 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 its policy to write off accrued interest receivable by reversing interest income. For loans, write off typically occurs upon becoming over 90 to 120 days past due and therefore the amount of such write offs are immaterial. Historically, Arrow has not experienced uncollectible accrued interest receivable on investment securities. Allowance for 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. Arrow's HTM debt securities are comprised of U.S. government-sponsored enterprises (GSEs) or state and municipal obligations. GSE 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. 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 - Arrow's AFS debt securities are comprised of U.S. Treasuries, U.S. Government & Agency Obligations, State and Municipal Obligations, Mortgage-Backed Securities and Corporate and Other 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, Arrow 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 ("FRB") 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 ("FHLBNY") continues to pay dividends and repurchase stock. As such, the Company has not recognized any impairment on its holdings of FRB and FHLB stock. Cybersecurity Risk Management, Strategy, Governance and Incident Disclosure: Cybersecurity Risk management and strategy - Annually, registrants are required to describe the processes, if any, for assessing, identifying,and managing material risks from cybersecurity threats in sufficient detail for a reasonable investor to understand those processes. The registrant must also describe whether and how any risks from cybersecurity threats, including as a result of any previous cybersecurity incidents, have materially affected or are reasonably likely to materially affect the registrant, including its business strategy, results of operations, or financial condition. Governance - Disclosure is required about management’s and the board of directors’ oversight of cybersecurity risk, including a description of the board of directors’ oversight of risks from cybersecurity threats and a description of management’s role in assessing and managing the registrant’s material risks from cybersecurity threats. The annual disclosure requirements became effective for the Company beginning with the 2023 Form 10-K.

Cash and Cash Equivalents

Cash and Cash Equivalents	9 Months Ended
	Sep. 30, 2024
Cash and Cash Equivalents [Abstract]
Cash and Cash Equivalents	CASH AND CASH EQUIVALENTS (In Thousands) The following table is the schedule of Cash and Cash Equivalents at September 30, 2024, December 31, 2023 and September 30, 2023: September 30, 2024 December 31, 2023 September 30, 2023 Cash and Due From Banks $ 53,969 $ 36,755 $ 39,778 Interest-bearing Deposits at Banks 286,119 105,781 254,961 Total Cash and Cash Equivalents $ 340,088 142,536 294,739

Investment Securities

Investment Securities	9 Months Ended
	Sep. 30, 2024
Investments, Debt and Equity Securities [Abstract]
Investment Securities	INVESTMENT SECURITIES (In Thousands) The following table is the schedule of Available-For-Sale Securities at September 30, 2024, December 31, 2023 and September 30, 2023: Available-For-Sale Securities U.S. Treasuries U.S. Government & Agency State and Mortgage- Corporate Total September 30, 2024 Available-For-Sale Securities, $ 49,795 $ 145,000 $ 240 $ 272,008 $ 1,000 $ 468,043 Gross Unrealized Gains 229 58 — 33 — 320 Gross Unrealized Losses — (3,708) — (27,545) (43) (31,296) Available-For-Sale Securities, 50,024 141,350 240 244,496 957 437,067 Available-For-Sale Securities, 332,430 Maturities of Debt Securities, Within One Year $ 24,846 $ 60,000 $ — $ 2,012 $ — $ 86,858 From 1 - 5 Years 24,949 85,000 — 170,711 1,000 281,660 From 5 - 10 Years — — 240 99,285 — 99,525 Over 10 Years — — — — — — Maturities of Debt Securities, Within One Year $ 24,865 $ 59,319 $ — $ 1,985 $ — $ 86,169 From 1 - 5 Years 25,159 82,031 — 156,934 957 265,081 From 5 - 10 Years — — 240 85,577 — 85,817 Over 10 Years — — — — — — Securities in a Continuous Less than 12 Months $ — $ — $ — $ — $ — $ — 12 Months or Longer — 126,292 — 238,220 957 365,469 Total $ — $ 126,292 $ — $ 238,220 $ 957 $ 365,469 Number of Securities in a — 17 — 91 1 109 Unrealized Losses on Less than 12 Months $ — $ — $ — $ — $ — $ — 12 Months or Longer — 3,708 — 27,545 43 31,296 Total $ — $ 3,708 $ — $ 27,545 $ 43 $ 31,296 Disaggregated Details: US Treasuries, $ 49,795 US Treasuries, 50,024 US Agency Obligations, $ 145,000 US Agency Obligations, 141,350 Local Municipal Obligations, $ 240 Local Municipal Obligations, 240 US Government Agency $ 6,908 Available-For-Sale Securities U.S. Treasuries U.S. Government & Agency State and Mortgage- Corporate Total US Government Agency 6,690 Government Sponsored Entity 265,100 Government Sponsored Entity 237,806 Corporate Trust Preferred Securities, at Amortized Cost $ 1,000 Corporate Trust Preferred Securities, at Fair Value 957 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 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 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 Treasuries, $ 73,761 US Treasuries, 74,004 US Agency Obligations, $ 160,000 US Agency Obligations, 152,925 Local Municipal Obligations, $ 280 Local Municipal Obligations, 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 Available-For-Sale Securities U.S. Treasuries U.S. Government & Agency State and Mortgage- Corporate Total Corporate Trust Preferred Securities, at Fair Value 800 September 30, 2023 Available-For-Sale Securities, $ — $ 190,000 $ 280 $ 398,323 $ 1,000 $ 589,603 Gross Unrealized Gains — — — 1 — 1 Gross Unrealized Losses — (13,579) — (56,585) (200) (70,364) Available-For-Sale Securities, — 176,421 280 341,739 800 519,240 Available-For-Sale Securities, 390,923 Securities in a Continuous Less than 12 Months $ — $ 14,914 $ — $ 11,262 $ — $ 26,176 12 Months or Longer — 161,506 — 330,190 800 492,496 Total $ — $ 176,420 $ — $ 341,452 $ 800 $ 518,672 Number of Securities in a — 25 — 154 1 180 Unrealized Losses on Securities Less than 12 Months $ — $ 86 $ — $ 317 $ — $ 403 12 Months or Longer — 13,493 — 56,268 200 69,961 Total $ — $ 13,579 $ — $ 56,585 $ 200 $ 70,364 Disaggregated Details: US Treasury Obligations, $ — US Treasury Obligations, — US Agency Obligations, $ 190,000 US Agency Obligations, 176,421 Local Municipal Obligations, $ 280 Local Municipal Obligations, 280 US Government Agency $ 7,416 US Government Agency 6,885 Government Sponsored Entity 390,907 Government Sponsored Entity 334,854 Corporate Trust Preferred Securities, at Amortized Cost $ 1,000 Corporate Trust Preferred Securities, at Fair Value 800 At September 30, 2024, there was no allowance for credit losses for the AFS debt securities portfolio. The following table is the schedule of Held-To-Maturity Securities at September 30, 2024, December 31, 2023 and September 30, 2023: Held-To-Maturity Securities State and Mortgage- Total September 30, 2024 Held-To-Maturity Securities, $ 96,275 $ 7,062 $ 103,337 Gross Unrealized Losses (1,205) (203) (1,408) Held-To-Maturity Securities, 95,070 6,859 101,929 Held-To-Maturity Securities, 82,532 Held-To-Maturity Securities, 81,123 Maturities of Debt Securities, Within One Year $ 52,575 $ — $ 52,575 From 1 - 5 Years 41,373 7,062 48,435 From 5 - 10 Years 2,321 — 2,321 Over 10 Years 6 — 6 Maturities of Debt Securities, Within One Year $ 52,224 $ — $ 52,224 From 1 - 5 Years 40,534 6,859 47,393 From 5 - 10 Years 2,306 — 2,306 Over 10 Years 6 — 6 Securities in a Continuous Less than 12 Months $ 175 $ — $ 175 12 Months or Longer 73,705 6,858 80,563 Total $ 73,880 $ 6,858 $ 80,738 Number of Securities in a 231 16 247 Unrealized Losses on Securities Less than 12 Months $ — $ — $ — 12 Months or Longer 1,205 203 1,408 Total $ 1,205 $ 203 $ 1,408 Disaggregated Details: Municipal Obligations, at Amortized Cost $ 96,275 Municipal Obligations, at Fair Value 95,070 US Government Agency $ 2,526 Held-To-Maturity Securities State and Mortgage- Total US Government Agency 2,445 Government Sponsored Entity 4,536 Government Sponsored Entity 4,414 December 31, 2023 Held-To-Maturity Securities, $ 122,450 $ 8,945 $ 131,395 Gross Unrealized Losses (2,157) (401) (2,558) Held-To-Maturity Securities, 120,293 8,544 128,837 Held-To-Maturity Securities, 115,030 Held-To-Maturity Securities, 112,472 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 Less than 12 Months $ 14 $ — $ 14 12 Months or Longer 2,143 402 2,545 Total $ 2,157 $ 402 $ 2,559 Disaggregated Details: Municipal Obligations, at Amortized Cost $ 122,450 Municipal Obligations, at Fair Value 120,293 US Government Agency $ 3,114 US Government Agency 2,954 Government Sponsored Entity 5,831 Government Sponsored Entity 5,589 Held-To-Maturity Securities State and Mortgage- Total September 30, 2023 Held-To-Maturity Securities, $ 131,017 $ 9,560 $ 140,577 Gross Unrealized Gains — — — Gross Unrealized Losses (5,204) (562) (5,766) Held-To-Maturity Securities, 125,813 8,998 134,811 Held-To-Maturity Securities, 117,723 Held-To-Maturity Securities, 111,957 Securities in a Continuous Less than 12 Months $ 1,575 $ — $ 1,575 12 Months or Longer 108,092 8,998 117,090 Total $ 109,667 $ 8,998 $ 118,665 Number of Securities in a 339 16 355 Unrealized Losses on Less than 12 Months $ 86 $ — $ 86 12 Months or Longer 5,118 562 5,680 Total $ 5,204 $ 562 $ 5,766 Disaggregated Details: Municipal Obligations, at Amortized Cost $ 131,017 Municipal Obligations, at Fair Value 125,813 US Government Agency $ 3,292 US Government Agency 3,075 Government Sponsored Entity 6,268 Government Sponsored Entity 5,923 In the tables above, maturities of mortgage-backed securities are included based on their contractual lives. Actual maturities will differ because issuers may have the right to call or prepay obligations with or without prepayment penalties. Arrow's investment policy requires that investments held in our portfolio be investment grade or better at the time of purchase. Arrow performs an analysis of the creditworthiness of municipal obligations to determine if a security is of investment grade. The analysis may include but may not solely rely upon credit analysis conducted by external credit rating agencies. Arrow evaluates AFS 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 non-credit-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 September 30, 2024, gross unrealized losses were 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 any securities before recovery of its amortized cost basis, which may be at maturity. Therefore, Arrow carried no allowance for credit loss at September 30, 2024 and there was no credit loss expense recognized by Arrow with respect to the securities portfolio during the three months ended September 30, 2024. Arrow's HTM debt securities are comprised of U.S. government-sponsored enterprises (GSEs) or state and municipal obligations. GSE 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 HTM debt portfolio was immaterial and therefore no allowance for credit loss was recorded as of September 30, 2024. The following table is the schedule of Equity Securities at September 30, 2024, December 31, 2023 and September 30, 2023: Equity Securities September 30, 2024 December 31, 2023 September 30, 2023 Equity Securities, at Fair Value $5,089 $1,925 $1,960 The following is a summary of realized and unrealized gains and losses recognized in income on equity securities during the three and nine month periods ended September 30, 2024 and 2023: For the Three Months Ended September 30, For the Nine Months Ended September 30, 2024 2023 2024 2023 Net Gain (Loss) on Equity Securities $ 94 $ 71 $ 165 $ (214) Less: Net gain recognized during the reporting period on equity securities sold during the period — — — — Unrealized net gain (loss) recognized during the reporting period on equity securities still held at the reporting date $ 94 $ 71 $ 165 $ (214)

Loans

Loans	9 Months Ended
	Sep. 30, 2024
Receivables [Abstract]
Loans	LOANS (In Thousands) Loan Categories and Past Due Loans The following two tables present loan balances outstanding as of September 30, 2024, December 31, 2023 and September 30, 2023 and an analysis of the recorded investment in loans that are past due at these dates. Generally, Arrow considers a loan past due 30 or more days when the borrower is two payments past due. Loans held-for-sale of $203, $165 and $165 as of September 30, 2024, December 31, 2023 and September 30, 2023, 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 September 30, 2024 Loans Past Due 30-59 Days $ 577 $ — $ 12,413 $ 382 $ 13,372 Loans Past Due 60-89 Days 160 323 4,716 1,688 6,887 Loans Past Due 90 or more Days 16 15,120 1,669 3,839 20,644 Total Loans Past Due 753 15,443 18,798 5,909 40,903 Current Loans 169,131 740,977 1,101,443 1,287,483 3,299,034 Total Loans $ 169,884 $ 756,420 $ 1,120,241 $ 1,293,392 $ 3,339,937 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 September 30, 2023 Loans Past Due 30-59 Days $ 247 $ 13,787 $ 11,864 $ 1,692 $ 27,590 Loans Past Due 60-89 Days 59 1,977 4,953 18 7,007 Loans Past Due 90 or more Days 3 — 1,504 3,271 4,778 Total Loans Past Due 309 15,764 18,321 4,981 39,375 Current Loans 147,757 718,840 1,089,316 1,143,329 3,099,242 Total Loans $ 148,066 $ 734,604 $ 1,107,637 $ 1,148,310 $ 3,138,617 Schedule of Non Accrual Loans by Category Commercial September 30, 2024 Commercial Real Estate Consumer Residential Total Loans 90 or More Days Past Due $ — $ — $ — $ 816 $ 816 Nonaccrual Loans 16 15,120 1,752 4,159 21,047 Nonaccrual With No Allowance for Credit Loss 16 15,120 1,752 4,159 21,047 Interest Income on Nonaccrual Loans — — — — — December 31, 2023 Loans 90 or More Days Past Due $ — $ — $ 6 $ 446 $ 452 Nonaccrual Loans 30 15,308 1,877 3,430 20,645 September 30, 2023 Loans 90 or More Days Past Due $ — $ — $ — $ 251 $ 251 Nonaccrual Loans 3 — 1,572 4,448 6,023 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. 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. 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. Arrow’s Commercial Real Estate loans are primarily located within the footprint of the Company’s branch network, with some loans extending into the greater upstate New York area. Arrow does not provide Commercial Real Estate loans in major metropolitan areas such as New York City, Boston, etc. 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. 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 September 30, 2024 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 a six-quarter economic forecast sourced from reputable third-parties that projects a negative change of approximately 0.25% in the forecasted national unemployment rate, forecasted gross domestic product projected to improve by approximately 0.07%, and the home price index (HPI) forecast to increase by approximately 0.20% from the previous quarter economic forecast. The overall change in the allowance from June 30, 2024 was primarily driven by the following factors: net loan growth contributed $335 thousand, changes in macro economic conditions reduced the allowance by $82 thousand, and net charge-offs of $681 thousand. The third quarter provision for credit losses was $934 thousand. In addition, Arrow recorded an increase for estimated credit losses on off-balance sheet credit exposures in other liabilities of $234 thousand in the third quarter of 2024. Management's evaluation considers the allowance for credit losses for loans to be appropriate as of September 30, 2024. The following table details activity in the allowance for credit losses on loans for the three and nine months ended September 30, 2024 and September 30, 2023: Allowance for Credit Losses Commercial Commercial Real Estate Consumer Residential Total June 30, 2024 $ 2,031 $ 14,111 $ 2,985 $ 11,882 $ 31,009 Charge-offs $ — $ — $ (1,388) $ (41) $ (1,429) Recoveries $ — $ — $ 748 $ — $ 748 Provision $ (133) $ (66) $ 296 $ 837 $ 934 September 30, 2024 $ 1,898 $ 14,045 $ 2,641 $ 12,678 $ 31,262 December 31, 2023 $ 1,958 $ 15,521 $ 2,566 $ 11,220 $ 31,265 Charge-offs $ (9) $ — $ (4,512) $ (41) $ (4,562) Recoveries $ — $ — $ 2,233 $ — $ 2,233 Provision $ (51) $ (1,476) $ 2,354 $ 1,499 $ 2,326 September 30, 2024 $ 1,898 $ 14,045 $ 2,641 $ 12,678 $ 31,262 June 30, 2023 $ 1,972 $ 15,697 $ 2,646 $ 10,855 $ 31,170 Charge-offs — — (1,204) — $ (1,204) Recoveries — — 792 — $ 792 Provision (139) (114) 301 306 $ 354 September 30, 2023 $ 1,833 $ 15,583 $ 2,535 $ 11,161 $ 31,112 December 31, 2022 $ 1,961 $ 15,213 $ 2,585 $ 10,193 $ 29,952 Charge-offs $ — $ — $ (3,806) $ (6) $ (3,812) Recoveries $ — $ — $ 2,116 $ — $ 2,116 Provision $ (128) $ 370 $ 1,640 $ 974 $ 2,856 September 30, 2023 $ 1,833 $ 15,583 $ 2,535 $ 11,161 $ 31,112 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 this allowance are reflected in other operating expenses within the non-interest expense category. As of September 30, 2024, the total unfunded commitment off-balance sheet credit exposure was $1.2 million. Individually Evaluated Loans All loans that exceed $250,000, which are on nonaccrual status, are evaluated on an individual basis. Arrow has a policy applicable to collateral dependent financial assets when the borrower is experiencing financial difficulty and the repayment is expected through the sale of the collateral. This policy 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 operation 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 September 30, 2024, there were six total relationships identified to be evaluated for loss on an individual basis which had an amortized cost basis of $17.3 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 September 30, 2024, December 31, 2023 and September 30, 2023: September 30, 2024 Collateral Type -Residential Real Estate Collateral Type - Commercial Real Estate Total Loans Commercial $ — $ — $ — Commercial Real Estate — 15,120 15,120 Consumer — — — Residential 2,143 — 2,143 Total $ 2,143 $ 15,120 $ 17,263 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 September 30, 2023 Collateral Type -Residential Real Estate Collateral Type - Commercial Real Estate Total Loans Commercial $ — $ — $ — Commercial Real Estate — — — Consumer — — — Residential 1,949 — 1,949 Total $ 1,949 $ — $ 1,949 Allowance for Credit Losses - Collectively and Individually Evaluated Commercial Commercial Real Estate Consumer Residential Total September 30, 2024 Ending Loan Balance - Collectively Evaluated $ 169,884 $ 741,300 $ 1,120,241 $ 1,291,249 $ 3,322,674 Allowance for Credit Losses - Loans Collectively Evaluated 1,898 14,045 2,641 12,678 31,262 Ending Loan Balance - Individually Evaluated — 15,120 — 2,143 17,263 Allowance for Credit Losses - Loans Individually Evaluated — — — — — 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 — — — — — September 30, 2023 Ending Loan Balance - Collectively Evaluated $ 148,066 $ 734,604 $ 1,107,637 $ 1,146,361 $ 3,136,668 Allowance for Credit Losses - Loans Collectively Evaluated 1,833 15,583 2,535 11,161 31,112 Ending Loan Balance - Individually Evaluated — — — 1,949 1,949 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. Arrow 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. Arrow considers the qualitative factors that are relevant 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 Modification In 2023 and the first three quarters of 2024, no loans met the criteria for disclosure as part of ASU 2022-02. Any modifications of loans were either immaterial in natural or were made for competitive purposes, i.e., the borrowers were not experiencing financial hardship. The following tables present credit quality indicators by total loans amortized cost basis by origination year as of September 30, 2024, December 31, 2023 and September 30, 2023: Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total September 30, 2024 2024 2023 2022 2021 2020 Prior Commercial: Risk rating Satisfactory $ 28,301 $ 46,534 $ 26,991 $ 18,424 $ 7,077 $ 19,200 $ 15,674 $ — $ 162,201 Special mention 38 80 220 — 87 1,200 1,683 — 3,308 Substandard — — — — — 3,063 1,312 — 4,375 Doubtful — — — — — — — — — Total Commercial Loans $ 28,339 $ 46,614 $ 27,211 $ 18,424 $ 7,164 $ 23,463 $ 18,669 $ — $ 169,884 Current-period gross charge-offs $ — $ — $ — $ — $ 9 $ — $ — $ — $ 9 Commercial Real Estate: Risk rating Satisfactory $ 49,229 $ 90,818 $ 137,343 $ 109,829 $ 117,259 $ 195,942 $ 3,543 $ — $ 703,963 Special mention — — 12,764 — — 11,003 — — 23,767 Substandard — 147 175 2,004 2,366 23,227 771 — 28,690 Doubtful — — — — — — — — — Total Commercial Real Estate Loans $ 49,229 $ 90,965 $ 150,282 $ 111,833 $ 119,625 $ 230,172 $ 4,314 $ — $ 756,420 Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Consumer: Risk rating Performing $ 298,014 $ 325,751 $ 270,669 $ 139,101 $ 58,060 $ 26,417 $ 477 $ — $ 1,118,489 Nonperforming 140 408 413 521 239 31 — — 1,752 Total Consumer Loans $ 298,154 $ 326,159 $ 271,082 $ 139,622 $ 58,299 $ 26,448 $ 477 $ — $ 1,120,241 Current-period gross charge-offs $ 1,125 $ 610 $ 1,365 $ 943 $ 278 $ 191 $ — $ — $ 4,512 Residential: Risk rating Performing $ 112,717 $ 178,789 $ 228,354 $ 184,861 $ 109,638 $ 343,929 $ 130,129 $ — $ 1,288,417 Nonperforming — 201 523 859 435 2,655 302 — 4,975 Total Residential Loans $ 112,717 $ 178,990 $ 228,877 $ 185,720 $ 110,073 $ 346,584 $ 130,431 $ — $ 1,293,392 Current-period gross charge-offs $ — $ — $ — $ — $ — $ 41 $ — $ — $ 41 Total Loans $ 488,439 $ 642,728 $ 677,452 $ 455,599 $ 295,161 $ 626,667 $ 153,891 $ — $ 3,339,937 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 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total September 30, 2023 2023 2022 2021 2020 2019 Prior Commercial: Risk rating Satisfactory $ 37,300 $ 36,456 $ 23,602 $ 10,622 $ 4,799 $ 21,459 $ 10,328 $ — $ 144,566 Special mention — — — 128 — — — — 128 Substandard — — — — 26 3,245 101 — 3,372 Doubtful — — — — — — — — — Total Commercial Loans $ 37,300 $ 36,456 $ 23,602 $ 10,750 $ 4,825 $ 24,704 $ 10,429 $ — $ 148,066 Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial Real Estate: Risk rating Satisfactory $ 57,761 $ 157,741 $ 106,128 $ 121,968 $ 41,827 $ 184,590 $ 2,035 $ — $ 672,050 Special mention — 3,123 — — — 4,150 — — 7,273 Substandard — 9,299 1,685 2,590 797 40,411 499 — 55,281 Doubtful — — — — — — — — — Total Commercial Real Estate Loans $ 57,761 $ 170,163 $ 107,813 $ 124,558 $ 42,624 $ 229,151 $ 2,534 $ — $ 734,604 Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Consumer: Risk rating Performing $ 322,084 $ 384,607 $ 216,234 $ 107,743 $ 53,646 $ 21,276 $ — $ — $ 1,105,590 Nonperforming 109 625 562 192 68 33 458 — 2,047 Total Consumer Loans $ 322,193 $ 385,232 $ 216,796 $ 107,935 $ 53,714 $ 21,309 $ 458 $ — $ 1,107,637 Current-period gross charge-offs $ 192 $ 915 $ 1,689 $ 477 $ 299 $ 234 $ — $ — $ 3,806 Residential: Risk rating Performing $ 106,267 $ 235,027 $ 191,780 $ 118,517 $ 76,518 $ 305,076 $ 108,098 $ — $ 1,141,283 Nonperforming — — 2,770 1,006 598 2,152 501 — 7,027 Total Residential Loans $ 106,267 $ 235,027 $ 194,550 $ 119,523 $ 77,116 $ 307,228 $ 108,599 $ — $ 1,148,310 Current-period gross charge-offs $ — $ — $ — $ — $ — $ 6 $ — $ — $ 6 Total Loans $ 523,521 $ 826,878 $ 542,761 $ 362,766 $ 178,279 $ 582,392 $ 122,020 $ — $ 3,138,617 For the purposes of the table above, nonperforming consumer and residential loans were those loans on nonaccrual status or were 90 days or more past due and still accruing interest. As of September 30, 2024, the amortized cost of consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process was $3.5 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 Arrow 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 nonaccrual; 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 loan losses. Commercial loans are generally evaluated on an annual basis depending on the size and complexity of the loan relationship, unless the credit related quality indicator falls to a level of "special mention" or below, when the loan is evaluated quarterly. The credit quality indicator is one of the factors used in assessing the level of incurred risk of loss in our commercial related loan portfolios.

Debt

Debt	9 Months Ended
	Sep. 30, 2024
Debt Disclosure [Abstract]
Debt	DEBT (Dollars in Thousands) Schedule of Borrowings: September 30, 2024 December 31, 2023 September 30, 2023 Balance: BTFP Advances $ 95,000 $ — 150,000 FHLBNY Overnight Advances — 20,000 10,000 FHLBNY Term Advances 8,600 6,500 14,300 Total Borrowings $ 103,600 $ 26,500 $ 174,300 Maximum Borrowing Capacity: Federal Funds Purchased $ 28,000 $ 28,000 $ 52,000 Federal Home Loan Bank of New York 595,234 576,602 607,596 Federal Reserve Bank of New York 868,693 738,511 722,493 Available Borrowing Capacity: Federal Funds Purchased $ 28,000 $ 28,000 $ 52,000 Federal Home Loan Bank of New York 556,634 550,102 449,296 Federal Reserve Bank of New York 773,693 738,511 722,493 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 September 30, 2024, the carrying cost for the FHLBNY collateral was approximately $890 million and approximately $1.1 billion for the FRB. As of September 30, 2024, the fair value for the FHLBNY collateral was approximately $755 million and approximately $1.1 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 FFRB and FHLB Stock in Note 4, Investment Securities, to the Consolidated Financial Statements). Arrow's bank subsidiaries have also established borrowing facilities with the FRB of New York for potential “discount window” advances, pledging certain consumer loans as collateral (see Note 5, Loans , to the Consolidated Financial Statements). Debt Maturities BTFP Advances - The BTFP was created to support American businesses and households by making additional funding available to eligible depository institutions to help assure banks have the ability to meet the needs of all their depositors. In the first quarter of 2024, Arrow borrowed $100 million pursuant to the BTFP. The BTFP advances were scheduled to mature in January 2025 and had a weighted average interest rate of 4.76%. Arrow paid down $5 million of the balance in the third quarter and replaced the remaining $95 million in the fourth quarter with lower cost brokered CDs. Maturity Schedule of FHLBNY Term Advances : Balances Weighted Average Rate 1 Final Maturity 9/30/2024 12/31/2023 9/30/2023 9/30/2024 12/31/2023 9/30/2023 First Year $ — $ 4,250 $ 7,800 — % 5.80 % 5.14 % Second Year 6,900 2,250 6,500 5.33 % 5.38 % 5.59 % Third Year — — — — % — % — % Fourth Year 1,700 — — 4.85 % — % — % Total $ 8,600 $ 6,500 $ 14,300 5.24 % 5.66 % 5.38 % 1. The effective rate on the FHLBNY Advances is 0% due to subsidized funding in the form of interest rate credits. Long Term Debt - Guaranteed Preferred Beneficial Interests in Corporation's Junior Subordinated Debentures At September 30, 2024, the Company had two classes of financial instruments issued by two separate subsidiary business trusts of Arrow, Arrow Capital Statutory Trust II ("ACST II") and Arrow Capital Statutory Trust III ("ACST III" and, together with ACST II, the "Trusts"), 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 September 30, 2024 was issued by 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 TRUPS"). The rate on the securities is variable, previously adjusting quarterly to the now discontinued 3-month London Inter-Bank Offered Rate ("LIBOR") plus 3.15%. Arrow designated the Secured Overnight Financing Rate ("SOFR") as the replacement index for financial instruments. The rate on the securities are tied to the 3-month SOFR plus 3.15% post-conversion. ACST II used the proceeds of the sale of the ACST II TRUPS 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 TRUPS. The ACST II TRUPS 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 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 TRUPS"). The rate on the ACST III TRUPS is a variable rate, adjusting quarterly to the 3-month SOFR plus 2.00%. The rate previously adjusted quarterly to the now discontinued 3-month LIBOR plus 2.00% pre-conversion. ACST III used the proceeds of the sale of the ACST III TRUPS 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 TRUPS. The ACST III TRUPS 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 attributable to the Trusts. These agreements are designated as cash flow hedges. The primary assets of 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 Trusts' 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 September 30, 2024, December 31, 2023, and September 30, 2023 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 September 30, 2024 December 31, 2023 September 30, 2023 ACST II Balance $ 10,000 $ 10,000 $ 10,000 Period End: Variable Interest Rate 8.02 % 8.74 % 8.81 % Fixed Interest Rate resulting from cash flow hedge agreement 4.00 % 4.00 % 4.00 % ACST III Balance $ 10,000 $ 10,000 $ 10,000 Period End: Variable Interest Rate 6.87 % 7.59 % 7.66 % Fixed Interest Rate resulting from cash flow hedge agreement 2.86 % 2.86 % 2.86 %

Commitments and Contingencies

Commitments and Contingencies	9 Months Ended
	Sep. 30, 2024
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	COMMITMENTS AND CONTINGENCIES (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 September 30, 2024, December 31, 2023 and September 30, 2023: Commitments to Extend Credit and Letters of Credit September 30, 2024 December 31, 2023 September 30, 2023 Notional Amount: Commitments to Extend Credit $ 487,106 $ 444,256 $ 464,661 Standby Letters of Credit 4,586 3,824 4,201 Fair Value: Commitments to Extend Credit $ — $ — $ — Standby Letters of Credit (14) — 10 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 not expected to be fully 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 commercial 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 September 30, 2024, December 31, 2023 and September 30, 2023 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. Arrow's 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 September 30, 2024, December 31, 2023 and September 30, 2023, 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. Except as noted below, Arrow, including its subsidiaries, 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. Legal expenses incurred in connection with loss contingencies are expensed as incurred. As previously disclosed in certain of the Company’s filings with the SEC, on June 23, 2023, Robert C. Ashe filed a putative class action complaint (the "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. On June 7, 2024, the parties reached a settlement (subject to court approval). The pending settlement will not have a material impact on the Company's financial results or position. On August 26, 2024, the court granted preliminary approval of the settlement and set a final approval hearing for January 10, 2025. On December 12, 2023 the Company became aware that Stephen Bull filed a complaint (the "Shareholder Derivative Complaint") 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 to adequately 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 an unjust enrichment theory, and (iii) an order directing the Company to take all necessary actions to reform and improve its corporate governance, and (iv) 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 as set forth in the Ashe Lawsuit. The parties are in active settlement negotiations while the case is currently stayed pending disposition of Ashe. Management does not expect a settlement to have a material impact on the Company's financial results or position.

Comprehensive Income

Comprehensive Income	9 Months Ended
	Sep. 30, 2024
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Comprehensive Income	COMPREHENSIVE INCOME (In Thousands) The following table presents the components of other comprehensive income (loss) for the three and nine month periods ended September 30, 2024 and 2023: Schedule of Comprehensive Income (Loss) Three Months Ended September 30 Nine Months Ended September 30 Tax Tax Before-Tax (Expense) Net-of-Tax Before-Tax (Expense) Net-of-Tax Amount Benefit Amount Amount Benefit Amount 2024 Net Unrealized Securities Holding Gain on Securities Available-for-Sale Arising During the Period $ 12,505 $ (3,223) $ 9,282 $ 11,457 $ (2,954) $ 8,503 Net Unrealized (Loss) on Cash Flow Swap (4,667) 1,203 (3,464) (766) 197 (569) Reclassification of Net Unrealized (Loss) on Cash Flow Hedge Agreements to Interest Expense (196) 50 (146) (624) 161 (463) Amortization of Net Retirement Plan Actuarial (Gain) (78) 20 (58) (235) 61 (174) Amortization of Net Retirement Plan Prior Service Cost 67 (17) 50 204 (53) 151 Other Comprehensive Income $ 7,631 $ (1,967) $ 5,664 $ 10,036 $ (2,588) $ 7,448 2023 Net Unrealized Securities Holding (Loss) on Securities Available-for-Sale Arising During the Period $ (7,796) $ 2,010 $ (5,786) $ (4,763) $ 1,227 $ (3,536) Net Unrealized Gain on Cash Flow Swap 846 (221) 625 125 (34) 91 Reclassification of Net Unrealized Gain on Cash Flow Hedge Agreements to Interest Expense 242 (61) 181 660 (169) 491 Amortization of Net Retirement Plan Actuarial (Gain) (40) 10 (30) (121) 31 (90) Amortization of Net Retirement Plan Prior Service Cost 51 (12) 39 154 (39) 115 Other Comprehensive (Loss) $ (6,697) $ 1,726 $ (4,971) $ (3,945) $ 1,016 $ (2,929) 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 Loss on Available-for-Sale Securities Unrealized Gain on Cash Flow Swap Defined Benefit Plan Items Total Net Actuarial Loss Net Prior Service Cost For the quarter-to-date periods ended: June 30, 2024 $ (32,427) $ 4,289 $ (2,955) $ (539) $ (31,632) Other comprehensive income or loss before reclassifications 9,282 (3,464) — — 5,818 Amounts reclassified from accumulated other comprehensive income or loss — (146) (58) 50 (154) Net current-period other comprehensive income or loss 9,282 (3,610) (58) 50 5,664 September 30, 2024 $ (23,145) $ 679 $ (3,013) $ (489) $ (25,968) June 30, 2023 $ (46,591) $ 3,830 $ (4,527) $ (325) $ (47,613) Other comprehensive income or loss before reclassifications (5,786) 625 — — (5,161) Amounts reclassified from accumulated other comprehensive income or loss — 181 (30) 39 190 Net current-period other comprehensive income or loss (5,786) 806 (30) 39 (4,971) September 30, 2023 $ (52,377) $ 4,636 $ (4,557) $ (286) $ (52,584) For the Year-To-Date periods ended: December 31, 2023 $ (31,648) $ 1,711 $ (2,839) $ (640) $ (33,416) Other comprehensive income or loss before reclassifications 8,503 (569) — — 7,934 Amounts reclassified from accumulated other comprehensive income or loss — (463) (174) 151 (486) Net current-period other comprehensive income or loss 8,503 (1,032) (174) 151 7,448 September 30, 2024 $ (23,145) $ 679 $ (3,013) $ (489) $ (25,968) December 31, 2022 $ (48,841) $ 4,054 $ (4,467) $ (401) $ (49,655) Other comprehensive income or loss before reclassifications (3,536) 91 — — (3,445) Amounts reclassified from accumulated other comprehensive income or loss — 491 (90) 115 516 Net current-period other comprehensive income or loss (3,536) 582 (90) 115 (2,929) September 30, 2023 $ (52,377) $ 4,636 $ (4,557) $ (286) $ (52,584) (1) All amounts are net of tax. The following table presents the reclassifications out of accumulated other comprehensive income or loss: Reclassifications Out of Accumulated Other Comprehensive Income or Loss Details about Accumulated Other Comprehensive Income or Loss Components Amounts Reclassified from Accumulated Other Comprehensive Income or Loss Affected Line Item in the Statement Where Net Income Is Presented For the quarter-to-date periods ended: September 30, 2024 Reclassification of Net Unrealized Loss on Cash Flow Hedge Agreements to Interest Expense $ 196 Interest expense Amortization of defined benefit pension items: Prior-service costs (67) (1) Salaries and Employee Benefits Actuarial gain 78 (1) Salaries and Employee Benefits 207 Total before Tax (53) Provision for Income Taxes Total reclassifications for the period $ 154 Net of Tax September 30, 2023 Reclassification of Net Unrealized (Gain) on Cash Flow Hedge Agreements to Interest Expense $ (242) Interest expense Amortization of defined benefit pension items: Prior-service costs $ (51) (1) Salaries and Employee Benefits Actuarial gain 40 (1) Salaries and Employee Benefits (253) Total before Tax 63 Provision for Income Taxes Total reclassifications for the period $ (190) Net of Tax For the Year-to-date periods ended: September 30, 2024 Reclassification of Net Unrealized Loss on Cash Flow Hedge Agreements to Interest Expense $ 624 Interest expense Amortization of defined benefit pension items: Prior-service costs (204) (1) Salaries and Employee Benefits Actuarial gain 235 (1) Salaries and Employee Benefits 655 Total before Tax (169) Provision for Income Taxes Total reclassifications for the period $ 486 Net of Tax September 30, 2023 Reclassification of Net Unrealized (Gain) on Cash Flow Hedge Agreements to Interest Expense $ (660) Interest expense Amortization of defined benefit pension items: Prior-service costs (154) (1) Salaries and Employee Benefits Actuarial gain 121 (1) Salaries and Employee Benefits (693) Total before Tax 177 Provision for Income Taxes Total reclassifications for the period $ (516) Net of Tax (1) These accumulated other comprehensive gain or loss components are included in the computation of net periodic pension cost.

Stock-Based Compensation

Stock-Based Compensation	9 Months Ended
	Sep. 30, 2024
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). Long Term Incentive Plan The Long Term Incentive Plan provides for the grant of incentive stock options, non-qualified stock options, restricted stock awards, restricted stock units, performance units and performance shares. The Compensation Committee of the Board of Directors administers the Long Term Incentive Plan. Restricted Stock Awards - In May 2024, the Company granted restricted stock awards which will generally vest over a four-year period. Unvested restricted stock will generally be forfeited if the recipient ceases to be employed by the Company, with limited exceptions. Grantees of restricted stock awards are entitled to receive all dividends and distributions declared and paid on restricted stock, or cash payments equivalent to such dividends or distributions, including those declared and paid during the vesting period. The following table summarizes information about restricted stock awards for the year to date period ended September 30, 2024: Restricted Stock Awards Outstanding at January 1, 2024 — Granted 22,230 Vested (412) Forfeited — Outstanding at September 30, 2024 21,818 The following table presents information on the amounts expensed related to restricted stock for the three and nine month periods ended September 30, 2024 and 2023: For the Three Months Ended September 30, For the Nine Months Ended September 30, 2024 2023 2024 2023 Amount expensed $ 33 $ — $ 54 $ — 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 to date period ended September 30, 2024: Shares Weighted Average Exercise Price Outstanding at January 1, 2024 305,308 $ 28.96 Exercised (8,620) 19.33 Forfeited (40,063) 28.47 Outstanding at September 30, 2024 256,625 29.36 Vested at Period-End 200,923 28.75 Expected to Vest 55,702 31.55 The following table presents information on the amounts expensed related to stock options for the three and nine month periods ended September 30, 2024 and 2023: For the Three Months Ended September 30, For the Nine Months Ended September 30, 2024 2023 2024 2023 Amount expensed $ (7) $ 24 $ 152 $ 196 The expense recorded during the third quarters of 2024 and 2023 reflect the reversal of previously recorded amounts related to forfeited stock options triggered by the departure of previous employees, including the prior President and CEO. Restricted Stock Units - Historically, the Company has granted restricted stock units which give 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 are no longer forfeitable. Vested units settle upon retirement, as defined in the Arrow retirement plan, 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. There were no restricted stock units outstanding at any time during the three or nine month periods ended September 30, 2024. The following table summarizes information about restricted stock unit activity for the nine month period ended September 30, 2023: Restricted Stock Units Weighted Average Grant Date Fair Value Non-vested at January 1, 2023 13,925 30.47 Granted 5,164 31.47 Vested (19,089) 30.74 Non-vested at September 30, 2023 — The following table presents information on the amounts expensed related to restricted stock units for the periods ended September 30, 2024 and 2023: For the Three Months Ended September 30, For the Nine Months Ended September 30, 2024 2023 2024 2023 Amount expensed $ — $ 246 $ — $ 321 Employee Stock Purchase Plan In April 2023, Arrow suspended the operation of the prior ESPP (the "Prior ESPP") as a result of the now resolved delay in filing the Annual Report on Form 10-K for the year ended December 31, 2022 (the "2022 Form 10-K") and the Quarterly Report on Form 10-Q for the quarter ended March 31, 2023 (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 a new ESPP intended to satisfy the requirements of Section 423 of the Internal Revenue Code, which was effective January 1, 2024 (the "Qualified ESPP"). Under the Qualified ESPP, the amount of the discount is 10% below market price. Under the Prior ESPP, the amount of the discount was 5% 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 Qualified ESPP is considered a compensatory plan. The Qualified ESPP was approved by Arrow shareholders at the annual meeting of shareholders on June 5, 2024. Employee Stock Ownership Plan Arrow maintains an ESOP, pursuant to which substantially all employees of Arrow and its subsidiaries are eligible to participate upon satisfaction of applicable service requirements. The Company may make, and historically has made, a cash contribution to the ESOP each year.

Retirement Benefit Plans

Retirement Benefit Plans	9 Months Ended
	Sep. 30, 2024
Retirement Benefits [Abstract]
Retirement Benefit Plans	RETIREMENT BENEFIT PLANS (Dollars in Thousands) Arrow sponsors qualified and non-qualified 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 first 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%. 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 The Employee Retirement Income Security Act (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, limited to a maximum of 5%. As of December 31, 2023, Arrow used 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 (the "SERP"). Segment interest rates of 5.50%, 5.76%, 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, GFNB amended the Arrow Financial Corporation Employees' Pension Plan (the "Plan"). The Plan change was adopted January 1, 2021 and the amendment was valued as of December 31, 2020. The Plan amendment was as follows: 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 • 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 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, GFNB amended the Arrow Financial Corporation Employees' SERP. The plan change was adopted January 1, 2021 and the amendment was valued as of December 31, 2020. The plan amendment provides a special adjustment to the monthly benefit payment for certain retirees. The plan amendment caused a $122,797 increase in the projected benefit obligation, creating a positive prior service cost which will be amortized over 12.5 years. Settlement accounting is required when lump sum payments during a fiscal year exceed that fiscal year's Service Cost plus Interest Cost components of the Net Periodic Pension Cost. For 2022, the sum of the Service Cost and Interest Cost was $3.3 million and the 2022 total lump sum payments exceeded that amount. The Plan therefore recognized in the 2022 Net Periodic Pension Cost a portion of the Unamortized Net (Gain)/Loss equal to the ratio of the projected benefit obligation for the participants that received a lump sum to the total projected benefit obligation. As of December 31, 2022, the Unamortized Net Loss prior to reflecting settlement accounting was $7.2 million. The ratio of the projected benefit obligation for participants that received a lump sum to the total projected benefit obligation was 8.06%. The effect of the settlement that was recognized in the 2022 Net Periodic Pension Cost was $577 thousand, which was fully reflected in the 2022 Net Periodic Pension Cost. Settlement accounting was not required for the the year ended December 31, 2023 or for the three- or nine-month periods ended September 30, 2024. The following tables provide the components of net periodic benefit costs for the three-month and nine-month periods ended September 30, 2024 and 2023: Employees' Select Executive Postretirement Pension Retirement Benefit Plan Plan Plans Net Periodic Benefit Cost For the Three Months Ended September 30, 2024: Service Cost 1 $ 423 $ 20 $ 11 Interest Cost (Benefit) 2 562 (157) 79 Expected Return on Plan Assets 2 (928) 237 — Amortization of Prior Service Cost 2 32 9 26 Amortization of Net Gain 2 — 6 (84) Net Periodic Cost $ 89 $ 115 $ 32 Plan Contributions During the Period $ — $ 127 $ 31 For the Three Months Ended September 30, 2023: Service Cost 1 $ 398 $ 143 $ 14 Interest Cost 2 524 85 82 Expected Return on Plan Assets 2 (854) — — Amortization of Prior Service Cost 2 16 9 26 Amortization of Net Loss (Gain) 2 30 18 (88) Net Periodic Cost $ 114 $ 255 $ 34 Plan Contributions During the Period $ — $ 99 $ 28 Net Periodic Benefit Cost For the Nine Months Ended September 30, 2024: Service Cost 1 $ 1,269 $ 59 $ 34 Interest Cost 2 1,682 3 239 Expected Return on Plan Assets 2 (2,783) 237 — Amortization of Prior Service Cost 2 98 29 77 Amortization of Net Loss (Gain) 2 — 18 (253) Net Periodic Cost $ 266 $ 346 $ 97 Plan Contributions During the Period $ — $ 382 $ 112 Estimated Future Contributions in the Current Fiscal Year $ — $ 127 $ 37 For the Nine Months Ended September 30, 2023: Service Cost 1 $ 1,195 $ 428 $ 42 Interest Cost 2 1,573 244 249 Expected Return on Plan Assets 2 (2,562) — — Amortization of Prior Service Cost 2 47 29 78 Amortization of Net Loss (Gain) 2 89 55 (265) Net Periodic Cost $ 342 $ 756 $ 104 Plan Contributions During the Period $ — $ 325 $ 75 Footnotes: 1. Included in Salaries and Employee Benefits on the Consolidated Statements of Income 2. Included in Other Operating Expense on the Consolidated Statements of Income

Earnings Per Common Share

Earnings Per Common Share	9 Months Ended
	Sep. 30, 2024
Earnings Per Share [Abstract]
Earnings Per Common Share	EARNINGS PER COMMON SHARE (In Thousands, Except Per Share Amounts) The following table presents a reconciliation of the numerator and denominator used in the calculation of basic and diluted earnings per common share (EPS) for periods ended September 30, 2024 and 2023. Earnings Per Share Three Months Ended Nine Months Ended September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Earnings Per Share - Basic: Net Income $ 8,975 $ 7,743 $ 25,239 $ 22,352 Weighted Average Shares - Basic 16,710 17,050 16,746 17,049 Earnings Per Share - Basic $ 0.54 $ 0.46 $ 1.51 $ 1.31 Earnings Per Share - Diluted: Net Income $ 8,975 $ 7,743 $ 25,239 $ 22,352 Weighted Average Shares - Basic 16,710 17,050 16,746 17,049 Dilutive Average Shares Attributable to Stock Options 32 — 26 — Weighted Average Shares - Diluted 16,742 17,050 16,772 17,049 Earnings Per Share - Diluted $ 0.53 $ 0.46 $ 1.50 $ 1.31

Fair Values

Fair Values	9 Months Ended
	Sep. 30, 2024
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 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 September 30, 2024, December 31, 2023 and September 30, 2023 were AFS securities, equity securities and derivatives. Arrow held no securities or liabilities for trading on such dates. 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 Quoted Prices Significant Other Significant Unobservable Inputs Fair Value of Assets and Liabilities Measured on a Recurring Basis: September 30, 2024 Assets: Securities Available-for Sale: U.S. Treasuries $ 50,024 $ — $ 50,024 $ — U.S. Government & Agency Obligations 141,350 — 141,350 $ — State and Municipal Obligations 240 — 240 — Mortgage-Backed Securities 244,496 — 244,496 — Corporate and Other Debt Securities 957 — 957 — Total Securities Available-for-Sale 437,067 — 437,067 — Equity Securities 5,089 2,987 2,102 — Total Securities Measured on a Recurring Basis 442,156 2,987 439,169 — Derivative Assets 15,198 — 15,198 — Total Measured on a Recurring Basis $ 457,354 $ 2,987 $ 454,367 $ — Liabilities: Derivative Liabilities 14,297 — 14,297 — Total Measured on a Recurring Basis $ 14,297 $ — $ 14,297 $ — Fair Value of Assets and Liabilities Measured on a Recurring and Nonrecurring Basis Fair Value Measurements at Reporting Date Using: 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 $ — September 30, 2023 Assets: Securities Available-for Sale: U.S. Government & Agency Obligations $ 176,421 $ — $ 176,421 $ — State and Municipal Obligations 280 — 280 — Mortgage-Backed Securities 341,739 — 341,739 — Corporate and Other Debt Securities 800 — 800 — Total Securities Available-for-Sale 519,240 — 519,240 — Equity Securities 1,960 — 1,960 — Total Securities Measured on a Recurring Basis 521,200 — 521,200 — Derivative Assets 8,860 — 8,860 — Total Measured on a Recurring Basis $ 530,060 $ — $ 530,060 $ — Liabilities: Derivative Liabilities 8,733 — 8,733 — Total Measured on a Recurring Basis $ 8,733 $ — $ 8,733 $ — Fair Value Quoted Prices Significant Other Significant Unobservable Inputs Gains (Losses) Recognized in Earnings Fair Value of Assets and Liabilities Measured on a Nonrecurring Basis: September 30, 2024 Collateral Dependent Evaluated Loans $ — $ — $ — $ — Other Real Estate Owned and Repossessed Assets, Net 399 — — 399 — December 31, 2023 Collateral Dependent Impaired Loans $ — $ — $ — $ — Other Real Estate Owned and Repossessed Assets, Net 312 — — 312 — September 30, 2023 Collateral Dependent Impaired Loans $ — $ — $ — $ — Other Real Estate Owned and Repossessed Assets, Net 526 — — 526 — 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). Fair Value Methodology for Assets and Liabilities Measured on a Recurring Basis The fair value of Level 1 AFS securities are based on unadjusted, quoted market prices from exchanges in active markets. The fair value of Level 2 AFS securities 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 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 evaluated 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 September 30, 2024, December 31, 2023 and September 30, 2023. Fair Value by Balance Sheet Grouping The following table presents a summary of the carrying amount, the fair value (exit price) or an amount approximating fair value and the fair value hierarchy of Arrow’s financial instruments: Schedule of Fair Values by Balance Sheet Grouping Fair Value Hierarchy Carrying Value Fair Value Level 1 Level 2 Level 3 September 30, 2024 Cash and Cash Equivalents $ 340,088 $ 340,088 $ 340,088 $ — $ — Securities Available-for-Sale 437,067 437,067 — 437,067 — Securities Held-to-Maturity 103,337 101,929 — 101,929 — Equity Securities 5,089 5,089 2,987 2,102 — Federal Home Loan Bank and Federal 4,352 4,352 — 4,352 — Net Loans 3,308,675 3,107,250 — — 3,107,250 Accrued Interest Receivable 12,492 12,492 — 12,492 — Derivative Assets 15,198 15,198 15,198 Deposits 3,837,457 3,834,428 — 3,834,428 — Borrowings 103,600 103,705 — 103,705 — Junior Subordinated Obligations Issued 20,000 20,000 — 20,000 — Accrued Interest Payable 7,468 7,468 — 7,468 — Derivative Liabilities 14,297 14,297 — 14,297 — 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 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 — September 30, 2023 Cash and Cash Equivalents $ 294,739 $ 294,739 $ 294,739 $ — $ — Securities Available-for-Sale 519,240 519,240 — 519,240 — Securities Held-to-Maturity 140,577 134,811 — 134,811 — Equity Securities 1,960 1,960 — 1,960 Federal Home Loan Bank and Federal 5,110 5,110 — 5,110 — Net Loans 3,107,505 2,867,016 — — 2,867,016 Accrued Interest Receivable 11,163 11,163 — 11,163 — Derivative Assets 8,860 8,860 — 8,860 — Deposits 3,666,485 3,660,360 — 3,660,360 — Borrowings 174,300 173,709 — 173,709 — Junior Subordinated Obligations Issued 20,000 20,000 — 20,000 — Accrued Interest Payable 7,432 7,432 — 7,432 — Derivative Liabilities 8,733 8,733 — 8,733 —

Leases

Leases	9 Months Ended
	Sep. 30, 2024
Leases [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 Arrow to pay third-party expenses on behalf of the Lessor, which are referred to as variable payments. Under some leases, Arrow pays the variable payments to the lessor, and in other leases, Arrow pays the variable payments directly to the applicable third party. None of Arrow's current leases include any residual value guarantees or any subleases, and there are no significant rights and obligations of Arrow 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. Additionally on June 14th, 2024, Arrow entered into a sale-leaseback agreement with Stewart’s Shops Corp. for a bank branch location. The sale price of the property was $1.1 million which resulted in a gain of $377 thousand. The lease agreement began in June 2024 and runs through May 2029, with rent totaling $5 thousand per month for the remainder of the lease. Mr. Gary C. Dake, President of Stewart’s Shops Corp., serves as a Director on the Board of Directors of Arrow and its two subsidiary banks. The following includes quantitative data related to Arrow's leases as of and for the nine months ended September 30, 2024 and September 30, 2023: Nine Months Ended Finance Lease Amounts: Classification September 30, 2024 September 30, 2023 Right-of-Use Assets Premises and Equipment, Net $ 4,327 $ 4,504 Lease Liabilities Finance Leases 5,022 5,080 Operating Lease Amounts: Right-of-Use Assets Other Assets $ 4,792 $ 4,978 Lease Liabilities Other Liabilities 5,007 5,179 Other Information: Cash Paid For Amounts Included In The Measurement Of Lease Liabilities: Operating Outgoing Cash Flows From Finance Leases $ 142 $ 143 Operating Outgoing Cash Flows From Operating Leases 471 781 Financing Outgoing Cash Flows From Finance Leases 44 39 Right-of-Use Assets Obtained In Exchange For New Finance Lease Liabilities — — Right-of-Use Assets Obtained In Exchange For New Operating Lease Liabilities 326 19 Weighted-average Remaining Lease Term - Finance Leases (Yrs.) 25.58 26.54 Weighted-average Remaining Lease Term - Operating Leases (Yrs.) 10.44 11.45 Weighted-average Discount Rate—Finance Leases 3.75 % 3.75 % Weighted-average Discount Rate—Operating Leases 3.37 % 3.01 % Lease cost information for Arrow's leases is as follows: Three Months Ended Nine Months Ended September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Lease Cost: Finance Lease Cost: Reduction of Right-of-Use Assets $ 44 $ 44 $ 132 $ 132 Interest on Lease Liabilities 47 46 142 143 Operating Lease Cost 203 195 597 786 Short-term Lease Cost 7 11 28 46 Variable Lease Cost 32 58 177 179 Total Lease Cost $ 333 $ 354 $ 1,076 $ 1,286 Future Lease Payments at September 30, 2024 are as follows: Operating Leases Financing Leases Twelve Months Ended: 9/30/2025 $ 796 $ 258 9/30/2026 715 268 9/30/2027 659 268 9/30/2028 549 268 9/30/2029 534 273 Thereafter 2,745 6,791 Total Undiscounted Cash Flows $ 5,998 $ 8,126 Less: Net Present Value Adjustment 991 3,104 Lease Liability $ 5,007 $ 5,022
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 Arrow to pay third-party expenses on behalf of the Lessor, which are referred to as variable payments. Under some leases, Arrow pays the variable payments to the lessor, and in other leases, Arrow pays the variable payments directly to the applicable third party. None of Arrow's current leases include any residual value guarantees or any subleases, and there are no significant rights and obligations of Arrow 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. Additionally on June 14th, 2024, Arrow entered into a sale-leaseback agreement with Stewart’s Shops Corp. for a bank branch location. The sale price of the property was $1.1 million which resulted in a gain of $377 thousand. The lease agreement began in June 2024 and runs through May 2029, with rent totaling $5 thousand per month for the remainder of the lease. Mr. Gary C. Dake, President of Stewart’s Shops Corp., serves as a Director on the Board of Directors of Arrow and its two subsidiary banks. The following includes quantitative data related to Arrow's leases as of and for the nine months ended September 30, 2024 and September 30, 2023: Nine Months Ended Finance Lease Amounts: Classification September 30, 2024 September 30, 2023 Right-of-Use Assets Premises and Equipment, Net $ 4,327 $ 4,504 Lease Liabilities Finance Leases 5,022 5,080 Operating Lease Amounts: Right-of-Use Assets Other Assets $ 4,792 $ 4,978 Lease Liabilities Other Liabilities 5,007 5,179 Other Information: Cash Paid For Amounts Included In The Measurement Of Lease Liabilities: Operating Outgoing Cash Flows From Finance Leases $ 142 $ 143 Operating Outgoing Cash Flows From Operating Leases 471 781 Financing Outgoing Cash Flows From Finance Leases 44 39 Right-of-Use Assets Obtained In Exchange For New Finance Lease Liabilities — — Right-of-Use Assets Obtained In Exchange For New Operating Lease Liabilities 326 19 Weighted-average Remaining Lease Term - Finance Leases (Yrs.) 25.58 26.54 Weighted-average Remaining Lease Term - Operating Leases (Yrs.) 10.44 11.45 Weighted-average Discount Rate—Finance Leases 3.75 % 3.75 % Weighted-average Discount Rate—Operating Leases 3.37 % 3.01 % Lease cost information for Arrow's leases is as follows: Three Months Ended Nine Months Ended September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Lease Cost: Finance Lease Cost: Reduction of Right-of-Use Assets $ 44 $ 44 $ 132 $ 132 Interest on Lease Liabilities 47 46 142 143 Operating Lease Cost 203 195 597 786 Short-term Lease Cost 7 11 28 46 Variable Lease Cost 32 58 177 179 Total Lease Cost $ 333 $ 354 $ 1,076 $ 1,286 Future Lease Payments at September 30, 2024 are as follows: Operating Leases Financing Leases Twelve Months Ended: 9/30/2025 $ 796 $ 258 9/30/2026 715 268 9/30/2027 659 268 9/30/2028 549 268 9/30/2029 534 273 Thereafter 2,745 6,791 Total Undiscounted Cash Flows $ 5,998 $ 8,126 Less: Net Present Value Adjustment 991 3,104 Lease Liability $ 5,007 $ 5,022

Derivative Instruments and Hedg

Derivative Instruments and Hedging Activities	9 Months Ended
	Sep. 30, 2024
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's goal is to have a matched book with respect to its derivative instruments in order to minimize its net risk exposure resulting from such transactions. Derivatives Not Designated as Hedging Instruments Arrow enters into interest rate swap agreements with its commercial customers to provide them with a long-term fixed rate, while simultaneously entering into offsetting interest rate swap agreements with a counterparty to swap the fixed rate to a variable rate to manage interest rate exposure. These interest rate swap agreements are not designated as a hedge for accounting purposes. As the interest rate swap agreements have substantially equivalent and offsetting terms, they do not present material interest rate 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 September 30, 2024 December 31, 2023 September 30, 2023 Fair value adjustment included in other assets $ 4,153 $ 6,208 $ 8,733 Fair value adjustment included in other liabilities 4,153 6,208 8,733 Notional amount 105,935 123,197 124,350 Derivatives Designated as Hedging Instruments Arrow entered into two pay-fixed portfolio layer method ("PLM") 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 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 September 30, 2024 December 31, 2023 September 30, 2023 Fair value adjustment included in other assets $ — $ — $ 885 Fair value adjustment included in other liabilities 6,541 5,678 — Notional amount 300,000 300,000 300,000 The following table summarizes the effect of the fair value hedging relationship recognized on the unaudited interim consolidated statement of income: Derivatives Designated as Hedging Instruments - Fair Value Agreements Nine Months Ended Twelve Months Ended Nine Months Ended September 30, 2024 December 31, 2023 September 30, 2023 Hedged Asset $ 6,544 $ 5,849 $ (758) Fair value derivative designated as hedging instrument (6,541) (5,828) 885 Total (loss) gain recognized in the consolidated statements of income with interest and fees on loans 3 21 127 The following table represents the carrying value of the PLM 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 September 30, 2024 December 31, 2023 September 30, 2023 Carrying Value of Portfolio Layer Method Hedged Asset $ 306,544 $ 305,849 $ 299,242 Cumulative Fair Value Hedging Adjustment 6,544 5,849 (758) In the third quarter of 2024, Arrow entered into a forward interest rate swaps agreement which will commence in the first quarter of 2025, 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 amount is $125 million and will synthetically fix the variable rate interest payments. The effective fixed rate is 3.29% until maturity. Arrow entered into pay-fixed interest rate swaps to convert rolling 90 days brokered deposits. The funding will serve as the long-term replacement of the BTFP borrowings at 4.76%, which were replaced with brokered CDs in the fourth quarter at a rate of 4.70%. 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 Nine Months Ended Twelve Months Ended Nine Months Ended September 30, 2024 December 31, 2023 September 30, 2023 Fair value adjustment included in other liabilities $ 287 $ — $ — Amount of (loss) recognized in AOCI (287) — — Amount of loss reclassified from AOCI interest expense — — — 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 that qualify as cash flow hedges of interest rate risk, the gain or loss on the derivative is recorded in 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 Nine Months Ended Twelve Months Ended Nine Months Ended September 30, 2024 December 31, 2023 September 30, 2023 Fair value adjustment included in other liabilities $ 3,316 $ 2,710 $ — Amount of gain (loss) recognized in AOCI 747 (2,553) — Amount of gain reclassified from AOCI interest expense 1,353 157 — In 2019, Arrow 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 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 Nine Months Ended Twelve Months Ended Nine Months Ended September 30, 2024 December 31, 2023 September 30, 2023 Fair value adjustment included in other assets $ 4,501 $ 4,998 $ 6,230 Amount of (loss) gain recognized in AOCI (1,226) (1,355) 125 Amount of loss reclassified from AOCI to interest expense 729 907 660 For derivatives that qualify as cash flow hedges of interest rate risk, the gain or loss on the derivative is recorded in AOCI and subsequently reclassified into interest expense in the same period during which the hedge transaction affects earnings.

Branch Acquisition

Branch Acquisition	9 Months Ended
	Sep. 30, 2024
Business Combination, Asset Acquisition, and Joint Venture Formation [Abstract]
Branch Acquisition	BRANCH ACQUISITION (In Thousands) On August 2, 2024 GFNB completed the previously announced acquisition of the Whitehall Branch. The Whitehall Branch assets acquired consisted primarily of loans, as well as branch premises and substantially all of the personal property and equipment used in the operation of the Whitehall Branch. Goodwill of $1,510 was recognized, reflecting in large part the cost (external/internal) and time savings of not having to build out and establish a new branch and being able to benefit from already existing customer relationships. The fair value of intangible assets acquired, primarily core deposit intangibles, was $955. The liabilities assumed from the Whitehall Branch acquisition were primarily deposits. The following table summarizes the amount of the consideration received for the Whitehall Branch and the amounts of assets acquired and liabilities assumed recognized at the acquisition date. Total consideration received $ 32,307 Total assets acquired $ 3,866 Total liabilities assumed $ (37,683) Total Fair Value of Identifiable Net Assets $ (33,817) Goodwill $ 1,510

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Pay vs Performance Disclosure
Net Income	$ 8,975	$ 7,743	$ 25,239	$ 22,352

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Sep. 30, 2024
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

Accounting Policies (Policies)

Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2024
Accounting Policies [Abstract]
Recently Issued Accounting Standards	Recently Issued Accounting Standards In March 2020, the FASB issued ASU 2020-04, "Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting." On January 7, 2021, the FASB issued ASU 2021-01, which refines the scope of ASC 848 and clarifies some of its guidance. The ASU and related amendments provide temporary optional expedients and exceptions to the existing guidance for applying GAAP to affected contract modifications and hedge accounting relationships in the transition away from the LIBOR or other interbank offered rate on financial reporting. The guidance also allows a one-time election to sell and/or reclassify to AFS or trading HTM debt securities that reference an interest rate affected by reference rate reform. The amendments in this ASU are effective March 12, 2020 through December 31, 2022 and permit relief solely for reference rate reform actions and different elections over the effective date for legacy and new activity. In December 2022, FASB issued ASU 2022-06, "Reference Rate Reform (Topic 848)" which deferred the sunset date of Topic 848 to December 31, 2024, to allow for a transition period after the sunset of LIBOR. Arrow does not expect ASU 2022-06 will have a material impact on its consolidated financial statements. In November 2023, the FASB issued ASU No. 2023-07, Segment Reporting: Improvements to Reportable Segment Disclosures. This ASU amends FASB Topic 280 to permit the disclosure of multiple measures of a segment's profit or loss, and requires an entity with a single reportable segment to apply FASB Topic 280 in its entirety. In addition, this ASU requires new segment disclosures. Arrow does not expect this new standard will have a material impact on the consolidated financial statements. In December 2023, the FASB issued ASU 2023-09,1 which establishes new income tax disclosure requirements in addition to modifying and eliminating certain existing requirements. Under the new guidance, entities must consistently categorize and provide greater disaggregation of information in the rate reconciliation. They must also further disaggregate income taxes paid. Arrow does not expect this new standard will have a material impact on the consolidated financial statements.
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 (GAAP) 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. Management utilized estimates and assumptions in its evaluation of potential impairment of Arrow's right-of-use lease assets, goodwill and intangible assets. Our most significant estimate is the allowance for credit losses. Other estimates include the fair value of financial instruments, evaluation of pension and other post-retirement liabilities, an analysis of a need for a valuation allowance for deferred tax assets and a reserve for unfunded loan commitments recorded as an other liability. Actual results could differ from those estimates. A material estimate that is particularly susceptible to significant change in the near term is the allowance for credit losses. In connection with the determination of the allowance for credit losses management obtains economic forecasts from reliable sources and appraisals for properties. The allowance for credit losses is management’s best estimate of the life of loan losses as of the balance sheet date. While management uses available information to recognize losses on loans, future adjustments to the allowance for credit losses may be necessary based on changes in economic conditions.
Allowance for Credit Losses	Allowance for Credit Losses – Loans - Accounting Standards Update (ASU) 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments (CECL) approach requires an estimate of the credit losses expected over the life of a loan (or pool of loans). It replaces the incurred loss approach’s threshold that required the recognition of a credit loss when it was probable that a loss event was incurred. The allowance for credit losses is a valuation account that is deducted from, or added to, the loans’ amortized cost basis to present the net lifetime amount expected to be collected on the loans. Credit losses are charged off against the allowance when management believes a loan balance is confirmed to be uncollectible. Expected recoveries do not exceed the aggregate of amounts previously charged off and expected to be charged off. Management estimates the allowance using relevant available information from internal and external sources related to past events, current conditions, and a reasonable and supportable single economic forecast. Historical credit loss experience provides the basis for the estimation of expected credit losses. Arrow's historical loss experience is supplemented with peer information when there is insufficient loss data for Arrow. Peer selection is 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. 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 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 Case-Shiller U.S. National 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 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 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 the repayment of a collateral dependent financial asset is expected to be provided substantially through the operation 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. As part of ASU No. 2022-02, Arrow evaluates whether the modification represents a new loan or a continuation of an existing loan, consistent with the current GAAP treatment for other loan modifications. In addition, Arrow evaluates and if necessary, discloses if loan modifications made to borrowers experiencing financial difficulty contain a financial concession. 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 non-interest 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 Arrow 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 - Arrow has 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 its policy to write off accrued interest receivable by reversing interest income. For loans, write off typically occurs upon becoming over 90 to 120 days past due and therefore the amount of such write offs are immaterial. Historically, Arrow has not experienced uncollectible accrued interest receivable on investment securities. Allowance for 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. Arrow's HTM debt securities are comprised of U.S. government-sponsored enterprises (GSEs) or state and municipal obligations. GSE 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. 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 - Arrow's AFS debt securities are comprised of U.S. Treasuries, U.S. Government & Agency Obligations, State and Municipal Obligations, Mortgage-Backed Securities and Corporate and Other 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, Arrow 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 ("FRB") 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 ("FHLBNY") continues to pay dividends and repurchase stock. As such, the Company has not recognized any impairment on its holdings of FRB and FHLB stock.

Cash and Cash Equivalents (Tabl

Cash and Cash Equivalents (Tables)	9 Months Ended
	Sep. 30, 2024
Cash and Cash Equivalents [Abstract]
Schedule of Cash and Cash Equivalents	The following table is the schedule of Cash and Cash Equivalents at September 30, 2024, December 31, 2023 and September 30, 2023: September 30, 2024 December 31, 2023 September 30, 2023 Cash and Due From Banks $ 53,969 $ 36,755 $ 39,778 Interest-bearing Deposits at Banks 286,119 105,781 254,961 Total Cash and Cash Equivalents $ 340,088 142,536 294,739
Restrictions on Cash and Cash Equivalents	The following table is the schedule of Cash and Cash Equivalents at September 30, 2024, December 31, 2023 and September 30, 2023: September 30, 2024 December 31, 2023 September 30, 2023 Cash and Due From Banks $ 53,969 $ 36,755 $ 39,778 Interest-bearing Deposits at Banks 286,119 105,781 254,961 Total Cash and Cash Equivalents $ 340,088 142,536 294,739

Investment Securities (Tables)

Investment Securities (Tables)	9 Months Ended
	Sep. 30, 2024
Investments, Debt and Equity Securities [Abstract]
Debt Securities, Available-For-Sale	The following table is the schedule of Available-For-Sale Securities at September 30, 2024, December 31, 2023 and September 30, 2023: Available-For-Sale Securities U.S. Treasuries U.S. Government & Agency State and Mortgage- Corporate Total September 30, 2024 Available-For-Sale Securities, $ 49,795 $ 145,000 $ 240 $ 272,008 $ 1,000 $ 468,043 Gross Unrealized Gains 229 58 — 33 — 320 Gross Unrealized Losses — (3,708) — (27,545) (43) (31,296) Available-For-Sale Securities, 50,024 141,350 240 244,496 957 437,067 Available-For-Sale Securities, 332,430 Maturities of Debt Securities, Within One Year $ 24,846 $ 60,000 $ — $ 2,012 $ — $ 86,858 From 1 - 5 Years 24,949 85,000 — 170,711 1,000 281,660 From 5 - 10 Years — — 240 99,285 — 99,525 Over 10 Years — — — — — — Maturities of Debt Securities, Within One Year $ 24,865 $ 59,319 $ — $ 1,985 $ — $ 86,169 From 1 - 5 Years 25,159 82,031 — 156,934 957 265,081 From 5 - 10 Years — — 240 85,577 — 85,817 Over 10 Years — — — — — — Securities in a Continuous Less than 12 Months $ — $ — $ — $ — $ — $ — 12 Months or Longer — 126,292 — 238,220 957 365,469 Total $ — $ 126,292 $ — $ 238,220 $ 957 $ 365,469 Number of Securities in a — 17 — 91 1 109 Unrealized Losses on Less than 12 Months $ — $ — $ — $ — $ — $ — 12 Months or Longer — 3,708 — 27,545 43 31,296 Total $ — $ 3,708 $ — $ 27,545 $ 43 $ 31,296 Disaggregated Details: US Treasuries, $ 49,795 US Treasuries, 50,024 US Agency Obligations, $ 145,000 US Agency Obligations, 141,350 Local Municipal Obligations, $ 240 Local Municipal Obligations, 240 US Government Agency $ 6,908 Available-For-Sale Securities U.S. Treasuries U.S. Government & Agency State and Mortgage- Corporate Total US Government Agency 6,690 Government Sponsored Entity 265,100 Government Sponsored Entity 237,806 Corporate Trust Preferred Securities, at Amortized Cost $ 1,000 Corporate Trust Preferred Securities, at Fair Value 957 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 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 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 Treasuries, $ 73,761 US Treasuries, 74,004 US Agency Obligations, $ 160,000 US Agency Obligations, 152,925 Local Municipal Obligations, $ 280 Local Municipal Obligations, 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 Available-For-Sale Securities U.S. Treasuries U.S. Government & Agency State and Mortgage- Corporate Total Corporate Trust Preferred Securities, at Fair Value 800 September 30, 2023 Available-For-Sale Securities, $ — $ 190,000 $ 280 $ 398,323 $ 1,000 $ 589,603 Gross Unrealized Gains — — — 1 — 1 Gross Unrealized Losses — (13,579) — (56,585) (200) (70,364) Available-For-Sale Securities, — 176,421 280 341,739 800 519,240 Available-For-Sale Securities, 390,923 Securities in a Continuous Less than 12 Months $ — $ 14,914 $ — $ 11,262 $ — $ 26,176 12 Months or Longer — 161,506 — 330,190 800 492,496 Total $ — $ 176,420 $ — $ 341,452 $ 800 $ 518,672 Number of Securities in a — 25 — 154 1 180 Unrealized Losses on Securities Less than 12 Months $ — $ 86 $ — $ 317 $ — $ 403 12 Months or Longer — 13,493 — 56,268 200 69,961 Total $ — $ 13,579 $ — $ 56,585 $ 200 $ 70,364 Disaggregated Details: US Treasury Obligations, $ — US Treasury Obligations, — US Agency Obligations, $ 190,000 US Agency Obligations, 176,421 Local Municipal Obligations, $ 280 Local Municipal Obligations, 280 US Government Agency $ 7,416 US Government Agency 6,885 Government Sponsored Entity 390,907 Government Sponsored Entity 334,854 Corporate Trust Preferred Securities, at Amortized Cost $ 1,000 Corporate Trust Preferred Securities, at Fair Value 800
Held-To-Maturity Securities	The following table is the schedule of Held-To-Maturity Securities at September 30, 2024, December 31, 2023 and September 30, 2023: Held-To-Maturity Securities State and Mortgage- Total September 30, 2024 Held-To-Maturity Securities, $ 96,275 $ 7,062 $ 103,337 Gross Unrealized Losses (1,205) (203) (1,408) Held-To-Maturity Securities, 95,070 6,859 101,929 Held-To-Maturity Securities, 82,532 Held-To-Maturity Securities, 81,123 Maturities of Debt Securities, Within One Year $ 52,575 $ — $ 52,575 From 1 - 5 Years 41,373 7,062 48,435 From 5 - 10 Years 2,321 — 2,321 Over 10 Years 6 — 6 Maturities of Debt Securities, Within One Year $ 52,224 $ — $ 52,224 From 1 - 5 Years 40,534 6,859 47,393 From 5 - 10 Years 2,306 — 2,306 Over 10 Years 6 — 6 Securities in a Continuous Less than 12 Months $ 175 $ — $ 175 12 Months or Longer 73,705 6,858 80,563 Total $ 73,880 $ 6,858 $ 80,738 Number of Securities in a 231 16 247 Unrealized Losses on Securities Less than 12 Months $ — $ — $ — 12 Months or Longer 1,205 203 1,408 Total $ 1,205 $ 203 $ 1,408 Disaggregated Details: Municipal Obligations, at Amortized Cost $ 96,275 Municipal Obligations, at Fair Value 95,070 US Government Agency $ 2,526 Held-To-Maturity Securities State and Mortgage- Total US Government Agency 2,445 Government Sponsored Entity 4,536 Government Sponsored Entity 4,414 December 31, 2023 Held-To-Maturity Securities, $ 122,450 $ 8,945 $ 131,395 Gross Unrealized Losses (2,157) (401) (2,558) Held-To-Maturity Securities, 120,293 8,544 128,837 Held-To-Maturity Securities, 115,030 Held-To-Maturity Securities, 112,472 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 Less than 12 Months $ 14 $ — $ 14 12 Months or Longer 2,143 402 2,545 Total $ 2,157 $ 402 $ 2,559 Disaggregated Details: Municipal Obligations, at Amortized Cost $ 122,450 Municipal Obligations, at Fair Value 120,293 US Government Agency $ 3,114 US Government Agency 2,954 Government Sponsored Entity 5,831 Government Sponsored Entity 5,589 Held-To-Maturity Securities State and Mortgage- Total September 30, 2023 Held-To-Maturity Securities, $ 131,017 $ 9,560 $ 140,577 Gross Unrealized Gains — — — Gross Unrealized Losses (5,204) (562) (5,766) Held-To-Maturity Securities, 125,813 8,998 134,811 Held-To-Maturity Securities, 117,723 Held-To-Maturity Securities, 111,957 Securities in a Continuous Less than 12 Months $ 1,575 $ — $ 1,575 12 Months or Longer 108,092 8,998 117,090 Total $ 109,667 $ 8,998 $ 118,665 Number of Securities in a 339 16 355 Unrealized Losses on Less than 12 Months $ 86 $ — $ 86 12 Months or Longer 5,118 562 5,680 Total $ 5,204 $ 562 $ 5,766 Disaggregated Details: Municipal Obligations, at Amortized Cost $ 131,017 Municipal Obligations, at Fair Value 125,813 US Government Agency $ 3,292 US Government Agency 3,075 Government Sponsored Entity 6,268 Government Sponsored Entity 5,923
Debt Securities, Trading, and Equity Securities, FV-NI	The following table is the schedule of Equity Securities at September 30, 2024, December 31, 2023 and September 30, 2023: Equity Securities September 30, 2024 December 31, 2023 September 30, 2023 Equity Securities, at Fair Value $5,089 $1,925 $1,960
Unrealized Gain (Loss) on Investments	The following is a summary of realized and unrealized gains and losses recognized in income on equity securities during the three and nine month periods ended September 30, 2024 and 2023: For the Three Months Ended September 30, For the Nine Months Ended September 30, 2024 2023 2024 2023 Net Gain (Loss) on Equity Securities $ 94 $ 71 $ 165 $ (214) Less: Net gain recognized during the reporting period on equity securities sold during the period — — — — Unrealized net gain (loss) recognized during the reporting period on equity securities still held at the reporting date $ 94 $ 71 $ 165 $ (214)

Loans (Tables)

Loans (Tables)	9 Months Ended
	Sep. 30, 2024
Receivables [Abstract]
Past Due Financing Receivables	The following two tables present loan balances outstanding as of September 30, 2024, December 31, 2023 and September 30, 2023 and an analysis of the recorded investment in loans that are past due at these dates. Generally, Arrow considers a loan past due 30 or more days when the borrower is two payments past due. Loans held-for-sale of $203, $165 and $165 as of September 30, 2024, December 31, 2023 and September 30, 2023, 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 September 30, 2024 Loans Past Due 30-59 Days $ 577 $ — $ 12,413 $ 382 $ 13,372 Loans Past Due 60-89 Days 160 323 4,716 1,688 6,887 Loans Past Due 90 or more Days 16 15,120 1,669 3,839 20,644 Total Loans Past Due 753 15,443 18,798 5,909 40,903 Current Loans 169,131 740,977 1,101,443 1,287,483 3,299,034 Total Loans $ 169,884 $ 756,420 $ 1,120,241 $ 1,293,392 $ 3,339,937 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 September 30, 2023 Loans Past Due 30-59 Days $ 247 $ 13,787 $ 11,864 $ 1,692 $ 27,590 Loans Past Due 60-89 Days 59 1,977 4,953 18 7,007 Loans Past Due 90 or more Days 3 — 1,504 3,271 4,778 Total Loans Past Due 309 15,764 18,321 4,981 39,375 Current Loans 147,757 718,840 1,089,316 1,143,329 3,099,242 Total Loans $ 148,066 $ 734,604 $ 1,107,637 $ 1,148,310 $ 3,138,617 Schedule of Non Accrual Loans by Category Commercial September 30, 2024 Commercial Real Estate Consumer Residential Total Loans 90 or More Days Past Due $ — $ — $ — $ 816 $ 816 Nonaccrual Loans 16 15,120 1,752 4,159 21,047 Nonaccrual With No Allowance for Credit Loss 16 15,120 1,752 4,159 21,047 Interest Income on Nonaccrual Loans — — — — — December 31, 2023 Loans 90 or More Days Past Due $ — $ — $ 6 $ 446 $ 452 Nonaccrual Loans 30 15,308 1,877 3,430 20,645 September 30, 2023 Loans 90 or More Days Past Due $ — $ — $ — $ 251 $ 251 Nonaccrual Loans 3 — 1,572 4,448 6,023
Allowance for Credit Losses on Financing Receivables	The following table details activity in the allowance for credit losses on loans for the three and nine months ended September 30, 2024 and September 30, 2023: Allowance for Credit Losses Commercial Commercial Real Estate Consumer Residential Total June 30, 2024 $ 2,031 $ 14,111 $ 2,985 $ 11,882 $ 31,009 Charge-offs $ — $ — $ (1,388) $ (41) $ (1,429) Recoveries $ — $ — $ 748 $ — $ 748 Provision $ (133) $ (66) $ 296 $ 837 $ 934 September 30, 2024 $ 1,898 $ 14,045 $ 2,641 $ 12,678 $ 31,262 December 31, 2023 $ 1,958 $ 15,521 $ 2,566 $ 11,220 $ 31,265 Charge-offs $ (9) $ — $ (4,512) $ (41) $ (4,562) Recoveries $ — $ — $ 2,233 $ — $ 2,233 Provision $ (51) $ (1,476) $ 2,354 $ 1,499 $ 2,326 September 30, 2024 $ 1,898 $ 14,045 $ 2,641 $ 12,678 $ 31,262 June 30, 2023 $ 1,972 $ 15,697 $ 2,646 $ 10,855 $ 31,170 Charge-offs — — (1,204) — $ (1,204) Recoveries — — 792 — $ 792 Provision (139) (114) 301 306 $ 354 September 30, 2023 $ 1,833 $ 15,583 $ 2,535 $ 11,161 $ 31,112 December 31, 2022 $ 1,961 $ 15,213 $ 2,585 $ 10,193 $ 29,952 Charge-offs $ — $ — $ (3,806) $ (6) $ (3,812) Recoveries $ — $ — $ 2,116 $ — $ 2,116 Provision $ (128) $ 370 $ 1,640 $ 974 $ 2,856 September 30, 2023 $ 1,833 $ 15,583 $ 2,535 $ 11,161 $ 31,112 The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of September 30, 2024, December 31, 2023 and September 30, 2023: September 30, 2024 Collateral Type -Residential Real Estate Collateral Type - Commercial Real Estate Total Loans Commercial $ — $ — $ — Commercial Real Estate — 15,120 15,120 Consumer — — — Residential 2,143 — 2,143 Total $ 2,143 $ 15,120 $ 17,263 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 September 30, 2023 Collateral Type -Residential Real Estate Collateral Type - Commercial Real Estate Total Loans Commercial $ — $ — $ — Commercial Real Estate — — — Consumer — — — Residential 1,949 — 1,949 Total $ 1,949 $ — $ 1,949 Allowance for Credit Losses - Collectively and Individually Evaluated Commercial Commercial Real Estate Consumer Residential Total September 30, 2024 Ending Loan Balance - Collectively Evaluated $ 169,884 $ 741,300 $ 1,120,241 $ 1,291,249 $ 3,322,674 Allowance for Credit Losses - Loans Collectively Evaluated 1,898 14,045 2,641 12,678 31,262 Ending Loan Balance - Individually Evaluated — 15,120 — 2,143 17,263 Allowance for Credit Losses - Loans Individually Evaluated — — — — — 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 — — — — — September 30, 2023 Ending Loan Balance - Collectively Evaluated $ 148,066 $ 734,604 $ 1,107,637 $ 1,146,361 $ 3,136,668 Allowance for Credit Losses - Loans Collectively Evaluated 1,833 15,583 2,535 11,161 31,112 Ending Loan Balance - Individually Evaluated — — — 1,949 1,949 Allowance for Credit Losses - Loans Individually Evaluated — — — — —
Financing Receivable Credit Quality Indicators	The following tables present credit quality indicators by total loans amortized cost basis by origination year as of September 30, 2024, December 31, 2023 and September 30, 2023: Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total September 30, 2024 2024 2023 2022 2021 2020 Prior Commercial: Risk rating Satisfactory $ 28,301 $ 46,534 $ 26,991 $ 18,424 $ 7,077 $ 19,200 $ 15,674 $ — $ 162,201 Special mention 38 80 220 — 87 1,200 1,683 — 3,308 Substandard — — — — — 3,063 1,312 — 4,375 Doubtful — — — — — — — — — Total Commercial Loans $ 28,339 $ 46,614 $ 27,211 $ 18,424 $ 7,164 $ 23,463 $ 18,669 $ — $ 169,884 Current-period gross charge-offs $ — $ — $ — $ — $ 9 $ — $ — $ — $ 9 Commercial Real Estate: Risk rating Satisfactory $ 49,229 $ 90,818 $ 137,343 $ 109,829 $ 117,259 $ 195,942 $ 3,543 $ — $ 703,963 Special mention — — 12,764 — — 11,003 — — 23,767 Substandard — 147 175 2,004 2,366 23,227 771 — 28,690 Doubtful — — — — — — — — — Total Commercial Real Estate Loans $ 49,229 $ 90,965 $ 150,282 $ 111,833 $ 119,625 $ 230,172 $ 4,314 $ — $ 756,420 Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Consumer: Risk rating Performing $ 298,014 $ 325,751 $ 270,669 $ 139,101 $ 58,060 $ 26,417 $ 477 $ — $ 1,118,489 Nonperforming 140 408 413 521 239 31 — — 1,752 Total Consumer Loans $ 298,154 $ 326,159 $ 271,082 $ 139,622 $ 58,299 $ 26,448 $ 477 $ — $ 1,120,241 Current-period gross charge-offs $ 1,125 $ 610 $ 1,365 $ 943 $ 278 $ 191 $ — $ — $ 4,512 Residential: Risk rating Performing $ 112,717 $ 178,789 $ 228,354 $ 184,861 $ 109,638 $ 343,929 $ 130,129 $ — $ 1,288,417 Nonperforming — 201 523 859 435 2,655 302 — 4,975 Total Residential Loans $ 112,717 $ 178,990 $ 228,877 $ 185,720 $ 110,073 $ 346,584 $ 130,431 $ — $ 1,293,392 Current-period gross charge-offs $ — $ — $ — $ — $ — $ 41 $ — $ — $ 41 Total Loans $ 488,439 $ 642,728 $ 677,452 $ 455,599 $ 295,161 $ 626,667 $ 153,891 $ — $ 3,339,937 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 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total September 30, 2023 2023 2022 2021 2020 2019 Prior Commercial: Risk rating Satisfactory $ 37,300 $ 36,456 $ 23,602 $ 10,622 $ 4,799 $ 21,459 $ 10,328 $ — $ 144,566 Special mention — — — 128 — — — — 128 Substandard — — — — 26 3,245 101 — 3,372 Doubtful — — — — — — — — — Total Commercial Loans $ 37,300 $ 36,456 $ 23,602 $ 10,750 $ 4,825 $ 24,704 $ 10,429 $ — $ 148,066 Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial Real Estate: Risk rating Satisfactory $ 57,761 $ 157,741 $ 106,128 $ 121,968 $ 41,827 $ 184,590 $ 2,035 $ — $ 672,050 Special mention — 3,123 — — — 4,150 — — 7,273 Substandard — 9,299 1,685 2,590 797 40,411 499 — 55,281 Doubtful — — — — — — — — — Total Commercial Real Estate Loans $ 57,761 $ 170,163 $ 107,813 $ 124,558 $ 42,624 $ 229,151 $ 2,534 $ — $ 734,604 Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Consumer: Risk rating Performing $ 322,084 $ 384,607 $ 216,234 $ 107,743 $ 53,646 $ 21,276 $ — $ — $ 1,105,590 Nonperforming 109 625 562 192 68 33 458 — 2,047 Total Consumer Loans $ 322,193 $ 385,232 $ 216,796 $ 107,935 $ 53,714 $ 21,309 $ 458 $ — $ 1,107,637 Current-period gross charge-offs $ 192 $ 915 $ 1,689 $ 477 $ 299 $ 234 $ — $ — $ 3,806 Residential: Risk rating Performing $ 106,267 $ 235,027 $ 191,780 $ 118,517 $ 76,518 $ 305,076 $ 108,098 $ — $ 1,141,283 Nonperforming — — 2,770 1,006 598 2,152 501 — 7,027 Total Residential Loans $ 106,267 $ 235,027 $ 194,550 $ 119,523 $ 77,116 $ 307,228 $ 108,599 $ — $ 1,148,310 Current-period gross charge-offs $ — $ — $ — $ — $ — $ 6 $ — $ — $ 6 Total Loans $ 523,521 $ 826,878 $ 542,761 $ 362,766 $ 178,279 $ 582,392 $ 122,020 $ — $ 3,138,617

Debt (Tables)

Debt (Tables)	9 Months Ended
	Sep. 30, 2024
Debt Disclosure [Abstract]
Schedule of Debt	Schedule of Borrowings: September 30, 2024 December 31, 2023 September 30, 2023 Balance: BTFP Advances $ 95,000 $ — 150,000 FHLBNY Overnight Advances — 20,000 10,000 FHLBNY Term Advances 8,600 6,500 14,300 Total Borrowings $ 103,600 $ 26,500 $ 174,300 Maximum Borrowing Capacity: Federal Funds Purchased $ 28,000 $ 28,000 $ 52,000 Federal Home Loan Bank of New York 595,234 576,602 607,596 Federal Reserve Bank of New York 868,693 738,511 722,493 Available Borrowing Capacity: Federal Funds Purchased $ 28,000 $ 28,000 $ 52,000 Federal Home Loan Bank of New York 556,634 550,102 449,296 Federal Reserve Bank of New York 773,693 738,511 722,493
Schedule of Maturities of Short-Term Debt	Maturity Schedule of FHLBNY Term Advances : Balances Weighted Average Rate 1 Final Maturity 9/30/2024 12/31/2023 9/30/2023 9/30/2024 12/31/2023 9/30/2023 First Year $ — $ 4,250 $ 7,800 — % 5.80 % 5.14 % Second Year 6,900 2,250 6,500 5.33 % 5.38 % 5.59 % Third Year — — — — % — % — % Fourth Year 1,700 — — 4.85 % — % — % Total $ 8,600 $ 6,500 $ 14,300 5.24 % 5.66 % 5.38 % 1. The effective rate on the FHLBNY Advances is 0% due to subsidized funding in the form of interest rate credits.
Schedule of Long-Term Debt Instruments	Schedule of Guaranteed Preferred Beneficial Interests in Corporation's Junior Subordinated Debentures September 30, 2024 December 31, 2023 September 30, 2023 ACST II Balance $ 10,000 $ 10,000 $ 10,000 Period End: Variable Interest Rate 8.02 % 8.74 % 8.81 % Fixed Interest Rate resulting from cash flow hedge agreement 4.00 % 4.00 % 4.00 % ACST III Balance $ 10,000 $ 10,000 $ 10,000 Period End: Variable Interest Rate 6.87 % 7.59 % 7.66 % Fixed Interest Rate resulting from cash flow hedge agreement 2.86 % 2.86 % 2.86 %

Commitments and Contingencies (

Commitments and Contingencies (Tables)	9 Months Ended
	Sep. 30, 2024
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 September 30, 2024, December 31, 2023 and September 30, 2023: Commitments to Extend Credit and Letters of Credit September 30, 2024 December 31, 2023 September 30, 2023 Notional Amount: Commitments to Extend Credit $ 487,106 $ 444,256 $ 464,661 Standby Letters of Credit 4,586 3,824 4,201 Fair Value: Commitments to Extend Credit $ — $ — $ — Standby Letters of Credit (14) — 10

Comprehensive Income (Tables)

Comprehensive Income (Tables)	9 Months Ended
	Sep. 30, 2024
Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of Comprehensive Income	The following table presents the components of other comprehensive income (loss) for the three and nine month periods ended September 30, 2024 and 2023: Schedule of Comprehensive Income (Loss) Three Months Ended September 30 Nine Months Ended September 30 Tax Tax Before-Tax (Expense) Net-of-Tax Before-Tax (Expense) Net-of-Tax Amount Benefit Amount Amount Benefit Amount 2024 Net Unrealized Securities Holding Gain on Securities Available-for-Sale Arising During the Period $ 12,505 $ (3,223) $ 9,282 $ 11,457 $ (2,954) $ 8,503 Net Unrealized (Loss) on Cash Flow Swap (4,667) 1,203 (3,464) (766) 197 (569) Reclassification of Net Unrealized (Loss) on Cash Flow Hedge Agreements to Interest Expense (196) 50 (146) (624) 161 (463) Amortization of Net Retirement Plan Actuarial (Gain) (78) 20 (58) (235) 61 (174) Amortization of Net Retirement Plan Prior Service Cost 67 (17) 50 204 (53) 151 Other Comprehensive Income $ 7,631 $ (1,967) $ 5,664 $ 10,036 $ (2,588) $ 7,448 2023 Net Unrealized Securities Holding (Loss) on Securities Available-for-Sale Arising During the Period $ (7,796) $ 2,010 $ (5,786) $ (4,763) $ 1,227 $ (3,536) Net Unrealized Gain on Cash Flow Swap 846 (221) 625 125 (34) 91 Reclassification of Net Unrealized Gain on Cash Flow Hedge Agreements to Interest Expense 242 (61) 181 660 (169) 491 Amortization of Net Retirement Plan Actuarial (Gain) (40) 10 (30) (121) 31 (90) Amortization of Net Retirement Plan Prior Service Cost 51 (12) 39 154 (39) 115 Other Comprehensive (Loss) $ (6,697) $ 1,726 $ (4,971) $ (3,945) $ 1,016 $ (2,929)
Changes in Accumulated Other Comprehensive Income By Component	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 Loss on Available-for-Sale Securities Unrealized Gain on Cash Flow Swap Defined Benefit Plan Items Total Net Actuarial Loss Net Prior Service Cost For the quarter-to-date periods ended: June 30, 2024 $ (32,427) $ 4,289 $ (2,955) $ (539) $ (31,632) Other comprehensive income or loss before reclassifications 9,282 (3,464) — — 5,818 Amounts reclassified from accumulated other comprehensive income or loss — (146) (58) 50 (154) Net current-period other comprehensive income or loss 9,282 (3,610) (58) 50 5,664 September 30, 2024 $ (23,145) $ 679 $ (3,013) $ (489) $ (25,968) June 30, 2023 $ (46,591) $ 3,830 $ (4,527) $ (325) $ (47,613) Other comprehensive income or loss before reclassifications (5,786) 625 — — (5,161) Amounts reclassified from accumulated other comprehensive income or loss — 181 (30) 39 190 Net current-period other comprehensive income or loss (5,786) 806 (30) 39 (4,971) September 30, 2023 $ (52,377) $ 4,636 $ (4,557) $ (286) $ (52,584) For the Year-To-Date periods ended: December 31, 2023 $ (31,648) $ 1,711 $ (2,839) $ (640) $ (33,416) Other comprehensive income or loss before reclassifications 8,503 (569) — — 7,934 Amounts reclassified from accumulated other comprehensive income or loss — (463) (174) 151 (486) Net current-period other comprehensive income or loss 8,503 (1,032) (174) 151 7,448 September 30, 2024 $ (23,145) $ 679 $ (3,013) $ (489) $ (25,968) December 31, 2022 $ (48,841) $ 4,054 $ (4,467) $ (401) $ (49,655) Other comprehensive income or loss before reclassifications (3,536) 91 — — (3,445) Amounts reclassified from accumulated other comprehensive income or loss — 491 (90) 115 516 Net current-period other comprehensive income or loss (3,536) 582 (90) 115 (2,929) September 30, 2023 $ (52,377) $ 4,636 $ (4,557) $ (286) $ (52,584)
Reclassification out of Accumulated Other Comprehensive Income	The following table presents the reclassifications out of accumulated other comprehensive income or loss: Reclassifications Out of Accumulated Other Comprehensive Income or Loss Details about Accumulated Other Comprehensive Income or Loss Components Amounts Reclassified from Accumulated Other Comprehensive Income or Loss Affected Line Item in the Statement Where Net Income Is Presented For the quarter-to-date periods ended: September 30, 2024 Reclassification of Net Unrealized Loss on Cash Flow Hedge Agreements to Interest Expense $ 196 Interest expense Amortization of defined benefit pension items: Prior-service costs (67) (1) Salaries and Employee Benefits Actuarial gain 78 (1) Salaries and Employee Benefits 207 Total before Tax (53) Provision for Income Taxes Total reclassifications for the period $ 154 Net of Tax September 30, 2023 Reclassification of Net Unrealized (Gain) on Cash Flow Hedge Agreements to Interest Expense $ (242) Interest expense Amortization of defined benefit pension items: Prior-service costs $ (51) (1) Salaries and Employee Benefits Actuarial gain 40 (1) Salaries and Employee Benefits (253) Total before Tax 63 Provision for Income Taxes Total reclassifications for the period $ (190) Net of Tax For the Year-to-date periods ended: September 30, 2024 Reclassification of Net Unrealized Loss on Cash Flow Hedge Agreements to Interest Expense $ 624 Interest expense Amortization of defined benefit pension items: Prior-service costs (204) (1) Salaries and Employee Benefits Actuarial gain 235 (1) Salaries and Employee Benefits 655 Total before Tax (169) Provision for Income Taxes Total reclassifications for the period $ 486 Net of Tax September 30, 2023 Reclassification of Net Unrealized (Gain) on Cash Flow Hedge Agreements to Interest Expense $ (660) Interest expense Amortization of defined benefit pension items: Prior-service costs (154) (1) Salaries and Employee Benefits Actuarial gain 121 (1) Salaries and Employee Benefits (693) Total before Tax 177 Provision for Income Taxes Total reclassifications for the period $ (516) Net of Tax (1) These accumulated other comprehensive gain or loss components are included in the computation of net periodic pension cost.

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	9 Months Ended
	Sep. 30, 2024
Share-Based Payment Arrangement [Abstract]
Share-Based Payment Arrangement, Restricted Stock and Restricted Stock Unit, Activity	The following table summarizes information about restricted stock awards for the year to date period ended September 30, 2024: Restricted Stock Awards Outstanding at January 1, 2024 — Granted 22,230 Vested (412) Forfeited — Outstanding at September 30, 2024 21,818
Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions	The following table summarizes information about stock option activity for the year to date period ended September 30, 2024: Shares Weighted Average Exercise Price Outstanding at January 1, 2024 305,308 $ 28.96 Exercised (8,620) 19.33 Forfeited (40,063) 28.47 Outstanding at September 30, 2024 256,625 29.36 Vested at Period-End 200,923 28.75 Expected to Vest 55,702 31.55
Schedule of Stock Options Roll Forward	The following table summarizes information about stock option activity for the year to date period ended September 30, 2024: Shares Weighted Average Exercise Price Outstanding at January 1, 2024 305,308 $ 28.96 Exercised (8,620) 19.33 Forfeited (40,063) 28.47 Outstanding at September 30, 2024 256,625 29.36 Vested at Period-End 200,923 28.75 Expected to Vest 55,702 31.55
Schedule of Employee Service Share-based Compensation, Allocation of Recognized Period Costs	The following table presents information on the amounts expensed related to restricted stock for the three and nine month periods ended September 30, 2024 and 2023: For the Three Months Ended September 30, For the Nine Months Ended September 30, 2024 2023 2024 2023 Amount expensed $ 33 $ — $ 54 $ — The following table presents information on the amounts expensed related to stock options for the three and nine month periods ended September 30, 2024 and 2023: For the Three Months Ended September 30, For the Nine Months Ended September 30, 2024 2023 2024 2023 Amount expensed $ (7) $ 24 $ 152 $ 196 The following table presents information on the amounts expensed related to restricted stock units for the periods ended September 30, 2024 and 2023: For the Three Months Ended September 30, For the Nine Months Ended September 30, 2024 2023 2024 2023 Amount expensed $ — $ 246 $ — $ 321
Schedule of Nonvested Restricted Stock Units Activity	The following table summarizes information about restricted stock unit activity for the nine month period ended September 30, 2023: Restricted Stock Units Weighted Average Grant Date Fair Value Non-vested at January 1, 2023 13,925 30.47 Granted 5,164 31.47 Vested (19,089) 30.74 Non-vested at September 30, 2023 —

Retirement Benefit Plans (Table

Retirement Benefit Plans (Tables)	9 Months Ended
	Sep. 30, 2024
Retirement Benefits [Abstract]
Schedule of Defined Benefit Plans Disclosures	The following tables provide the components of net periodic benefit costs for the three-month and nine-month periods ended September 30, 2024 and 2023: Employees' Select Executive Postretirement Pension Retirement Benefit Plan Plan Plans Net Periodic Benefit Cost For the Three Months Ended September 30, 2024: Service Cost 1 $ 423 $ 20 $ 11 Interest Cost (Benefit) 2 562 (157) 79 Expected Return on Plan Assets 2 (928) 237 — Amortization of Prior Service Cost 2 32 9 26 Amortization of Net Gain 2 — 6 (84) Net Periodic Cost $ 89 $ 115 $ 32 Plan Contributions During the Period $ — $ 127 $ 31 For the Three Months Ended September 30, 2023: Service Cost 1 $ 398 $ 143 $ 14 Interest Cost 2 524 85 82 Expected Return on Plan Assets 2 (854) — — Amortization of Prior Service Cost 2 16 9 26 Amortization of Net Loss (Gain) 2 30 18 (88) Net Periodic Cost $ 114 $ 255 $ 34 Plan Contributions During the Period $ — $ 99 $ 28 Net Periodic Benefit Cost For the Nine Months Ended September 30, 2024: Service Cost 1 $ 1,269 $ 59 $ 34 Interest Cost 2 1,682 3 239 Expected Return on Plan Assets 2 (2,783) 237 — Amortization of Prior Service Cost 2 98 29 77 Amortization of Net Loss (Gain) 2 — 18 (253) Net Periodic Cost $ 266 $ 346 $ 97 Plan Contributions During the Period $ — $ 382 $ 112 Estimated Future Contributions in the Current Fiscal Year $ — $ 127 $ 37 For the Nine Months Ended September 30, 2023: Service Cost 1 $ 1,195 $ 428 $ 42 Interest Cost 2 1,573 244 249 Expected Return on Plan Assets 2 (2,562) — — Amortization of Prior Service Cost 2 47 29 78 Amortization of Net Loss (Gain) 2 89 55 (265) Net Periodic Cost $ 342 $ 756 $ 104 Plan Contributions During the Period $ — $ 325 $ 75 Footnotes: 1. Included in Salaries and Employee Benefits on the Consolidated Statements of Income 2. Included in Other Operating Expense on the Consolidated Statements of Income

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	9 Months Ended
	Sep. 30, 2024
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Basic and Diluted	The following table presents a reconciliation of the numerator and denominator used in the calculation of basic and diluted earnings per common share (EPS) for periods ended September 30, 2024 and 2023. Earnings Per Share Three Months Ended Nine Months Ended September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Earnings Per Share - Basic: Net Income $ 8,975 $ 7,743 $ 25,239 $ 22,352 Weighted Average Shares - Basic 16,710 17,050 16,746 17,049 Earnings Per Share - Basic $ 0.54 $ 0.46 $ 1.51 $ 1.31 Earnings Per Share - Diluted: Net Income $ 8,975 $ 7,743 $ 25,239 $ 22,352 Weighted Average Shares - Basic 16,710 17,050 16,746 17,049 Dilutive Average Shares Attributable to Stock Options 32 — 26 — Weighted Average Shares - Diluted 16,742 17,050 16,772 17,049 Earnings Per Share - Diluted $ 0.53 $ 0.46 $ 1.50 $ 1.31

Fair Values (Tables)

Fair Values (Tables)	9 Months Ended
	Sep. 30, 2024
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 Quoted Prices Significant Other Significant Unobservable Inputs Fair Value of Assets and Liabilities Measured on a Recurring Basis: September 30, 2024 Assets: Securities Available-for Sale: U.S. Treasuries $ 50,024 $ — $ 50,024 $ — U.S. Government & Agency Obligations 141,350 — 141,350 $ — State and Municipal Obligations 240 — 240 — Mortgage-Backed Securities 244,496 — 244,496 — Corporate and Other Debt Securities 957 — 957 — Total Securities Available-for-Sale 437,067 — 437,067 — Equity Securities 5,089 2,987 2,102 — Total Securities Measured on a Recurring Basis 442,156 2,987 439,169 — Derivative Assets 15,198 — 15,198 — Total Measured on a Recurring Basis $ 457,354 $ 2,987 $ 454,367 $ — Liabilities: Derivative Liabilities 14,297 — 14,297 — Total Measured on a Recurring Basis $ 14,297 $ — $ 14,297 $ — Fair Value of Assets and Liabilities Measured on a Recurring and Nonrecurring Basis Fair Value Measurements at Reporting Date Using: 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 $ — September 30, 2023 Assets: Securities Available-for Sale: U.S. Government & Agency Obligations $ 176,421 $ — $ 176,421 $ — State and Municipal Obligations 280 — 280 — Mortgage-Backed Securities 341,739 — 341,739 — Corporate and Other Debt Securities 800 — 800 — Total Securities Available-for-Sale 519,240 — 519,240 — Equity Securities 1,960 — 1,960 — Total Securities Measured on a Recurring Basis 521,200 — 521,200 — Derivative Assets 8,860 — 8,860 — Total Measured on a Recurring Basis $ 530,060 $ — $ 530,060 $ — Liabilities: Derivative Liabilities 8,733 — 8,733 — Total Measured on a Recurring Basis $ 8,733 $ — $ 8,733 $ — Fair Value Quoted Prices Significant Other Significant Unobservable Inputs Gains (Losses) Recognized in Earnings Fair Value of Assets and Liabilities Measured on a Nonrecurring Basis: September 30, 2024 Collateral Dependent Evaluated Loans $ — $ — $ — $ — Other Real Estate Owned and Repossessed Assets, Net 399 — — 399 — December 31, 2023 Collateral Dependent Impaired Loans $ — $ — $ — $ — Other Real Estate Owned and Repossessed Assets, Net 312 — — 312 — September 30, 2023 Collateral Dependent Impaired Loans $ — $ — $ — $ — Other Real Estate Owned and Repossessed Assets, Net 526 — — 526 —
Fair Value, by Balance Sheet Grouping	The following table presents a summary of the carrying amount, the fair value (exit price) or an amount approximating fair value and the fair value hierarchy of Arrow’s financial instruments: Schedule of Fair Values by Balance Sheet Grouping Fair Value Hierarchy Carrying Value Fair Value Level 1 Level 2 Level 3 September 30, 2024 Cash and Cash Equivalents $ 340,088 $ 340,088 $ 340,088 $ — $ — Securities Available-for-Sale 437,067 437,067 — 437,067 — Securities Held-to-Maturity 103,337 101,929 — 101,929 — Equity Securities 5,089 5,089 2,987 2,102 — Federal Home Loan Bank and Federal 4,352 4,352 — 4,352 — Net Loans 3,308,675 3,107,250 — — 3,107,250 Accrued Interest Receivable 12,492 12,492 — 12,492 — Derivative Assets 15,198 15,198 15,198 Deposits 3,837,457 3,834,428 — 3,834,428 — Borrowings 103,600 103,705 — 103,705 — Junior Subordinated Obligations Issued 20,000 20,000 — 20,000 — Accrued Interest Payable 7,468 7,468 — 7,468 — Derivative Liabilities 14,297 14,297 — 14,297 — 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 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 — September 30, 2023 Cash and Cash Equivalents $ 294,739 $ 294,739 $ 294,739 $ — $ — Securities Available-for-Sale 519,240 519,240 — 519,240 — Securities Held-to-Maturity 140,577 134,811 — 134,811 — Equity Securities 1,960 1,960 — 1,960 Federal Home Loan Bank and Federal 5,110 5,110 — 5,110 — Net Loans 3,107,505 2,867,016 — — 2,867,016 Accrued Interest Receivable 11,163 11,163 — 11,163 — Derivative Assets 8,860 8,860 — 8,860 — Deposits 3,666,485 3,660,360 — 3,660,360 — Borrowings 174,300 173,709 — 173,709 — Junior Subordinated Obligations Issued 20,000 20,000 — 20,000 — Accrued Interest Payable 7,432 7,432 — 7,432 — Derivative Liabilities 8,733 8,733 — 8,733 —

Leases (Tables)

Leases (Tables)	9 Months Ended
	Sep. 30, 2024
Leases [Abstract]
Lease, Cost	The following includes quantitative data related to Arrow's leases as of and for the nine months ended September 30, 2024 and September 30, 2023: Nine Months Ended Finance Lease Amounts: Classification September 30, 2024 September 30, 2023 Right-of-Use Assets Premises and Equipment, Net $ 4,327 $ 4,504 Lease Liabilities Finance Leases 5,022 5,080 Operating Lease Amounts: Right-of-Use Assets Other Assets $ 4,792 $ 4,978 Lease Liabilities Other Liabilities 5,007 5,179 Other Information: Cash Paid For Amounts Included In The Measurement Of Lease Liabilities: Operating Outgoing Cash Flows From Finance Leases $ 142 $ 143 Operating Outgoing Cash Flows From Operating Leases 471 781 Financing Outgoing Cash Flows From Finance Leases 44 39 Right-of-Use Assets Obtained In Exchange For New Finance Lease Liabilities — — Right-of-Use Assets Obtained In Exchange For New Operating Lease Liabilities 326 19 Weighted-average Remaining Lease Term - Finance Leases (Yrs.) 25.58 26.54 Weighted-average Remaining Lease Term - Operating Leases (Yrs.) 10.44 11.45 Weighted-average Discount Rate—Finance Leases 3.75 % 3.75 % Weighted-average Discount Rate—Operating Leases 3.37 % 3.01 % Lease cost information for Arrow's leases is as follows: Three Months Ended Nine Months Ended September 30, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Lease Cost: Finance Lease Cost: Reduction of Right-of-Use Assets $ 44 $ 44 $ 132 $ 132 Interest on Lease Liabilities 47 46 142 143 Operating Lease Cost 203 195 597 786 Short-term Lease Cost 7 11 28 46 Variable Lease Cost 32 58 177 179 Total Lease Cost $ 333 $ 354 $ 1,076 $ 1,286
Lessee, Operating Lease, Liability, Maturity	Future Lease Payments at September 30, 2024 are as follows: Operating Leases Financing Leases Twelve Months Ended: 9/30/2025 $ 796 $ 258 9/30/2026 715 268 9/30/2027 659 268 9/30/2028 549 268 9/30/2029 534 273 Thereafter 2,745 6,791 Total Undiscounted Cash Flows $ 5,998 $ 8,126 Less: Net Present Value Adjustment 991 3,104 Lease Liability $ 5,007 $ 5,022
Finance Lease, Liability, Maturity	Future Lease Payments at September 30, 2024 are as follows: Operating Leases Financing Leases Twelve Months Ended: 9/30/2025 $ 796 $ 258 9/30/2026 715 268 9/30/2027 659 268 9/30/2028 549 268 9/30/2029 534 273 Thereafter 2,745 6,791 Total Undiscounted Cash Flows $ 5,998 $ 8,126 Less: Net Present Value Adjustment 991 3,104 Lease Liability $ 5,007 $ 5,022

Derivative Instruments and He_2

Derivative Instruments and Hedging Activities (Tables)	9 Months Ended
	Sep. 30, 2024
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 September 30, 2024 December 31, 2023 September 30, 2023 Fair value adjustment included in other assets $ 4,153 $ 6,208 $ 8,733 Fair value adjustment included in other liabilities 4,153 6,208 8,733 Notional amount 105,935 123,197 124,350 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 September 30, 2024 December 31, 2023 September 30, 2023 Fair value adjustment included in other assets $ — $ — $ 885 Fair value adjustment included in other liabilities 6,541 5,678 — Notional amount 300,000 300,000 300,000 The following table represents the carrying value of the PLM 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 September 30, 2024 December 31, 2023 September 30, 2023 Carrying Value of Portfolio Layer Method Hedged Asset $ 306,544 $ 305,849 $ 299,242 Cumulative Fair Value Hedging Adjustment 6,544 5,849 (758)
Derivative Instruments, Gain (Loss)	The following table summarizes the effect of the fair value hedging relationship recognized on the unaudited interim consolidated statement of income: Derivatives Designated as Hedging Instruments - Fair Value Agreements Nine Months Ended Twelve Months Ended Nine Months Ended September 30, 2024 December 31, 2023 September 30, 2023 Hedged Asset $ 6,544 $ 5,849 $ (758) Fair value derivative designated as hedging instrument (6,541) (5,828) 885 Total (loss) gain recognized in the consolidated statements of income with interest and fees on loans 3 21 127
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 Nine Months Ended Twelve Months Ended Nine Months Ended September 30, 2024 December 31, 2023 September 30, 2023 Fair value adjustment included in other liabilities $ 287 $ — $ — Amount of (loss) recognized in AOCI (287) — — Amount of loss reclassified from AOCI interest expense — — — 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 Nine Months Ended Twelve Months Ended Nine Months Ended September 30, 2024 December 31, 2023 September 30, 2023 Fair value adjustment included in other liabilities $ 3,316 $ 2,710 $ — Amount of gain (loss) recognized in AOCI 747 (2,553) — Amount of gain reclassified from AOCI interest expense 1,353 157 — 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 Nine Months Ended Twelve Months Ended Nine Months Ended September 30, 2024 December 31, 2023 September 30, 2023 Fair value adjustment included in other assets $ 4,501 $ 4,998 $ 6,230 Amount of (loss) gain recognized in AOCI (1,226) (1,355) 125 Amount of loss reclassified from AOCI to interest expense 729 907 660

Branch Acquisition (Tables)

Branch Acquisition (Tables)	9 Months Ended
	Sep. 30, 2024
Business Combination, Asset Acquisition, and Joint Venture Formation [Abstract]
Schedule of Recognized Identified Assets Acquired and Liabilities Assumed	The following table summarizes the amount of the consideration received for the Whitehall Branch and the amounts of assets acquired and liabilities assumed recognized at the acquisition date. Total consideration received $ 32,307 Total assets acquired $ 3,866 Total liabilities assumed $ (37,683) Total Fair Value of Identifiable Net Assets $ (33,817) Goodwill $ 1,510

Risks and Uncertainties (Detail

Risks and Uncertainties (Details)	9 Months Ended
	Sep. 30, 2024 bank subsidiaryBusinessTrust
Risks and Uncertainties [Abstract]
Number of banks | bank	2
Number of business subsidiary trusts | subsidiaryBusinessTrust	2

Cash and Cash Equivalents (Deta

Cash and Cash Equivalents (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Dec. 31, 2022
Cash and Cash Equivalents [Abstract]
Cash and Due From Banks	$ 53,969	$ 36,755	$ 39,778
Interest-Bearing Deposits at Banks	286,119	105,781	254,961
Total Cash and Cash Equivalents	$ 340,088	$ 142,536	$ 294,739	$ 64,660

Investment Securities - Availab

Investment Securities - Available-for-Sale (Details) $ in Thousands	Sep. 30, 2024 USD ($) security	Dec. 31, 2023 USD ($) security	Sep. 30, 2023 USD ($) security
Available-For-Sale Securities
Available-For-Sale Securities, at Amortized Cost	$ 468,043	$ 540,202	$ 589,603
Gross Unrealized Gains	320	300	1
Gross Unrealized Losses	(31,296)	(42,733)	(70,364)
Available-for-Sale at Fair Value	437,067	497,769	519,240
Maturities of Debt Securities, at Amortized Cost:
Within One Year	86,858
From 1 - 5 Years	281,660
From 5 - 10 Years	99,525
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	86,169
From 1 - 5 Years	265,081
From 5 - 10 Years	85,817
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	0	26,176
12 Months or Longer	365,469	407,960	492,496
Total	$ 365,469	$ 407,960	$ 518,672
Number of Securities in a Continuous Loss Position | security	109	117	180
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 0	$ 403
12 Months or Longer	31,296	42,733	69,961
Total	31,296	42,733	70,364
Collateral Pledged
Available-For-Sale Securities
Available-For-Sale Securities, Pledged as Collateral, at Fair Value	332,430	242,938	390,923
U.S. Treasuries
Available-For-Sale Securities
Available-For-Sale Securities, at Amortized Cost	49,795	73,761	0
Gross Unrealized Gains	229	243	0
Gross Unrealized Losses	0	0	0
Available-for-Sale at Fair Value	50,024	74,004	0
Maturities of Debt Securities, at Amortized Cost:
Within One Year	24,846
From 1 - 5 Years	24,949
From 5 - 10 Years	0
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	24,865
From 1 - 5 Years	25,159
From 5 - 10 Years	0
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	0	0
12 Months or Longer	0	0	0
Total	$ 0	$ 0	$ 0
Number of Securities in a Continuous Loss Position | security	0	0	0
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 0	$ 0
12 Months or Longer	0	0	0
Total	0	0	0
U.S. Government & Agency Obligations
Available-For-Sale Securities
Available-For-Sale Securities, at Amortized Cost	145,000	160,000	190,000
Gross Unrealized Gains	58	51	0
Gross Unrealized Losses	(3,708)	(7,126)	(13,579)
Available-for-Sale at Fair Value	141,350	152,925	176,421
Maturities of Debt Securities, at Amortized Cost:
Within One Year	60,000
From 1 - 5 Years	85,000
From 5 - 10 Years	0
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	59,319
From 1 - 5 Years	82,031
From 5 - 10 Years	0
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	0	14,914
12 Months or Longer	126,292	137,874	161,506
Total	$ 126,292	$ 137,874	$ 176,420
Number of Securities in a Continuous Loss Position | security	17	19	25
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 0	$ 86
12 Months or Longer	3,708	7,126	13,493
Total	3,708	7,126	13,579
U.S. Government & Agency Obligations | Agency Securities
Available-For-Sale Securities
Available-For-Sale Securities, at Amortized Cost	145,000	160,000	190,000
Available-for-Sale at Fair Value	141,350	152,925	176,421
State and Municipal Obligations
Available-For-Sale Securities
Available-For-Sale Securities, at Amortized Cost	240	280	280
Gross Unrealized Gains	0	0	0
Gross Unrealized Losses	0	0	0
Available-for-Sale at Fair Value	240	280	280
Maturities of Debt Securities, at Amortized Cost:
Within One Year	0
From 1 - 5 Years	0
From 5 - 10 Years	240
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	0
From 1 - 5 Years	0
From 5 - 10 Years	240
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	0	0
12 Months or Longer	0	0	0
Total	$ 0	$ 0	$ 0
Number of Securities in a Continuous Loss Position | security	0	0	0
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 0	$ 0
12 Months or Longer	0	0	0
Total	0	0	0
State and Municipal Obligations | Municipal Bonds
Available-For-Sale Securities
Available-For-Sale Securities, at Amortized Cost	240	280	280
Available-for-Sale at Fair Value	240	280	280
Mortgage- Backed Securities
Available-For-Sale Securities
Available-For-Sale Securities, at Amortized Cost	272,008	305,161	398,323
Gross Unrealized Gains	33	6	1
Gross Unrealized Losses	(27,545)	(35,407)	(56,585)
Available-for-Sale at Fair Value	244,496	269,760	341,739
Maturities of Debt Securities, at Amortized Cost:
Within One Year	2,012
From 1 - 5 Years	170,711
From 5 - 10 Years	99,285
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	1,985
From 1 - 5 Years	156,934
From 5 - 10 Years	85,577
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	0	11,262
12 Months or Longer	238,220	269,286	330,190
Total	$ 238,220	$ 269,286	$ 341,452
Number of Securities in a Continuous Loss Position | security	91	97	154
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 0	$ 317
12 Months or Longer	27,545	35,407	56,268
Total	27,545	35,407	56,585
Mortgage- Backed Securities | US Government Agencies Debt Securities
Available-For-Sale Securities
Available-For-Sale Securities, at Amortized Cost	6,908	7,291	7,416
Available-for-Sale at Fair Value	6,690	6,864	6,885
Mortgage- Backed Securities | US Government-sponsored Enterprises Debt Securities
Available-For-Sale Securities
Available-For-Sale Securities, at Amortized Cost	265,100	297,870	390,907
Available-for-Sale at Fair Value	237,806	262,896	334,854
Corporate and Other Debt Securities
Available-For-Sale Securities
Available-For-Sale Securities, at Amortized Cost	1,000	1,000	1,000
Gross Unrealized Gains	0	0	0
Gross Unrealized Losses	(43)	(200)	(200)
Available-for-Sale at Fair Value	957	800	800
Maturities of Debt Securities, at Amortized Cost:
Within One Year	0
From 1 - 5 Years	1,000
From 5 - 10 Years	0
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	0
From 1 - 5 Years	957
From 5 - 10 Years	0
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	0	0
12 Months or Longer	957	800	800
Total	$ 957	$ 800	$ 800
Number of Securities in a Continuous Loss Position | security	1	1	1
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 0	$ 0
12 Months or Longer	43	200	200
Total	43	200	200
Corporate and Other Debt Securities | Corporate Trust Preferred Securities
Available-For-Sale Securities
Available-For-Sale Securities, at Amortized Cost	1,000	1,000	1,000
Available-for-Sale at Fair Value	$ 957	$ 800	$ 800

Investment Securities - Narrati

Investment Securities - Narrative (Details)	3 Months Ended
	Sep. 30, 2024 USD ($)
Investments, Debt and Equity Securities [Abstract]
Debt securities, available-for-sale, allowance for credit loss, excluding accrued interest	$ 0
Debt securities, available-for-sale, excluding accrued interest, 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, excluding accrued interest	$ 0

Investment Securities - Held-to

Investment Securities - Held-to-Maturity (Details) $ in Thousands	Sep. 30, 2024 USD ($) security	Dec. 31, 2023 USD ($) security	Sep. 30, 2023 USD ($) security
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	$ 103,337	$ 131,395	$ 140,577
Gross Unrealized Gains			0
Gross Unrealized Losses	(1,408)	(2,558)	(5,766)
Held-To-Maturity Securities, at Fair Value	101,929	128,837	134,811
Maturities of Debt Securities, at Amortized Cost:
Within One Year	52,575
From 1 - 5 Years	48,435
From 5 - 10 Years	2,321
Over 10 Years	6
Maturities of Debt Securities, at Fair Value:
Within One Year	52,224
From 1 - 5 Years	47,393
From 5 - 10 Years	2,306
Over 10 Years	6
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	175	1,472	1,575
12 Months or Longer	80,563	111,383	117,090
Total	$ 80,738	$ 112,855	$ 118,665
Number of Securities in a Continuous Loss Position | security	247	335	355
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 14	$ 86
12 Months or Longer	1,408	2,545	5,680
Total	1,408	2,559	5,766
State and Municipal Obligations
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	96,275	122,450	131,017
Gross Unrealized Gains			0
Gross Unrealized Losses	(1,205)	(2,157)	(5,204)
Held-To-Maturity Securities, at Fair Value	95,070	120,293	125,813
Maturities of Debt Securities, at Amortized Cost:
Within One Year	52,575
From 1 - 5 Years	41,373
From 5 - 10 Years	2,321
Over 10 Years	6
Maturities of Debt Securities, at Fair Value:
Within One Year	52,224
From 1 - 5 Years	40,534
From 5 - 10 Years	2,306
Over 10 Years	6
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	175	1,472	1,575
12 Months or Longer	73,705	102,839	108,092
Total	$ 73,880	$ 104,311	$ 109,667
Number of Securities in a Continuous Loss Position | security	231	319	339
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 14	$ 86
12 Months or Longer	1,205	2,143	5,118
Total	1,205	2,157	5,204
Mortgage-Backed Securities - Residential
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	7,062	8,945	9,560
Gross Unrealized Gains			0
Gross Unrealized Losses	(203)	(401)	(562)
Held-To-Maturity Securities, at Fair Value	6,859	8,544	8,998
Maturities of Debt Securities, at Amortized Cost:
Within One Year	0
From 1 - 5 Years	7,062
From 5 - 10 Years	0
Over 10 Years	0
Maturities of Debt Securities, at Fair Value:
Within One Year	0
From 1 - 5 Years	6,859
From 5 - 10 Years	0
Over 10 Years	0
Securities in a Continuous Loss Position, at Fair Value:
Less than 12 Months	0	0	0
12 Months or Longer	6,858	8,544	8,998
Total	$ 6,858	$ 8,544	$ 8,998
Number of Securities in a Continuous Loss Position | security	16	16	16
Unrealized Losses on Securities in a Continuous Loss Position:
Less than 12 Months	$ 0	$ 0	$ 0
12 Months or Longer	203	402	562
Total	203	402	562
Collateral Pledged
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, Pledged as Collateral, at Carrying Value	82,532	115,030	117,723
Held-To-Maturity Securities, Pledged as Collateral, at Fair Value	81,123	112,472	111,957
Municipal Bonds | State and Municipal Obligations
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	96,275	122,450	131,017
Municipal Bonds | Fair Value, Measurements, Recurring | State and Municipal Obligations
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Fair Value	95,070	120,293	125,813
US Government Agencies Debt Securities | Mortgage-Backed Securities - Residential
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	2,526	3,114	3,292
US Government Agencies Debt Securities | Fair Value, Measurements, Recurring | Mortgage-Backed Securities - Residential
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Fair Value	2,445	2,954	3,075
US Government-sponsored Enterprises Debt Securities | Mortgage-Backed Securities - Residential
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Amortized Cost	4,536	5,831	6,268
US Government-sponsored Enterprises Debt Securities | Fair Value, Measurements, Recurring | Mortgage-Backed Securities - Residential
Schedule of Held-to-maturity Securities [Line Items]
Held-To-Maturity Securities, at Fair Value	$ 4,414	$ 5,589	$ 5,923

Investment Securities - Equity

Investment Securities - Equity Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2023
Investments, Debt and Equity Securities [Abstract]
Equity Securities, at Fair Value	$ 5,089	$ 1,925	$ 1,960

Investment Securities - Unreali

Investment Securities - Unrealized Gains (Losses) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Investments, Debt and Equity Securities [Abstract]
Net Gain (Loss) on Equity Securities	$ 94	$ 71		$ (214)
Less: Net gain recognized during the reporting period on equity securities sold during the period	0	0	$ 0	0
Unrealized net gain (loss) recognized during the reporting period on equity securities still held at the reporting date	$ 94	$ 71	$ 165	$ (214)

Loans - Loan Categories and Pas

Loans - Loan Categories and Past Due Loans (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2023
Financing Receivable, Past Due [Line Items]
Loans receivable held-for-sale, net, not part of disposal group	$ 203	$ 165	$ 165
Total Loans	3,339,937	3,212,908	3,138,617
Loans 90 or More Days Past Due and Still Accruing Interest	816	452	251
Nonaccrual Loans	21,047	20,645	6,023
Nonaccrual With No Allowance for Credit Loss	21,047
Interest Income on Nonaccrual Loans	0
Commercial
Financing Receivable, Past Due [Line Items]
Total Loans	169,884	156,224	148,066
Loans 90 or More Days Past Due and Still Accruing Interest	0	0	0
Nonaccrual Loans	16	30	3
Nonaccrual With No Allowance for Credit Loss	16
Interest Income on Nonaccrual Loans	0
Commercial Real Estate
Financing Receivable, Past Due [Line Items]
Total Loans	756,420	745,487	734,604
Loans 90 or More Days Past Due and Still Accruing Interest	0	0	0
Nonaccrual Loans	15,120	15,308	0
Nonaccrual With No Allowance for Credit Loss	15,120
Interest Income on Nonaccrual Loans	0
Consumer
Financing Receivable, Past Due [Line Items]
Total Loans	1,120,241	1,111,667	1,107,637
Loans 90 or More Days Past Due and Still Accruing Interest	0	6	0
Nonaccrual Loans	1,752	1,877	1,572
Nonaccrual With No Allowance for Credit Loss	1,752
Interest Income on Nonaccrual Loans	0
Residential
Financing Receivable, Past Due [Line Items]
Total Loans	1,293,392	1,199,530	1,148,310
Loans 90 or More Days Past Due and Still Accruing Interest	816	446	251
Nonaccrual Loans	4,159	3,430	4,448
Nonaccrual With No Allowance for Credit Loss	4,159
Interest Income on Nonaccrual Loans	0
Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	40,903	44,900	39,375
Financial Asset, Past Due | Commercial
Financing Receivable, Past Due [Line Items]
Total Loans	753	349	309
Financial Asset, Past Due | Commercial Real Estate
Financing Receivable, Past Due [Line Items]
Total Loans	15,443	15,944	15,764
Financial Asset, Past Due | Consumer
Financing Receivable, Past Due [Line Items]
Total Loans	18,798	20,891	18,321
Financial Asset, Past Due | Residential
Financing Receivable, Past Due [Line Items]
Total Loans	5,909	7,716	4,981
Financing Receivables, 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	13,372	17,524	27,590
Financing Receivables, 30 to 59 Days Past Due | Commercial
Financing Receivable, Past Due [Line Items]
Total Loans	577	298	247
Financing Receivables, 30 to 59 Days Past Due | Commercial Real Estate
Financing Receivable, Past Due [Line Items]
Total Loans	0	0	13,787
Financing Receivables, 30 to 59 Days Past Due | Consumer
Financing Receivable, Past Due [Line Items]
Total Loans	12,413	13,511	11,864
Financing Receivables, 30 to 59 Days Past Due | Residential
Financing Receivable, Past Due [Line Items]
Total Loans	382	3,715	1,692
Financing Receivables, 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	6,887	7,097	7,007
Financing Receivables, 60 to 89 Days Past Due | Commercial
Financing Receivable, Past Due [Line Items]
Total Loans	160	21	59
Financing Receivables, 60 to 89 Days Past Due | Commercial Real Estate
Financing Receivable, Past Due [Line Items]
Total Loans	323	636	1,977
Financing Receivables, 60 to 89 Days Past Due | Consumer
Financing Receivable, Past Due [Line Items]
Total Loans	4,716	5,579	4,953
Financing Receivables, 60 to 89 Days Past Due | Residential
Financing Receivable, Past Due [Line Items]
Total Loans	1,688	861	18
Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	20,644	20,279	4,778
Financing Receivables, Equal to Greater than 90 Days Past Due | Commercial
Financing Receivable, Past Due [Line Items]
Total Loans	16	30	3
Financing Receivables, Equal to Greater than 90 Days Past Due | Commercial Real Estate
Financing Receivable, Past Due [Line Items]
Total Loans	15,120	15,308	0
Financing Receivables, Equal to Greater than 90 Days Past Due | Consumer
Financing Receivable, Past Due [Line Items]
Total Loans	1,669	1,801	1,504
Financing Receivables, Equal to Greater than 90 Days Past Due | Residential
Financing Receivable, Past Due [Line Items]
Total Loans	3,839	3,140	3,271
Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Total Loans	3,299,034	3,168,008	3,099,242
Financial Asset, Not Past Due | Commercial
Financing Receivable, Past Due [Line Items]
Total Loans	169,131	155,875	147,757
Financial Asset, Not Past Due | Commercial Real Estate
Financing Receivable, Past Due [Line Items]
Total Loans	740,977	729,543	718,840
Financial Asset, Not Past Due | Consumer
Financing Receivable, Past Due [Line Items]
Total Loans	1,101,443	1,090,776	1,089,316
Financial Asset, Not Past Due | Residential
Financing Receivable, Past Due [Line Items]
Total Loans	$ 1,287,483	$ 1,191,814	$ 1,143,329

Loans - Additional Information

Loans - Additional Information (Details)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2024 USD ($) loan_portfolio loan	Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($) loan_portfolio loan	Sep. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items]
Number of loan portfolios | loan_portfolio	4		4
Allowance increase (decrease), net loan growth	$ 335,000
Allowance increase (decrease), change in macroeconomic conditions	(82,000)
Allowance increase (decrease), due to net charge-offs	681,000
Provision	934,000	$ 354,000	$ 2,326,000	$ 2,856,000
Credit for estimated credit losses on off-balance sheet credit exposures	234,000
Off-balance sheet, credit loss, liability	$ 1,200,000		$ 1,200,000
Number of loans individually evaluated for impairment | loan	6		6
Ending Loan Balance - Individually Evaluated	$ 17,300,000	1,949,000	$ 17,300,000	1,949,000	$ 16,754,000
Number of loans with an allowance for credit loss on loans individually evaluated for impairment | loan	0		0
Loans modified during period, amount			$ 0		0
Consumer
Financing Receivable, Allowance for Credit Loss [Line Items]
Provision	$ 296,000	301,000	2,354,000	1,640,000
Ending Loan Balance - Individually Evaluated	0	0	0	0	0
Mortgage loans in process of foreclosure, amount	3,500,000		$ 3,500,000
Consumer | Minimum | Automobile Loan
Financing Receivable, Allowance for Credit Loss [Line Items]
Principal repayment terms, period (in years)			3 years
Consumer | Minimum | Credit Card Receivable
Financing Receivable, Allowance for Credit Loss [Line Items]
Principal repayment terms, period (in years)			1 year
Consumer | Maximum | Automobile Loan
Financing Receivable, Allowance for Credit Loss [Line Items]
Principal repayment terms, period (in years)			7 years
Consumer | Maximum | Credit Card Receivable
Financing Receivable, Allowance for Credit Loss [Line Items]
Principal repayment terms, period (in years)			5 years
Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Provision	837,000	306,000	$ 1,499,000	974,000
Ending Loan Balance - Individually Evaluated	$ 2,143,000	$ 1,949,000	$ 2,143,000	$ 1,949,000	$ 1,446,000
Residential | Real Estate Loan
Financing Receivable, Allowance for Credit Loss [Line Items]
Appraised Value of Property, Percentage			80%
Residential | Home Equity Loan
Financing Receivable, Allowance for Credit Loss [Line Items]
Maximum loan to value ratio (in percent)			80%

Loans - Allowance for Loan Loss

Loans - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Allowance for Loan Losses, Beginning balance	$ 31,009	$ 31,170	$ 31,265	$ 29,952	$ 29,952
Charge-offs	(1,429)	(1,204)	(4,562)	(3,812)
Recoveries	748	792	2,233	2,116
Provision	934	354	2,326	2,856
Allowance for Loan Losses, Ending balance	31,262	31,112	31,262	31,112	31,265
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Ending Loan Balance - Collectively Evaluated	3,322,674	3,136,668	3,322,674	3,136,668	3,196,154
Allowance for Credit Losses - Loans Collectively Evaluated	31,262	31,112	31,262	31,112	31,265
Ending Loan Balance - Individually Evaluated, Including Overdraft	17,263		17,263
Ending Loan Balance - Individually Evaluated	17,300	1,949	17,300	1,949	16,754
Allowance for Credit Losses - Loans Individually Evaluated	0	0	0	0	0
Commercial
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Allowance for Loan Losses, Beginning balance	2,031	1,972	1,958	1,961	1,961
Charge-offs	0	0	(9)	0
Recoveries	0	0	0	0
Provision	(133)	(139)	(51)	(128)
Allowance for Loan Losses, Ending balance	1,898	1,833	1,898	1,833	1,958
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Ending Loan Balance - Collectively Evaluated	169,884	148,066	169,884	148,066	156,224
Allowance for Credit Losses - Loans Collectively Evaluated	1,898	1,833	1,898	1,833	1,958
Ending Loan Balance - Individually Evaluated, Including Overdraft	0		0
Ending Loan Balance - Individually Evaluated		0		0	0
Allowance for Credit Losses - Loans Individually Evaluated	0	0	0	0	0
Commercial Real Estate
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Allowance for Loan Losses, Beginning balance	14,111	15,697	15,521	15,213	15,213
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	(66)	(114)	(1,476)	370
Allowance for Loan Losses, Ending balance	14,045	15,583	14,045	15,583	15,521
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Ending Loan Balance - Collectively Evaluated	741,300	734,604	741,300	734,604	730,179
Allowance for Credit Losses - Loans Collectively Evaluated	14,045	15,583	14,045	15,583	15,521
Ending Loan Balance - Individually Evaluated	15,120	0	15,120	0	15,308
Allowance for Credit Losses - Loans Individually Evaluated	0	0	0	0	0
Consumer
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Allowance for Loan Losses, Beginning balance	2,985	2,646	2,566	2,585	2,585
Charge-offs	(1,388)	(1,204)	(4,512)	(3,806)	(5,123)
Recoveries	748	792	2,233	2,116
Provision	296	301	2,354	1,640
Allowance for Loan Losses, Ending balance	2,641	2,535	2,641	2,535	2,566
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Ending Loan Balance - Collectively Evaluated	1,120,241	1,107,637	1,120,241	1,107,637	1,111,667
Allowance for Credit Losses - Loans Collectively Evaluated	2,641	2,535	2,641	2,535	2,566
Ending Loan Balance - Individually Evaluated	0	0	0	0	0
Allowance for Credit Losses - Loans Individually Evaluated	0	0	0	0	0
Residential
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Allowance for Loan Losses, Beginning balance	11,882	10,855	11,220	10,193	10,193
Charge-offs	(41)	0	(41)	(6)	(54)
Recoveries	0	0	0	0
Provision	837	306	1,499	974
Allowance for Loan Losses, Ending balance	12,678	11,161	12,678	11,161	11,220
Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]
Ending Loan Balance - Collectively Evaluated	1,291,249	1,146,361	1,291,249	1,146,361	1,198,084
Allowance for Credit Losses - Loans Collectively Evaluated	12,678	11,161	12,678	11,161	11,220
Ending Loan Balance - Individually Evaluated	2,143	1,949	2,143	1,949	1,446
Allowance for Credit Losses - Loans Individually Evaluated	$ 0	$ 0	$ 0	$ 0	$ 0

Loans - Amortized Cost Basis of

Loans - Amortized Cost Basis of Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2023
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	$ 3,308,675	$ 3,181,643	$ 3,107,505
Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	17,263	16,754	1,949
Real Estate | Commercial
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0	0	0
Real Estate | Commercial Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	15,120	15,308	0
Real Estate | Consumer
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0	0	0
Real Estate | Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	2,143	1,446	1,949
Residential Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	2,143	1,446	1,949
Residential Real Estate | Commercial
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0	0	0
Residential Real Estate | Commercial Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0	0	0
Residential Real Estate | Consumer
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0	0	0
Residential Real Estate | Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	2,143	1,446	1,949
Commercial Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	15,120	15,308	0
Commercial Real Estate | Commercial
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0	0	0
Commercial Real Estate | Commercial Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	15,120	15,308	0
Commercial Real Estate | Consumer
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	0	0	0
Commercial Real Estate | Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total Loans	$ 0	$ 0	$ 0

Loans - Credit Quality Indicato

Loans - Credit Quality Indicators (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	$ 488,439	$ 523,521	$ 488,439	$ 523,521	$ 703,501
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	642,728	826,878	642,728	826,878	792,838
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	677,452	542,761	677,452	542,761	519,887
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	455,599	362,766	455,599	362,766	344,185
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	295,161	178,279	295,161	178,279	164,593
Prior	626,667	582,392	626,667	582,392	548,654
Revolving Loans Amortized Cost Basis	153,891	122,020	153,891	122,020	139,250
Revolving Loan Converted to Term	0	0	0	0	0
Total	3,339,937	3,138,617	3,339,937	3,138,617	3,212,908
Current-period gross charge-offs
Total	1,429	1,204	4,562	3,812
Commercial
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	28,339	37,300	28,339	37,300	54,584
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	46,614	36,456	46,614	36,456	34,047
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	27,211	23,602	27,211	23,602	23,470
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	18,424	10,750	18,424	10,750	9,772
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	7,164	4,825	7,164	4,825	4,107
Prior	23,463	24,704	23,463	24,704	16,559
Revolving Loans Amortized Cost Basis	18,669	10,429	18,669	10,429	13,685
Revolving Loan Converted to Term	0	0	0	0	0
Total	169,884	148,066	169,884	148,066	156,224
Current-period gross charge-offs
Financing receivable, excluding accrued interest, year one, originated, current fiscal year, writeoff			0	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year, writeoff			0	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year, writeoff			0	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year, writeoff			0	0	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year, writeoff			9	0	0
Prior			0	0	0
Revolving Loans Amortized Cost Basis			0	0	0
Revolving Loan Converted to Term			0	0	0
Total			9	0	0
Commercial Real Estate
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	49,229	57,761	49,229	57,761	81,732
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	90,965	170,163	90,965	170,163	171,426
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	150,282	107,813	150,282	107,813	107,035
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	111,833	124,558	111,833	124,558	123,378
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	119,625	42,624	119,625	42,624	42,197
Prior	230,172	229,151	230,172	229,151	217,555
Revolving Loans Amortized Cost Basis	4,314	2,534	4,314	2,534	2,164
Revolving Loan Converted to Term	0	0	0	0	0
Total	756,420	734,604	756,420	734,604	745,487
Current-period gross charge-offs
Financing receivable, excluding accrued interest, year one, originated, current fiscal year, writeoff			0	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year, writeoff			0	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year, writeoff			0	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year, writeoff			0	0	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year, writeoff			0	0	0
Prior			0	0	0
Revolving Loans Amortized Cost Basis			0	0	0
Revolving Loan Converted to Term			0	0	0
Total			0	0	0
Consumer
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	298,154	322,193	298,154	322,193	405,307
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	326,159	385,232	326,159	385,232	356,000
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	271,082	216,796	271,082	216,796	196,350
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	139,622	107,935	139,622	107,935	93,918
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	58,299	53,714	58,299	53,714	44,287
Prior	26,448	21,309	26,448	21,309	15,337
Revolving Loans Amortized Cost Basis	477	458	477	458	468
Revolving Loan Converted to Term	0	0	0	0	0
Total	1,120,241	1,107,637	1,120,241	1,107,637	1,111,667
Current-period gross charge-offs
Financing receivable, excluding accrued interest, year one, originated, current fiscal year, writeoff			1,125	192	366
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year, writeoff			610	915	1,368
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year, writeoff			1,365	1,689	2,122
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year, writeoff			943	477	604
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year, writeoff			278	299	397
Prior			191	234	266
Revolving Loans Amortized Cost Basis			0	0	0
Revolving Loan Converted to Term			0	0	0
Total	1,388	1,204	4,512	3,806	5,123
Residential
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	112,717	106,267	112,717	106,267	161,878
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	178,990	235,027	178,990	235,027	231,365
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	228,877	194,550	228,877	194,550	193,032
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	185,720	119,523	185,720	119,523	117,117
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	110,073	77,116	110,073	77,116	74,002
Prior	346,584	307,228	346,584	307,228	299,203
Revolving Loans Amortized Cost Basis	130,431	108,599	130,431	108,599	122,933
Revolving Loan Converted to Term	0	0	0	0	0
Total	1,293,392	1,148,310	1,293,392	1,148,310	1,199,530
Current-period gross charge-offs
Financing receivable, excluding accrued interest, year one, originated, current fiscal year, writeoff			0	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year, writeoff			0	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year, writeoff			0	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year, writeoff			0	0	21
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year, writeoff			0	0	0
Prior			41	6	33
Revolving Loans Amortized Cost Basis			0	0	0
Revolving Loan Converted to Term			0	0	0
Total	41	0	41	6	54
Satisfactory | Commercial
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	28,301	37,300	28,301	37,300	54,584
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	46,534	36,456	46,534	36,456	34,047
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	26,991	23,602	26,991	23,602	23,470
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	18,424	10,622	18,424	10,622	9,655
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	7,077	4,799	7,077	4,799	4,107
Prior	19,200	21,459	19,200	21,459	13,360
Revolving Loans Amortized Cost Basis	15,674	10,328	15,674	10,328	8,586
Revolving Loan Converted to Term	0	0	0	0	0
Total	162,201	144,566	162,201	144,566	147,809
Satisfactory | Commercial Real Estate
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	49,229	57,761	49,229	57,761	81,582
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	90,818	157,741	90,818	157,741	151,818
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	137,343	106,128	137,343	106,128	105,365
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	109,829	121,968	109,829	121,968	120,845
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	117,259	41,827	117,259	41,827	41,406
Prior	195,942	184,590	195,942	184,590	174,516
Revolving Loans Amortized Cost Basis	3,543	2,035	3,543	2,035	1,667
Revolving Loan Converted to Term	0	0	0	0	0
Total	703,963	672,050	703,963	672,050	677,199
Special mention | Commercial
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	38	0	38	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	80	0	80	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	220	0	220	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	0	128	0	128	117
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	87	0	87	0	0
Prior	1,200	0	1,200	0	0
Revolving Loans Amortized Cost Basis	1,683	0	1,683	0	0
Revolving Loan Converted to Term	0	0	0	0	0
Total	3,308	128	3,308	128	117
Special mention | Commercial Real Estate
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	0	0	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	0	3,123	0	3,123	10,439
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	12,764	0	12,764	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	0	0	0	0	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	0	0	0	0	0
Prior	11,003	4,150	11,003	4,150	4,084
Revolving Loans Amortized Cost Basis	0	0	0	0	0
Revolving Loan Converted to Term	0	0	0	0	0
Total	23,767	7,273	23,767	7,273	14,523
Substandard | Commercial
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	0	0	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	0	0	0	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	0	0	0	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	0	0	0	0	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	0	26	0	26	0
Prior	3,063	3,245	3,063	3,245	3,199
Revolving Loans Amortized Cost Basis	1,312	101	1,312	101	5,099
Revolving Loan Converted to Term	0	0	0	0	0
Total	4,375	3,372	4,375	3,372	8,298
Substandard | Commercial Real Estate
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	0	0	0	150
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	147	9,299	147	9,299	9,169
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	175	1,685	175	1,685	1,670
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	2,004	2,590	2,004	2,590	2,533
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	2,366	797	2,366	797	791
Prior	23,227	40,411	23,227	40,411	38,955
Revolving Loans Amortized Cost Basis	771	499	771	499	497
Revolving Loan Converted to Term	0	0	0	0	0
Total	28,690	55,281	28,690	55,281	53,765
Doubtful | Commercial
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	0	0	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	0	0	0	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	0	0	0	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	0	0	0	0	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	0	0	0	0	0
Prior	0	0	0	0	0
Revolving Loans Amortized Cost Basis	0	0	0	0	0
Revolving Loan Converted to Term	0	0	0	0	0
Total	0	0	0	0	0
Doubtful | Commercial Real Estate
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	0	0	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	0	0	0	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	0	0	0	0	0
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	0	0	0	0	0
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	0	0	0	0	0
Prior	0	0	0	0	0
Revolving Loans Amortized Cost Basis	0	0	0	0	0
Revolving Loan Converted to Term	0	0	0	0	0
Total	0	0	0	0	0
Performing | Consumer
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	298,014	322,084	298,014	322,084	405,099
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	325,751	384,607	325,751	384,607	355,217
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	270,669	216,234	270,669	216,234	195,799
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	139,101	107,743	139,101	107,743	93,708
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	58,060	53,646	58,060	53,646	44,206
Prior	26,417	21,276	26,417	21,276	15,252
Revolving Loans Amortized Cost Basis	477	0	477	0	0
Revolving Loan Converted to Term	0	0	0	0	0
Total	1,118,489	1,105,590	1,118,489	1,105,590	1,109,281
Performing | Residential
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	112,717	106,267	112,717	106,267	161,878
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	178,789	235,027	178,789	235,027	231,365
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	228,354	191,780	228,354	191,780	192,588
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	184,861	118,517	184,861	118,517	116,451
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	109,638	76,518	109,638	76,518	73,875
Prior	343,929	305,076	343,929	305,076	296,935
Revolving Loans Amortized Cost Basis	130,129	108,098	130,129	108,098	122,573
Revolving Loan Converted to Term	0	0	0	0	0
Total	1,288,417	1,141,283	1,288,417	1,141,283	1,195,665
Nonperforming | Consumer
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	140	109	140	109	208
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	408	625	408	625	783
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	413	562	413	562	551
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	521	192	521	192	210
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	239	68	239	68	81
Prior	31	33	31	33	85
Revolving Loans Amortized Cost Basis	0	458	0	458	468
Revolving Loan Converted to Term	0	0	0	0	0
Total	1,752	2,047	1,752	2,047	2,386
Nonperforming | Residential
Total Loans
Financing receivable, excluding accrued interest, year one, originated, current fiscal year	0	0	0	0	0
Financing receivable, excluding accrued interest, year two, originated, fiscal year before current fiscal year	201	0	201	0	0
Financing receivable, excluding accrued interest, year three, originated, two years before current fiscal year	523	2,770	523	2,770	444
Financing receivable, excluding accrued interest, year four, originated, three years before current fiscal year	859	1,006	859	1,006	666
Financing receivable, excluding accrued interest, year five, originated, four years before current fiscal year	435	598	435	598	127
Prior	2,655	2,152	2,655	2,152	2,268
Revolving Loans Amortized Cost Basis	302	501	302	501	360
Revolving Loan Converted to Term	0	0	0	0	0
Total	$ 4,975	$ 7,027	$ 4,975	$ 7,027	$ 3,865

Debt - Schedule of Debt (Detail

Debt - Schedule of Debt (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2023
Short-Term Debt [Line Items]
BTFP Advances	$ 95,000	$ 0	$ 150,000
FHLBNY Overnight Advances	0	20,000	10,000
FHLBNY Term Advances	8,600	6,500	14,300
Total Borrowings	103,600	26,500	174,300
Federal Home Loan Bank of New York	595,234	576,602	607,596
Federal Funds Purchased
Short-Term Debt [Line Items]
Maximum Borrowing Capacity	28,000	28,000	52,000
Available Borrowing Capacity	28,000	28,000	52,000
Federal Home Loan Bank Advances
Short-Term Debt [Line Items]
Available Borrowing Capacity	556,634	550,102	449,296
Federal Reserve Bank Advances
Short-Term Debt [Line Items]
Maximum Borrowing Capacity	868,693	738,511	722,493
Available Borrowing Capacity	$ 773,693	$ 738,511	$ 722,493

Debt - Narrative (Details)

Debt - Narrative (Details) $ in Millions	1 Months Ended	3 Months Ended		9 Months Ended
	Nov. 07, 2024 USD ($)	Sep. 30, 2024 USD ($)	Mar. 31, 2024 USD ($)	Sep. 30, 2024 USD ($) class subsidiaryBusinessTrust
Debt Instrument [Line Items]
Repayments of short-term debt		$ 5
Number of classes of financial instruments | class				2
Number of business subsidiary trusts | subsidiaryBusinessTrust				2
Subsequent Event
Debt Instrument [Line Items]
Repayments of short-term debt	$ 95
Interest Rate Swap
Debt Instrument [Line Items]
Amount of hedged item		20		$ 20
Federal Reserve Bank Advances
Debt Instrument [Line Items]
Collateral, at carrying cost		1,100		1,100
Collateral, at fair value		$ 1,100		$ 1,100
Bank Term Funding Program Advance
Debt Instrument [Line Items]
Proceeds from short-term debt			$ 100
Weighted average interest rate (in percent)		4.76%		4.76%
ACST III | London Interbank Offered Rate
Debt Instrument [Line Items]
Basis spread on variable rate (in percent)				2%
ACST III | Secured Overnight Financing Rate (SOFR)
Debt Instrument [Line Items]
Basis spread on variable rate (in percent)				2%
Junior Subordinated Debt, Preferred Securities | ACST II | London Interbank Offered Rate
Debt Instrument [Line Items]
Basis spread on variable rate (in percent)				3.15%
Junior Subordinated Debt, Preferred Securities | ACST II | Secured Overnight Financing Rate (SOFR)
Debt Instrument [Line Items]
Basis spread on variable rate (in percent)				3.15%
Federal Home Loan Bank of New York
Debt Instrument [Line Items]
Collateral, at carrying cost		$ 890		$ 890
Collateral, at fair value		$ 755		$ 755

Debt - Maturities of Short Term

Debt - Maturities of Short Term Debt (Details) - Federal Home Loan Bank Advances - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2023
Balances
First Year	$ 0	$ 4,250	$ 7,800
Second Year	6,900	2,250	6,500
Third Year	0	0	0
Fourth Year	1,700	0	0
Total Borrowings	$ 8,600	$ 6,500	$ 14,300
Weighted Average Rate
First Year	0%	5.80%	5.14%
Second Year	5.33%	5.38%	5.59%
Third Year	0%	0%	0%
Fourth Year	4.85%	0%	0%
Total	5.24%	5.66%	5.38%
Effective rate (in percent)	0%	0%	0%

Debt - Schedule of Long-Term De

Debt - Schedule of Long-Term Debt Instruments (Details) - Junior Subordinated Debt - USD ($)	Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2023
ACST II
Debt Instrument [Line Items]
Balance	$ 10,000,000	$ 10,000,000	$ 10,000,000
Variable Interest Rate (in percent)	8.02%	8.74%	8.81%
Fixed Interest Rate resulting from cash flow hedge agreement (in percent)	4%	4%	4%
ACST III
Debt Instrument [Line Items]
Balance	$ 10,000,000	$ 10,000,000	$ 10,000,000
Variable Interest Rate (in percent)	6.87%	7.59%	7.66%
Fixed Interest Rate resulting from cash flow hedge agreement (in percent)	2.86%	2.86%	2.86%

Commitments and Contingencies -

Commitments and Contingencies - Commitments to Extend Credit and Letters of Credit (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2023
Commitments to Extend Credit
Loan Commitments and Letters of Credit [Line Items]
Notional Amount	$ 487,106	$ 444,256	$ 464,661
Fair Value	0	0	0
Standby Letters of Credit
Loan Commitments and Letters of Credit [Line Items]
Notional Amount	4,586	3,824	4,201
Fair Value		$ 0	$ 10
Standby Letters Of Credit, Including Adjustments
Loan Commitments and Letters of Credit [Line Items]
Fair Value	$ (14)

Commitments and Contingencies_2

Commitments and Contingencies - Additional Information (Details)	Aug. 26, 2024 claim	Dec. 12, 2023 defendant	Sep. 30, 2024
Other Commitments [Line Items]
Number of claims settled | claim	2
Number of defendants | defendant		3
Minimum | Standby Letters of Credit
Other Commitments [Line Items]
Loan commitments, fixed fee (in percent)			1%
Maximum | Standby Letters of Credit
Other Commitments [Line Items]
Loan commitments, fixed fee (in percent)			3%

Comprehensive Income - Schedule

Comprehensive Income - Schedule of Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Before-Tax Amount
Other Comprehensive (Loss) Income, before tax	$ 7,631	$ (6,697)	$ 10,036	$ (3,945)
Tax (Expense) Benefit
Other Comprehensive (Loss) Income, tax	(1,967)	1,726	(2,588)	1,016
Net-of-Tax Amount
Other comprehensive (loss) income before reclassifications	5,818	(5,161)	7,934	(3,445)
Reclassification from AOCI, current period	(154)	190	(486)	516
Other Comprehensive Income (Loss)	5,664	(4,971)	7,448	(2,929)
Net Unrealized Securities Holding Gain on Securities Available-for-Sale Arising During the Period
Before-Tax Amount
OCI, before reclassifications	12,505	(7,796)	11,457	(4,763)
Tax (Expense) Benefit
Other comprehensive (loss) income before reclassifications, tax	(3,223)	2,010	(2,954)	1,227
Net-of-Tax Amount
Other comprehensive (loss) income before reclassifications	9,282	(5,786)	8,503	(3,536)
Reclassification from AOCI, current period	0	0	0	0
Other Comprehensive Income (Loss)	9,282	(5,786)	8,503	(3,536)
Net Unrealized Gain (Loss) on Cash Flow Swap
Before-Tax Amount
OCI, before reclassifications	(4,667)	846	(766)	125
Reclassification from AOCI, current period	(196)	242	(624)	660
Tax (Expense) Benefit
Other comprehensive (loss) income before reclassifications, tax	1,203	(221)	197	(34)
Reclassification from AOCI, current period	50	(61)	161	(169)
Net-of-Tax Amount
Other comprehensive (loss) income before reclassifications	(3,464)	625	(569)	91
Reclassification from AOCI, current period	(146)	181	(463)	491
Other Comprehensive Income (Loss)	(3,610)	806	(1,032)	582
Amortization of Net Retirement Plan Actuarial (Gain)
Before-Tax Amount
Reclassification from AOCI, current period	(78)	(40)	(235)	(121)
Tax (Expense) Benefit
Reclassification from AOCI, current period	20	10	61	31
Net-of-Tax Amount
Other comprehensive (loss) income before reclassifications	0	0	0	0
Reclassification from AOCI, current period	(58)	(30)	(174)	(90)
Other Comprehensive Income (Loss)	(58)	(30)	(174)	(90)
Amortization of Net Retirement Plan Prior Service Cost
Before-Tax Amount
Reclassification from AOCI, current period	67	51	204	154
Tax (Expense) Benefit
Reclassification from AOCI, current period	(17)	(12)	(53)	(39)
Net-of-Tax Amount
Other comprehensive (loss) income before reclassifications	0	0	0	0
Reclassification from AOCI, current period	50	39	151	115
Other Comprehensive Income (Loss)	$ 50	$ 39	$ 151	$ 115

Comprehensive Income - Changes

Comprehensive Income - Changes in Accumulated Other Comprehensive Income By Component (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	$ 383,018	$ 361,443	$ 379,772	$ 353,538
Other comprehensive income or loss before reclassifications	5,818	(5,161)	7,934	(3,445)
Amounts reclassified from accumulated other comprehensive income or loss	(154)	190	(486)	516
Other Comprehensive Income (Loss)	5,664	(4,971)	7,448	(2,929)
Ending balance	393,311	360,014	393,311	360,014
AOCI Attributable to Parent
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(31,632)	(47,613)	(33,416)	(49,655)
Other Comprehensive Income (Loss)	5,664	(4,971)	7,448	(2,929)
Ending balance	(25,968)	(52,584)	(25,968)	(52,584)
Net Unrealized Securities Holding Gain on Securities Available-for-Sale Arising During the Period
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(32,427)	(46,591)	(31,648)	(48,841)
Other comprehensive income or loss before reclassifications	9,282	(5,786)	8,503	(3,536)
Amounts reclassified from accumulated other comprehensive income or loss	0	0	0	0
Other Comprehensive Income (Loss)	9,282	(5,786)	8,503	(3,536)
Ending balance	(23,145)	(52,377)	(23,145)	(52,377)
Net Unrealized Gain (Loss) on Cash Flow Swap
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	4,289	3,830	1,711	4,054
Other comprehensive income or loss before reclassifications	(3,464)	625	(569)	91
Amounts reclassified from accumulated other comprehensive income or loss	(146)	181	(463)	491
Other Comprehensive Income (Loss)	(3,610)	806	(1,032)	582
Ending balance	679	4,636	679	4,636
Net Actuarial Gain (Loss)
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(2,955)	(4,527)	(2,839)	(4,467)
Other comprehensive income or loss before reclassifications	0	0	0	0
Amounts reclassified from accumulated other comprehensive income or loss	(58)	(30)	(174)	(90)
Other Comprehensive Income (Loss)	(58)	(30)	(174)	(90)
Ending balance	(3,013)	(4,557)	(3,013)	(4,557)
Net Prior Service (Cost) Credit
AOCI Including Portion Attributable to Noncontrolling Interest, Net of Tax [Roll Forward]
Beginning balance	(539)	(325)	(640)	(401)
Other comprehensive income or loss before reclassifications	0	0	0	0
Amounts reclassified from accumulated other comprehensive income or loss	50	39	151	115
Other Comprehensive Income (Loss)	50	39	151	115
Ending balance	$ (489)	$ (286)	$ (489)	$ (286)

Comprehensive Income - Reclassi

Comprehensive Income - Reclassification out of Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Interest expense	$ 21,005	$ 16,764	$ 62,047	$ 39,021
Salaries and Employee Benefits	13,446	11,988	39,375	35,974
Total before Tax	11,537	9,570	32,136	28,138
Provision for income taxes	(2,562)	(1,827)	(6,897)	(5,786)
NET INCOME	8,975	7,743	25,239	22,352
Amounts Reclassified from Accumulated Other Comprehensive Income | Net Unrealized Gain (Loss) on Cash Flow Swap
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Interest expense	196	(242)	624	(660)
Amounts Reclassified from Accumulated Other Comprehensive Income | Amortization of Net Retirement Plan Prior Service Cost
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Salaries and Employee Benefits	(67)	(51)	(204)	(154)
Amounts Reclassified from Accumulated Other Comprehensive Income | Amortization of Defined Benefit Pension, Actuarial Gain
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Salaries and Employee Benefits	78	40	235	121
Amounts Reclassified from Accumulated Other Comprehensive Income | Accumulated Defined Benefit Plans Adjustment
Reclassification out of Accumulated Other Comprehensive Income [Line Items]
Total before Tax	207	(253)	655	(693)
Provision for income taxes	(53)	63	(169)	177
NET INCOME	$ 154	$ (190)	$ 486	$ (516)

Stock-Based Compensation - Narr

Stock-Based Compensation - Narrative (Details)	1 Months Ended		9 Months Ended
	May 31, 2024	Oct. 31, 2023	Sep. 30, 2024 plan shares	Dec. 31, 2023 shares	Sep. 30, 2023 shares	Dec. 31, 2022 shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of plans | plan			3
Discount from market price (in percent)			5%
Restricted Stock Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period (in years)	4 years
Outstanding (in shares)			21,818	0
Employee Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period (in years)			4 years
Award expiration period (in years)			10 years
Restricted Stock Units (RSU)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period (in years)			3 years
Percentage of awards			100%
Outstanding (in shares)			0		0	13,925
Employee Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Discount from market price (in percent)		10%	5%

Stock Based Compensation - Rest

Stock Based Compensation - Restricted Stock Awards And Restricted Stock Units Information (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Restricted Stock Awards
Restricted Stock Units
Beginning balance, nonvested (in shares)			0
Granted (in shares)			22,230
Vested (in shares)			(412)
Forfeited (in shares)			0
Ending balance, nonvested (in shares)	21,818		21,818
Weighted Average Grant Date Fair Value
Amount expensed	$ 33	$ 0	$ 54	$ 0
Restricted Stock Units (RSU)
Restricted Stock Units
Beginning balance, nonvested (in shares)				13,925
Granted (in shares)				5,164
Vested (in shares)				(19,089)
Ending balance, nonvested (in shares)	0	0	0	0
Weighted Average Grant Date Fair Value
Beginning balance, nonvested (in dollars per share)				$ 30.47
Granted (in dollars per share)				31.47
Vested (in dollars per share)				30.74
Ending balance, nonvested (in dollars per share)
Amount expensed	$ 0	$ 246	$ 0	$ 321

Stock-Based Compensation - Stoc

Stock-Based Compensation - Stock-Based Compensation Expense (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Restricted Stock Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Amount expensed	$ 33	$ 0	$ 54	$ 0
Restricted Stock Units (RSU)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Amount expensed	0	246	0	321
Employee Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Amount expensed	$ (7)	$ 24	$ 152	$ 196

Stock-Based Compensation - St_2

Stock-Based Compensation - Stock Option Activity (Details)	9 Months Ended
	Sep. 30, 2024 $ / shares shares
Shares
Outstanding, beginning of period (in shares) | shares	305,308
Exercised (in shares) | shares	(8,620)
Forfeited (in shares) | shares	(40,063)
Outstanding, end of period (in shares) | shares	256,625
Vested at period end (in shares) | shares	200,923
Expected to vest (in shares) | shares	55,702
Weighted Average Exercise Price
Outstanding at beginning of period (in dollars per share) | $ / shares	$ 28.96
Exercised (in dollars per share) | $ / shares	19.33
Forfeited (in dollars per share) | $ / shares	28.47
Outstanding, end of period (in dollars per share) | $ / shares	29.36
Vested at period end (in dollars per share) | $ / shares	28.75
Expected to vest (in dollars per share) | $ / shares	$ 31.55

Retirement Benefit Plans (Detai

Retirement Benefit Plans (Details) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)	Dec. 31, 2023
Defined Benefit Plan Disclosure [Line Items]
Interest credit under cash balance plan			0.03
Employer matching contribution, percent of match, maximum			5%
Defined benefit plan, service cost and interest cost					$ 3,300
Defined benefit plan, unamortized net loss					$ 7,200
Defined benefit plan, benefit obligation from lump sum payment to total benefit obligation ratio (in percent)					8.06%
Defined benefit plan, net periodic benefit cost, loss due to settlement					$ 577
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 (in percent)	3%		3%
Defined benefit plan, benefit obligation, increase (decrease) for plan amendment			$ 351,638
Defined benefit plan, amortization of service cost (in years)			9 years 8 months 12 days
Net Periodic Benefit Cost
Service Cost	$ 423	$ 398	$ 1,269	$ 1,195
Interest Cost (Benefit)	562
Interest Cost		524	1,682	1,573
Expected Return on Plan Assets	(928)	(854)	(2,783)	(2,562)
Amortization of Prior Service Cost	32	16	98	47
Amortization of Net Loss (Gain)	0	30	0	89
Net Periodic Benefit Cost	89	114	266	342
Plan Contributions During the Period	0	0	0	0
Estimated Future Contributions in the Current Fiscal Year	0		$ 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 (in years)			12 years 6 months
Defined benefit plan, benefit obligation, period increase (decrease)			$ 122,797
Net Periodic Benefit Cost
Service Cost	20	143	59	428
Interest Cost (Benefit)	(157)
Interest Cost		85	3	244
Expected Return on Plan Assets	237	0	237	0
Amortization of Prior Service Cost	9	9	29	29
Amortization of Net Loss (Gain)	6	18	18	55
Net Periodic Benefit Cost	115	255	346	756
Plan Contributions During the Period	127	99	382	325
Estimated Future Contributions in the Current Fiscal Year	127		127
Postretirement Benefit Plans
Defined Benefit Plan Disclosure [Line Items]
Assumptions used calculating benefit obligation, interest rate to annuitize cash balance account						5.83%
Net Periodic Benefit Cost
Service Cost	11	14	34	42
Interest Cost (Benefit)	79
Interest Cost		82	239	249
Expected Return on Plan Assets	0	0	0	0
Amortization of Prior Service Cost	26	26	77	78
Amortization of Net Loss (Gain)	(84)	(88)	(253)	(265)
Net Periodic Benefit Cost	32	34	97	104
Plan Contributions During the Period	31	$ 28	112	$ 75
Estimated Future Contributions in the Current Fiscal Year	$ 37		$ 37
On or 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%

Earnings Per Common Share (Deta

Earnings Per Common Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Earnings Per Share [Abstract]
Net Income	$ 8,975	$ 7,743	$ 25,239	$ 22,352
Weighted Average Shares - Basic (in shares)	16,710	17,050	16,746	17,049
Earnings Per Share - Basic (in dollars per share)	$ 0.54	$ 0.46	$ 1.51	$ 1.31
Dilutive Average Shares Attributable to Stock Options (in shares)	32	0	26	0
Weighted Average Shares - Diluted (in shares)	16,742	17,050	16,772	17,049
Earnings Per Share - Diluted (in dollars per share)	$ 0.53	$ 0.46	$ 1.50	$ 1.31

Fair Values - Recurring and Non

Fair Values - Recurring and Nonrecurring (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale at Fair Value	$ 437,067	$ 497,769	$ 519,240
Equity Securities	5,089	1,925	1,960
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale at Fair Value	437,067	497,769	519,240
Equity Securities	5,089	1,925	1,960
Total Securities Measured on a Recurring Basis	442,156	499,694	521,200
Derivative Assets	15,198	12,057	8,860
Total Measured on a Recurring Basis	457,354	511,751	530,060
Derivative Liabilities	14,297	9,598	8,733
Total Measured on a Recurring Basis	14,297	9,598	8,733
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 at Fair Value	0	0	0
Equity Securities	2,987	0	0
Total Securities Measured on a Recurring Basis	2,987	0	0
Derivative Assets	0	0	0
Total Measured on a Recurring Basis	2,987	0	0
Derivative Liabilities	0	0	0
Total Measured on a Recurring Basis	0	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 at Fair Value	437,067	497,769	519,240
Equity Securities	2,102	1,925	1,960
Total Securities Measured on a Recurring Basis	439,169	499,694	521,200
Derivative Assets	15,198	12,057	8,860
Total Measured on a Recurring Basis	454,367	511,751	530,060
Derivative Liabilities	14,297	9,598	8,733
Total Measured on a Recurring Basis	14,297	9,598	8,733
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 at Fair Value	0	0	0
Equity Securities	0	0	0
Total Securities Measured on a Recurring Basis	0	0	0
Derivative Assets	0	0	0
Total Measured on a Recurring Basis	0	0	0
Derivative Liabilities	0	0	0
Total Measured on a Recurring Basis	0	0	0
Fair Value, Measurements, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral Dependent Evaluated Loans	0	0	0
Collateral Dependent Impaired Loans, Gains (Losses) Recognized in Earnings
Other Real Estate Owned and Repossessed Assets, Net	399	312	526
Other Real Estate owned and Repossessed Assets, Net, Gains (Losses) Recognized in Earnings	0	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 Evaluated Loans	0	0	0
Other Real Estate Owned and Repossessed Assets, Net	0	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 Evaluated Loans	0	0	0
Other Real Estate Owned and Repossessed Assets, Net	0	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 Evaluated Loans	0	0	0
Other Real Estate Owned and Repossessed Assets, Net	399	312	526
U.S. Treasuries
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale at Fair Value	50,024	74,004	0
U.S. Treasuries | Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale at Fair Value	50,024	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 at Fair Value	0	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 at Fair Value	50,024	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 at Fair Value	0	0
U.S. Government & Agency Obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale at Fair Value	141,350	152,925	176,421
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 at Fair Value	141,350	152,925	176,421
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 at Fair Value	0	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 at Fair Value	141,350	152,925	176,421
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 at Fair Value	0	0	0
State and Municipal Obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale at Fair Value	240	280	280
State and Municipal Obligations | Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale at Fair Value	240	280	280
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 at Fair Value	0	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 at Fair Value	240	280	280
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 at Fair Value	0	0	0
Mortgage-Backed Securities - Residential | Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale at Fair Value	244,496	269,760	341,739
Mortgage-Backed Securities - Residential | Fair Value, Measurements, Recurring | Quoted Prices In Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale at Fair Value	0	0	0
Mortgage-Backed Securities - Residential | Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale at Fair Value	244,496	269,760	341,739
Mortgage-Backed Securities - Residential | Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-Sale at Fair Value	0	0	0
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 at Fair Value	957	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 at Fair Value	0	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 at Fair Value	957	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 at Fair Value	$ 0	$ 0	$ 0

Fair Values - Fair Value by Bal

Fair Values - Fair Value by Balance Sheet Grouping (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Dec. 31, 2022
Carrying Value
Cash and Cash Equivalents	$ 340,088	$ 142,536	$ 294,739	$ 64,660
Securities Available-for-Sale	437,067	497,769	519,240
Held-To-Maturity Securities, at Amortized Cost	103,337	131,395	140,577
Equity Securities	5,089	1,925	1,960
Net Loans	3,308,675	3,181,643	3,107,505
Deposits	3,837,457	3,687,566	3,666,485
Borrowings	103,600	26,500	174,300
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000	20,000
Fair Value
Securities Available-for-Sale	437,067	497,769	519,240
Securities Held-to-Maturity	101,929	128,837	134,811
Equity Securities	5,089	1,925	1,960
Carrying Amount
Carrying Value
Cash and Cash Equivalents	340,088	142,536	294,739
Securities Available-for-Sale	437,067	497,769	519,240
Held-To-Maturity Securities, at Amortized Cost	103,337	131,395	140,577
Equity Securities	5,089	1,925	1,960
Federal Home Loan Bank and Federal Reserve Bank Stock	4,352	5,049	5,110
Net Loans	3,308,675	3,181,643	3,107,505
Accrued Interest Receivable	12,492	11,076	11,163
Derivative Assets	15,198	12,057	8,860
Deposits	3,837,457	3,687,566	3,666,485
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000	20,000
Accrued Interest Payable	7,468	6,289	7,432
Derivative Liabilities	14,297	9,598	8,733
Fair Value
Securities Available-for-Sale	437,067	497,769	519,240
Equity Securities	5,089	1,925	1,960
Derivative Assets	15,198	12,057	8,860
Derivative Liabilities	14,297	9,598	8,733
Fair Value
Carrying Value
Securities Available-for-Sale	437,067	497,769	519,240
Equity Securities	5,089	1,925	1,960
Derivative Assets	15,198	12,057	8,860
Derivative Liabilities	14,297	9,598	8,733
Fair Value
Cash and Cash Equivalents	340,088	142,536	294,739
Securities Available-for-Sale	437,067	497,769	519,240
Securities Held-to-Maturity	101,929	128,837	134,811
Equity Securities	5,089	1,925	1,960
Federal Home Loan Bank and Federal Reserve Bank Stock, Fair Value	4,352	5,049	5,110
Net Loans	3,107,250	2,940,318	2,867,016
Accrued Interest Receivable	12,492	11,076	11,163
Derivative Assets	15,198	12,057	8,860
Deposits	3,834,428	3,683,122	3,660,360
Borrowings	103,705	26,189	173,709
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000	20,000
Accrued Interest Payable	7,468	6,289	7,432
Derivative Liabilities	14,297	9,598	8,733
Quoted Prices In Active Markets for Identical Assets (Level 1) | Fair Value
Carrying Value
Securities Available-for-Sale	0	0	0
Equity Securities	2,987		0
Derivative Assets		0	0
Derivative Liabilities	0	0	0
Fair Value
Cash and Cash Equivalents	340,088	142,536	294,739
Securities Available-for-Sale	0	0	0
Securities Held-to-Maturity	0	0	0
Equity Securities	2,987		0
Federal Home Loan Bank and Federal Reserve Bank Stock, Fair Value	0	0	0
Net Loans	0	0	0
Accrued Interest Receivable	0	0	0
Derivative Assets		0	0
Deposits	0	0	0
Borrowings	0	0	0
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	0	0	0
Accrued Interest Payable	0	0	0
Derivative Liabilities	0	0	0
Significant Other Observable Inputs (Level 2) | Fair Value
Carrying Value
Securities Available-for-Sale	437,067	497,769	519,240
Equity Securities	2,102	1,925	1,960
Derivative Assets	15,198	12,057	8,860
Derivative Liabilities	14,297	9,598	8,733
Fair Value
Cash and Cash Equivalents	0	0	0
Securities Available-for-Sale	437,067	497,769	519,240
Securities Held-to-Maturity	101,929	128,837	134,811
Equity Securities	2,102	1,925	1,960
Federal Home Loan Bank and Federal Reserve Bank Stock, Fair Value	4,352	5,049	5,110
Net Loans	0	0	0
Accrued Interest Receivable	12,492	11,076	11,163
Derivative Assets	15,198	12,057	8,860
Deposits	3,834,428	3,683,122	3,660,360
Borrowings	103,705	26,189	173,709
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	20,000	20,000	20,000
Accrued Interest Payable	7,468	6,289	7,432
Derivative Liabilities	14,297	9,598	8,733
Significant Unobservable Inputs (Level 3) | Fair Value
Carrying Value
Securities Available-for-Sale	0	0	0
Equity Securities	0
Derivative Assets		0	0
Derivative Liabilities	0	0	0
Fair Value
Cash and Cash Equivalents	0	0	0
Securities Available-for-Sale	0	0	0
Securities Held-to-Maturity	0	0	0
Equity Securities	0
Federal Home Loan Bank and Federal Reserve Bank Stock, Fair Value	0	0	0
Net Loans	3,107,250	2,940,318	2,867,016
Accrued Interest Receivable	0	0	0
Derivative Assets		0	0
Deposits	0	0	0
Borrowings	0	0	0
Junior Subordinated Obligations Issued to Unconsolidated Subsidiary Trusts	0	0	0
Accrued Interest Payable	0	0	0
Derivative Liabilities	$ 0	$ 0	$ 0

Leases - Narrative (Details)

Leases - Narrative (Details) $ in Thousands		9 Months Ended
	Jun. 14, 2024 USD ($)	Sep. 30, 2024 bank office
Lessee, Lease, Description [Line Items]
Number of branch offices | office		2
Number of banks | bank		2
Stewart’s Shops Corp.
Lessee, Lease, Description [Line Items]
Sale-leaseback agreement, sale price of property	$ 1,100
Sale-leaseback agreement, gain (loss)	377
Sale-leaseback agreement, monthly rental payments	$ 5

Leases - Quantitative Lease Dat

Leases - Quantitative Lease Data (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Finance Lease Amounts:
Right-of-Use Assets	$ 4,327	$ 4,504	$ 4,327	$ 4,504
Lease Liabilities	5,022	5,080	5,022	5,080	$ 5,066
Operating Lease Amounts:
Right-of-Use Assets	4,792	4,978	4,792	4,978
Lease Liabilities	$ 5,007	$ 5,179	5,007	5,179
Cash Paid For Amounts Included In The Measurement Of Lease Liabilities:
Operating Outgoing Cash Flows From Finance Leases			142	143
Operating Outgoing Cash Flows From Operating Leases			471	781
Financing Outgoing Cash Flows From Finance Leases			44	39
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			$ 326	$ 19
Weighted-average Remaining Lease Term - Finance Leases (Yrs.)	25 years 6 months 29 days	26 years 6 months 14 days	25 years 6 months 29 days	26 years 6 months 14 days
Weighted-average Remaining Lease Term - Operating Leases (Yrs.)	10 years 5 months 8 days	11 years 5 months 12 days	10 years 5 months 8 days	11 years 5 months 12 days
Weighted-average Discount Rate—Finance Leases	3.75%	3.75%	3.75%	3.75%
Weighted-average Discount Rate—Operating Leases	3.37%	3.01%	3.37%	3.01%
Finance Lease Cost:
Reduction of Right-of-Use Assets	$ 44	$ 44	$ 132	$ 132
Interest on Lease Liabilities	47	46	142	143
Operating Lease Cost	203	195	597	786
Short-term Lease Cost	7	11	28	46
Variable Lease Cost	32	58	177	179
Total Lease Cost	$ 333	$ 354	$ 1,076	$ 1,286

Leases - Future Lease Payments

Leases - Future Lease Payments on Finance and Operating Leases (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2023
Operating Leases
2025	$ 796
2026	715
2027	659
2028	549
2029	534
Thereafter	2,745
Total Undiscounted Cash Flows	5,998
Less: Net Present Value Adjustment	991
Lease Liabilities	5,007		$ 5,179
Financing Leases
2025	258
2026	268
2027	268
2028	268
2029	273
Thereafter	6,791
Total Undiscounted Cash Flows	8,126
Less: Net Present Value Adjustment	3,104
Lease Liabilities	$ 5,022	$ 5,066	$ 5,080

Derivative Instruments and He_3

Derivative Instruments and Hedging Activities - Interest Rate Swap Agreements And Fair Value Agreements (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2023
Not Designated as Hedging Instrument | Interest Rate Swap
Derivative [Line Items]
Derivative Assets	$ 4,153	$ 6,208	$ 8,733
Derivative Liabilities	4,153	6,208	8,733
Notional amount	105,935	123,197	124,350
Designated as Hedging Instrument | Interest Rate Swap
Derivative [Line Items]
Notional amount	125,000
Designated as Hedging Instrument | Fair Value Swap
Derivative [Line Items]
Derivative Assets	0	0	885
Derivative Liabilities	6,541	5,678	0
Notional amount	$ 300,000	$ 300,000	$ 300,000

Derivative Instruments and He_4

Derivative Instruments and Hedging Activities - Narrative (Details) $ in Thousands	Nov. 07, 2024	Sep. 30, 2024 USD ($)	Dec. 31, 2023 USD ($) instrument	Sep. 30, 2023 USD ($) instrument
Bank Term Funding Program Advance
Derivative [Line Items]
Weighted average interest rate (in percent)		4.76%
Certificates of Deposit | Subsequent Event
Derivative [Line Items]
Weighted average interest rate (in percent)	4.70%
Fair Value Swap | Designated as Hedging Instrument
Derivative [Line Items]
Notional amount		$ 300,000	$ 300,000	$ 300,000
Fair Value Swap | Fair Value Hedging | Designated as Hedging Instrument
Derivative [Line Items]
Number of instruments held | instrument				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 | instrument			2
Notional amount		$ 125,000
Fixed interest rate (in percent)		3.29%
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	9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Hedged Asset	$ 6,544	$ (758)	$ 5,849
Fair value derivative designated as hedging instrument	(6,541)	885	(5,828)
Total (loss) gain recognized in the consolidated statements of income with interest and fees on loans	$ 3	$ 127	$ 21

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	Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2023
Derivative [Line Items]
Carrying Value of Portfolio Layer Method Hedged Asset	$ 306,544	$ 305,849	$ 299,242
Cumulative Fair Value Hedging Adjustment	$ 6,544	$ 5,849	$ (758)

Derivative Instruments and He_7

Derivative Instruments and Hedging Activities - Cash Flow Hedge Agreements (Details) - Designated as Hedging Instrument - USD ($) $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
2024 Interest Rate Swaps
Derivative [Line Items]
Fair value adjustment included in other liabilities	$ 287	$ 0	$ 0
Amount of gain (loss) recognized in AOCI	(287)	0	0
Amount of loss reclassified from AOCI interest expense	0	0	0
2023 Interest Rate Swaps
Derivative [Line Items]
Fair value adjustment included in other liabilities	3,316	0	2,710
Amount of gain (loss) recognized in AOCI	747	0	(2,553)
Amount of loss reclassified from AOCI interest expense	1,353	0	157
Interest Rate Swap, Subordinated Trust Securities
Derivative [Line Items]
Derivative Assets	4,501	6,230	4,998
Amount of gain (loss) recognized in AOCI	(1,226)	125	(1,355)
Amount of loss reclassified from AOCI interest expense	$ 729	$ 660	$ 907

Branch Acquisition - Narrative

Branch Acquisition - Narrative (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Aug. 02, 2024	Dec. 31, 2023	Sep. 30, 2023
Business Acquisition [Line Items]
Goodwill	$ 23,789		$ 21,873	$ 21,873
Whitehall Branch
Business Acquisition [Line Items]
Intangible assets		$ 955
Goodwill		$ 1,510

Branch Acquisition - Assets Acq

Branch Acquisition - Assets Acquired And Liabilities Assumed (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Aug. 02, 2024	Dec. 31, 2023	Sep. 30, 2023
Business Acquisition [Line Items]
Goodwill	$ 23,789		$ 21,873	$ 21,873
Whitehall Branch
Business Acquisition [Line Items]
Total consideration received		$ 32,307
Total assets acquired		3,866
Total liabilities assumed		(37,683)
Total Fair Value of Identifiable Net Assets		(33,817)
Goodwill		$ 1,510