Other Events. On July 22, 2026 , the Board of Directors (the “Board”) of the Company declared a quarterly cash dividend of $0.30 per share payable August 25, 2026 to shareholders of record on August 11, 2026.

Results of Operations and Financial Condition. On July 23, 2026, Arrow Financial Corporation (the "Company") issued a press release containing unaudited financial information and accompanying discussion for the quarter ended June 30, 2026. A copy of this press release is furnished as Exhibit 99.1 to this report on Form 8-K.

Director, Senior Vice President, Regional President, Mohawk Valley — Rocco F. Arcuri, Sr.: Rocco F. Arcuri, Sr. was appointed as a director and assumed multiple senior roles including Regional President of Mohawk Valley.

Completion of Acquisition or Disposition of Assets On July 1, 2026, Arrow Financial Corporation (the “Company”) closed its previously announced acquisition of Adirondack Bancorp, Inc. (“Adirondack”) and its banking subsidiary Adirondack Bank, which was merged with and into Arrow Bank pursuant to the terms of the Agreement and Plan of Merger (the "Agreement") dated February 25, 2026. The banking system conversion and integration is scheduled to be completed later in 2026 Merger Consideration P…

Other Events. As previously announced, on February 25, 2026, Arrow Financial Corporation, a New York corporation ("Arrow") entered into an Agreement and Plan of Merger (the “Agreement”) with Adirondack Bancorp, Inc., a New York corporation (“Adirondack”) and Arrow Merger Sub, Inc. (“Merger Sub”), a Maryland corporation and wholly owned subsidiary of Arrow. Subject to the terms and conditions of the Agreement, which has been approved by the boards of directors of each party, and pursuant to wh…

Other Events. On April 29, 2026 , the Board of Directors (the “Board”) of the Company declared a quarterly cash dividend of $0.30 per share payable May 26, 2026 to shareholders of record on May 12, 2026.

Results of Operations and Financial Condition. On April 30, 2026, Arrow Financial Corporation (the "Company") issued a press release containing unaudited financial information and accompanying discussion for the quarter ended March 31, 2026. A copy of this press release is furnished as Exhibit 99.1 to this report on Form 8-K.

Regulation FD Disclosure. On February 26, 2026, Arrow made available certain presentation materials related to its proposed acquisition of Adirondack. A copy of the presentation material is included as Exhibit 99.3 to this current report on Form 8-K. The information furnished under this Report, including Exhibit 99.3 shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or subject to the liabilities of that section. The information shall no…

Entry into a Material Definitive Agreement. On February 25, 2026, Arrow Financial Corporation, a New York corporation ("Arrow") entered into an Agreement and Plan of Merger (the “Agreement”) with Adirondack Bancorp, Inc., a New York corporation (“Adirondack”) and Arrow Merger Sub, Inc. (“Merger Sub”), a Maryland corporation and wholly owned subsidiary of Arrow. Subject to the terms and conditions of the Agreement, which has been approved by the boards of directors of each party, Adirondack wi…

Other Events. On January 28, 2026, the Board of Directors (the “Board”) of Arrow Financial Corporation (the “Company”) declared a quarterly cash dividend of $0.30 per share payable February 25, 2026 to shareholders of record on February 11, 2026. A copy of the press release announcing the quarterly cash dividend is furnished as Exhibit 99.1 to this report on Form 8-K.

Results of Operations and Financial Condition. On January 29, 2026, Arrow Financial Corporation (the "Company") issued a press release containing unaudited financial information and accompanying discussion for the year-to-date period ended December 31, 2025. A copy of this press release is furnished as Exhibit 99.1 to this report on Form 8-K. Item 5.02(b). Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain O…

Director — Darrin Jahnel: Appointment of Darrin Jahnel as a director of the Company.

Results of Operations and Financial Condition. On October 30, 2025, Arrow Financial Corporation (the "Company") issued a press release containing unaudited financial information and accompanying discussion for the quarter ended September 30, 2025. A copy of this press release is furnished as Exhibit 99.1 to this report on Form 8-K.

Other Events. On October 29, 2025, the Board of Directors (the “Board”) of the Company declared a quarterly cash dividend of $0.29 per share payable November 24, 2025 to shareholders of record on November 12, 2025.

Results of Operations and Financial Condition. On July 24, 2025, Arrow Financial Corporation (the "Company") issued a press release containing unaudited financial information and accompanying discussion for the quarter ended June 30, 2025. A copy of this press release is furnished as Exhibit 99.1 to this report on Form 8-K.

Other Events. On July 23, 2025, the Board of Directors (the “Board”) of the Company declared a quarterly cash dividend of $0.29 per share payable August 25, 2025 to shareholders of record on August 11, 2025. Additionally on July 23, 2025, the Board authorized m anagement, in its discretion, to repurchase from time to time, in the open market or in privately negotiated transactions, up to an additional $5 million of Arrow common stock.

Senior Executive Vice President and Chief Credit Officer — David D. Kaiser: David D. Kaiser retired and entered into a Professional Services Agreement with the Company.

Results of Operations and Financial Condition. On May 1, 2025, Arrow Financial Corporation (the "Company") issued a press release containing unaudited financial information and accompanying discussion for the quarter ended March 31, 2025. A copy of this press release is furnished as Exhibit 99.1 to this report on Form 8-K.

Other Events. On April 30, 2025, the Board of Directors (the “Board”) of the Company declared a quarterly cash dividend of $0.28 per share payable May 23, 2025 to shareholders of record on May 13, 2025. Additionally on April 30, 2025, the Board authorized m anagement, in its discretion, to repurchase from time to time, in the open market or in privately negotiated transactions, up to an additional $5 million of Arrow common stock.

Chief Credit Officer — David D. Kaiser: David D. Kaiser is retiring and relinquishing his role as Chief Credit Officer.

Results of Operations and Financial Condition. On January 30, 2025, Arrow Financial Corporation (the "Company") issued a press release containing unaudited financial information and accompanying discussion for the year-to-date period ended December 31, 2024. A copy of this press release is furnished as Exhibit 99.1 to this report on Form 8-K.

Other Events. On January 29, 2025, the Board of Directors (the “Board”) of Arrow Financial Corporation (the “Company”) declared a quarterly cash dividend of $0.28 per share payable February 24, 2025 to shareholders of record on February 10, 2025. A copy of the press release announcing the quarterly cash dividend is furnished as Exhibit 99.1 to this report on Form 8-K.

Results of Operations and Financial Condition. On October 31, 2024, Arrow Financial Corporation (the "Company") issued a press release containing unaudited financial information and accompanying discussion for the quarter and year-to-date period ended September 30, 2024. A copy of this press release is furnished as Exhibit 99.1 to this report on Form 8-K.

Other Events On October 2, 2024, the Board of Directors (the “Board”) of Arrow Financial Corporation (the “Company”) declared a quarterly cash dividend of $0.28 per share payable October 29, 2024 to shareholders of record on October 15, 2024. A copy of the press release announcing the combination is furnished as Exhibit 99.1 to this report on Form 8-K.

Results of Operations and Financial Condition. On July 25, 2024, Arrow Financial Corporation (the "Company") issued a press release containing unaudited financial information and accompanying discussion for the quarter and year-to-date period ended June 30, 2024. A copy of this press release is furnished as Exhibit 99.1 to this report on Form 8-K.