Arrow Bank National Association

Headquarters: Glens Falls, New York
Charter: Bank
Assets: $4.5B
Fed district: New York
Regulator: OCC
Holding company: Arrow Financial Corp.

22 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 11, 2026

How these figures are measured

Call-report figures are for Arrow Bank National Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Arrow Bank National Association's published fee schedule; Bank Fee Index medians	Current schedule	Oct 11, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data); FDIC BankFind Suite (call report data)
Entity: Arrow Bank National Association (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: FFIEC call report (bulk data): Standalone quarter: year to date less the prior quarter (Q1 as filed). FDIC BankFind Suite (call report data): One quarter, as reported
Fields: FFIEC call report (bulk data): RIAD4080; FDIC BankFind Suite (call report data): ISERCHGQ
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $540K in Q2 2026, 3.8% above the same quarter a year earlier ($520K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $4.95, the middle of its prices
Arrow Bank National Association: $0 to $15
Arrow Bank National Association: $0 to $15
U.S. median: no median
Overdraft (OD)
Arrow Bank National Association: $32
Arrow Bank National Association: $32
U.S. median: no median
NSF / Returned Item
Arrow Bank National Association: $32
Arrow Bank National Association: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income was about level from Q3 2025 to Q2 2026, at $540K.

Service-charge income, Q2 2026

$540K

$540KQ3 2025

$533KQ4 2025

$539KQ1 2026

$540KQ2 2026

Against the median

Arrow Bank National AssociationMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Arrow Bank National Association · $4.5B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$4B to $4.8B in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Arrow Bank National Association(this institution)	Glens Falls, NY	$4.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bar Harbor Bank & Trust	Bar Harbor, ME	$4.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Capital City Bank	Tallahassee, FL	$4.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Carter Bank & Trust	Martinsville, VA	$4.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Civista Bank	Sandusky, OH	$4.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
First Bank	Hamilton, NJ	$4.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Federal Bank	Lake City, FL	$4.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First State Community Bank	Farmington, MO	$4.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Gate City Bank	Fargo, ND	$4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hills Bank and Trust Company	Hills, IA	$4.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hingham Institution for Savings	Hingham, MA	$4.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
HomeTrust Bank	Asheville, NC	$4.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
International Bank of Commerce	Brownsville, TX	$4.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
NATIONAL COOPERATIVE BANK, N.A.	Hillsboro, OH	$4.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
PeoplesBank	Holyoke, MA	$4.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Primis Bank	Tappahannock, VA	$4.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Southern First Bank	Greenville, SC	$4.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Spencer Savings Bank, SLA	Elmwood Park, NJ	$4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
State Bank of India	Chicago, IL	$4.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Sunwest Bank	Sandy, UT	$4.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas Bank and Trust Company	Longview, TX	$4.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Texas Exchange Bank	Crowley, TX	$4.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Fidelity Bank	Fuquay Varina, NC	$4.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
VeraBank, National Association	Henderson, TX	$4.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Wheaton Bank & Trust, National Association	Wheaton, IL	$4.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Woori America Bank	New York, NY	$4.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $3.28 (40%) below the median of similar-sized banks.

Compared at $4.95, the middle of its seven prices, against a peer median of $8.23 among 16 publishing peers.

Its seven checking prices are $0, $0, $3, $4.95, $7, $8 and $15.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Arrow Bank National Assoc…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Arrow Bank National Association (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $540K
vs prior quarter: +$1K+0.2%; from Q1 2026
vs a year earlier: +$20K+3.8%; from Q2 2025
vs start of range: +$93K+20.8%; from Q3 2024

Details

Source: FFIEC call report (bulk data); FDIC BankFind Suite (call report data)
Entity: Arrow Bank National Association (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: FFIEC call report (bulk data): Standalone quarter: year to date less the prior quarter (Q1 as filed). FDIC BankFind Suite (call report data): One quarter, as reported
Fields: FFIEC call report (bulk data): RIAD4080; FDIC BankFind Suite (call report data): ISERCHGQ
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$540K	+$1K	+0.2%
Q1 2026	$539K	+$6K	+1.1%
Q4 2025	$533K	−$7K	−1.3%
Q3 2025	$540K	+$20K	+3.8%
Q2 2025	$520K	−$2K	−0.4%
Q1 2025	$522K	−$39K	−7.0%
Q4 2024	$561K	+$114K	+25.5%
Q3 2024	$447K	+$17K	+4.0%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Arrow Bank National Association’s own schedules, with a source for each figure.

Account Maintenance

Maintenance feeNo charge
Maintenance fee (monthly) (audience not stated, treated as personal)$7
per month
Maintenance fee (monthly)$8
per month
Maintenance fee (monthly)$15
per month
Maintenance fee (monthly)$3
per month
Maintenance fee (monthly)$4.95
per month
Maintenance fee (monthly)No charge
per month
Early closeout fee (for Accounts closed within 90 days of opening date)$10
Dormant Checking Account$5
Dormant Savings Account$2.50
Paper Statement fee (if mailed monthly)$3
per month
Paper Statement fee (if mailed monthly)$2
per month
Paper Statement fee (if mailed quarterly)$3
Not compared: Quarterly charge, not monthly
per quarter
Savings Account Excess Transfer$10

Overdraft & NSF

Overdraft fee$32
Insufficient funds fee$32
Sustained Overdraft$20
Transfer to Checking to Cover Overdraft (fee is charged to funding account)$3

ATM & Card

Network Access/Balance Inquiry (other banks’ ATMs)$1
Debit/ATM Card Replacement$10

Wire Transfers

Domestic Wire Transfer$20
Foreign Wire Transfer$50

Check Services

Online Stop Payment$15
Stop Payment$28
Counter Check$1
Not compared: Charged per page; comparison unavailable
per page
Foreign Check Collection$25
Photocopy of Check$5

Digital & Electronic

Internet Banking Bill Payment ServiceNo charge

Cash & Deposit

Deposited Item Return$25

Account Services

Safe Deposit Box 2 x 5$45
per year
Safe Deposit Box Drilling$150
Not compared: Box drilling or key fee
Safe Deposit Box Late Payment$10
Not compared: Box drilling or key fee
Safe Deposit Replacement Key$15
Not compared: Box drilling or key fee
per item
Legal Levy, Lien, Restraining Notice$100

Retirement & IRA

IRA Trustee Transfer Fee$75

Other Fees

Copy of Statement$3
Photocopy$1

Fee	Amount	Basis	Note
Account Maintenance
Maintenance fee	No charge	Not stated	None
Maintenance fee (monthly) (audience not stated, treated as personal)	$7	per month	None
Maintenance fee (monthly)	$8	per month	None
Maintenance fee (monthly)	$15	per month	None
Maintenance fee (monthly)	$3	per month	None
Maintenance fee (monthly)	$4.95	per month	None
Maintenance fee (monthly)	No charge	per month	None
Early closeout fee (for Accounts closed within 90 days of opening date)	$10	Not stated	None
Dormant Checking Account	$5	Not stated	None
Dormant Savings Account	$2.50	Not stated	None
Paper Statement fee (if mailed monthly)	$3	per month	None
Paper Statement fee (if mailed monthly)	$2	per month	None
Paper Statement fee (if mailed quarterly)	$3Not compared: Quarterly charge, not monthly	per quarter	None
Savings Account Excess Transfer	$10	Not stated	None
Overdraft & NSF
Overdraft fee	$32	Not stated	None
Insufficient funds fee	$32	Not stated	None
Sustained Overdraft	$20	Not stated	None
Transfer to Checking to Cover Overdraft (fee is charged to funding account)	$3	Not stated	None
ATM & Card
Network Access/Balance Inquiry (other banks’ ATMs)	$1	Not stated	None
Debit/ATM Card Replacement	$10	Not stated	None
Wire Transfers
Domestic Wire Transfer	$20	Not stated	None
Foreign Wire Transfer	$50	Not stated	None
Check Services
Online Stop Payment	$15	Not stated	None
Stop Payment	$28	Not stated	None
Counter Check	$1Not compared: Charged per page; comparison unavailable	per page	None
Foreign Check Collection	$25	Not stated	None
Photocopy of Check	$5	Not stated	None
Digital & Electronic
Internet Banking Bill Payment Service	No charge	Not stated	None
Cash & Deposit
Deposited Item Return	$25	Not stated	None
Account Services
Safe Deposit Box 2 x 5	$45	per year	None
Safe Deposit Box Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Late Payment	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Replacement Key	$15Not compared: Box drilling or key fee	per item	None
Legal Levy, Lien, Restraining Notice	$100	Not stated	None
Retirement & IRA
IRA Trustee Transfer Fee	$75	Not stated	None
Other Fees
Copy of Statement	$3	Not stated	None
Photocopy	$1	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Arrow Bank National Association operates, and what regulators and customers have on file.

Market position

In Glens Falls, NY, Arrow Bank National Association holds 60.4% of bank deposits, #1 of 10, with 18 offices.

Compare fees with the 13 Glens Falls, NY banks and credit unions in its home-metro peer set →

Offices in the metro

50 offices of 15 institutions shown.

Arrow Bank National AssociationOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Glens Falls, NY metro (FDIC metro code 24020), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Arrow Bank National Association60.4%
2TD Bank, National Association18.5%
3TrustCo Bank5.4%
4Citizens Bank, National Association4.1%
5NBT Bank, National Association2.9%
6The Adirondack Trust Company2.4%
7KeyBank National Association2.1%
8Community Bank, National Association2.1%

8 of 10 institutions shown. $4.1B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Glens Falls, NY metro (FDIC metro code 24020)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 60.4% share, 18 offices, #1 of 10

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Glens Falls, NY metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

10 offices of 5 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Fee change alerts

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