Arrow Financial Corporation operates as the bank holding company for Glens Falls National Bank and Trust Company, and Saratoga National Bank and Trust Company that provides various commercial and consumer banking, and financial products in the United States. The company offers various deposit products, which include demand deposits, NOW accounts, time deposits, and money market deposits. It also engages in a range of lending activities, including commercial and industrial lending primarily to small and midsized companies; mortgage lending for residential and commercial properties; and consumer installment and home equity financing, as well as maintains an indirect lending program through sponsorship of automobile dealer programs under which, it purchases dealer paper. The company, through its trust operations, provides retirement planning, trust, and estate administration services for individuals; pension, profit-sharing, and employee benefit plan administration for corporations. In addition, it engages in selling and servicing group health care and life insurance policies; offers property and casualty insurance products; operates as an investment adviser that advises the company’s proprietary mutual funds; provides administrative and recordkeeping services for retirement plans; and holds a real estate investment trust. The company operates in Warren, Washington, Saratoga, Essex, and Clinton counties and surrounding areas. It owns 28 branch banking offices and leases 7 offices. The company was founded in 1851 and is headquartered in Glens Falls, New York.