Arrow Financial — Investor Presentation (March 2025)

6 slides from Arrow Financial's investor presentation, Mar 20, 2025

Slide 1: Investor Day - Chicago March 20, 2025
Investor Day - Chicago March 20, 2025
Slide 2: Safe Harbor
2 Safe Harbor This presentation may contain certain forward-looking statements about Arrow Financial Corporation (“Arrow” or the “Company”). Forward-looking statements, as defined in Section 21E of the Securities Exchange Act of 1934, as amended, include statements regarding anticipated future event
Slide 3: Solid 2025 Start - Net Interest Margin
3 Solid 2025 Start - Net Interest Margin 1 1Yield includes the impact of deferred fees and amortization of loan origination costs 2FTE has historically been 1-2 bps higher than NIM reported under GAAP 2.98% 2.63% 2.55% 2.55% 2.62% 2.69% 2.79% 2.85% 3.02% 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 YTD 2
Slide 4: Loan Exit Rates & Trends
4 Solid 2025 Start - Loan Exit Rates1 & Trends 1Q24 2Q24 3Q24 4Q24 February 2025 Consumer 5.70% 5.99% 6.19% 6.32% 6.40% Commercial Real Estate 5.34% 5.38% 5.36% 5.31% 5.31% Commercial 5.14% 5.27% 5.36% 5.36% 5.37% Residential Real Estate 4.41% 4.51% 4.61% 4.66% 4.68% Total Loans 5.14% 5.25% 5.35% 5.
Slide 5: Other
5 Solid 2025 Start - Other • Tangible Book Value1 of $22.72 per share as of February 28, 2025; includes impact of $0.28 per share 1Q2025 dividend • 2025 Share Repurchase Activity  Through March 14, 2025, ~$3.4M of stock repurchases  128K shares at an average price of $26.48 • Expanded our Capital
Slide 6: Thank You!
Thank You! - =\RROW Financial Corporation