Arrow Financial (AROW) - 2025 Q3 - Earnings Call Presentation

2 Table of Contents 3Q 2025 Investor Presentation October 30, 2025 Safe Harbor The information contained in this investor presentation may contain statements that are not historical in nature but rather are based on management's beliefs, assumptions, expectations, estimates and projections about the future. These statements can sometimes be identified by Arrow's use of forward- looking words such as "may," "will," "anticipate," "estimate," "expect," or "intend." These statements may be "forward-looking stat ...