Arrow Financial (US:AROW)2025-10-30 11:30Financial Performance - 3Q25 net income reached $12.8 million, resulting in an EPS of $0.77, marking an over 18% increase compared to 2Q25[13] - Year-to-date net income stands at $29.9 million, with an EPS of $1.80[13] - The FTE net interest margin (NIM) improved to 3.24% in 3Q25, compared to 3.16% in 2Q25[13] - Return on average assets (ROA) was 1.16% for 3Q25[13] - Tangible book value (TBV) per share increased by 2.7% from the previous quarter to $23.85[13] - The efficiency ratio improved to 59.6%[13] Balance Sheet and Capital Actions - Loan growth was 2% on an annualized basis[13] - Approximately $2 billion of deposits are subject to repricing with rate cuts[13] - The company repurchased $1.4 million worth of shares, totaling approximately 53,000 shares at an average cost of $26.87 per share[13] Credit Quality - Net charge-offs were 0.10% for 3Q25[13]