Arrow Financial Corp. is a bank holding company, which engages in the provision of banking and insurance services through its subsidiaries, Glens Falls National and Saratoga National. The company is headquartered in Glens Falls, New York. The banking subsidiaries are Glens Falls National Bank and Trust Company (GFNB), and Saratoga National Bank and Trust Company (SNB). The firm provides a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. Its loan portfolio consists of Commercial, Commercial Real Estate, Consumer Loans, and Residential. The company offers a variety of loan options to meet the specific needs of its commercial customers including term loans, time notes and lines of credit. The company offers commercial real estate loans to finance real estate purchases, refinancings, expansions and improvements to commercial properties. Its consumer loans primarily comprised automobile loans. The company finances the purchases of automobiles indirectly through dealer relationships located throughout upstate New York and Vermont.