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 provide commercial and consumer banking, and financial products and services. The company's deposit products include demand deposits, interest-bearing checking accounts, savings deposits, and time deposits. Its lending activities comprise commercial loans, such as term loans, time notes, and lines of credit for working capital needs; commercial construction and land development loans; commercial real estate loans to finance real estate purchases, refinancing, expansions, and improvements to commercial properties; consumer installment loans to finance personal expenditures, personal lines of credit, and overdraft protection; and residential real estate loans. The company also maintains an indirect lending program through sponsorship of automobile dealer programs, under which it purchases dealer paper; and sells residential real estate loan originations into the secondary market. In addition, it provides retirement planning, trust, and estate administration services for individuals; and pension, profit-sharing, and employee benefit plan administration for corporations. Further, the company offers insurance agency services specializing in selling and servicing group health care policies and life insurance; property and casualty insurance; and investment advisory services to its proprietary mutual funds, as well as holds a real estate investment trust. The company operates primarily in the northeastern region of New York State in Warren, Washington, Saratoga, Essex, Clinton, and Albany counties, as well as surrounding areas. It owns 29 branch banking offices and leases 10 offices; leases 2 residential loan origination offices; and owns 1 office and leases 4 others for insurance agency operations. The company was founded in 1851 and is headquartered in Glens Falls, New York.