Community Reinvestment Act

During the period January 1, 2022 – December 31, 2024, Arrow Bank, National Association, formerly known as Glens Falls National Bank and Trust company and unified with Saratoga National Bank and Trust Company on December 31, 2024, did not receive any negative correspondence concerning the bank’s ability to meet the community credit needs. In the future, if we do receive such correspondence, it will be included in the Public File, together with our reply.

Public Disclosure

List of Branches

Current year and two previous years

Hours of Operation
Products, Services and Fees

Assessment Area Map
Assessment Area Census Tracts

CRA disclosures can also be located on the FFIEC CRA Disclosure website www.ffiec.gov/cra by entering Arrow Bank, National Association, respondent ID (0000007699)in the Respondent ID search box.

CRA disclosures prior to January 1, 2025, can be located on the FFIEC CRA Disclosure website www.ffiec.gov/cra by entering in Glens Falls National Bank and Trust Company's respondent ID (0000007699) or Saratoga National Bank and Trust Company's respondent ID (0000021530) in the Respondent ID search Box.

2023 GFN CRA Disclosure Statement
2023 SNB CRA Disclosure Statement
2022 GFN CRA Disclosure Statement
2022 SNB CRA Disclosure Statement

Arrow Bank, National Association, formerly known as Glens Falls National Bank and Trust Company which unified with Saratoga National Bank and Trust Company on December 31, 2004, Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending are now available on-line for your review. The data shows the geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials, regarding the applications in each of the bank’s assessment area, may be obtained on the Consumer Financial Protection Bureau's Website at www.consumerfinance.gov/hmda, by entering the banks name in the Institution Name search box. HMDA data for many other financial institutions are also available at this Web site.

2020, 2021 and 2022 Modified HMDA LAR can be located on the Consumer Financial Protection Bureau's website the banks name in the Institution Name search box.