Community Reinvestment Act
Arrow Bank maintains a complete Community Reinvestment Act Public File online. The information provided is current as of April 1 of each year.
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.
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.
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.
Printed versions of our public file can be provided upon request. The bank may charge a reasonable fee to cover the cost of printing and mailing.