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 offers various deposit and lending products. It also maintains an indirect lending program through sponsorship of automobile dealer programs, and sells residential real estate loan originations into the secondary market. In addition, the Company provides retirement planning, trust, and estate administration services for individuals, and pension, profit-sharing, and employee benefit plan administration for corporations. Further, it offers insurance agency services and investment advisory services, as well as holds a real estate investment trust.