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This Amendment No. 1 to the Annual Report on Form 10-K/A for Arrow Financial Corporation for the fiscal year ended December 31, 2025, was filed on March 27, 2026. The amendment was filed solely to add Exhibit 97.1, the Arrow Financial Corporation Clawback Policy (Adopted as of December 1, 2023), which was inadvertently omitted from the original filing dated March 6, 2026. The company states there were no changes made to the Clawback Policy during 2025. No other changes have been made to the original filing, which continues to speak as of and for the periods covered. The aggregate market value of the voting and non-voting common equity held by non-affiliates as of the last business day of the registrant’s most recently completed second fiscal quarter was $426,347,636. The number of shares of common stock outstanding as of February 27, 2026, was 16,511,643. The company is an accelerated filer and its auditor is Crowe LLP.