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Arrow Financial AROW Interest Expense Negotiable Order Of Withdrawal NOW Deposits

Interest Expense Negotiable Order Of Withdrawal NOW Deposits at other companies

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Other financials

Income statement

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Revenue$35.0M+7.1%
Net income$13.5M+114%
EPS (diluted)$0.82+116%

Balance sheet

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Total debt$14.1M+41.0%
Total equity$440.1M+8.8%
Total assets$4.5B+1.6%

Cash flow

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Operating cash flow$15.2M+51.4%
CapEx$1.3M+2.2%
Free cash flow$13.9M+58.5%

Valuation

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Market cap$663.47M+60.5%
P/E13×-1.6×
P/S4.9×+1.5×

Profitability

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Net margin23.4%-3.6pp
FCF margin27.8%-4.0pp

Returns & leverage

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Return on equity12.1%+4.9pp
Debt / equity0.0×

Where this comes from

Reported directly by Arrow Financial in its filing.

Tagged under the XBRL concept us-gaap:InterestExpenseNegotiableOrderOfWithdrawalNOWDeposits.

The official record: Arrow Financial’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Arrow Financial's interest expense negotiable order of withdrawal NOW deposits?
Arrow Financial (AROW) reported interest expense negotiable order of withdrawal NOW deposits of $2.1M in Q1 2026.
How has Arrow Financial's interest expense negotiable order of withdrawal NOW deposits changed year-over-year?
Arrow Financial's interest expense negotiable order of withdrawal NOW deposits increased by 16.5% year-over-year, from $1.8M to $2.1M.
What is the long-term trend for Arrow Financial's interest expense negotiable order of withdrawal NOW deposits?
Over 4 years (2021 to 2025), Arrow Financial's interest expense negotiable order of withdrawal NOW deposits has grown at a 82.0% compound annual growth rate (CAGR), from $731K to $8.02M.
What does interest expense negotiable order of withdrawal NOW deposits mean?
This metric measures the interest expense incurred on interest-bearing checking accounts, often referred to as negotiable order of withdrawal accounts. It reflects the cost of funding provided by retail or commercial customers who maintain liquid transaction accounts. Monitoring this helps evaluate the bank's cost of core deposit funding.