X0609 4 2026-09-23 0 0000717538 ARROW FINANCIAL CORP AROW 0002043837 Duffy Kristine D false 250 GLEN STREET GLENS FALLS NY 12801 1 0 0 0 0 Common Stock 2026-09-23 4 J 0 203 36.97 A 6624 D Common Stock 1046 I Held by spouse Quarterly Director's Retainer Payment The information provided reflects 13 shares acquired under the Company's DRIP since June 17, 2026 which were not required to be reported on a Form 4. This information is being furnished to disclose the total holdings of the insider as of the date of this Form 4. The information provided reflects 8 shares acquired under the Company's DRIP since June 17, 2026 which were not required to be reported on a Form 4. This information is being furnished to disclose the total holdings of the insider as of the date of this Form 4. The reporting person disclaims beneficial ownership of these securities and this report shall not be deemed an admission that the reporting person is the beneficial owner of the securities for any purpose. Penko Ivanov, Attorney in Fact 2026-09-24