Regulatory Matters
 12 Months Ended
Dec. 31, 2015
Banking and Thrift [Abstract]  
Regulatory Capital Requirements under Banking Regulations [Text Block]
REGULATORY MATTERS (Dollars in Thousands)

In the normal course of business, Arrow and its subsidiaries operate under certain regulatory restrictions, such as the extent and structure of covered inter-company borrowings and maintenance of reserve requirement balances.
The principal source of the funds for the payment of stockholder dividends by Arrow has been from dividends declared and paid to Arrow by its bank subsidiaries.  As of December 31, 2015, the maximum amount that could have been paid by subsidiary banks to Arrow, without prior regulatory approval, was approximately $31.0.
Under current Federal Reserve regulations, Arrow is prohibited from borrowing from the subsidiary banks unless such borrowings are secured by specific obligations.  Additionally, the maximum of any such borrowing is limited to 10% of an affiliate’s capital and surplus.
Arrow and its subsidiary banks are subject to various regulatory capital requirements administered by the federal banking agencies.  Failure to meet minimum capital requirements can initiate certain mandatory--and possibly additional discretionary--actions by regulators that, if undertaken, could have a direct material effect on an institution’s financial statements.  Under capital adequacy guidelines and the regulatory framework for prompt corrective action, Arrow and its subsidiary banks must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices.  Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.
Quantitative measures established by regulation to ensure capital adequacy require Arrow and its subsidiary banks to maintain minimum capital amounts and ratios (set forth in the table below) of total and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined).  Management believes, as of December 31, 2015 and 2014, that Arrow and both subsidiary banks meet all capital adequacy requirements to which they are subject.
As of December 31, 2015, Arrow and both subsidiary banks qualified as well-capitalized under the regulatory framework for prompt corrective action.  To be categorized as “well-capitalized,” Arrow and its subsidiary banks must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table below.  There are no conditions or events that management believes have changed Arrow’s or its subsidiary banks’ categories.
Arrow’s and its subsidiary banks’, Glens Falls National Bank and Trust Company (“Glens Falls National”) and Saratoga National Bank and Trust Company (“Saratoga National”), actual capital amounts and ratios are presented in the table below as of December 31, 2015 and 2014:

 
Actual
 
Minimum Amounts For Capital Adequacy Purposes
 
Minimum Amounts To Be Well-Capitalized
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
As of December 31, 2015:
 
 
 
 
 
 
 
 
 
 
 
Total Capital
 (to Risk Weighted Assets):
 
 
 
 
 
 
 
 
 
 
 
Arrow
$
239,988

 
15.1
%
 
$
127,146

 
8.0
%
 
$
158,932

 
10.0
%
Glens Falls National
193,302

 
15.0
%
 
103,094

 
8.0
%
 
128,868

 
10.0
%
Saratoga National
37,658

 
12.6
%
 
23,910

 
8.0
%
 
29,887

 
10.0
%
Tier I Capital
 (to Risk Weighted Assets):
 
 
 
 
 
 
 
 
 
 
 
Arrow
223,899

 
14.1
%
 
95,276

 
6.0
%
 
127,035

 
8.0
%
Glens Falls National
180,280

 
14.0
%
 
77,263

 
6.0
%
 
103,017

 
8.0
%
Saratoga National
34,642

 
11.6
%
 
17,918

 
6.0
%
 
23,891

 
8.0
%
Tier I Capital
 (to Average Assets):
 
 
 
 
 
 
 
 
 
 
 
Arrow
223,899

 
9.3
%
 
96,301

 
4.0
%
 
120,376

 
5.0
%
Glens Falls National
180,280

 
8.9
%
 
81,025

 
4.0
%
 
101,281

 
5.0
%
Saratoga National
34,642

 
8.9
%
 
15,569

 
4.0
%
 
19,462

 
5.0
%
Common Equity Tier 1 Capital
 (to Risk Weighted Assets):
 
 
 
 
 
 
 
 
 
 
 
Arrow
203,848

 
12.8
%
 
71,665

 
4.5
%
 
103,517

 
6.5
%
Glens Falls National
180,229

 
14.0
%
 
57,931

 
4.5
%
 
83,678

 
6.5
%
Saratoga National
34,642

 
11.6
%
 
13,439

 
4.5
%
 
19,411

 
6.5
%


 
Actual
 
Minimum Amounts For Capital
Adequacy Purposes
 
Minimum Amounts To Be Well-Capitalized
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
As of December 31, 2014:
 
 
 
 
 
 
 
 
 
 
 
Total Capital
 (to Risk Weighted Assets):
 
 
 
 
 
 
 
 
 
 
 
Arrow
$
225,766

 
15.5
%
 
$
116,524

 
8.0
%
 
$
145,655

 
10.0
%
Glens Falls National
183,446

 
15.5
%
 
94,682

 
8.0
%
 
118,352

 
10.0
%
Saratoga National
35,217

 
13.3
%
 
21,183

 
8.0
%
 
26,479

 
10.0
%
Tier I Capital
 (to Risk Weighted Assets):
 
 
 
 
 
 
 
 
 
 
 
Arrow
210,136

 
14.5
%
 
57,969

 
4.0
%
 
86,953

 
6.0
%
Glens Falls National
170,497

 
14.4
%
 
47,360

 
4.0
%
 
71,040

 
6.0
%
Saratoga National
32,596

 
12.3
%
 
10,600

 
4.0
%
 
15,900

 
6.0
%
Tier I Capital
 (to Average Assets):
 
 
 
 
 
 
 
 
 
 
 
Arrow
210,136

 
9.4
%
 
89,420

 
4.0
%
 
89,420

 
4.0
%
Glens Falls National
170,497

 
9.1
%
 
74,944

 
4.0
%
 
93,680

 
5.0
%
Saratoga National
32,596

 
9.4
%
 
13,871

 
4.0
%
 
17,338

 
5.0
%