Arrow Financial Corporation Asset Resilience Ratio

Latest as of June 2026: 12.30%

Arrow Financial Corporation asset resilience ratio. Arrow Financial Corporation (AROW) has an Asset Resilience Ratio of 12.30% as of June 2026. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See Arrow Financial Corporation defensive interval ratio to measure how many days the company can operate on defensive assets alone.

Liquid Assets

$551.52 Million

Cash + Short-term Investments

Total Assets

$4.48 Billion

All company assets

Resilience Assessment

Moderate

Financial Resilience Level

Asset Resilience Ratio of Arrow Financial Corporation (2001–2025)

Asset resilience ratio of Arrow Financial Corporation from 2001 to 2025. This chart shows how Arrow Financial Corporation's Asset Resilience Ratio has changed over time. Read AROW current and long-term liabilities for a breakdown of total debt and financial obligations.

Liquid Assets Composition Over Time

This chart breaks down Arrow Financial Corporation's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For the complete balance sheet picture, see AROW total assets.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$551.52 Million	12.3%
Total Liquid Assets	$551.52 Million	12.30%

Asset Resilience Insights

Moderate Liquidity: Arrow Financial Corporation has 12.30% of assets in liquid form.
While adequate for normal operations, this level may limit flexibility during economic stress.
The company has significant short-term investments, indicating active treasury management.

Arrow Financial Corporation Industry Peers by Asset Resilience Ratio

Compare Arrow Financial Corporation's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Societe Generale S.A. PA:GLE	Banks - Regional	11.25%
Itau Unibanco Banco Holding SA NYSE:ITUB	Banks - Regional	3.55%
Spar Nord Bank CO:SPNO	Banks - Regional	-3.96%
Bank of Guiyang Co Ltd SHG:601997	Banks - Regional	-0.78%
Qingdao Rural Commercial Bank Corp Class A SHE:002958	Banks - Regional	-13.48%
Bank Ina Perdana PT JK:BINA	Banks - Regional	-30.89%
Bank Rakyat Indonesia Agroniaga JK:AGRO	Banks - Regional	8.38%
Bank Agris Tbk JK:AGRS	Banks - Regional	1.98%

Arrow Financial Corporation Asset Resilience Ratio by Year (2001–2025)

Arrow Financial Corporation asset resilience ratio by year from 2001 to 2025. The table below shows the annual Asset Resilience Ratio data for Arrow Financial Corporation.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	12.20%	$542.19 Million	$4.45 Billion	+1.44pp
2024-12-31	10.75%	$463.11 Million	$4.31 Billion	-1.18pp
2023-12-31	11.94%	$497.77 Million	$4.17 Billion	-2.51pp
2022-12-31	14.45%	$573.50 Million	$3.97 Billion	+0.56pp
2021-12-31	13.89%	$559.32 Million	$4.03 Billion	+3.98pp
2020-12-31	9.90%	$365.29 Million	$3.69 Billion	-1.32pp
2019-12-31	11.22%	$357.33 Million	$3.18 Billion	+0.60pp
2018-12-31	10.63%	$317.54 Million	$2.99 Billion	-0.25pp
2017-12-31	10.87%	$300.20 Million	$2.76 Billion	-2.44pp
2016-12-31	13.32%	$347.00 Million	$2.61 Billion	-3.13pp
2015-12-31	16.45%	$402.31 Million	$2.45 Billion	-0.07pp
2014-12-31	16.51%	$366.14 Million	$2.22 Billion	-4.64pp
2013-12-31	21.15%	$457.61 Million	$2.16 Billion	-2.52pp
2012-12-31	23.67%	$478.70 Million	$2.02 Billion	-4.69pp
2011-12-31	28.36%	$556.54 Million	$1.96 Billion	+28.09pp
2010-12-31	0.27%	$5.12 Million	$1.91 Billion	-0.97pp
2009-12-31	1.23%	$22.73 Million	$1.84 Billion	-18.29pp
2008-12-31	19.52%	$325.09 Million	$1.67 Billion	+18.51pp
2007-12-31	1.01%	$16.00 Million	$1.58 Billion	+0.42pp
2006-12-31	0.59%	$9.00 Million	$1.52 Billion	-20.88pp
2005-12-31	21.48%	$326.36 Million	$1.52 Billion	+20.97pp
2004-12-31	0.51%	$7.00 Million	$1.38 Billion	+0.09pp
2003-12-31	0.42%	$5.80 Million	$1.37 Billion	+0.19pp
2002-12-31	0.24%	$3.00 Million	$1.27 Billion	-0.98pp
2001-12-31	1.22%	$14.00 Million	$1.15 Billion	--

pp = percentage points

About Arrow Financial Corporation

NASDAQ:AROW USA Banks - Regional

Market Cap

$732.43 Million

Market Cap Rank

#10074 Global

#2732 in USA

Share Price

$39.54

Change (1 day)

+2.33%

52-Week Range

$29.19 - $42.50

All Time High

$42.50