Arrow Financial Corporation is a bank holding company. The Company's banking subsidiaries are Glens Falls National Bank and Trust Company (Glens Falls National) and Saratoga National Bank and Trust Company (Saratoga National). The two banks provide a range of services to individuals and small to mid-size businesses in northeastern New York State from Albany, the State's capitol, to the Canadian border. two banks have wealth management departments which provides investment management and administrative services. The Company's business consists of the ownership, supervision and control of its two banks. It also provides various advisory and administrative services and coordinates the general policies and operation of the banks. Through the banks' trust operations, the Company provides retirement planning, trust and estate administration services for individuals, and pension, profit-sharing and employee benefit plan administration for corporations.