Item 2.02. Results of Operations and Financial Condition.

On January 30, 2023, Arrow Financial Corporation issued a press release containing unaudited financial information and accompanying discussion for the year-to-date period ended December 31, 2022. A copy of this press release is furnished as Exhibit 99 to this report on Form 8-K.

Item 9.01. Financial Statements and Exhibits.

Exhibits:

Exhibit No. Description

Exhibit 99 Arrow Financial Corporation Earnings Press Release dated January 30 , 202 3

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