{"id":39988,"date":"2024-08-13T14:45:26","date_gmt":"2024-08-13T18:45:26","guid":{"rendered":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/?p=39988"},"modified":"2024-08-13T14:45:26","modified_gmt":"2024-08-13T18:45:26","slug":"arrow-financial-corp-unifies-glens-falls-and-saratoga-national-banks-into-single-entity","status":"publish","type":"post","link":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2024\/08\/arrow-financial-corp-unifies-glens-falls-and-saratoga-national-banks-into-single-entity\/","title":{"rendered":"Arrow Financial Corp Unifies Glens Falls And Saratoga National Banks Into Single Entity"},"content":{"rendered":"
\"\"
Saratoga National Bank is one of the subsidiaries of Arrow Financial Corporation that will be rebranded under the new corporate plan.<\/figcaption><\/figure>\n

By Susan Ellse Campbell<\/p>\n

Arrow Financial Corporation has finalized plans to unify its two banking subsidiaries and is soon to reveal a new logo and signage under which the two financial institutions are being rebranded, announced parent company president and CEO David S. DeMarco.\u00a0<\/span><\/p>\n

The 37 branches of Glens Falls National Bank and Trust Company and Saratoga National Bank and Trust Company will be named Arrow Bank going forward, he said.\u00a0<\/span><\/p>\n

DeMarco said the change was years in the making.<\/p>\n

\u201cWhat we are doing is different from an ordinary bank merger, as Arrow Financial already owned these two community banks,\u201d he said.<\/p>\n

DeMarco explained that since the two banks have different back offices, the systems behind their operations have to become one to achieve the efficiencies the parent company is seeking.<\/p>\n

<\/span><\/span><\/b><\/span><\/span>\u201cSharing the same \u2018back room\u2019 is more efficient than two banks doing the same functions independently,\u201d said DeMarco. \u201cThis will free up resources to enhance our strategic growth opportunities and provide unparalleled customer service.\u201d<\/p>\n

Glens Falls National Bank was formed in 1851 and, like Saratoga National Bank, has a strong presence in the communities it serves. The latter was formed in 1988 and has been a subsidiary of Arrow Financial since its beginning. But the two banks have different charters.\u00a0<\/span><\/p>\n

\u201cAs part of the reunification, Saratoga National Bank will technically be merged into Glens Falls Banks. That\u2019s just legal work,\u201d DeMarco said. \u201cThe hard part is having everything the same from a back room and marketing perspective.\u201d<\/p>\n

Right now, the marketing department has to provide a logo, branding, signage and advertising for two separate entitles, he said. The accounting group has to prepare two separate sets of financial statements, so there will be one call report published after the unification.\u00a0<\/span><\/p>\n

\u201cThere is simplification that will result from this, and getting there is not hard, but is going to be a lot of work internally,\u201d he said.\u00a0<\/span><\/p>\n

Started in 1983 in Glens Falls, Arrow Financial is a publicly traded company and as CEO, DeMarco anticipates advantages from the unification for shareholders.<\/p>\n

\u201cThe investment banking community sees the unification as a big plus,\u201d he said. \u201cI have heard from some people who said, \u2018What took you so long?\u2019\u201d<\/p>\n

Branches of the banks stretch from Albany to Plattsburgh and some growth has come organically, DeMarco said. There have also been acquisitions of a number of other bank branches, such as Fleet Bank and HSBC in Plattsburgh, and Arrow Financial is about to close on a Berkshire Bank in Whitehall. Other branches have been acquired in Schenectady and Rensselaer counties.<\/p>\n

\u201cAs a combined entity, we are bigger and can buy more,\u201d said DeMarco. \u201cStrategic growth is the ability to expand our footprint and serve other communities,\u00a0<\/span><\/p>\n

For bank customers, DeMarco said, \u201cNothing changes but the name, and banks have been changing names for years. None of the staff is changing and none of the buildings are changing.\u201d<\/p>\n

How the unification is perceived will depend largely on how Arrow Financial delivers the message, according to DeMarco.<\/p>\n

\u201cThe keys to that are our people and ability to provide customer service, which we are very proud of,\u201d he said. \u201cI would argue we are known as a bank that gives personal service, delivers value to our shareholders, and supports our communities.\u201d<\/p>\n

The combined assets of the banks is $4.2 billion and DeMarco said, \u201cIn a way we are getting bigger together, but we\u2019re still the same size.\u201d<\/p>\n

The new logo and marketing campaign will soon be rolled out and carry the name \u201cArrow Bank\u201d in a clean, more modern style than what the banks or Arrow Financial have now, he said.\u00a0<\/span><\/p>\n

\u201cThe rebranding focuses on the people, because banking is a people business,\u201d said DeMarco. \u201cWhat people going into those brick and mortar buildings appreciate about our company is that they know the staff and the staff know them. And that\u2019s not changing.\u201d<\/p>\n

DeMarco said he believes the new name will make a newcomer into town who wants a local bank feel that Arrow Bank offers up-to-date resources and technology.<\/p>\n

\u201cPeople bank where they have trust and confidence and comfort,\u201d he said. \u201cIt\u2019s reputation that drives where you bank, and if our reputation maintains its current status, we hope it will attract more customers in our current market.\u201d<\/p>\n

Unification will make Arrow Bank \u201cstronger and better\u201d in terms of efficiency and productivity, said DeMarco.\u00a0<\/span><\/p>\n

\u201cIt\u2019s one bank working for you,\u201d he said. If that sounds like a tagline, DeMarco said the marketing team will be releasing the new tagline shortly along with the new logo.<\/p>\n

Glens Falls National Bank has a full service insurance subsidiary, Upstate Insurance Agency, which will become a separate subsidiary of Arrow Financial. Its name will not change.\u00a0 <\/span>Depositors can learn more at their local branches.<\/p>\n","protected":false},"excerpt":{"rendered":"

By Susan Ellse Campbell Arrow Financial Corporation has finalized plans to unify its two banking subsidiaries and is soon to reveal a new logo and signage under which the two financial institutions are being rebranded, announced parent company president and CEO David S. DeMarco.\u00a0 The 37 branches of Glens Falls National Bank and Trust Company […]<\/p>\n","protected":false},"author":89,"featured_media":39989,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-39988","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-news"],"yoast_head":"\r\nArrow Financial Corp Unifies Glens Falls And Saratoga National Banks Into Single Entity - Saratoga Business Journal<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2024\/08\/arrow-financial-corp-unifies-glens-falls-and-saratoga-national-banks-into-single-entity\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Arrow Financial Corp Unifies Glens Falls And Saratoga National Banks Into Single Entity - Saratoga Business Journal\" \/>\r\n<meta property=\"og:description\" content=\"By Susan Ellse Campbell Arrow Financial Corporation has finalized plans to unify its two banking subsidiaries and is soon to reveal a new logo and signage under which the two financial institutions are being rebranded, announced parent company president and CEO David S. 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