Arrow Financial Executive and Leadership Team

Elizabeth Miller, the Miller Mechanical Services Inc President & Chief Executive Officer at Arrow Financial, directs specialized infrastructure support for the holding company. This leadership role involves overseeing technical facility maintenance and operational efficiency across the corporate footprint. By managing mechanical assets, Elizabeth Miller ensures the physical stability of banking branches throughout northeastern New York. The President & Chief Executive Officer coordinates with the board to align facility standards with the broader financial mission. Through rigorous oversight of mechanical systems, the President & Chief Executive Officer mitigates operational risks and supports the continuity of banking services. This position requires constant monitoring of facility performance metrics to maintain high service standards. By optimizing infrastructure investments, the President & Chief Executive Officer contributes to the long-term asset value of the organization. The President & Chief Executive Officer maintains a focus on sustainable facility management to support the overall growth of the company.

Douglas Thorn, the Director, Insurance Operations & Chief Executive Officer, Upstate Agency, Llc at Arrow Financial, manages the comprehensive insurance portfolio for the organization. This role involves driving regional market expansion and overseeing the delivery of risk management products to clients across northeastern New York. By integrating insurance services with the broader banking model, Douglas Thorn enhances the value proposition for commercial and consumer customers. The Director, Insurance Operations & Chief Executive Officer, Upstate Agency, Llc collaborates with the executive team to refine underwriting standards and improve service delivery. This leadership position requires constant analysis of market trends to maintain competitive positioning in the insurance sector. By optimizing the agency's operational workflows, the Director, Insurance Operations & Chief Executive Officer, Upstate Agency, Llc ensures consistent revenue growth. The Director, Insurance Operations & Chief Executive Officer, Upstate Agency, Llc maintains a focus on client retention and service excellence to support the company's financial stability.

David Demarco, the President & Chief Executive Officer at Arrow Financial, architects the overarching strategic vision for the multi-bank holding company. This leadership role involves overseeing the $4 billion asset portfolio and driving growth across all banking subsidiaries. By managing the executive team, David Demarco ensures alignment between corporate objectives and regional market needs in northeastern New York. The President & Chief Executive Officer directs the implementation of digital banking initiatives and wealth management services to capture market share. This position requires constant engagement with the board to maintain fiscal health and regulatory compliance. By optimizing capital allocation, the President & Chief Executive Officer supports the expansion of mortgage and commercial loan products. The President & Chief Executive Officer maintains a focus on long-term shareholder value through disciplined financial management. Through strategic oversight, the President & Chief Executive Officer secures the company's position as a leading financial institution in the region.

Thomas Murphy, the President & Chief Executive Officer at Arrow Financial, manages the operational execution of core banking services. This leadership role involves overseeing the daily performance of deposit accounts and money market offerings to ensure liquidity and customer satisfaction. By directing the branch network, Thomas Murphy maintains high service standards across the northeastern New York market. The President & Chief Executive Officer coordinates with the executive team to refine consumer loan products and improve digital banking accessibility. This position requires constant monitoring of operational efficiency to support the company's $4 billion asset base. By optimizing the delivery of financial services, the President & Chief Executive Officer drives customer acquisition and retention. The President & Chief Executive Officer maintains a focus on operational excellence to support the broader corporate mission. Through consistent leadership, the President & Chief Executive Officer ensures the stability and growth of the banking subsidiaries.

Penko Ivanov, the Sevp Chief Financial Officer & Treasurer at Arrow Financial, manages the financial health and capital structure of the organization. This leadership role involves overseeing treasury operations, financial reporting, and investment strategies for the $4 billion asset base. By directing the financial planning process, Penko Ivanov ensures the company maintains regulatory compliance and fiscal stability across northeastern New York. The Sevp Chief Financial Officer & Treasurer collaborates with the executive team to optimize the balance sheet and manage liquidity risks. This position requires constant analysis of market conditions to inform strategic investment decisions. By overseeing the treasury function, the Sevp Chief Financial Officer & Treasurer supports the growth of mortgage and commercial loan portfolios. The Sevp Chief Financial Officer & Treasurer maintains a focus on accurate financial reporting to provide transparency to stakeholders. Through disciplined financial management, the Sevp Chief Financial Officer & Treasurer secures the company's long-term economic viability.

Brooke Pancoe, the Executive Vice President & Chief Human Resources Officer at Arrow Financial, directs the talent acquisition and organizational development strategies for the company. This leadership role involves overseeing workforce planning and employee engagement initiatives to support the $4 billion asset holding company. By managing human capital, Brooke Pancoe ensures the organization attracts and retains top talent across northeastern New York. The Executive Vice President & Chief Human Resources Officer collaborates with the executive team to align corporate culture with the strategic goals of the bank. This position requires constant evaluation of compensation structures and professional development programs to maintain a competitive workforce. By optimizing internal communication and performance management, the Executive Vice President & Chief Human Resources Officer drives operational efficiency. The Executive Vice President & Chief Human Resources Officer maintains a focus on building a high-performing team to support the company's long-term growth and service excellence.