Arrow Financial Executive and Leadership Team

David Demarco, the President & Chief Executive Officer at Arrow Financial, directs the overarching strategic vision for the multi-bank holding company. Overseeing the $4 billion asset portfolio, the President & Chief Executive Officer ensures consistent performance across all banking subsidiaries. This leadership role involves managing complex regulatory requirements while driving expansion throughout northeastern New York. By prioritizing sustainable growth and shareholder value, David Demarco maintains the financial stability of the organization. The President & Chief Executive Officer collaborates with the board to refine long-term objectives, ensuring that the institution remains competitive in the regional market. Through rigorous oversight of deposit accounts and commercial lending initiatives, the President & Chief Executive Officer strengthens the market position of the firm. Ultimately, Demarco fosters a culture of operational excellence that supports the diverse financial needs of the regional client base.

Elizabeth Miller, the Miller Mechanical Services Inc President & Chief Executive Officer at Arrow Financial, manages specialized operational infrastructure supporting the broader corporate ecosystem. Overseeing technical service delivery, the Miller Mechanical Services Inc President & Chief Executive Officer ensures that internal systems remain optimized for high-volume financial transactions. This role involves coordinating with executive leadership to align mechanical and facility capabilities with the strategic goals of the holding company. By streamlining operational workflows, Elizabeth Miller enhances the efficiency of the organization. The Miller Mechanical Services Inc President & Chief Executive Officer monitors performance metrics to guarantee that all infrastructure investments yield maximum returns. Through proactive management of technical assets, the Miller Mechanical Services Inc President & Chief Executive Officer mitigates operational risks across the regional footprint. Ultimately, Miller drives the technical reliability required to sustain the expansive banking and insurance services provided by the firm.

Thomas Murphy, the President & Chief Executive Officer at Arrow Financial, leads the execution of consumer and commercial lending strategies. Overseeing the expansion of mortgage and loan portfolios, the President & Chief Executive Officer ensures that the firm meets the evolving credit needs of the northeastern New York market. This leadership role involves managing risk assessment protocols and optimizing the deployment of capital across various banking subsidiaries. By refining the lending framework, Thomas Murphy directly influences the revenue trajectory of the organization. The President & Chief Executive Officer coordinates with regional managers to identify emerging market opportunities and enhance service delivery. Through the implementation of advanced financial products, the President & Chief Executive Officer maintains the competitive edge of the institution. Ultimately, Murphy secures the long-term health of the loan book while upholding the rigorous standards of the holding company.

Douglas Thorn, the Director, Insurance Operations & Chief Executive Officer, Upstate Agency, Llc at Arrow Financial, manages the comprehensive insurance service division. Overseeing the integration of insurance products with traditional banking offerings, the Director, Insurance Operations & Chief Executive Officer, Upstate Agency, Llc ensures a seamless experience for clients across the region. This role involves developing strategic partnerships and expanding the reach of the agency within the competitive financial landscape. By driving growth in insurance premiums, Douglas Thorn contributes significantly to the diversified revenue streams of the holding company. The Director, Insurance Operations & Chief Executive Officer, Upstate Agency, Llc monitors market trends to adjust product offerings and maintain high customer satisfaction levels. Through the effective management of agency operations, the Director, Insurance Operations & Chief Executive Officer, Upstate Agency, Llc strengthens the overall market presence of the firm. Ultimately, Thorn delivers essential risk management solutions to the client base.

Brooke Pancoe, the Executive Vice President & Chief Human Resources Officer at Arrow Financial, directs the talent acquisition and organizational development strategies. Overseeing the human capital requirements for the entire holding company, the Executive Vice President & Chief Human Resources Officer ensures that the workforce remains aligned with the core mission of the firm. This leadership role involves designing compensation structures, managing employee relations, and fostering a high-performance culture across all subsidiaries. By implementing robust training programs, Brooke Pancoe enhances the professional capabilities of the staff. The Executive Vice President & Chief Human Resources Officer collaborates with other C-suite leaders to ensure that staffing levels support the strategic growth objectives of the organization. Through the optimization of human resources policies, the Executive Vice President & Chief Human Resources Officer drives operational efficiency and employee retention. Ultimately, Pancoe builds the internal capacity necessary to sustain the long-term success of the company.