The morning brief, in your inbox before you sit down.

New deals · status changes · contested meetings · activist filings. Sent 7am ET on weekdays. Preview today’s

Morning Report
Today's Brief

Adirondack Bancorp, Inc.

private/Arrow Financial CorporationAROW

Arrow Financial to acquire Adirondack Bancorp in mixed consideration deal

$89MMixedDefinitive Proxyhigh confidence

Key takeaways

  • Arrow Financial Corporation acquires Adirondack Bancorp, Inc. — $89M aggregate (mixed).

Merger Arbeconomics, downside, days

Deal value

$89M

mixed

Per-share offer

Premium

Days to close

Term fee

ConsiderationMixed
AnnouncedApr 24, 2026
Days outstanding84d
Expected close
Termination fee
Reverse term fee
Go-shop period
Fiduciary out
Financing condition
Debt commitment
Insider lock-up

Timelineannounced → close
  1. Announced

    Apr 24, 2026

  2. Preliminary Proxy

  3. Definitive Proxy

  4. Record date

  5. Shareholder vote

  6. Expected close


Vote Mechanicsrecord / mailing / vote
Vote required
Vote date
Record date
Mailing date
Record → vote
Thresholda majority of the votes entitled to be cast by the holders of outstanding shares of Adirondack common stock entitled to vote thereon
Min approvalparsed
Shares outstanding
Insider lock-up

Regulatory & ConditionsHSR / EU / CFIUS / MAC

No regulatory or closing-conditions data extracted yet. The merger agreement Exhibit 10.1 contains this in the “Conditions to Closing” and “Regulatory Approvals” articles.


Closing Conditionsapprovals · vote · financing · lockups
0 done · 1 pending · 1 total
  • Shareholder approval· a majority of the votes entitled to be cast by the holders of outstanding shares of Adirondack common stock entitled to vote thereon

Interloper Riskcompeting bids, activist filers

No competing-bidder, activist, or dissident-proxy signals in the database for this target.


Advisors

Acquirer side· Arrow Financial Corporation

Legal

Spierer, Woodward, Corbalis & Goldberg P.C.

  • · Ernie Panasci
  • · Kevin O'Connell
  • · Jacob Hedgpeth
Ernie Panasci, Esq. Kevin O'Connell, Esq. Jacob Hedgpeth, Esq. Spierer, Woodward, Corbalis & Goldberg P.C. 5050 South Syracuse Street, Suite 900 Denver, CO 80237 (303) 792-3456

Target side· Adirondack Bancorp, Inc.

Legal

Luse Gorman, PC

  • · Jeffrey Cardone
  • · Marc P. Levy
  • · Gregory M. Sobczak
Jeffrey Cardone, Esq. Marc P. Levy, Esq. Gregory M. Sobczak, Esq. Luse Gorman, PC 5335 Wisconsin Avenue, N.W., Suite 780 Washington, D.C. 20015 (202) 274-2000

Counterparty Historyprior deals in DB
FirmRoleSideDeals in DB
Luse Gorman, PCLegalTarget3View deals →
Spierer, Woodward, Corbalis & Goldberg P.C.LegalAcquirer1View deals →

Filing Timelineevery filing on this issuer
  1. Apr 24, 2026this filing

    Arrow Financial to acquire Adirondack Bancorp in mixed consideration deal


Comparablessimilar size band, definitive
AnnouncedTargetAcquirerValueConsid.PremiumTerm Fee %
Apr 24, 2026The Farmers Bancorp, Frankfort, Indiana(FABP)Richmond Mutual Bancorporation, Inc.$82Mstock
Apr 24, 2026The Farmers Bancorp, Frankfort, Indiana(FABP)Richmond Mutual Bancorporation, Inc.$85Mstock
Apr 30, 2026Carbonium Core, Inc.TOMI Environmental Solutions, Inc.$120Mstock
Apr 24, 2026Cantor Equity Partners II, Inc.Securitize Holdings, Inc.$225Mmixed
Apr 28, 2026Jackson Supply CompanyWatsco, Inc.$230M
Apr 24, 2026M2i Global, Inc.Volato Group, Inc.$33Mstock
Apr 24, 2026Ace Green Recycling, Inc.Athena Technology Acquisition Corp. II$250Mstock

Sources

Arrow Financial Corporation agreed to acquire Adirondack Bancorp, Inc. in a transaction where each Adirondack share converts to 1.8610 Arrow shares plus $18.72 cash, valuing the deal at approximately $89.1 million on an aggregate basis as of the February 25, 2026 announcement date. The transaction requires approval by a majority of Adirondack shareholders and is structured as a three-step merger including a bank merger. Former Adirondack shareholders are expected to own approximately 11% of the combined company.

Item id: 4e10daf4-6753-4c76-8ab4-36407b6654a7 · ingested Apr 24, 2026