Rhinebeck Bancorp, Inc.

For the period ended Dec 31, 2025. Filed Mar 13, 2026.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 13, 2026

RBKB$13.26-0.4%Stored close · as of Nov 10, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Consolidated Statements of Financial Condition


· · December 31,
· · 2025 · · 2024
Assets
Cash and due from banks	$16,918	$18,561
Federal funds sold	83,157	18,309
Interest-bearing depository accounts	1,911	614
Total cash and cash equivalents	101,986	37,484

Available-for-sale securities (at fair value)	162,203	159,947
Loans receivable (net of allowance for credit losses of $8,353 and $8,539, respectively)	953,385	971,779
Federal Home Loan Bank stock	1,957	3,960
Accrued interest receivable	4,882	4,435
Cash surrender value of life insurance	30,996	30,193
Deferred tax assets (net of valuation allowance of $809 and $1,336, respectively)	4,941	8,114
Premises and equipment, net	13,621	14,105
Goodwill	2,235	2,235
Intangible assets, net	106	166
Other assets	25,454	23,347
Total assets	$1,301,766	$1,255,765
Liabilities and Stockholders’ Equity
Liabilities
Deposits
Non-interest bearing	$227,272	$238,126
Interest bearing	870,068	782,657
Total deposits	1,097,340	1,020,783

Mortgagors’ escrow accounts	9,399	9,425
Advances from the Federal Home Loan Bank	25,153	69,773
Subordinated debt	5,155	5,155
Accrued expenses and other liabilities	27,867	28,796
Total liabilities	1,164,914	1,133,932

Stockholders’ Equity
Preferred stock (par value $0.01 per share; 5,000,000 authorized, no shares issued)	—	—
Common stock (par value $0.01; authorized 25,000,000; issued and outstanding 11,141,033 and 11,094,828 at December 31,2025 and 2024, respectively)	112	111
Additional paid-in capital	45,710	45,946
Unearned common stock held by the employee stock ownership plan	(2,837)	(3,055)
Retained earnings	101,797	91,766
Accumulated other comprehensive loss:
Net unrealized loss on available-for-sale securities, net of taxes	(6,255)	(10,480)
Defined benefit pension plan, net of taxes	(1,675)	(2,455)
Total accumulated other comprehensive loss	(7,930)	(12,935)
Total stockholders’ equity	136,852	121,833
Total liabilities and stockholders’ equity	$1,301,766	$1,255,765

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.