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

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Contents

Consolidated Statements of Income



· · Years Ended December 31,
· · 2025 · · 2024
Interest and Dividend Income
Interest and fees on loans	$61,157	$57,835
Interest and dividends on securities	5,110	4,274
Other interest income	2,606	1,113
Total interest and dividend income	68,873	63,222
Interest Expense
Interest expense on deposits	20,517	21,294
Interest expense on borrowings	1,963	4,233
Total interest expense	22,480	25,527
Net interest income	46,393	37,695
Provision for Credit Losses	1,659	2,800
Net interest income after provision for credit losses	44,734	34,895
Non-interest Income (Loss)
Service charges on deposit accounts	2,984	3,002
Net realized loss on sales of securities	—	(16,041)
Net gain on sales of loans	252	160
Increase in cash surrender value of life insurance	780	751
Net gain from sale of other real estate owned	—	4
Net gain (loss) on disposal of premises and equipment	9	(18)
Gain on life insurance	—	413
Investment advisory income	1,510	1,532
Other	1,436	1,213
Total non-interest income (loss)	6,971	(8,984)
Non-interest Expense
Salaries and employee benefits	21,614	20,372
Occupancy	4,357	4,266
Data processing	2,186	2,041
Professional fees	1,807	1,930
Marketing	859	588
FDIC deposit insurance and other insurance	1,042	1,105
Amortization of intangible assets	60	80
Other	7,095	6,466
Total non-interest expense	39,020	36,848
Net income (loss) before income taxes	12,685	(10,937)
Net Provision (Benefit) for Income Taxes	2,640	(2,317)
Net income (loss)	$10,045	$(8,620)

Earnings (loss) per common share:
Basic	$0.93	$(0.80)
Diluted	$0.92	$(0.80)

Weighted average shares outstanding, basic	10,806,021	10,757,750
Weighted average shares outstanding, diluted	10,957,428	10,757,750

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.