Rhinebeck Bancorp, Inc.

SCHEDULE 14A INFORMATION

Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

(Amendment No. )

Filed by the Registrant⌧

Filed by a Party other than the Registrant◻

Check the appropriate box:

Rhinebeck Bancorp, Inc.

(Name of Registrant as Specified In Its Charter)

N/A

(Name of Person(s) Filing Proxy Statement, if other than the Registrant)

Payment of Filing Fee (Check all boxes that apply):

April 15, 2026

Dear Fellow Stockholder:

You are cordially invited to attend the annual meeting of stockholders of Rhinebeck Bancorp, Inc., the holding company for Rhinebeck Bank.

We will hold the meeting at Rhinebeck Bank’s corporate office, located at 2 Jefferson Plaza, Poughkeepsie, New York and virtually via live webcast at www.cstproxy.com/rhinebeckbancorp/2026 on Tuesday, May 19, 2026, at 9:00 a.m., Eastern time. You will be able to attend the meeting online, vote your shares electronically and submit questions during the meeting by visitingwww.cstproxy.com/rhinebeckbancorp/2026. To participate in the virtual meeting, you will need the 12-digit control number included on your proxy card. The meeting will begin promptly at 9:00 a.m., Eastern time. We encourage you to access the meeting prior to the start time. The notice of annual meeting and the proxy statement appearing on the following pages describe the formal business to be transacted at the meeting.

It is important that your shares are represented at this meeting, whether or not you attend the meeting in person or virtually and regardless of the number of shares you own. To ensure your shares are represented, we urge you to vote promptly by completing and mailing the enclosed proxy card or via the Internet. Voting instructions appear on the enclosed proxy card. If you attend the meeting, either in person or virtually, you may vote even if you have previously mailed a proxy card or voted by Internet.

We look forward to seeing you at the meeting.