Rhinebeck Bancorp, Inc.

For the period ended Mar 31, 2026. Filed May 14, 2026.

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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Mar 31, 2026 · Filed May 14, 2026

RBKB$13.31+0.5%Stored close · as of Nov 9, 2026

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Contents


PART I. FINANCIAL INFORMATION	1

Item 1.	Financial Statements (Unaudited)	1

	Consolidated Statements of Financial Condition at March 31, 2026 and December 31, 2025	1

	Consolidated Statements of Income for the Three Months Ended March 31, 2026 and 2025	2

	Consolidated Statements of Comprehensive Income for the Three Months Ended March 31, 2026 and 2025	3

	Consolidated Statements of Changes in Stockholders’ Equity for the Three Months Ended March 31, 2026 and 2025	4

	Consolidated Statements of Cash Flows for the Three Months Ended March 31, 2026 and 2025	5

	Notes to Consolidated Financial Statements	6

Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	37

Item 3.	Quantitative and Qualitative Disclosures About Market Risk	46

Item 4.	Controls and Procedures	46

PART II. OTHER INFORMATION	47

Item 1.	Legal Proceedings	47

Item 1A.	Risk Factors	47

Item 2.	Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchases of Equity Securities	47

Item 3.	Defaults Upon Senior Securities	47

Item 4.	Mine Safety Disclosures	47

Item 5.	Other Information	48

Item 6.	Exhibits	48

	SIGNATURES	49

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