RBKB on Nasdaq

Rhinebeck Bancorp, Inc.

Rhinebeck Bancorp, Inc. is an American savings institutions company, incorporated in Maryland.1 It is headquartered in Poughkeepsie, New York.1 Its shares trade on Nasdaq under the symbol RBKB.1

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Last updated Oct 20, 2026.

Overview

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  • TickerRBKB on Nasdaq1
  • IndustrySavings Institutions, Not Federally Chartered1
  • HeadquartersPoughkeepsie, New York1
  • Incorporated inMD2
  • Business address2 Jefferson Plaza, Poughkeepsie, Ny 126012
  • Filer categoryNon-accelerated filer, Smaller reporting company2

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Rhinebeck Bancorp, Inc., (the “Company”) a Maryland corporation, was incorporated in August 2018. On January 16, 2019, the Company became the holding company for Rhinebeck Bank (the “Bank”) when it completed the reorganization of the Company and the Bank into a two-tier mutual holding company form of organization. The Company is regulated by the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”) and the New York State Department of Financial Services (the “NYSDFS”). The consolidated financial results contained herein reflect the consolidated accounts of the Company and the Bank.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

336.6%Net margin5
-0.6%Revenue growth, 20255
7.3%Return on equity5
$10.9MFree cash flow5

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Income tax21¢$2.6M
  • Profit79¢$10.0M

Out of $3.0M in revenue.5

Where each dollar of operating cash went, fiscal 2025

  • Capital spending7¢$850.0K
  • Share buybacks1¢$95.0K
  • Kept or used elsewhere92¢$10.8M

Out of $11.7M of cash from operations.5

Financial statements

Revenue6789105$3.0M in 2025+6% since 2019
0$1.0M$2.0M$3.0M$4.0M2019: $2.8M$2.8M20192020: $2.3M$2.3M2020−19%2021: $2.6M$2.6M2021+14%2022: $2.8M$2.8M2022+9%2023: $2.9M$2.9M2023+2%2024: $3.0M$3.0M2024+4%2025: $3.0M$3.0M2025−1%
Net income6789105$10.0M in 2025+68% since 2019
-$10.0M0$10.0M$20.0M2019: $6.0M$6.0M20192020: $5.9M$5.9M2020−1%2021: $11.6M$11.6M2021+95%2022: $7.0M$7.0M2022−39%2023: $4.4M$4.4M2023−37%2024: -$8.6M-$8.6M20242025: $10.0M$10.0M2025

Every line of the income statement as filed: the last 2 fiscal years, latest first.5

Period ending2025-12-312024-12-31
Interest and fees on loans$61.2M$57.8M
Interest and dividends on securities$5.1M$4.3M
Other interest income$2.6M$1.1M
Total interest and dividend income$68.9M$63.2M
Interest expense on deposits$20.5M$21.3M
Interest expense on borrowings$2.0M$4.2M
Total interest expense$22.5M$25.5M
Net interest income$46.4M$37.7M
Provision for Credit Losses$1.7M$2.8M
Net interest income after provision for credit losses$44.7M$34.9M
Service charges on deposit accounts$3.0M$3.0M
Net realized loss on sales of securities-$16.0M
Net gain on sales of loans$252.0K$160.0K
Increase in cash surrender value of life insurance$780.0K$751.0K
Net gain from sale of other real estate owned$4.0K
Net gain (loss) on disposal of premises and equipment$9.0K-$18.0K
Gain on life insurance$413.0K
Investment advisory income$1.5M$1.5M
Other$1.4M$1.2M
Total non-interest income (loss)$7.0M-$9.0M
Salaries and employee benefits$21.6M$20.4M
Occupancy$4.4M$4.3M
Data processing$2.2M$2.0M
Professional fees$1.8M$1.9M
Marketing$859.0K$588.0K
FDIC deposit insurance and other insurance$1.0M$1.1M
Amortization of intangible assets$60.0K$80.0K
Other$7.1M$6.5M
Total non-interest expense$39.0M$36.8M
Net income (loss) before income taxes$12.7M-$10.9M
Net Provision (Benefit) for Income Taxes$2.6M-$2.3M
Net income (loss)$10.0M-$8.6M
Basic (in dollars per share)$0.93-$0.80
Diluted (in dollars per share)$0.92-$0.80
Weighted average shares outstanding, basic (in shares)10.8M shares10.8M shares
Weighted average shares outstanding, diluted (in shares)11.0M shares10.8M shares

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Corporate structure

Rhinebeck Bancorp, Inc. sits at the top of its group. 3 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Rhinebeck Bancorp, Inc.

  • M3 PARTNERS LP Filed SCHEDULE 13G/A on Rhinebeck Bancorp, Inc., latest Aug 11, 2026 (4 filings since Sep 26, 2022)
  • EJF Capital LP Filed SC 13G/A on Rhinebeck Bancorp, Inc., latest Feb 14, 2023
  • Rhinebeck Bancorp, Inc. Poughkeepsie, New York
    • Rhinebeck Bank 100% Subsidiary · New York, United States
    • RSB Capital Trust I 100% Subsidiary · Delaware, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Rhinebeck Bancorp, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$44.3M5 Dec 31, 2025$43.5M5 Dec 31, 2024+1.9%
Accumulated depreciation$30.7M5 Dec 31, 2025$29.4M5 Dec 31, 2024+4.4%
Property and equipment, net$13.6M5 Dec 31, 2025$14.1M5 Dec 31, 2024−3.4%
Operating-lease assets (leased space)$6.0M5 Dec 31, 2025$7.3M5 Dec 31, 2024−17.3%

Investments

ItemLatestA year beforeChange
Loans, net of allowance$953.4M5 Dec 31, 2025$971.8M5 Dec 31, 2024−1.9%
Deposits held (banks)$1.1B5 Dec 31, 2025$1.0B5 Dec 31, 2024+7.5%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$2.2M5 Dec 31, 2025$2.2M5 Dec 31, 20240%
Intangible assets, net (excluding goodwill)$106.0K5 Dec 31, 2025$166.0K5 Dec 31, 2024−36.1%
Finite-lived intangibles, net$106.0K5 Dec 31, 2025$166.0K5 Dec 31, 2024−36.1%

Properties, in its own words

At December 31, 2025, we conducted business through our corporate office and 12 retail banking offices located in Rhinebeck, Fishkill, Goshen, Hopewell Junction, Hyde Park, Kingston, Newburgh, Poughkeepsie (three branch offices), Red Hook and Warwick, one representative office in Albany to originate commercial and indirect automobile loans, and one representative office in Poughkeepsie for financial services. We own six and lease nine properties, and own three other buildings situated on land controlled under long-term leases. At December 31, 2025, the net book value of our land, buildings, furniture, fixtures and equipment was $13.6 million.

Item 2 of the 10-K filed Mar 13, 2026.4

Leadership

Who has led Rhinebeck Bancorp, Inc., and when. Pick a name to see everywhere that person has worked.

President

  1. Francis X. Dwyer2019–2024

Chief financial officer

  1. Michael J. McDermott2019–2023
  2. Phillip Lekanides2024
  3. Kevin M. Nihill2024–now

Chief operating officer

  1. Jamie J. Bloom2019–now
20202025
Board members and other officers (17)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • RSB Capital Trust I 100% Delaware3
  • Rhinebeck Bank 100% New York3

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. Oct 6, 20268-K Executive or director change35
  2. Aug 18, 20268-K Executive or director change36
  3. Aug 14, 20268-K Executive or director change37
  4. Jul 23, 20268-K Results of operations38
  5. Jul 21, 20268-K Other events39
  6. Jul 17, 20268-K Other events40
  7. Jun 29, 20268-K Shareholder vote; Other events41
  8. May 26, 20268-K Other events42
  9. May 19, 20268-K Shareholder vote43
  10. May 14, 20268-K Entered a material agreement44
  11. Apr 23, 20268-K Results of operations45
  12. Feb 10, 20268-K Other events46

Calendar

Coming up

  1. Oct 27, 2026Reports results for the quarter ending Sep/202647

When it reported results

  1. Jul 23, 2026Reported quarterly or annual results38
  2. Apr 23, 2026Reported quarterly or annual results45
  3. Jan 29, 2026Reported quarterly or annual results48
  4. Oct 28, 2025Reported quarterly or annual results49
  5. Jul 24, 2025Reported quarterly or annual results50
  6. Apr 24, 2025Reported quarterly or annual results51
  7. Jan 30, 2025Reported quarterly or annual results52
  8. Dec 26, 2024Reported quarterly or annual results53

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

178 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 47 major events, 78 insider forms, 6 large holders, 27 other. The latest 20:

  1. Oct 6, 20268-K CURRENT REPORT FILING EDGAR
  2. Aug 18, 20268-K CURRENT REPORT FILING EDGAR
  3. Aug 14, 20268-K CURRENT REPORT FILING EDGAR
  4. Aug 13, 202610-Q EDGAR
  5. Aug 11, 2026SCHEDULE 13G/A EDGAR
  6. Aug 6, 20264 EDGAR
  7. Jul 23, 20268-K EDGAR
  8. Jul 23, 20264 EDGAR
  9. Jul 23, 20264 EDGAR
  10. Jul 23, 20264 EDGAR
  11. Jul 23, 20264 EDGAR
  12. Jul 21, 20268-K EDGAR
  13. Jul 21, 20264 EDGAR
  14. Jul 21, 20264 EDGAR
  15. Jul 21, 20264 EDGAR
  16. Jul 21, 20264 EDGAR
  17. Jul 21, 20264 EDGAR
  18. Jul 21, 20264 EDGAR
  19. Jul 21, 20264 EDGAR
  20. Jul 21, 20264 EDGAR

The 178 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

24 open-market trades by officers, directors and large owners since October 2021: 10 buys and 14 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 6, 2026Vitale MichaelEVP, Head of Comm BankingBuy4,834$12.35$59.7KForm 4
Jul 22, 2026Loughlin SuzanneDirectorBuy12,500$11.93$149.1KForm 4
Jul 22, 2026Vitale MichaelEVP, Head of Comm BankingBuy5,000$11.94$59.7KForm 4
Jul 22, 2026Patzwahl Nancy KoskeyDirectorBuy25,000$11.94$298.5KForm 4
Jul 22, 2026Smith Matthew JamesPresident & CEOBuy12,425$12.00$149.1KForm 4
May 19, 2026Bronzi Philip J1st SVP, Com Mkt PresSale4,162$15.92$66.3KForm 4
Dec 3, 2025Bronzi Philip J1st SVP, Com Mkt PresSale5,046$11.08$55.9KForm 4
Nov 6, 2025Nihill Kevin MCFO and TreasurerBuy1,000$9.67$9.7KForm 4
Aug 29, 2025McCardle James T. IIIChief Credit & Risk OfficerSale4,250$13.14$55.8KForm 4
Aug 12, 2025McCardle James T. IIIChief Credit & Risk OfficerSale685$12.74$8.7KForm 4
Feb 13, 2025Nihill Kevin MCFO and TreasurerBuy1,000$10.00$10.0KForm 4
Dec 6, 2024Dwyer Francis X.President of SubsidiarySale14,779$9.78$144.5KForm 4
Nov 29, 2024Morgan-D'Amelio Karen E.CRO, Gen. Cnsl and Corp Sec.Sale1,536$9.83$15.1KForm 4
Nov 26, 2024Morgan-D'Amelio Karen E.CRO, Gen. Cnsl and Corp Sec.Sale1,430$9.80$14.0KForm 4
Nov 25, 2024Dwyer Francis X.President of SubsidiarySale250$9.83$2.5KForm 4
Dec 6, 2023Bloom Jamie J.Chief Operating OfficerSale600$6.25$3.8KForm 4
Dec 5, 2023Bloom Jamie J.Chief Operating OfficerSale2,234$6.37$14.2KForm 4
Dec 1, 2023Tumolo Louis Jr.DirectorBuy2,000$6.30$12.6KForm 4
Nov 30, 2023Tumolo Louis Jr.DirectorBuy2,000$6.34$12.7KForm 4
Mar 1, 2023Morgan-D'Amelio Karen E.CRO, Gen. Cnsl and Corp Sec.Sale600$9.35$5.6KForm 4

All 24 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Michael J. Quinn$565.0K$835.1K56
2025Jamie J. Bloom$403.7K$577.2K56
2025Kevin Nihill$370.8K$516.8K56
2025Matthew J. Smith$105.4K$205.4K56
2024Former President and Chief Executive Officer$565.0K$688.6K56
2024Chief Operating Officer$392.0K$431.7K56
2024Chief Financial Officer$173.2K$395.8K56
2023Former President and Chief Executive Officer$543.3K$661.2K56
2023Chief Operating Officer$376.9K$412.1K56

SEC filer profile

How Rhinebeck Bancorp, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARRhinebeck Bancorp, Inc.1
  • CIK0001751783
  • Employer ID (EIN)83-21172684
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company4
  • Incorporated inMaryland4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6036 Savings Institutions, Not Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address2 Jefferson Plaza, Poughkeepsie, NY 126011
  • Phone845-454-85551
  • Shares outstanding15,635,966 as of Aug 1, 202612
  • Public float$45.0M as of Jun 30, 20254
  • AuditorWolf & Company, P.C., Boston, Massachusetts PCAOB ID 392; no auditor attestation of internal control over financial reporting4
  • On EDGAR sinceSep 10, 20181
  • Filings319 in all: 4 (114), 8-K (72), 3 (25), 10-Q (24), 4/A (15), 10-K (8), 11-K (8), DEF 14A (8)1
    All 26 form types

    SC 13G/A (6), 424B3 (5), CORRESP (5), ARS (4), S-1/A (4), EFFECT (3), S-8 (3), SC 13G (3), S-1 (2), UPLOAD (2), 3/A (1), 425 (1), 8-A12B (1), CERT (1), DEFA14A (1), POS AM (1), SC 13D (1), SCHEDULE 13G/A (1)

  • Latest filingsAnnual report (10-K) Mar 13, 2026
    Quarterly report (10-Q) Aug 13, 2026
    Proxy statement (DEF 14A) Apr 15, 2026
    Latest 8-K (8-K) Oct 6, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, par value $0.01 per shareRBKBThe NASDAQ Stock Market, LLC

From the cover page of the 10-K filed Mar 13, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks Rhinebeck Bancorp, Inc. names in Item 1A of its 10-K filed Mar 13, 2026: 36 risks under these headings, as written.4

  • Risks Related to Our Lending Activities
  • Our emphasis on commercial real estate and commercial business lending involves risks that could adversely affect our financial condition and results of operations.
  • Our automobile loan portfolio exposes us to increased credit risks.
  • Our allowance for credit losses may not be sufficient to cover actual loan losses.
  • Our non-owner occupied commercial real estate loans may expose us to increased credit risk.
  • We are subject to environmental liability risk associated with lending activities.
  • Risks Related to Economic Conditions
  • Our business may be adversely affected by downturns in the local economy.
  • A decline in economic conditions could reduce demand for our products and services and/or result in increases in our level of non-performing loans, which could have an adverse effect on our results of operations.
  • Inflation can have an adverse impact on our business and on our customers.
  • Changes to trade policies and tariffs can have an adverse impact on our business and our customers.
  • Interruption of our customers' supply chains could negatively impact their business and operations and impact their ability to repay their loans.
The other 26 risks
  • Risks Related to Interest Rates
  • Changes in interest rates may reduce our profits.
  • Risks Related to Our Funding and Liquidity
  • Our inability to generate core deposits may cause us to rely more heavily on wholesale funding strategies for funding and liquidity needs, which could have an adverse effect on our net interest margin and profitability.
  • A lack of liquidity could adversely affect our financial condition and results of operations and result in regulatory limits being placed on us.
  • Risk Related to Our Business Strategy
  • Our long-term business strategy involves organic growth, and our financial condition and results of operations may be adversely affected if we fail to grow or fail to manage our growth effectively.
  • Our inability to tailor our retail delivery model to respond to consumer preferences in banking may negatively affect earnings.
  • We may pursue acquisitions of other financial institutions, branch offices, lines of business, or lift-outs of lending or deposit gathering teams from other financial institutions.
  • Risks Related to Laws and Regulations
  • Changes in laws and regulations and the cost of regulatory compliance with new laws and regulations may adversely affect our operations and/or increase our costs of operations.
  • The fiscal, monetary and regulatory policies of the federal government and its agencies could have an adverse effect on our results of operations.
  • Non-compliance with the USA PATRIOT Act, Bank Secrecy Act, or other laws and regulations could result in fines or sanctions.
  • Changes in accounting standards could affect reported earnings.
  • We are subject to stringent capital requirements, which may adversely impact our return on equity, or constrain us from paying dividends or repurchasing shares.
  • Risks Related to Our Business and Operations
  • Strong competition within our market area may reduce our profits and slow growth.
  • Our cost of operations is high relative to our assets. Our failure to maintain or reduce our operating expenses may reduce our profits.
  • Our success depends on hiring and retaining certain key personnel.
  • Changes in management’s estimates and assumptions may have a material impact on our consolidated financial statements and our financial condition or operating results.
  • We may be subject to risks and losses resulting from fraudulent activities that could adversely impact our financial performance and results of operations.
  • Our risk management framework may not be effective in mitigating risk and reducing the potential for significant losses.
  • We are a community bank and our ability to maintain our reputation is critical to the success of our business. The failure to do so may materially adversely affect our performance.
  • Risks Related to Our Wealth Management Business
  • Our wealth management business is subject to risks associated with the industry and strong competition for clients.
  • Risks Related to Privacy, Security and Technology
  • Regulations relating to privacy, information security and data protection could increase our costs, affect or limit how we collect and use personal information and adversely affect our business opportunities.
  • Systems failures or breaches of our network security could subject us to increased operating costs as well as litigation and other liabilities.
  • While our board of directors takes an active role in cybersecurity risk tolerance, we rely to a large degree on management and outside consultants in overseeing cybersecurity risk management.
  • Technological changes may adversely impact our business.
  • Risks Relating to Ownership of Our Common Stock
  • We may not pay any dividends on our common stock.
  • Our common stock is not heavily traded, and the stock price may fluctuate significantly.
  • The Company’s Articles of Incorporation and Bylaws and Maryland law may discourage a corporate takeover.

Legal proceedings

Periodically, there have been various claims and lawsuits against us, such as claims to enforce liens, condemnation proceedings on properties in which we hold security interests, claims involving the making and servicing of real property loans and other issues incident to our business. At December 31, 2025, we were not a party to any pending legal proceedings that we believe would have a material adverse effect on our financial condition, results of operations or cash flows.

The opening of Item 3, Legal Proceedings.4

Sources

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