Welcome to our dedicated page for Rhinebeck Bancorp SEC filings (Ticker: RBKB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Navigating a community bank’s disclosures isn’t easy. Rhinebeck Bancorp’s 10-K alone details indirect automobile loans, credit-loss provisions, and interest-rate sensitivity tables that can stretch past 200 pages. Finding when executives file Form 4s or which deposits drive the net interest margin often requires hours of cross-referencing multiple reports.
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Use this page to:
- Track Form 4 insider transactions the moment directors buy or sell shares
- Compare loan-portfolio shifts quarter-over-quarter without combing through footnotes
- See deposit growth, capital ratios, and fee-income trends highlighted by AI
- Review the Rhinebeck Bancorp proxy statement executive compensation to understand leadership incentives
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Rhinebeck Bancorp (RBKB) reported a profitable Q3 2025. Net income was $2.7 million (basic EPS $0.25), compared with a loss a year ago, as net interest income rose and funding costs eased.
Net interest income increased to $12.0 million from $9.7 million, with interest expense down to $5.7 million from $6.3 million. Provision for credit losses was $0.9 million. Non-interest income was $1.9 million, versus a prior-year loss driven by a one-time $12.0 million securities sale loss in 2024. Non-interest expense was $9.7 million.
On the balance sheet, total assets were $1.316 billion. Deposits reached $1.116 billion (non-interest bearing $252.7 million). Loans, net, were $977.6 million. Cash and equivalents rose to $103.5 million, while FHLB advances declined to $26.6 million. Stockholders’ equity improved to $133.0 million as accumulated other comprehensive loss narrowed.
Rhinebeck Bancorp (RBKB) reported an insider transaction by its CFO and Treasurer. On 11/06/2025, the officer purchased 1,000 shares of common stock at $9.67 per share. Following this trade, the officer beneficially owns 15,532 shares, held directly.
The reported total includes restricted stock that vests at a rate of 33 1/3% per year commencing on July 9, 2025.
Rhinebeck Bancorp, Inc. furnished a Form 8-K announcing its third quarter 2025 financial results via a press release attached to the report. The company states this information is being “furnished” rather than “filed” under the Exchange Act.
The press release containing the detailed quarterly figures is included as an exhibit to the report.
Rhinebeck Bancorp (RBKB) filed a Form 3, the initial statement of beneficial ownership. The reporting person is listed as both Director and President & CEO, with the date of event on 10/20/2025. The filing reports 0 shares of Common Stock beneficially owned in direct form. No derivative securities are reported in Table II. The form indicates it was filed by one reporting person.
Rhinebeck Bancorp, Inc. reported that Suzane Loughlin resigned from the Board of Trustees of Rhinebeck Bancorp, MHC and the Company’s Board of Directors, effective December 17, 2025. The Company stated there were no disagreements. Ms. Loughlin will continue to serve on the Board of Directors of Rhinebeck Bank.
On October 21, 2025, the MHC and the Company each voted to reduce the size of their boards to eliminate the vacancy created by her retirement, effective December 17, 2025.
Michael J. Quinn, President & CEO and Director of Rhinebeck Bancorp (RBKB), reported option exercise and share disposition on 09/09/2025. He exercised 95,100 stock options at an exercise price of $6.57 per share, and those options are fully vested. The same filing reports a disposition of 55,646 shares at a price of $13.00 per share. The Form 4 also lists indirect holdings including 7,401 shares in a 401(k), 3,357 shares in an ESOP, 10,100 shares in a spouse's IRA and 1,000 shares directly held by spouse. The filing is signed 09/11/2025.
Rhinebeck Bancorp insider reported multiple stock sales and existing holdings. The filing shows James T. McCardle III, Chief Credit Officer and director, sold 685 shares on 08/12/2025 at $12.74 and sold 4,250 shares on 08/29/2025 at $13.14, totaling 4,935 shares sold. Following the 08/29 sale his direct beneficial ownership is reported as 3,580 shares. He also holds indirect positions of 9,867 shares via a 401(k) and 3,192 shares via an ESOP. Separately, he beneficially owns 28,000 fully vested stock options with a $6.57 exercise price expiring 08/25/2030. All figures are taken directly from the Form 4.
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