Every 10-Q that Rhinebeck Bancorp Inc (RBKB) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow RBKB and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full RBKB filings page.
Rhinebeck Bancorp, Inc. reported total assets of $1.47 billion at June 30, 2026, up from $1.30 billion at year-end 2025, driven by a large increase in cash and cash equivalents to $304.6 million and deposit growth to $1.28 billion. Net loans declined to $918.5 million as indirect automobile and multifamily balances fell, while available-for-sale securities stood at $171.4 million with net unrealized losses of $8.8 million.
For the quarter ended June 30, 2026, net income was $2.6 million (basic EPS $0.24), versus $2.7 million a year earlier; six‑month net income was $4.8 million. Net interest income for the first six months was $22.8 million, and the total (credit to) provision for credit losses was $0.1 million. The allowance for credit losses on loans was $7.7 million, with non‑accrual loans of $3.0 million.
On July 21, 2026, after quarter‑end, the company completed a second-step conversion and sold 8,880,210 shares at $10.00 per share for gross proceeds of $88.8 million, resulting in 15,635,966 shares outstanding. Earnings per share and share data in this report do not reflect this transaction.
Rhinebeck Bancorp, Inc. reported Q1 2026 net income of $2.2M, slightly below $2.3M a year earlier, with diluted earnings per share of $0.20 versus $0.21. Net interest income edged up to $11.2M, while provision for credit losses on loans fell to $82K from $377K, indicating relatively stable credit costs.
Total assets were $1.28B as of March 31, 2026, compared with $1.30B at year-end 2025, as net loans declined and cash and cash equivalents increased. Deposits totaled $1.10B, modestly higher than $1.10B at December 31, 2025, and stockholders’ equity rose to $138.6M.
Total comprehensive income declined to $1.8M from $4.1M in Q1 2025, mainly because unrealized gains on available-for-sale securities turned into a modest unrealized loss. Regulatory capital ratios remained strong, and the bank continued to be categorized as well capitalized.
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.