[8-K] Rhinebeck Bancorp, Inc. Reports Material Event

Rhea-AI Filing Summary

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.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

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FORM 8-K

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CURRENT REPORT

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PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

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Date of Report (Date of earliest event reported): October 28, 2025

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Rhinebeck Bancorp, Inc.

(Exact Name of Registrant as Specified in Charter)

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Maryland	​	​	001-38779	​	83-2117268
(State or Other Jurisdiction) of Incorporation)	​	​	(Commission File No.)	​	(I.R.S. Employer Identification No.)
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2 Jefferson Plaza, Poughkeepsie, New York				​	12601
(Address of Principal Executive Offices)				​	(Zip Code)

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Registrant’s telephone number, including area code:(845) 454-8555

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Not Applicable

(Former name or former address, if changed since last report)

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Securities registered pursuant to Section 12(b) of the Act:

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Title of each class	​	Trading Symbol(s)	​	Name of each exchange on which registered
Common Stock, par value $0.01 per share	​	RBKB	​	The NASDAQ Stock Market, LLC

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

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☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

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☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

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☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17

CFR 240.14d-2(b))

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☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17

CFR 240.13e-4(c))

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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Item 2.02Results of Operations and Financial Condition.

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On October 28, 2025, Rhinebeck Bancorp, Inc. issued a press release announcing 2025 third quarter financial results.

A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended.

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Item 9.01Financial Statements and Exhibits.

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(d) Exhibits:

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99.1​ ​Rhinebeck Bancorp, Inc. Press Release dated October 28, 2025.

104Cover Page Interactive Data File (embedded within the inline XBRL).

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SIGNATURES

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Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

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​	RHINEBECK BANCORP, INC.
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DATE: October 28, 2025	By: /s/ Kevin Nihill
​	Kevin Nihill
​	Chief Financial Officer

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FAQ

What did Rhinebeck Bancorp (RBKB) announce in this filing?

RBKB furnished an 8-K stating it issued a press release announcing third quarter 2025 financial results.

Where can I find RBKB’s Q3 2025 numbers?

The detailed results are in the press release attached as an exhibit to the 8-K.

Is the information considered furnished or filed?

The company states the information is being “furnished” and not “filed” under the Exchange Act.

What type of exhibit accompanies the 8-K?

A press release announcing the 2025 third quarter financial results is attached as an exhibit.

What is the relevance of ‘furnished’ vs. ‘filed’ for RBKB’s 8-K?

Labeling as “furnished” indicates different treatment under Section 18 liability compared to “filed” information.