Rhinebeck Bancorp (NASDAQ: RBKB) furnishes 2025 Q4 and full-year results

Rhea-AI Filing Summary

Rhinebeck Bancorp, Inc. filed a current report to furnish a press release announcing its 2025 fourth quarter and full-year financial results. The company issued the release on January 29, 2026, and attached it as Exhibit 99.1.

The financial information in the press release is being furnished rather than filed under the Exchange Act, which limits its use for certain legal purposes. No specific revenue, earnings, or balance sheet figures are included in this report itself.

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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): January 29, 2026

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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 January 29, 2026, Rhinebeck Bancorp, Inc. issued a press release announcing 2025 fourth quarter and year-end 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 January 29, 2026.

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: January 29, 2026	By: /s/ Kevin Nihill
​	Kevin Nihill
​	Chief Financial Officer

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FAQ

What did Rhinebeck Bancorp (RBKB) disclose in this 8-K filing?

Rhinebeck Bancorp disclosed that it issued a press release announcing its 2025 fourth quarter and year-end financial results. The press release is attached as Exhibit 99.1, and the financial information it contains is furnished, not filed, under the Securities Exchange Act of 1934.

When did Rhinebeck Bancorp (RBKB) announce its Q4 and 2025 year-end results?

Rhinebeck Bancorp announced its 2025 fourth quarter and year-end financial results on January 29, 2026. On that same date, the company filed a Form 8-K to furnish the related press release, which is included as Exhibit 99.1 to the report.

Where can investors find Rhinebeck Bancorp’s detailed 2025 financial results?

Investors can find Rhinebeck Bancorp’s detailed 2025 fourth quarter and year-end financial results in the press release attached as Exhibit 99.1. The Form 8-K itself summarizes the event but directs readers to the full press release for complete financial information.

What does it mean that Rhinebeck Bancorp’s financial press release is ‘furnished’?

Labeling the press release as ‘furnished’ means the information is provided for investors’ benefit but is not considered ‘filed’ under Section 18 of the Exchange Act. This generally affects certain legal liabilities without changing access to the underlying financial details.

Who signed the Rhinebeck Bancorp (RBKB) 8-K reporting 2025 results?

The Form 8-K reporting Rhinebeck Bancorp’s 2025 fourth quarter and year-end results was signed by Kevin Nihill, the company’s Chief Financial Officer. His signature indicates the report was authorized on behalf of Rhinebeck Bancorp as of January 29, 2026.