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

Rhea-AI Filing Summary

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.

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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 21, 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 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.

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On October 18, 2025, Suzane Loughlin resigned from the Board of Trustees of Rhinebeck Bancorp, MHC (the “MHC”) and the Board of Directors of Rhinebeck Bancorp, Inc. (the “Company”), effective as of December 17, 2025. There were no disagreements between Ms. Loughlin and the MHC or the Company. Ms. Loughlin will continue to serve as a member of the Board of Directors of Rhinebeck Bank.

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Item 8.01Other Events.

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On October 21, 2025, the MHC and the Company each reduced the size of its Board to eliminate the vacancy caused by Ms. Loughlin’s retirement, effective as of December 17, 2025.

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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 21, 2025	By: /s/ Kevin Nihill
​	Kevin Nihill
​	Chief Financial Officer

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FAQ

What did RBKB disclose about board changes?

Rhinebeck Bancorp said Suzane Loughlin resigned from the MHC and Company boards, effective December 17, 2025, and both boards will be reduced to remove the vacancy.

When is Suzane Loughlin’s resignation effective at RBKB?

Her resignation is effective on December 17, 2025.

Did Rhinebeck Bancorp (RBKB) report any disagreements related to the resignation?

The Company stated there were no disagreements between Ms. Loughlin and the MHC or the Company.

Will Suzane Loughlin remain involved with Rhinebeck Bank?

Yes. She will continue to serve on the Board of Directors of Rhinebeck Bank.

Did RBKB change the size of its boards?

Yes. On October 21, 2025, the MHC and the Company each reduced their board size, effective December 17, 2025, to eliminate the vacancy.

What is the RBKB form type for this disclosure?

This disclosure was made on a Form 8-K.