Rhinebeck Bancorp CEO reports common stock holdings

Rhinebeck Bancorp, Inc. director and President & CEO Matthew James Smith reported his beneficial ownership of Common Stock.

Rhea-AI Filing Summary

Rhinebeck Bancorp, Inc. director and President & CEO Matthew James Smith reported his beneficial ownership of Common Stock. He holds 23,826 shares directly and 479 shares indirectly through a 401(k) plan, amounts that reflect a 1.3978-to-1.00 stock exchange ratio in connection with the company’s mutual to stock conversion. Footnotes state that shares of restricted stock vest at 33 1/3% per year beginning May 26, 2027, and that the 401(k) position reflects transactions not required to be reported under Section 16.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Smith Matthew James

Role President & CEO

Type	Security	Shares	Price	Value
holding	Common Stock F1, F2	--	--	--
holding	Common Stock F1, F3	--	--	--

Holdings After Transaction: Common Stock — 23,826 shares (Direct); Common Stock — 479 shares (Indirect, By 401(k))

Footnotes (3)

1. F1. Reflects a 1.3978 to 1.00 stock exchange ratio in connection with the Company's mutual to stock conversion.
2. F2. Shares of restricted stock vest at a rate of 33 1/3% per year commencing on May 26, 2027.
3. F3. Reflects transactions not required to be reported pursuant to Section 16 of the Securities Act of 1934, as amended.

Key Figures

Direct common shares: 23,826 shares Indirect 401(k) shares: 479 shares Stock exchange ratio: 1.3978-to-1.00 +2 more

5 metrics

Direct common shares 23,826 shares Direct beneficial ownership of Rhinebeck Bancorp common stock reported for Matthew James Smith

Indirect 401(k) shares 479 shares Indirect beneficial ownership held by Matthew James Smith through a 401(k) plan

Stock exchange ratio 1.3978-to-1.00 Exchange ratio applied in connection with the company’s mutual to stock conversion

Restricted stock vesting rate 33 1/3% per year Annual vesting rate for restricted stock beginning May 26, 2027

Vesting start date May 26, 2027 Commencement date for restricted stock vesting schedule

Key Terms

mutual to stock conversion, restricted stock, Section 16 of the Securities Act of 1934, 401(k)

4 terms

mutual to stock conversion financial

"stock exchange ratio in connection with the Company's mutual to stock conversion"

restricted stock financial

"Shares of restricted stock vest at a rate of 33 1/3% per year"

Shares granted to an individual that carry limits on transfer or sale until certain conditions are met, such as staying with the company for a set time or hitting performance targets. Think of them as a locked gift that gradually opens; for investors they matter because they affect how many shares may enter the market later, signal management incentives and potential dilution, and reveal confidence in future company performance.

Section 16 of the Securities Act of 1934 regulatory

"transactions not required to be reported pursuant to Section 16 of the Securities Act of 1934"

401(k) financial

"479 shares indirectly through a 401(k) plan"

A 401(k) is a type of retirement savings plan offered by employers that allows workers to set aside a portion of their paycheck before taxes are taken out. The money saved in a 401(k) can grow over time through investments, helping individuals build funds for their future retirement. It matters to investors because it provides a tax-advantaged way to save and invest for long-term financial security.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider ownership did Rhinebeck Bancorp (RBKB) report for Matthew James Smith?

Matthew James Smith reported beneficial ownership of 23,826 Rhinebeck Bancorp common shares directly and 479 shares indirectly through a 401(k) plan. These reported positions reflect a 1.3978-to-1.00 stock exchange ratio tied to the company’s mutual to stock conversion.

Did Rhinebeck Bancorp (RBKB) disclose any insider share purchases or sales in this Form 4?

The filing reports holdings, not explicit purchases or sales, for Matthew James Smith’s direct and 401(k) positions. Transaction fields show no buy or sell codes, and the summary data indicate a neutral net buy/sell direction with only holding entries reported.

How many Rhinebeck Bancorp (RBKB) shares does the CEO hold directly versus indirectly?

Matthew James Smith holds 23,826 Rhinebeck Bancorp common shares directly and 479 shares indirectly via a 401(k) plan. The indirect 401(k) amount reflects plan transactions that were not required to be reported under Section 16 of the Securities Act of 1934.

What is the stock exchange ratio mentioned in the Rhinebeck Bancorp (RBKB) insider filing?

Footnotes state that the reported holdings reflect a 1.3978-to-1.00 stock exchange ratio. This ratio was applied in connection with Rhinebeck Bancorp’s mutual to stock conversion, affecting how prior interests were converted into currently reported common shares.

What does the restricted stock vesting schedule look like for Rhinebeck Bancorp (RBKB) in this filing?

Footnotes indicate that shares of restricted stock vest at a rate of 33 1/3% per year starting May 26, 2027. This means the restricted shares will vest in three equal annual installments beginning on that date, subject to the plan’s usual conditions.

How are Matthew James Smith’s 401(k) holdings in Rhinebeck Bancorp (RBKB) described?

The filing lists 479 Rhinebeck Bancorp shares held indirectly “By 401(k).” A footnote clarifies that this amount reflects transactions in the 401(k) that were not required to be separately reported under Section 16, but are included in the reported holdings.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 07/21/2026 - 05:41 PM EDT Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Smith Matthew James

(Last) (First) (Middle)

2 JEFFERSON PLAZA

(Street)

POUGHKEEPSIE NEW YORK 12601

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
Rhinebeck Bancorp, Inc. [ RBKB ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	President & CEO

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
07/21/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock								23,826(1)(2)	D
Common Stock								479(1)(3)	I	By 401(k)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Reflects a 1.3978 to 1.00 stock exchange ratio in connection with the Company's mutual to stock conversion.

2. Shares of restricted stock vest at a rate of 33 1/3% per year commencing on May 26, 2027.

3. Reflects transactions not required to be reported pursuant to Section 16 of the Securities Act of 1934, as amended.

	/s/ Scott A. Brown, pursuant to power of attorney	07/21/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)