Rhinebeck Bancorp director reports 2,270-share stake

Rhinebeck Bancorp, Inc. director Patzwahl Nancy Koskey reports direct ownership of 2,270 shares of common stock.

Rhea-AI Filing Summary

Rhinebeck Bancorp, Inc. director Patzwahl Nancy Koskey reports direct ownership of 2,270 shares of common stock. This amount reflects a 1.3978-to-1.00 stock exchange ratio used in the company’s mutual to stock conversion, and footnotes describe restricted shares vesting 33 1/3% annually starting May 26, 2027.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Patzwahl Nancy Koskey

Role Director

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

Holdings After Transaction: Common Stock — 2,270 shares (Direct)

Footnotes (2)

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.

Key Figures

Direct common shares: 2,270 shares Stock exchange ratio: 1.3978 to 1.00 Restricted stock vesting rate: 33 1/3% per year +1 more

4 metrics

Direct common shares 2,270 shares Direct ownership of common stock reported for Patzwahl Nancy Koskey

Stock exchange ratio 1.3978 to 1.00 Stock exchange ratio applied in the mutual to stock conversion

Restricted stock vesting rate 33 1/3% per year Restricted stock vests annually starting on May 26, 2027

Vesting commencement date May 26, 2027 Date when restricted stock vesting begins

Key Terms

mutual to stock conversion, stock exchange ratio, restricted stock

3 terms

mutual to stock conversion financial

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

stock exchange ratio financial

"Reflects a 1.3978 to 1.00 stock exchange ratio in connection"

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.

FAQ

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

What insider position did Patzwahl Nancy Koskey report in Rhinebeck Bancorp (RBKB)?

Patzwahl Nancy Koskey, a director of Rhinebeck Bancorp (RBKB), reports direct ownership of 2,270 shares of common stock. This figure reflects an exchange ratio applied in the mutual to stock conversion and is accompanied by footnotes on related restricted stock vesting terms.

How did Rhinebeck Bancorp (RBKB)’s mutual to stock conversion affect this director’s reported holdings?

The reported 2,270 shares for Patzwahl Nancy Koskey reflect a 1.3978-to-1.00 stock exchange ratio tied to the mutual to stock conversion. The filing notes that this ratio was used in determining the post-conversion share amount now shown as directly owned.

What is the vesting schedule for restricted stock noted in this RBKB Form 4?

Footnotes state that shares of restricted stock vest at 33 1/3% per year, commencing on May 26, 2027. This means the restricted portion will vest in three equal annual installments starting on that date, subject to any applicable award terms.

Does this Rhinebeck Bancorp (RBKB) Form 4 show any share purchases or sales by Patzwahl Nancy Koskey?

This Form 4 for RBKB does not report any share purchases or sales by Patzwahl Nancy Koskey. It records a holding entry showing 2,270 common shares following the mutual to stock conversion, with explanatory footnotes on the exchange ratio and restricted stock vesting.

What type of security does the RBKB director hold according to this Form 4?

The Form 4 reports that Patzwahl Nancy Koskey directly holds common stock of Rhinebeck Bancorp, Inc. Footnotes clarify that some of these holdings are in the form of restricted stock, which vests over time under a specified schedule beginning May 26, 2027.

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

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Accepted by SEC EDGAR 07/21/2026 - 05:47 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^*

Patzwahl Nancy Koskey

(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
	Officer (give title below)		Other (specify below)

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								2,270(1)(2)	D

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.

	/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)