RBKB CEO granted 17,046 restricted shares

Rhinebeck Bancorp, Inc. President & CEO Matthew James Smith reported an equity compensation grant and updated holdings.

Rhea-AI Filing Summary

Rhinebeck Bancorp, Inc. President & CEO Matthew James Smith reported an equity compensation grant and updated holdings. He received 17,046 shares of common stock as a restricted stock award at $0.0000 per share, held directly after the grant. According to the filing, these restricted shares vest at a rate of 33 1/3% per year starting on May 26, 2027, meaning the award will vest in three equal annual installments. The filing also shows 245 common shares held indirectly through a 401(k) plan. There were no open-market purchases or sales; the main activity is a compensation-related acquisition.

Insider Trade Summary

Grant/Award: 17,046 shares

Grant/Award 2 txns

Insider Smith Matthew James

Role President & CEO

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	17,046	$0.00	$0.00
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 17,046 shares (Direct); Common Stock — 245 shares (Indirect, By 401(k))

Footnotes (2)

1. F1. Shares of restricted stock vest at a rate of 33 1/3% per year commencing on May 26, 2027.
2. F2. Reflects transactions not required to be reported pursuant to Section 16 of the Securities Act of 1934, as amended.

Key Figures

Restricted stock grant: 17,046 shares Grant price: $0.0000 per share Vesting rate: 33 1/3% per year +2 more

5 metrics

Restricted stock grant 17,046 shares Common Stock grant to CEO, transaction code A

Grant price $0.0000 per share Reported price for restricted stock award

Vesting rate 33 1/3% per year Vesting of restricted shares starting May 26, 2027

Indirect 401(k) holdings 245 shares Common Stock held indirectly by 401(k) after transactions

Direct holdings after grant 17,046 shares Total direct common shares following the award

Key Terms

restricted stock, transaction code A, Section 16, indirect ownership, +1 more

5 terms

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.

transaction code A regulatory

"transaction_code": "A" ... "Grant, award, or other acquisition""

Section 16 regulatory

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

Section 16 is a U.S. securities law rule that governs the trading and disclosure obligations of company insiders — typically officers, directors and large shareholders — to promote transparency and deter unfair profit-taking. It requires insiders to publicly report their stock trades and allows companies or the issuer to reclaim quick, short-term profits from certain insider trades, like a scoreboard and a refund policy that help investors see and limit possible insider advantage.

indirect ownership financial

"direct_or_indirect": "I", "nature_of_ownership": "By 401(k)""

401(k) financial

"nature_of_ownership": "By 401(k)""

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 did RBKB CEO Matthew James Smith report in this Form 4?

Matthew James Smith reported receiving a restricted stock grant of 17,046 RBKB common shares and updated his holdings. The award is compensation-related, not an open-market trade, and is shown at $0.0000 per share in the filing.

How many Rhinebeck Bancorp (RBKB) shares did the CEO acquire in this grant?

The CEO acquired 17,046 shares of RBKB common stock through a restricted stock award. These shares are held directly following the transaction and represent an equity compensation grant rather than a purchase in the open market.

What is the vesting schedule for the RBKB CEO’s 17,046 restricted shares?

The 17,046 restricted shares vest at a rate of 33 1/3% per year, beginning on May 26, 2027. This creates three equal annual vesting installments, tying the CEO’s ownership of these shares to continued service over time.

Did the RBKB CEO buy or sell any shares on the market in this Form 4?

No, the Form 4 shows no open-market buys or sells. The main activity is a grant or award acquisition of 17,046 restricted shares, reported with a transaction code “A,” plus a separate update for 401(k) holdings.

What indirect Rhinebeck Bancorp (RBKB) holdings does the CEO report?

The filing lists 245 RBKB common shares held indirectly “By 401(k)”. A footnote indicates these reflect transactions not required to be reported under Section 16, so they are shown as a holdings update rather than a new market transaction.

How is the CEO’s restricted stock grant characterized in the RBKB Form 4?

The restricted stock grant is characterized as a “grant, award, or other acquisition” with transaction code A. It is part of equity compensation, with a reported price of $0.0000 per share and a clearly defined vesting schedule starting May 26, 2027.

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

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Accepted by SEC EDGAR 05/28/2026 - 02:20 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)
05/26/2026

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	05/26/2026		A		17,046(1)	A	$0	17,046	D
Common Stock								245(2)	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. Shares of restricted stock vest at a rate of 33 1/3% per year commencing on May 26, 2027.

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

	/s/ Elizabeth Cook, pursuant to power of attorney	05/28/2026
	** 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)