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Rhinebeck Bancorp (NASDAQ: RBKB) director gets 10,000-share stock award

(Moderate)
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Rhinebeck Bancorp director Christopher W. Chestney received a grant of 10,000 shares of Common Stock on July 21, 2026 at a reported $10.00 per share. After this award, he directly holds 40,940 common shares, including restricted stock that vests 33 1/3% per year beginning May 26, 2027. He also has fully vested stock options covering 22,875 shares at a $4.70 exercise price expiring August 25, 2030, plus indirect holdings of 1,397 common shares reported as held by his spouse, 1,397 by his son, and 1,397 by his daughter.

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Insider Chestney Christopher W.
Role Director
Type Security Shares Price Value
Grant/Award Common Stock F1, F2 10,000 $10.00 $100K
holding Stock Options F3, F1, F4 -- -- --
holding Common Stock F1 -- -- --
holding Common Stock F1 -- -- --
holding Common Stock F1 -- -- --
Holdings After Transaction: Common Stock — 40,940 shares (Direct); Stock Options — 22,875 shares (Direct); Common Stock — 1,397 shares (Indirect, By Spouse); Common Stock — 1,397 shares (Indirect, By Son); Common Stock — 1,397 shares (Indirect, By Daughter)
Footnotes (4)
  1. F1. Reflects a 1.3978 to 1.00 stock exchange ratio in connection with the Company's mutual to stock conversion.
  2. F2. Includes shares of restricted stock which vest at a rate of 33 1/3% per year commencing on May 26, 2027.
  3. F3. Exercise price has been adjusted for the 1.3978 to 1.00 exchange ratio in connection with the Company's mutual to stock conversion.
  4. F4. Stock options are fully vested.
Stock grant 10,000 shares of Common Stock Grant, award, or other acquisition to director Christopher W. Chestney on 2026-07-21 at $10.00 per share
Direct common holdings 40,940 shares Common Stock directly owned by Christopher W. Chestney following the 10,000-share award, including restricted stock
Stock option underlying shares 22,875 shares Underlying Common Stock for fully vested options with a $4.70 exercise price expiring 2030-08-25
Option exercise price $4.70 per share Exercise price for stock options, adjusted for the 1.3978 to 1.00 exchange ratio
Indirect family holdings per relative 1,397 shares Common Stock indirectly held by spouse, and separately by son and daughter, as of 2026-07-21
Stock exchange ratio 1.3978 to 1.00 Exchange ratio applied in Rhinebeck Bancorp’s mutual to stock conversion affecting reported holdings
mutual to stock conversion financial
"in connection with the Company's mutual to stock conversion."
restricted stock financial
"Includes shares of restricted stock which vest at a rate"
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.
exercise price financial
"Exercise price has been adjusted for the 1.3978 to 1.00 exchange ratio"
The exercise price is the fixed amount at which you can buy or sell an asset, like a stock, when using an options contract. It matters because it helps determine whether exercising the option will be profitable or not, depending on the current market price. Think of it as the set price you agree on today to buy or sell later.
stock options financial
"Stock options are fully vested."
Stock options are agreements that give a person the right to buy or sell a company's stock at a specific price within a certain time frame. They are often used as a reward or incentive, similar to a coupon that can be used later if the stock price rises, allowing the holder to make a profit.

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

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FAQ

What stock grant did Rhinebeck Bancorp (RBKB) director Christopher W. Chestney receive?

Christopher W. Chestney received a grant of 10,000 shares of Rhinebeck Bancorp Common Stock on July 21, 2026 at a reported $10.00 per share. This award increases his overall equity exposure to the bank alongside existing direct, option, and family holdings.

How many Rhinebeck Bancorp (RBKB) shares does Christopher W. Chestney directly own after this transaction?

Following the grant, Christopher W. Chestney directly owns 40,940 shares of Rhinebeck Bancorp Common Stock. This figure includes restricted stock that is scheduled to vest at a rate of 33 1/3% per year starting on May 26, 2027, subject to continued conditions.

What Rhinebeck Bancorp (RBKB) stock options does Christopher W. Chestney hold?

Christopher W. Chestney holds fully vested stock options on 22,875 shares of Rhinebeck Bancorp Common Stock. These options have an exercise price of $4.70 per share, adjusted for the 1.3978-to-1.00 exchange ratio, and they expire on August 25, 2030.

What indirect Rhinebeck Bancorp (RBKB) shareholdings are reported for Christopher W. Chestney’s family?

Indirect ownership includes 1,397 Rhinebeck Bancorp shares reported as held by Chestney’s spouse, 1,397 shares by his son, and 1,397 shares by his daughter. These positions are disclosed as indirect holdings, separate from his direct and option positions.

How does the mutual to stock conversion affect Christopher W. Chestney’s Rhinebeck Bancorp (RBKB) holdings?

Reported share amounts and the $4.70 option exercise price reflect a 1.3978 to 1.00 stock exchange ratio tied to Rhinebeck Bancorp’s mutual to stock conversion. This adjustment standardizes legacy positions into the current common stock structure used for ongoing ownership reporting.
SEC Form 4
FORM 4UNITED 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*
Chestney Christopher W.

(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)
XDirector10% 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)
XForm 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)
CodeVAmount(A) or (D)Price
Common Stock07/21/2026A10,000A$1040,940(1)(2)D
Common Stock1,397(1)IBy Spouse
Common Stock1,397(1)IBy Son
Common Stock1,397(1)IBy Daughter
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Stock Options$4.7(3)08/25/202108/25/2030Common Stock22,875(1)(4)22,875(1)(4)D
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. Includes shares of restricted stock which vest at a rate of 33 1/3% per year commencing on May 26, 2027.
3. Exercise price has been adjusted for the 1.3978 to 1.00 exchange ratio in connection with the Company's mutual to stock conversion.
4. Stock options are fully vested.
/s/ Scott A. Brown, pursuant to power of attorney07/21/2026
** Signature of Reporting PersonDate
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)