Rhinebeck Bancorp COO awarded 1000 stock shares

Rhinebeck Bancorp, Inc. reports that Chief Operating Officer Jamie J. Bloom received a grant of 1000.0000 shares of Common Stock at $10.0000 per share into a 401(k), increasing that indirect holding to 2970.0000 shares.

Rhea-AI Filing Summary

Rhinebeck Bancorp, Inc. reports that Chief Operating Officer Jamie J. Bloom received a grant of 1000.0000 shares of Common Stock at $10.0000 per share into a 401(k), increasing that indirect holding to 2970.0000 shares. Bloom now holds 14707.0000 direct shares, indirect ESOP holdings of 5589.0000 shares, and fully vested stock options on 39138.0000 underlying shares at a $4.7000 exercise price, which reflects a 1.3978-to-1.00 exchange ratio from the mutual-to-stock conversion. Restricted stock is scheduled to vest 33 1/3% per year starting May 26, 2027.

Insider Trade Summary

Grant/Award: 1,000 shares

Grant/Award 4 txns

Insider Bloom Jamie J.

Role Chief Operating Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock F1	1,000	$10.00	$10K
holding	Stock Options F3, F1, F4	--	--	--
holding	Common Stock F1, F2	--	--	--
holding	Common Stock F1	--	--	--

Holdings After Transaction: Common Stock — 2,970 shares (Indirect, By 401(k)); Stock Options — 39,138 contracts (Direct); Common Stock — 14,707 shares (Direct); Common Stock — 5,589 shares (Indirect, By ESOP)

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. Shares of restricted stock 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.

Key Figures

COO stock grant: 1000.0000 shares of Common Stock Grant price: $10.0000 per share 401(k) holdings after grant: 2970.0000 shares +5 more

8 metrics

COO stock grant 1000.0000 shares of Common Stock Grant into 401(k) on 2026-07-21

Grant price $10.0000 per share Value reported for 1000.0000-share 401(k) award

401(k) holdings after grant 2970.0000 shares Indirect Common Stock held by 401(k) after 2026-07-21 grant

Direct Common Stock holdings 14707.0000 shares Directly held Common Stock as of 2026-07-21

Stock option underlying shares 39138.0000 shares Underlying Common Stock for fully vested options expiring 2030-08-25

Stock option exercise price $4.7000 per share Exercise price adjusted for mutual-to-stock conversion exchange ratio

Exchange ratio 1.3978 to 1.00 Stock exchange ratio in mutual-to-stock conversion

Restricted stock vesting rate 33 1/3% per year Vesting commencing on May 26, 2027

Key Terms

mutual to stock conversion, exchange ratio, restricted stock, ESOP, +1 more

5 terms

mutual to stock conversion financial

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

exchange ratio financial

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

The exchange ratio is the number used to decide how many shares of one company you get for each share you own in another company during a merger or acquisition. It’s like a recipe that tells you how to swap shares fairly, ensuring both companies’ values are balanced. This ratio matters because it determines how ownership divides between the companies' shareholders.

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.

ESOP financial

"Common Stock held indirectly, nature of ownership: By ESOP"

An Employee Stock Ownership Plan (ESOP) is a program that gives employees ownership shares in their company, often as part of their benefits package. It acts like a company-sponsored savings plan, allowing workers to have a stake in the company's success, which can boost motivation and loyalty. For investors, ESOPs can influence company decisions and stock value, making them an important aspect of corporate ownership and governance.

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.

FAQ

What insider transaction did RBKB COO Jamie J. Bloom report?

Jamie J. Bloom reported receiving a grant of 1000.0000 Common Stock shares at $10.0000 per share into a 401(k). This award increased the indirect 401(k) holding to 2970.0000 shares, as disclosed in the Form 4 filing for Rhinebeck Bancorp, Inc. (RBKB).

How many Rhinebeck Bancorp (RBKB) shares does Jamie J. Bloom now hold?

After the reported grant, Bloom holds 2970.0000 shares indirectly via a 401(k), 14707.0000 shares directly, and 5589.0000 shares indirectly through an ESOP. These positions reflect updated ownership levels of Rhinebeck Bancorp, Inc. common stock as of July 21, 2026.

What stock option position did RBKB COO Jamie J. Bloom disclose?

Bloom reported fully vested stock options with an exercise price of $4.7000, covering 39138.0000 underlying Common Stock shares and expiring on August 25, 2030. The exercise price has been adjusted for the company’s mutual-to-stock conversion exchange ratio.

How does the mutual-to-stock conversion affect RBKB insider holdings?

A 1.3978 to 1.00 stock exchange ratio applied in Rhinebeck Bancorp’s mutual-to-stock conversion. This ratio adjusted both reported share counts and the $4.7000 option exercise price, influencing how Jamie J. Bloom’s equity awards and option terms are presented in the ownership tables.

What is the vesting schedule for Jamie J. Bloom’s restricted RBKB stock?

Bloom’s restricted shares vest at 33 1/3% per year, starting on May 26, 2027. This means the award vests in three equal annual installments, gradually increasing his directly held Rhinebeck Bancorp, Inc. common stock over that multi-year period.

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Available on EDGAR 07/21/2026 - 05:35 PM Accepted by SEC EDGAR 07/21/2026 - 05:35 PM 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^*

Bloom Jamie J.

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Operating Officer

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	07/21/2026		A		1,000	A	$10	2,970(1)	I	By 401(k)
Common Stock								14,707(1)(2)	D
Common Stock								5,589(1)	I	By ESOP

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
Stock Options	$4.7(3)							08/25/2021	08/25/2030	Common Stock	39,138(1)(4)		39,138(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. Shares of restricted stock 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 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)