Rhinebeck CRO granted 8,182 restricted shares

Rhinebeck Bancorp, Inc. Chief Credit & Risk Officer James T. McCardle III received a grant of 8,182 shares of Common Stock at no cost as a stock award, increasing his direct holdings to 11,762 shares.

Rhea-AI Filing Summary

Rhinebeck Bancorp, Inc. Chief Credit & Risk Officer James T. McCardle III received a grant of 8,182 shares of Common Stock at no cost as a stock award, increasing his direct holdings to 11,762 shares. A footnote states these restricted shares vest at a rate of 33 1/3% per year commencing on May 26, 2027. The filing also reports indirect holdings of 3,705 shares through an ESOP and 9,858 shares through a 401(k), and shows fully vested stock options covering 28,000 shares of Common Stock at an exercise price of $6.57 per share expiring August 25, 2030.

Insider Trade Summary

Grant/Award: 8,182 shares

Grant/Award 4 txns

Insider McCardle James T. III

Role Chief Credit & Risk Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	8,182	$0.00	$0.00
holding	Stock Options	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 11,762 shares (Direct); Stock Options — 28,000 contracts (Direct); Common Stock — 9,858 shares (Indirect, By 401(k)); Common Stock — 3,705 shares (Indirect, By ESOP)

Footnotes (3)

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.
3. F3. Stock options are fully vested.

Key Figures

Restricted stock grant: 8,182 shares Direct holdings after grant: 11,762 shares ESOP indirect holdings: 3,705 shares +5 more

8 metrics

Restricted stock grant 8,182 shares Grant of Common Stock at $0.00 per share

Direct holdings after grant 11,762 shares Common Stock directly owned following award

ESOP indirect holdings 3,705 shares Common Stock held indirectly by ESOP

401(k) indirect holdings 9,858 shares Common Stock held indirectly by 401(k)

Stock options underlying shares 28,000 shares Common Stock underlying fully vested options

Option exercise price $6.57 per share Stock options on Common Stock

Option expiration date August 25, 2030 Stock options on Common Stock

Restricted stock vesting start May 26, 2027 Restricted shares vest 33 1/3% per year

Key Terms

restricted stock, ESOP, 401(k), stock options, +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.

ESOP financial

"total_shares_following_transaction: 3705.0000, 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.

401(k) financial

"total_shares_following_transaction: 9858.0000, 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.

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.

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.

FAQ

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

What did RBKB executive James T. McCardle III report in this Form 4?

James T. McCardle III reported receiving a grant of 8,182 shares of Rhinebeck Bancorp Common Stock, increasing his direct holdings to 11,762 shares, along with updated indirect holdings and existing fully vested stock options.

How many RBKB shares did the CRO acquire in this filing?

The Chief Credit & Risk Officer acquired 8,182 shares of Rhinebeck Bancorp Common Stock as a stock award at a price of $0.00 per share, reflected as a grant or other acquisition transaction.

When do the restricted RBKB shares granted to the CRO start vesting?

The restricted shares begin vesting on May 26, 2027. According to the filing footnote, they vest at a rate of 33 1/3% per year, meaning the award vests in three equal annual installments starting on that date.

What are James T. McCardle III’s total direct RBKB share holdings after the grant?

After the 8,182-share grant, his direct holdings total 11,762 shares of Rhinebeck Bancorp Common Stock. This figure excludes indirect holdings through an ESOP and a 401(k) plan, which are reported separately in the filing.

What indirect RBKB holdings does the CRO report in the ESOP and 401(k)?

The filing reports 3,705 Rhinebeck Bancorp shares held indirectly through an ESOP and 9,858 shares held indirectly through a 401(k) plan. These positions are classified as indirect ownership interests separate from his directly held shares.

What stock options related to RBKB does the CRO hold according to this Form 4?

He holds fully vested stock options covering 28,000 shares of Rhinebeck Bancorp Common Stock with an exercise price of $6.57 per share, expiring on August 25, 2030, as disclosed in both the transaction data and a supporting footnote.

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

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Accepted by SEC EDGAR 05/28/2026 - 02:33 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^*

McCardle James T. III

(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 Credit & Risk Officer

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		8,182(1)	A	$0	11,762	D
Common Stock								9,858(2)	I	By 401(k)
Common Stock								3,705(2)	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	$6.57							08/25/2021	08/25/2030	Common Stock	28,000(3)		28,000(3)	D

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.

3. Stock options are fully vested.

	/s/ Elizabeth A. 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)