Rhinebeck Bancorp CFO reports tax share withholding

Rhinebeck Bancorp, Inc. officer Kevin M. Nihill, CFO and Treasurer, reported a Form 4 transaction involving Common Stock.

Rhea-AI Filing Summary

Rhinebeck Bancorp, Inc. officer Kevin M. Nihill, CFO and Treasurer, reported a Form 4 transaction involving Common Stock. On July 9, 2026, he had a tax-withholding disposition of 1,468 shares at $17.08 per share, characterized as payment of tax liability by delivering securities rather than an open-market sale. Following this event, he directly holds 23,696 shares, which include restricted stock that vests in equal annual installments of 33 1/3% beginning on July 9, 2025 and May 26, 2027.

Insider Trade Summary

Exercise Price or Tax Liability: 1,468 shares

Exercise Price or Tax Liability 1 txn

Insider Nihill Kevin M

Role CFO and Treasurer

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Common Stock F1, F2	1,468	$17.08	$25K

Holdings After Transaction: Common Stock — 23,696 shares (Direct)

Footnotes (2)

1. F1. Includes shares of restricted stock which vest at a rate of 33 1/3% per year commencing on May 26, 2027.
2. F2. Includes shares of restricted stock which vest at a rate of 33 1/3% per year commencing on July 9, 2025.

Key Figures

Shares disposed for tax withholding: 1,468 shares Disposition price per share: $17.08 Shares held after transaction: 23,696 shares +1 more

4 metrics

Shares disposed for tax withholding 1,468 shares Tax-withholding disposition of Common Stock on July 9, 2026

Disposition price per share $17.08 Price per share for 1,468-share tax-withholding disposition

Shares held after transaction 23,696 shares Direct Common Stock holdings following the tax-withholding disposition

Restricted stock vesting rate 33 1/3% per year Vesting rate for restricted stock awards commencing July 9, 2025 and May 26, 2027

Key Terms

tax-withholding disposition, restricted stock, vest

3 terms

tax-withholding disposition financial

"reported a tax-withholding disposition of 1,468 shares at $17.08 per share"

A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.

restricted stock financial

"Includes shares of restricted stock which 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.

vest financial

"restricted stock which vest at a rate of 33 1/3% per year commencing on July 9, 2025"

A vest is the process by which an employee earns the right to receive certain benefits or ownership interests, such as stock or retirement funds, over time. It’s similar to earning a reward gradually, ensuring that the benefit becomes fully yours only after a set period or meeting specific conditions. This makes it important for investors because it determines when they can actually claim or use those benefits.

FAQ

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

What did RBKB CFO Kevin M. Nihill report in this Form 4?

Kevin M. Nihill, CFO and Treasurer of Rhinebeck Bancorp (RBKB), reported a tax-withholding disposition of 1,468 shares of Common Stock related to tax obligations.

How many RBKB shares were involved and at what price in Nihill’s transaction?

The filing shows 1,468 shares of Rhinebeck Bancorp Common Stock were disposed of at $17.08 per share as payment of tax liability by delivering securities.

How many RBKB shares does Kevin M. Nihill hold after this Form 4 transaction?

After the reported tax-withholding disposition, Kevin M. Nihill directly holds 23,696 shares of Rhinebeck Bancorp Common Stock, including certain shares of restricted stock that vest over time.

Is Nihill’s RBKB Form 4 transaction an open-market sale or tax withholding?

The Form 4 characterizes the event as a tax-withholding disposition, meaning shares were delivered to satisfy tax liabilities, not sold in an open-market transaction.

What are the vesting terms of Nihill’s restricted RBKB stock awards?

Footnotes state his holdings include restricted stock that vests at 33 1/3% per year, with vesting commencing on July 9, 2025 and May 26, 2027 for separate awards.

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

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Accepted by SEC EDGAR 07/10/2026 - 04:24 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^*

Nihill Kevin M

(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)
	CFO and Treasurer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
07/09/2026

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	07/09/2026		F		1,468	D	$17.08	23,696(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. Includes shares of restricted stock which vest at a rate of 33 1/3% per year commencing on May 26, 2027.

2. Includes shares of restricted stock which vest at a rate of 33 1/3% per year commencing on July 9, 2025.

	/s/ Scott A. Brown, pursuant to power of attorney	07/10/2026
	** 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)