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Rhinebeck Bancorp (RBKB) COO awarded 10,487 restricted shares in Form 4

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Rhinebeck Bancorp, Inc. Chief Operating Officer Jamie J. Bloom reported a compensation-related stock grant. Bloom received 10,487 shares of Common Stock at $0.00 per share as a grant or award, bringing direct Common Stock holdings to 10,522 shares after the transaction. A footnote states these are restricted shares that vest in equal installments of 33 1/3% per year starting on May 26, 2027. The filing also shows indirect holdings of 3,999 Common shares through an ESOP, 1,410 Common shares through a 401(k), and stock options on 28,000 underlying Common shares that are fully vested with a $6.57 exercise price and an expiration date of August 25, 2030.

Positive

  • None.

Negative

  • None.
Insider Bloom Jamie J.
Role Chief Operating Officer
Type Security Shares Price Value
Grant/Award Common Stock 10,487 $0.00 --
holding Stock Options -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
Holdings After Transaction: Common Stock — 10,522 shares (Direct, null); Stock Options — 28,000 shares (Direct, null); Common Stock — 1,410 shares (Indirect, By 401(k))
Footnotes (1)
  1. Shares of restricted stock vest at a rate of 33 1/3% per year commencing on May 26, 2027. Reflects transactions not required to be reported pursuant to Section 16 of the Securities Act of 1934, as amended. Stock options are fully vested.
Restricted stock grant 10,487 shares Common Stock grant at $0.00 per share to COO
Direct Common Stock holding 10,522 shares Direct ownership after the 10,487-share grant
ESOP holding 3,999 shares Indirect Common Stock ownership via ESOP
401(k) holding 1,410 shares Indirect Common Stock ownership via 401(k)
Stock options underlying shares 28,000 shares Underlying Common Stock for fully vested options
Option exercise price $6.57 per share Exercise price of fully vested stock options
Option expiration August 25, 2030 Expiration date of the stock options position
Vesting schedule 33 1/3% annually Restricted stock vesting starting May 26, 2027
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
"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
"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
"security_title: Stock Options"
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
"transactions not required to be reported pursuant to Section 16"
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.
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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*
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)
Director10% Owner
XOfficer (give title below)Other (specify below)
Chief Operating 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)
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 Stock05/26/2026A10,487(1)A$010,522D
Common Stock1,410(2)IBy 401(k)
Common Stock3,999(2)IBy 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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Stock Options$6.5708/25/202108/25/2030Common Stock28,000(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 attorney05/28/2026
** 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)

FAQ

What did Rhinebeck Bancorp (RBKB) COO Jamie Bloom report in this Form 4?

COO Jamie Bloom reported receiving a grant of 10,487 shares of Rhinebeck Bancorp Common Stock as compensation. The shares were issued at $0.00 per share and increase Bloom’s directly held Common Stock to 10,522 shares following the award.

Are the new Rhinebeck Bancorp (RBKB) shares granted to Jamie Bloom restricted?

Yes. A footnote states the granted shares are restricted stock that vest in three equal installments. Vesting occurs at a rate of 33 1/3% per year, beginning on May 26, 2027, which spreads full ownership over several years.

How many Rhinebeck Bancorp (RBKB) shares does Jamie Bloom hold indirectly?

The filing shows 3,999 Common Stock shares held indirectly through an ESOP and 1,410 Common Stock shares held indirectly through a 401(k). These plan-related positions are reported as indirect ownership interests for Section 16 disclosure purposes.

What stock options on Rhinebeck Bancorp (RBKB) does Jamie Bloom have outstanding?

Bloom holds fully vested stock options tied to 28,000 underlying shares of Common Stock. These options have an exercise price of $6.57 per share and an expiration date of August 25, 2030, reflecting a long-dated equity incentive position.

Did Jamie Bloom buy or sell Rhinebeck Bancorp (RBKB) shares on the open market?

No open-market buys or sells are reported. The main reportable event is a grant of 10,487 shares at $0.00, characterized as a grant, award, or other acquisition rather than a purchase or sale transaction in the market.

What transactions are noted as not required under Section 16 for Rhinebeck Bancorp (RBKB)?

One footnote explains that certain items reflect transactions not required to be reported under Section 16 of the Securities Exchange Act of 1934. They are nevertheless included in the disclosure to present a more complete picture of Bloom’s holdings.