Rhinebeck Bancorp director reports stock and option holdings

Rhinebeck Bancorp, Inc. director Suzanne Loughlin reports direct ownership of 34,328 shares of Common Stock and fully vested stock options covering 22,875 shares at an exercise price of $4.7000 per share, expiring on August 25, 2030.

Rhea-AI Filing Summary

Rhinebeck Bancorp, Inc. director Suzanne Loughlin reports direct ownership of 34,328 shares of Common Stock and fully vested stock options covering 22,875 shares at an exercise price of $4.7000 per share, expiring on August 25, 2030. These amounts reflect a 1.3978-to-1.00 stock exchange ratio from the company's mutual to stock conversion, and certain restricted shares vest 33 1/3% per year beginning May 26, 2027.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Loughlin Suzanne

Role Director

Type	Security	Shares	Price	Value
holding	Stock Options F3, F1, F4	--	--	--
holding	Common Stock F1, F2	--	--	--

Holdings After Transaction: Stock Options — 22,875 contracts (Direct); Common Stock — 34,328 shares (Direct)

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

Common Stock holdings: 34,328 shares Stock options underlying shares: 22,875 shares Option exercise price: $4.7000 per share +3 more

6 metrics

Common Stock holdings 34,328 shares Directly held Common Stock after the reported holdings entry dated July 21, 2026

Stock options underlying shares 22,875 shares Underlying Common Stock for the director’s fully vested stock options held directly

Option exercise price $4.7000 per share Exercise price for the stock options expiring on August 25, 2030

Option expiration date August 25, 2030 Expiration date of the director’s stock options on Common Stock

Exchange ratio 1.3978 to 1.00 Stock exchange ratio from the mutual to stock conversion affecting holdings and option terms

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

Key Terms

mutual to stock conversion, restricted stock, exercise price, Stock options

4 terms

mutual to stock conversion financial

"Reflects a 1.3978 to 1.00 stock exchange ratio in connection with the Company's mutual"

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.

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.

FAQ

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

What equity holdings did Suzanne Loughlin report in Rhinebeck Bancorp (RBKB)?

Suzanne Loughlin reported 34,328 shares of Rhinebeck Bancorp Common Stock held directly, plus fully vested stock options covering 22,875 underlying shares. These positions are shown as of July 21, 2026, after adjustments for the company's mutual to stock conversion.

What stock options does Suzanne Loughlin hold in Rhinebeck Bancorp (RBKB)?

She holds fully vested stock options on 22,875 shares of Common Stock with an exercise price of $4.7000 per share, expiring on August 25, 2030. The exercise price has been adjusted for the 1.3978-to-1.00 stock exchange ratio.

How do Suzanne Loughlin's restricted Rhinebeck Bancorp (RBKB) shares vest?

Shares of restricted stock vest 33 1/3% per year, commencing on May 26, 2027. This schedule means the restricted portion of her equity grant will vest in three equal annual installments starting on that date, subject to the grant terms.

What exchange ratio affected Suzanne Loughlin's RBKB holdings?

Her reported holdings reflect a 1.3978 to 1.00 stock exchange ratio tied to Rhinebeck Bancorp's mutual to stock conversion. Both her common stock amounts and the exercise price of her options have been adjusted using this exchange ratio.

Does Suzanne Loughlin's RBKB insider report show share purchases or sales?

The report lists holding entries only, with no shares categorized as acquired or disposed. Transaction details show no buy or sell share amounts, and the summary indicates zero reported purchases or sales for the reported date.

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

Form 4 Insider Transactions: What Each Field Means →

See more from StockTitan in Google Search and AI answers. Adds StockTitan as a preferred source · opens Google

Add on Google Not now

Accepted by SEC EDGAR 07/21/2026 - 05:43 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^*

Loughlin Suzanne

(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)

X	Director		10% 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)

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								34,328(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
Stock Options	$4.7(3)							08/25/2021	08/25/2030	Common Stock	22,875(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. 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)