Rhinebeck Bancorp director gets 1,624 shares

Rhinebeck Bancorp director Freddimir Garcia reported a stock-based compensation grant.

Rhea-AI Filing Summary

Rhinebeck Bancorp director Freddimir Garcia reported a stock-based compensation grant. He received 1,624 shares of restricted Common Stock at no cash cost, increasing his direct common share holdings to 4,798.

The restricted shares vest in three equal installments of 33 1/3% per year starting on May 26, 2027. Garcia also holds fully vested stock options covering 16,365 shares of Common Stock with an exercise price of $6.57 per share, expiring on August 25, 2030.

Insider Trade Summary

Grant/Award: 1,624 shares

Grant/Award 2 txns

Insider Garcia Freddimir

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	1,624	$0.00	$0.00
holding	Stock Options	--	--	--

Holdings After Transaction: Common Stock — 4,798 shares (Direct); Stock Options — 16,365 contracts (Direct)

Footnotes (2)

1. F1. Shares of restricted stock vest at a rate of 33 1/3% per year commencing on May 26, 2027.
2. F2. Stock options are fully vested.

Key Figures

Restricted stock grant: 1,624 shares Direct common holdings after grant: 4,798 shares Option exercise price: $6.57 per share +3 more

6 metrics

Restricted stock grant 1,624 shares Common Stock award to director on May 26, 2026

Direct common holdings after grant 4,798 shares Total direct Common Stock owned by Garcia after transaction

Option exercise price $6.57 per share Stock options on Common Stock held by Garcia

Underlying shares for options 16,365 shares Common Stock covered by fully vested stock options

Option expiration date August 25, 2030 Expiration of stock options on Common Stock

Restricted stock vesting start May 26, 2027 First vesting date; 33 1/3% annually thereafter

Key Terms

restricted stock, Stock Options, exercise price, fully vested, +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.

Stock Options financial

"Stock Options on Common Stock with an exercise price of $6.57"

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.

exercise price financial

"exercise price of 6.5700 with expiration date 2030-08-25"

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.

fully vested financial

"Stock options are fully vested."

Grant, award, or other acquisition financial

"transaction_code_description: Grant, award, or other acquisition"

FAQ

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

What insider transaction did Freddimir Garcia report for RBKB?

Freddimir Garcia reported receiving 1,624 shares of restricted Common Stock in Rhinebeck Bancorp as a grant. This is a stock-based compensation award, not an open-market purchase, and it increased his direct common share holdings to 4,798.

How many Rhinebeck Bancorp shares does Freddimir Garcia now hold directly?

After the reported grant, Freddimir Garcia directly holds 4,798 shares of Rhinebeck Bancorp common stock. This figure includes the newly awarded 1,624 restricted shares, which will vest over time according to the disclosed schedule.

What is the vesting schedule for Garcia’s 1,624 restricted RBKB shares?

The 1,624 restricted Rhinebeck Bancorp shares vest in three equal annual installments. Specifically, they vest at a rate of 33 1/3% per year, beginning on May 26, 2027, until all shares are fully vested.

Does the RBKB Form 4 show any open-market buying or selling by Garcia?

The Form 4 shows a grant of 1,624 restricted shares to Freddimir Garcia at a price of $0.00 per share. This is a grant or award acquisition, not an open-market buy or sell transaction in Rhinebeck Bancorp stock.

What stock options does Freddimir Garcia hold in Rhinebeck Bancorp?

Garcia holds fully vested stock options linked to 16,365 Rhinebeck Bancorp common shares. These options carry an exercise price of $6.57 per share and are scheduled to expire on August 25, 2030, if not exercised earlier.

Are Garcia’s Rhinebeck Bancorp stock options vested according to the filing?

Yes. A footnote states that the reported Rhinebeck Bancorp stock options are fully vested. This means Garcia can exercise the options for 16,365 underlying common shares at the stated $6.57 per share exercise price until their 2030 expiration.

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

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Accepted by SEC EDGAR 05/28/2026 - 02:22 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^*

Garcia Freddimir

(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)
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		1,624(1)	A	$0	4,798	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	$6.57							08/25/2021	08/25/2030	Common Stock	16,365(2)		16,365(2)	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. 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)