Rhinebeck Bancorp EVP reports holding 12,580 shares

Rhinebeck Bancorp, Inc. executive Michael Vitale, EVP and Head of Commercial Banking, reported direct ownership of 12,580 shares of common stock.

Rhea-AI Filing Summary

Rhinebeck Bancorp, Inc. executive Michael Vitale, EVP and Head of Commercial Banking, reported direct ownership of 12,580 shares of common stock. This amount reflects a 1.3978-to-1 stock exchange ratio from the company’s mutual to stock conversion and includes restricted shares vesting 33 1/3% annually starting April 21, 2027.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Vitale Michael

Role EVP, Head of Comm Banking

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

Holdings After Transaction: Common Stock — 12,580 shares (Direct)

Footnotes (2)

1. F1. Reflects a 1.3978 to 1.00 stock exchange ratio in connection with the Company's mutual to stock conversion.
2. F2. Includes shares of restricted stock which vest at a rate of 33 1/3% per year commencing on April 21, 2027.

Key Figures

Common shares held: 12,580 shares Stock exchange ratio: 1.3978 to 1.00 Restricted stock vesting rate: 33 1/3% per year +1 more

4 metrics

Common shares held 12,580 shares Direct ownership of common stock following reported holding entry

Stock exchange ratio 1.3978 to 1.00 Ratio applied in mutual to stock conversion

Restricted stock vesting rate 33 1/3% per year Vests annually commencing on April 21, 2027

Vesting commencement date April 21, 2027 Start date for restricted stock vesting

Key Terms

mutual to stock conversion, restricted stock, stock exchange ratio

3 terms

mutual to stock conversion financial

"in connection with the Company's mutual to stock conversion."

restricted stock financial

"Includes shares of restricted stock which vest at a rate"

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 exchange ratio financial

"Reflects a 1.3978 to 1.00 stock exchange ratio in connection"

FAQ

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

What insider activity did RBKB report for Michael Vitale?

The filing reports a holding entry, not a buy or sell, showing Michael Vitale’s direct ownership of 12,580 Rhinebeck Bancorp common shares. This figure reflects a 1.3978-to-1 stock exchange ratio from a mutual to stock conversion and includes restricted stock awards.

How many Rhinebeck Bancorp (RBKB) shares does Michael Vitale directly own?

Michael Vitale directly owns 12,580 shares of Rhinebeck Bancorp common stock following the reported holding entry. This total incorporates the company’s 1.3978-to-1 stock exchange ratio and counts restricted stock that vests over time beginning in 2027.

What is the stock exchange ratio mentioned in the RBKB Form 4 for Michael Vitale?

The Form 4 states that Vitale’s reported holdings reflect a 1.3978 to 1.00 stock exchange ratio in connection with Rhinebeck Bancorp’s mutual to stock conversion. This ratio determined how pre-conversion interests translated into post-conversion common shares.

How do Michael Vitale’s restricted RBKB shares vest?

Vitale’s holdings include restricted stock that vests at a rate of 33 1/3% per year, commencing on April 21, 2027. This means the award becomes fully vested over three years starting from that 2027 vesting commencement date.

What is Michael Vitale’s role at Rhinebeck Bancorp (RBKB) noted in the Form 4?

Michael Vitale is identified as EVP, Head of Commercial Banking at Rhinebeck Bancorp, Inc. The Form 4 reports his direct ownership in the company’s common stock, including shares received through the mutual to stock conversion and restricted stock awards.

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

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Accepted by SEC EDGAR 07/21/2026 - 05:42 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^*

Vitale Michael

(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)
	EVP, Head of Comm Banking

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								12,580(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. Reflects a 1.3978 to 1.00 stock exchange ratio in connection with the Company's mutual to stock conversion.

2. Includes shares of restricted stock which vest at a rate of 33 1/3% per year commencing on April 21, 2027.

	/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)