Rhinebeck director granted 1,624 RBKB shares

Rhinebeck Bancorp, Inc. director Steven E. Howell reported a compensation-related stock award rather than an open-market trade.

Rhea-AI Filing Summary

Rhinebeck Bancorp, Inc. director Steven E. Howell reported a compensation-related stock award rather than an open-market trade. He received 1,624 shares of common stock at no cost, increasing his directly held common stock to 6,624 shares. These shares are restricted and will vest in three equal annual installments beginning on May 26, 2027. Howell also reports indirect ownership of 5,000 common shares through a 401(k) plan and holds fully vested stock options covering 16,365 shares of common stock at an exercise price of $6.57 per share, expiring in 2030.

Insider Trade Summary

Grant/Award: 1,624 shares

Grant/Award 3 txns

Insider Howell Steven E

Role Director

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

Holdings After Transaction: Common Stock — 6,624 shares (Direct); Stock Options — 16,365 contracts (Direct); Common Stock — 5,000 shares (Indirect, By 401(k))

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 stock after grant: 6,624 shares Indirect 401(k) holdings: 5,000 shares +4 more

7 metrics

Restricted stock grant 1,624 shares Common Stock award, transaction code A

Direct common stock after grant 6,624 shares Direct ownership following transaction

Indirect 401(k) holdings 5,000 shares Common Stock held indirectly by 401(k)

Stock options underlying shares 16,365 shares Underlying common stock for options

Option exercise price $6.57 per share Stock Options on Common Stock

Option expiration August 25, 2030 Expiration date of stock options

Vesting schedule start May 26, 2027 Restricted stock vests 33 1/3% annually

Key Terms

restricted stock, Stock Options, exercise price, indirect ownership, +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 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.

exercise price financial

"conversion_or_exercise_price": "6.5700""

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.

indirect ownership financial

"direct_or_indirect": "I", "nature_of_ownership": "By 401(k)""

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 Steven E. Howell report at Rhinebeck Bancorp (RBKB)?

Director Steven E. Howell reported receiving 1,624 shares of Rhinebeck Bancorp common stock as a grant at no cost. The award is compensation-related rather than an open-market purchase, and increases his directly held common stock position reported in this Form 4 filing.

How many Rhinebeck Bancorp (RBKB) shares does Steven E. Howell hold after this Form 4?

After the reported grant, Howell directly holds 6,624 shares of Rhinebeck Bancorp common stock. He also indirectly holds 5,000 additional common shares through a 401(k) plan, as disclosed in the filing’s ownership table and associated transaction records.

How do the granted restricted shares to Steven E. Howell vest at Rhinebeck Bancorp (RBKB)?

The 1,624 granted shares are restricted stock that vest in stages over time. According to the footnote, they vest at a rate of 33 1/3% per year, beginning on May 26, 2027, resulting in three equal annual vesting installments.

What stock options does Steven E. Howell report holding in Rhinebeck Bancorp (RBKB)?

Howell reports fully vested stock options linked to 16,365 Rhinebeck Bancorp common shares. These options carry an exercise price of $6.57 per share and have an expiration date of August 25, 2030, as detailed in the derivative holdings section.

Are Steven E. Howell’s reported Rhinebeck Bancorp (RBKB) transactions open-market buys or sells?

The filing shows no open-market purchases or sales. Instead, Howell reports a grant of 1,624 restricted shares at no cost and existing holdings, including indirect 401(k) shares and fully vested stock options, without any buy or sell codes.

What indirect holdings in Rhinebeck Bancorp (RBKB) does Steven E. Howell disclose?

Howell discloses indirect ownership of 5,000 shares of Rhinebeck Bancorp common stock. These shares are held through a 401(k) plan, as indicated by the indirect ownership code and the “By 401(k)” nature-of-ownership description in the Form 4 data.

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

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Accepted by SEC EDGAR 05/28/2026 - 02:33 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^*

Howell Steven E

(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	6,624	D
Common Stock								5,000	I	By 401(k)

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)