Rhinebeck Bancorp (RBKB) director receives 1,624-share restricted stock grant

Rhea-AI Filing Summary

Rhinebeck Bancorp, Inc. director Nancy Koskey Patzwahl reported a compensation-related stock grant. She acquired 1,624 shares of common stock as an award at a stated price of $0.00 per share, bringing her directly held position to 1,624 shares.

The award is in the form of restricted stock that vests over time. According to the disclosure, these shares vest at a rate of 33 1/3% per year, commencing on May 26, 2027, meaning the grant becomes fully vested over three years starting from that date.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Patzwahl Nancy Koskey

Role null

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

Holdings After Transaction: Common Stock — 1,624 shares (Direct, null)

Footnotes (1)

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Key Figures

Restricted stock grant: 1,624 shares Grant price: $0.00 per share Post-transaction holdings: 1,624 shares +1 more

4 metrics

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

Grant price $0.00 per share Compensation-related award, not open-market purchase

Post-transaction holdings 1,624 shares Shares beneficially owned following transaction

Vesting rate 33 1/3% per year Restricted stock vesting schedule starting May 26, 2027

Key Terms

restricted stock, vest, Form 4, Grant, award, or other acquisition

4 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.

vest financial

"Shares of restricted stock vest at a rate of 33 1/3% per year"

A vest is the process by which an employee earns the right to receive certain benefits or ownership interests, such as stock or retirement funds, over time. It’s similar to earning a reward gradually, ensuring that the benefit becomes fully yours only after a set period or meeting specific conditions. This makes it important for investors because it determines when they can actually claim or use those benefits.

Form 4 regulatory

"INSIDER FILING DATA (Form 4):"

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

Grant, award, or other acquisition financial

"transaction_code_description": "Grant, award, or other acquisition""

Form 4 Insider Transactions: What Each Field Means →

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^*

Patzwahl Nancy Koskey

(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	1,624	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. Shares of restricted stock vest at a rate of 33 1/3% per year commencing on May 26, 2027.

	/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)

FAQ

What insider transaction did Rhinebeck Bancorp (RBKB) disclose?

Rhinebeck Bancorp disclosed that director Nancy Koskey Patzwahl received 1,624 shares of common stock as a stock award. The shares were granted at a stated price of $0.00 per share and represent compensation rather than an open-market purchase or sale.

How many Rhinebeck Bancorp (RBKB) shares were granted to the director?

The director received a grant of 1,624 shares of Rhinebeck Bancorp common stock. This award increased her directly held position to 1,624 shares following the transaction, according to the reported post-transaction ownership figure in the Form 4 filing.

Is the Rhinebeck Bancorp (RBKB) director’s stock grant an open-market purchase?

No, the transaction is described as a grant or award acquisition, not an open-market purchase. The filing reports a transaction code of “A” and a price of $0.00 per share, indicating compensation-related restricted stock rather than shares bought on the market.

How do the Rhinebeck Bancorp (RBKB) restricted shares vest for the director?

The restricted stock vests in three equal annual installments. The filing states the 1,624 shares vest at a rate of 33 1/3% per year commencing on May 26, 2027, so the award becomes fully vested over three years starting from that date.

What is the director’s ownership after this Rhinebeck Bancorp (RBKB) transaction?

After the grant, the director directly owns 1,624 shares of Rhinebeck Bancorp common stock. The Form 4 specifies this total as the number of shares beneficially owned following the reported transaction, reflecting only this award in the disclosed holdings.