Rhinebeck director awarded 1,624 restricted shares

Rhinebeck Bancorp, Inc. director William C. Irwin reported a stock award and his current equity holdings.

Rhea-AI Filing Summary

Rhinebeck Bancorp, Inc. director William C. Irwin reported a stock award and his current equity holdings. He received a grant of 1,624 shares of Common Stock as a compensation award, increasing his direct holdings to 29,287 shares. The granted shares are restricted stock that vest in three equal annual installments of 33 1/3% per year starting on May 26, 2027. Irwin also holds fully vested stock options exercisable for 10,910 shares of Common Stock at 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 Irwin William C.

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 — 29,287 shares (Direct); Stock Options — 10,910 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 Shares held after award: 29,287 shares Stock option underlying shares: 10,910 shares +4 more

7 metrics

Restricted stock grant 1,624 shares Compensation award of Common Stock

Shares held after award 29,287 shares Direct Common Stock holdings after grant

Stock option underlying shares 10,910 shares Underlying Common Stock for options

Option exercise price $6.57/share Exercise price of fully vested options

Option expiration August 25, 2030 Expiration date of stock options

Vesting start date May 26, 2027 Restricted stock begins vesting

Vesting rate 33 1/3% per year Restricted stock vests over three years

Key Terms

restricted stock, Stock Options, grant/award acquisition, exercise price, +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.

grant/award acquisition financial

"transaction_action": "grant/award acquisition""

exercise price financial

"exercisePrice": "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.

expiration date financial

"expirationDate": "2030-08-25T00:00:00.000Z""

The expiration date is the deadline after which a financial contract, such as an option or a futures agreement, is no longer valid or can be exercised. It matters to investors because it determines the timeframe during which they can take action or benefit from the contract, similar to how a coupon or a food item has a limited period of usefulness. Once the expiration date passes, the contract loses its value or ability to be used.

FAQ

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

What did Rhinebeck Bancorp (RBKB) director William C. Irwin report on this Form 4?

William C. Irwin reported receiving a grant of 1,624 shares of Common Stock as a compensation award. The filing also updates his total direct holdings and discloses his existing fully vested stock options position.

How many Rhinebeck Bancorp (RBKB) shares does William C. Irwin now hold directly?

After the reported grant, William C. Irwin directly holds 29,287 shares of Rhinebeck Bancorp Common Stock. This figure reflects his updated ownership following the 1,624-share restricted stock award reported in the Form 4.

What are the vesting terms of William C. Irwin’s new restricted Rhinebeck Bancorp shares?

The 1,624 restricted shares vest at a rate of 33 1/3% per year starting May 26, 2027. This means the award becomes fully vested over three years, aligning compensation with longer-term service at Rhinebeck Bancorp.

What stock options does William C. Irwin hold in Rhinebeck Bancorp (RBKB)?

Irwin holds fully vested stock options with an exercise price of $6.57 per share, linked to 10,910 underlying Common shares. These options expire on August 25, 2030, and are held directly according to the Form 4.

Was William C. Irwin’s Form 4 transaction a market purchase or sale of RBKB shares?

The Form 4 shows a grant of 1,624 shares coded as an award, not an open-market purchase or sale. It represents compensation-related share issuance rather than a discretionary buy or sell in the public market.

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

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Accepted by SEC EDGAR 05/28/2026 - 02:17 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^*

Irwin William C.

(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	29,287	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	10,910(2)		10,910(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 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)