Rhinebeck Bancorp (RBKB) director awarded 1,624 restricted shares vesting from 2027

Rhea-AI Filing Summary

Rhinebeck Bancorp director Sharon McGinnis reported an acquisition of 1,624 shares of Common Stock through a grant or award with a stated price of $0.00 per share. These are restricted shares that vest in thirds, with 33 1/3% vesting each year starting on May 26, 2027. After this award, McGinnis directly holds 1,624 shares, reflecting a routine compensation-related equity grant rather than an open-market purchase.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider McGinnis Sharon

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 granted: 1,624 shares Grant price: $0.00 per share Post-transaction holdings: 1,624 shares +2 more

5 metrics

Restricted stock granted 1,624 shares Common Stock award reported on May 26, 2026

Grant price $0.00 per share Stated transaction price for the restricted stock

Post-transaction holdings 1,624 shares Direct ownership after the award

Vesting start date May 26, 2027 First vesting date for restricted stock

Annual vesting rate 33 1/3% per year Restricted stock vesting schedule

Key Terms

restricted stock, vest, Form 4

3 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

"The Form 4 shows this as an acquisition at a stated price of $0.00 per share"

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.

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^*

McGinnis Sharon

(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) director Sharon McGinnis report?

Director Sharon McGinnis reported receiving 1,624 shares of Rhinebeck Bancorp Common Stock as a grant or award. The Form 4 shows this as an acquisition at a stated price of $0.00 per share, indicating a compensation-related equity grant rather than a market purchase.

Are the 1,624 shares granted to RBKB director Sharon McGinnis fully vested?

No. The 1,624 shares are restricted stock that vest over time. According to the filing footnote, they vest at a rate of 33 1/3% per year, beginning on May 26, 2027, meaning full vesting occurs gradually across three annual installments.

How many Rhinebeck Bancorp shares does Sharon McGinnis hold after this Form 4 transaction?

Following the reported grant, Sharon McGinnis directly holds 1,624 shares of Rhinebeck Bancorp Common Stock. The Form 4 lists this as her total direct ownership after the transaction, reflecting the newly awarded restricted stock position.

Was cash paid for the 1,624 Rhinebeck Bancorp shares reported by Sharon McGinnis?

The Form 4 shows a transaction price of $0.00 per share for the 1,624 shares. This indicates the shares were received as a grant or award of restricted stock, consistent with equity-based compensation, rather than purchased in an open-market cash transaction.

What does the vesting schedule mean for the RBKB restricted stock grant to Sharon McGinnis?

The vesting schedule means the restricted shares become owned free of restrictions over time. For this grant, 33 1/3% of the 1,624 shares vest each year starting May 26, 2027, aligning the director’s equity compensation with longer-term service at Rhinebeck Bancorp.