Rhinebeck Bancorp director awarded 1,624 restricted shares

Rhinebeck Bancorp, Inc. director Christopher W. Chestney reported an award of 1,624 shares of Common Stock as a grant or other acquisition at $0.00 per share, bringing his directly held common shares to 22,135.

Rhea-AI Filing Summary

Rhinebeck Bancorp, Inc. director Christopher W. Chestney reported an award of 1,624 shares of Common Stock as a grant or other acquisition at $0.00 per share, bringing his directly held common shares to 22,135.

The granted shares are restricted stock that vest at a rate of 33 1/3% per year starting on May 26, 2027. He also holds fully vested stock options covering 16,365 shares of Common Stock at an exercise price of $6.57 per share, expiring on August 25, 2030. In addition, Form 4 reflects indirect holdings of 1,000 shares each held by his daughter, son, and spouse.

Insider Trade Summary

Grant/Award: 1,624 shares

Grant/Award 5 txns

Insider Chestney Christopher W.

Role Director

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

Holdings After Transaction: Common Stock — 22,135 shares (Direct); Stock Options — 16,365 contracts (Direct); Common Stock — 1,000 shares (Indirect, By Spouse); Common Stock — 1,000 shares (Indirect, By Son); Common Stock — 1,000 shares (Indirect, By Daughter)

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 shares after grant: 22,135 shares Vesting rate: 33 1/3% per year +4 more

7 metrics

Restricted stock grant 1,624 shares Grant or award of Common Stock at $0.00 per share

Direct common shares after grant 22,135 shares Total Common Stock directly held following the award

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

Stock options underlying shares 16,365 shares Common Stock underlying fully vested stock options

Option exercise price $6.57 per share Exercise price of stock options expiring August 25, 2030

Option expiration August 25, 2030 Expiration date of fully vested stock options

Indirect family holdings 3,000 shares 1,000 shares each by daughter, son, and spouse

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

"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.

indirect ownership financial

"direct_or_indirect": "I","nature_of_ownership": "By Daughter""

expiration date financial

"expiration_date": "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 insider transaction did Christopher W. Chestney report for RBKB?

Christopher W. Chestney reported receiving an award of 1,624 shares of Rhinebeck Bancorp common stock at no cost. This grant increased his directly held common shares to 22,135, as disclosed in the Form 4 insider filing.

How do the 1,624 RBKB restricted shares vest for Christopher W. Chestney?

The 1,624 restricted shares vest in three equal annual installments of 33 1/3% each. Vesting begins on May 26, 2027, meaning the award becomes fully vested over a three-year period after that start date.

What stock options does Christopher W. Chestney hold in Rhinebeck Bancorp (RBKB)?

He holds fully vested stock options relating to 16,365 shares of Rhinebeck Bancorp common stock. These options have an exercise price of $6.57 per share and expire on August 25, 2030, as shown in the derivative holdings summary.

What are Christopher W. Chestney’s indirect RBKB share holdings?

The filing lists indirect ownership of 1,000 Rhinebeck Bancorp common shares by his daughter, 1,000 by his son, and 1,000 by his spouse. These positions are reported as indirect holdings associated with the director.

Did Christopher W. Chestney buy or sell RBKB shares in the open market?

The disclosed Form 4 shows a grant or award acquisition of 1,624 shares at $0.00 per share, not an open-market purchase or sale. Other entries are holdings records without reported buy or sell transactions.

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

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Accepted by SEC EDGAR 05/28/2026 - 02:21 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^*

Chestney Christopher W.

(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	22,135	D
Common Stock								1,000	I	By Spouse
Common Stock								1,000	I	By Son
Common Stock								1,000	I	By Daughter

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)