STOCK TITAN

Rhinebeck Bancorp (RBKB) director details 22875 options and stock holdings

(Neutral)
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Rhinebeck Bancorp, Inc. director Steven E. Howell reported his current equity positions. He holds 22875 stock options on common stock, with a fully vested status, an exercise price of $4.7000 and expiration on 2030-08-25. He also holds 9259 common shares directly and 6989 indirectly through a 401(k) plan. The share counts and option exercise price reflect a 1.3978 to 1.00 stock exchange ratio from the mutual-to-stock conversion, and shares of restricted stock vest at 33 1/3% per year beginning May 26, 2027.

Positive

  • None.

Negative

  • None.
Insider Howell Steven E
Role Director
Type Security Shares Price Value
holding Stock Options F3, F1, F4 -- -- --
holding Common Stock F1, F2 -- -- --
holding Common Stock F1 -- -- --
Holdings After Transaction: Stock Options — 22,875 shares (Direct); Common Stock — 9,259 shares (Direct); Common Stock — 6,989 shares (Indirect, By 401(k))
Footnotes (4)
  1. F1. Reflects a 1.3978 to 1.00 stock exchange ratio in connection with the Company's mutual to stock conversion.
  2. F2. Shares of restricted stock vest at a rate of 33 1/3% per year commencing on May 26, 2027.
  3. F3. Exercise price has been adjusted for the 1.3978 to 1.00 exchange ratio in connection with the Company's mutual to stock conversion.
  4. F4. Stock options are fully vested.
Stock options underlying shares 22875.0000 shares Stock options on common stock held directly by Steven E. Howell
Stock option exercise price $4.7000 per share Exercise price for reported stock options
Stock option expiration date 2030-08-25 Expiration date of reported stock options
Direct common shares 9259.0000 shares Common stock held directly by the director
Common shares via 401(k) 6989.0000 shares Common stock held indirectly through a 401(k) plan
Stock exchange ratio 1.3978 to 1.00 Exchange ratio from mutual-to-stock conversion affecting share counts
Restricted stock vesting rate 33 1/3% per year Vesting rate of restricted stock beginning May 26, 2027
mutual to stock conversion financial
"in connection with the Company's mutual to stock conversion."
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.
exercise price financial
"Exercise price has been adjusted for the 1.3978 to 1.00 exchange ratio"
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.
401(k) financial
"Common Stock held indirectly By 401(k)"
A 401(k) is a type of retirement savings plan offered by employers that allows workers to set aside a portion of their paycheck before taxes are taken out. The money saved in a 401(k) can grow over time through investments, helping individuals build funds for their future retirement. It matters to investors because it provides a tax-advantaged way to save and invest for long-term financial security.

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

See more from StockTitan in Google Search and AI answers. Adds StockTitan as a preferred source · opens Google
Add on Google
Learn about SEC filing dates

FAQ

What equity holdings did Rhinebeck Bancorp (RBKB) director Steven E. Howell report?

Steven E. Howell reported 22875 stock options on common stock, 9259 common shares held directly, and 6989 common shares held indirectly through a 401(k) plan. These amounts reflect a 1.3978 to 1.00 stock exchange ratio from Rhinebeck Bancorp’s mutual-to-stock conversion.

What are the terms of Steven E. Howell’s stock options in Rhinebeck Bancorp (RBKB)?

His options cover 22875 shares of Rhinebeck Bancorp common stock, carry an exercise price of $4.7000 per share, and expire on 2030-08-25. The options are fully vested, and the exercise price reflects the 1.3978 to 1.00 stock exchange ratio from the mutual-to-stock conversion.

How many Rhinebeck Bancorp (RBKB) common shares does Steven E. Howell hold through his 401(k)?

Steven E. Howell holds 6989 Rhinebeck Bancorp common shares indirectly through a 401(k) plan. These shares are reported as indirect ownership and are separate from the 9259 common shares he holds directly in his own name as part of his reported positions.

How do Rhinebeck Bancorp (RBKB) restricted stock awards vest according to this report?

Shares of restricted stock reported for Rhinebeck Bancorp vest at a rate of 33 1/3% per year, beginning on May 26, 2027. This schedule spreads vesting over three years, aligning the award with longer-term service and performance related to the company.

Did Steven E. Howell’s latest Rhinebeck Bancorp (RBKB) report show any new stock purchases or sales?

No new stock purchases or sales were reported. The disclosure lists only existing holdings: stock options, directly held common shares, and common shares held through a 401(k) plan, with transaction summary data showing zero buy, sell, acquire, or dispose entries.
SEC Form 4
FORM 4UNITED 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)
XDirector10% Owner
Officer (give title below)Other (specify below)
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
07/21/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm 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)
CodeVAmount(A) or (D)Price
Common Stock9,259(1)(2)D
Common Stock6,989(1)IBy 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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Stock Options$4.7(3)08/25/202108/25/2030Common Stock22,875(1)(4)22,875(1)(4)D
Explanation of Responses:
1. Reflects a 1.3978 to 1.00 stock exchange ratio in connection with the Company's mutual to stock conversion.
2. Shares of restricted stock vest at a rate of 33 1/3% per year commencing on May 26, 2027.
3. Exercise price has been adjusted for the 1.3978 to 1.00 exchange ratio in connection with the Company's mutual to stock conversion.
4. Stock options are fully vested.
/s/ Scott A. Brown, pursuant to power of attorney07/21/2026
** Signature of Reporting PersonDate
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)