STOCK TITAN

Rhinebeck Bancorp, Inc. (RBKB) SVP granted stock, 401(k) shares and options

(Neutral)
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Rhinebeck Bancorp, Inc. reported that SVP and Chief Accounting Officer Phillip Lekanides acquired 500 shares of restricted common stock at $10.0000 per share and 1,368 shares through a 401(k) on July 21, 2026. Following these awards he holds 8,487 shares directly, 6,626 via a 401(k), 2,588 via an ESOP, and fully vested options on 2,096 shares at a $4.7000 exercise price expiring August 25, 2030. The restricted shares vest 33 1/3% annually starting May 26, 2027.

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Insider Lekanides Phillip
Role SVP, Chief Accounting Officer
Type Security Shares Price Value
Grant/Award Common Stock F1, F2 500 $10.00 $5K
Grant/Award Common Stock F1, F3 1,368 $10.00 $14K
holding Stock Options F4, F1, F5 -- -- --
holding Common Stock F1 -- -- --
Holdings After Transaction: Common Stock — 8,487 shares (Direct); Common Stock — 6,626 shares (Indirect, By 401(k)); Stock Options — 2,096 shares (Direct); Common Stock — 2,588 shares (Indirect, By ESOP)
Footnotes (5)
  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. Reflects transactions not required to be reported pursuant to Section 16 of the Securities Act of 1934, as amended.
  4. F4. Exercise price has been adjusted for the 1.3978 to 1.00 exchange ratio in connection with the Company's mutual to stock conversion.
  5. F5. Stock options are fully vested.
Restricted stock grant 500 shares Common Stock awarded on 2026-07-21 at 10.0000 per share
401(k) stock acquisition 1,368 shares Common Stock acquired indirectly via 401(k) on 2026-07-21
Direct common stock holdings 8,487 shares Direct ownership after reported transactions
401(k) common stock holdings 6,626 shares Indirect ownership via 401(k) after reported transactions
ESOP common stock holdings 2,588 shares Indirect ownership via ESOP reported as a holding
Underlying option shares 2,096 shares Stock options on common stock, fully vested
Option exercise price 4.7000 Exercise price for stock options expiring 2030-08-25
Stock exchange ratio 1.3978 to 1.00 Exchange ratio applied in 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.
mutual to stock conversion financial
"in connection with the Company's mutual to stock conversion"
ESOP financial
"nature_of_ownership: By ESOP"
An Employee Stock Ownership Plan (ESOP) is a program that gives employees ownership shares in their company, often as part of their benefits package. It acts like a company-sponsored savings plan, allowing workers to have a stake in the company's success, which can boost motivation and loyalty. For investors, ESOPs can influence company decisions and stock value, making them an important aspect of corporate ownership and governance.
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.

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

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FAQ

What insider activity did RBKB report for Phillip Lekanides?

Phillip Lekanides acquired 500 restricted shares of Rhinebeck Bancorp common stock at $10.0000 and 1,368 shares through a 401(k) on July 21, 2026. These are reported as grant/award acquisitions, not open-market purchases.

Are the new RBKB shares granted to Phillip Lekanides restricted?

Yes. The 500 new shares are restricted stock that vest 33 1/3% per year starting May 26, 2027. This means the award becomes fully vested over three years beginning on that date.

How many RBKB shares does Phillip Lekanides hold after these transactions?

After these awards, Phillip Lekanides holds 8,487 shares directly, 6,626 shares via a 401(k), and 2,588 shares via an ESOP. He also has fully vested options over 2,096 shares of common stock.

Were Phillip Lekanides' RBKB transactions under a Rule 10b5-1 trading plan?

No. The filing’s Rule 10b5-1 checkbox is not marked, and the footnotes do not state that these awards or 401(k) share acquisitions occurred pursuant to a Rule 10b5-1 or similar pre-arranged trading plan.
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*
Lekanides Phillip

(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)
Director10% Owner
XOfficer (give title below)Other (specify below)
SVP, Chief Accounting Officer
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 Stock07/21/2026A500A$108,487(1)(2)D
Common Stock07/21/2026A1,368A$106,626(1)(3)IBy 401(k)
Common Stock2,588(1)IBy ESOP
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(4)08/25/202108/25/2030Common Stock2,096(1)(5)2,096(1)(5)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. Reflects transactions not required to be reported pursuant to Section 16 of the Securities Act of 1934, as amended.
4. Exercise price has been adjusted for the 1.3978 to 1.00 exchange ratio in connection with the Company's mutual to stock conversion.
5. 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)