Rhinebeck Bancorp director buys 12,500 shares

Rhinebeck Bancorp, Inc. director Suzanne Loughlin purchased a total of 12,500 shares of common stock on July 22, 2026, in open market or private transactions at prices of $11.92 and $11.93 per share.

Rhea-AI Filing Summary

Rhinebeck Bancorp, Inc. director Suzanne Loughlin purchased a total of 12,500 shares of common stock on July 22, 2026, in open market or private transactions at prices of $11.92 and $11.93 per share. Footnotes state these shares are restricted stock vesting 33 1/3% annually starting May 26, 2027. She also holds fully vested stock options exercisable for 22,875 shares of common stock at an exercise price of $4.70 per share, expiring August 25, 2030.

Insider Trade Summary

Net Buyer: 12,500 shares

Net Buy 3 txns

Insider Loughlin Suzanne

Role Director

Bought 12,500 shs ($149K)

Type	Security	Shares	Price	Value
Purchase	Common Stock F1	500	$11.92	$6K
Purchase	Common Stock F1	12,000	$11.93	$143K
holding	Stock Options F2	--	--	--

Holdings After Transaction: Common Stock — 46,828 shares (Direct); Stock Options — 22,875 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

Common shares purchased: 12,500 shares Purchase price (lot 1): $11.92 per share Purchase price (lot 2): $11.93 per share +4 more

7 metrics

Common shares purchased 12,500 shares Total Rhinebeck Bancorp common stock purchased on July 22, 2026

Purchase price (lot 1) $11.92 per share Price for 500-share common stock purchase

Purchase price (lot 2) $11.93 per share Price for 12,000-share common stock purchase

Stock options underlying shares 22,875 shares Underlying common shares for reported stock options

Stock option exercise price $4.70 per share Exercise price of fully vested stock options

Stock option expiration August 25, 2030 Expiration date of reported stock options

Restricted stock vesting rate 33 1/3% per year Vesting rate for restricted stock beginning May 26, 2027

Key Terms

restricted stock, Stock Options, fully vested, expiration date

4 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

"Security title field lists "Stock Options" with underlying common stock"

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.

fully vested financial

"Footnote states that the stock options are fully vested."

expiration date financial

"Options show an expiration date of 2030-08-25 in the filing data"

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 Suzanne Loughlin report for RBKB?

Suzanne Loughlin reported buying 12,500 shares of Rhinebeck Bancorp common stock on July 22, 2026. The purchases were open market or private transactions at per-share prices of $11.92 and $11.93, increasing her directly held common stock position.

At what prices did RBKB director Suzanne Loughlin purchase shares?

She bought 500 shares at $11.92 per share and 12,000 shares at $11.93 per share. Both transactions involved Rhinebeck Bancorp common stock and were reported as open market or private purchases on July 22, 2026.

How many RBKB stock options does Suzanne Loughlin hold in this report?

She holds fully vested stock options exercisable for 22,875 shares of Rhinebeck Bancorp common stock. These options carry an exercise price of $4.70 per share and have an expiration date of August 25, 2030, according to the option holding details.

What is the vesting schedule of the restricted stock reported for RBKB?

Footnotes indicate these are shares of restricted stock that vest at 33 1/3% per year, beginning on May 26, 2027. This schedule spreads vesting over three years for the restricted stock referenced in the transactions.

Were Suzanne Loughlin’s RBKB share purchases under a Rule 10b5-1 plan?

The Rule 10b5-1 trading plan checkbox for this insider report was not marked. Based on that disclosure, the reported July 22, 2026 Rhinebeck Bancorp share purchases are not identified as being made under a Rule 10b5-1 trading plan.

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

Form 4 Insider Transactions: What Each Field Means →

See more from StockTitan in Google Search and AI answers. Adds StockTitan as a preferred source · opens Google

Add on Google Not now

Accepted by SEC EDGAR 07/23/2026 - 04:24 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^*

Loughlin Suzanne

(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)
07/22/2026

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	07/22/2026		P		500	A	$11.92	34,828(1)	D
Common Stock	07/22/2026		P		12,000	A	$11.93	46,828(1)	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	$4.7							08/25/2021	08/25/2030	Common Stock	22,875(2)		22,875(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/ Scott A. Brown, pursuant to power of attorney	07/23/2026
	** 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)