Rhinebeck Bancorp, Inc. (RBKB) director lists 2,270 shares

Rhea-AI Filing Summary

Rhinebeck Bancorp, Inc. director Sharon McGinnis reports direct ownership of 2,270 shares of common stock. A footnote states this amount reflects a 1.3978-to-1 stock exchange ratio tied to the company’s mutual-to-stock conversion, and that these restricted shares vest in equal 33 1/3% annual installments beginning May 26, 2027.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider McGinnis Sharon

Role Director

Type	Security	Shares	Price	Value
holding	Common Stock F1, F2	--	--	--

Holdings After Transaction: Common Stock — 2,270 shares (Direct)

Footnotes (2)

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.

Key Figures

Common stock held: 2,270 shares Stock exchange ratio: 1.3978 to 1.00 Restricted stock vesting rate: 33 1/3% per year

3 metrics

Common stock held 2,270 shares Direct holdings reported for director Sharon McGinnis following mutual-to-stock conversion

Stock exchange ratio 1.3978 to 1.00 Exchange ratio applied in connection with mutual-to-stock conversion

Restricted stock vesting rate 33 1/3% per year Vesting schedule for restricted shares commencing on May 26, 2027

Key Terms

mutual to stock conversion, restricted stock, stock exchange ratio

3 terms

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.

stock exchange ratio financial

"Reflects a 1.3978 to 1.00 stock exchange ratio"

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

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Form 4 Insider Transactions: What Each Field Means →

Available on EDGAR 07/21/2026 - 05:46 PM Accepted by SEC EDGAR 07/21/2026 - 05:46 PM Learn about SEC filing dates

FAQ

What insider position does this Form 4 report for RBKB?

Director Sharon McGinnis is reported as directly owning 2,270 shares of Rhinebeck Bancorp common stock. The holding reflects a stock exchange ratio applied in connection with the company’s mutual-to-stock conversion and is described as restricted stock subject to vesting.

How many Rhinebeck Bancorp (RBKB) shares does Sharon McGinnis hold after the reported event?

Sharon McGinnis holds 2,270 shares of Rhinebeck Bancorp common stock directly. A related footnote explains that this figure results from a 1.3978-to-1.00 stock exchange ratio applied in the company’s mutual-to-stock conversion transaction.

What is the stock exchange ratio mentioned in the RBKB Form 4?

The filing notes a 1.3978-to-1.00 stock exchange ratio used in connection with Rhinebeck Bancorp’s mutual-to-stock conversion. This ratio is stated as the basis for the reported share amount attributed to director Sharon McGinnis’s holdings.

How do the restricted shares for RBKB’s director Sharon McGinnis vest?

The restricted stock held by Sharon McGinnis vests at 33 1/3% per year, starting on May 26, 2027. This means the award becomes exercisable or free of restrictions in three equal annual installments beginning on that date.

Does the RBKB Form 4 mention a mutual-to-stock conversion?

Yes. A footnote states the reported holding reflects a 1.3978-to-1.00 stock exchange ratio in connection with Rhinebeck Bancorp’s mutual-to-stock conversion, indicating the share count results from that corporate restructuring step.

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)
07/21/2026

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								2,270(1)(2)	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. 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.

	/s/ Scott A. Brown, pursuant to power of attorney	07/21/2026
	** 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)