Rhinebeck Bancorp (RBKB) officer sells 4,162 shares, keeps retirement stake

Rhea-AI Filing Summary

Rhinebeck Bancorp, Inc. reported that officer Philip J. Bronzi executed an open-market sale of common stock. He sold 4,162 shares of common stock at $15.915 per share, reducing his directly held common stock to 0 shares after the transaction.

The filing also shows indirect holdings that remain unchanged, including 3,548 shares of common stock held through an ESOP and 10,980 shares held through a 401(k) plan, both reported as indirect ownership.

Insider Trade Summary

Net Seller: 4,162 shares ($66,238)

Net Sell 3 txns

Insider Bronzi Philip J

Role 1st SVP, Com Mkt Pres

Sold 4,162 shs ($66K)

Type	Security	Shares	Price	Value
Sale	Common Stock	4,162	$15.915	$66K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 0 shares (Direct, null); Common Stock — 10,980 shares (Indirect, By 401(k))

Footnotes (1)

Key Figures

Shares sold: 4,162 shares Sale price per share: $15.915 per share Direct shares after sale: 0 shares +3 more

6 metrics

Shares sold 4,162 shares Open-market sale of common stock on May 19, 2026

Sale price per share $15.915 per share Price for the 4,162 common shares sold

Direct shares after sale 0 shares Total directly held common stock following the transaction

ESOP indirect holdings 3,548 shares Common stock held indirectly by ESOP as of May 19, 2026

401(k) indirect holdings 10,980 shares Common stock held indirectly by 401(k) as of May 19, 2026

Net shares sold 4,162 shares Net buy/sell shares reported as net-sell in summary

Key Terms

open-market sale, ESOP, 401(k), indirect ownership

4 terms

open-market sale financial

"Sale in open market or private transaction"

An open-market sale is when a shareholder sells existing shares directly on a public exchange to any willing buyer, rather than through a private deal. Think of it like putting goods on a busy market stall where price is set by supply and demand; for investors it matters because such sales increase available supply, can put short-term downward pressure on the stock price, and signal changes in liquidity or investor confidence.

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.

401(k) financial

"nature_of_ownership": "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.

indirect ownership financial

"ownership_type": "indirect""

Form 4 Insider Transactions: What Each Field Means →

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

X

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^*

Bronzi Philip J

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	1st SVP, Com Mkt Pres

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/19/2026

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	05/19/2026		S		4,162	D	$15.915	0	D
Common Stock								10,980	I	By 401(k)
Common Stock								3,548	I	By 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)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ Philip J. Bronzi	05/21/2026
	** 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)

FAQ

What did Rhinebeck Bancorp (RBKB) disclose in this Form 4 filing?

Rhinebeck Bancorp disclosed that officer Philip J. Bronzi sold 4,162 shares of common stock at $15.915 per share. The filing also reports his remaining indirect holdings through an ESOP and a 401(k) plan.

How many Rhinebeck Bancorp (RBKB) shares did Philip J. Bronzi sell?

Philip J. Bronzi sold 4,162 shares of Rhinebeck Bancorp common stock. The transaction was reported as an open-market or private sale on May 19, 2026, under transaction code S in the Form 4 filing.

At what price were the RBKB shares sold in the reported transaction?

The 4,162 Rhinebeck Bancorp common shares were sold at $15.915 per share. This price is listed as the transaction price per share for the open-market sale reported in the Form 4 filing for May 19, 2026.

What are Philip J. Bronzi’s direct RBKB holdings after this Form 4 transaction?

After the reported sale, Philip J. Bronzi’s direct holdings of Rhinebeck Bancorp common stock are 0 shares. The Form 4 shows total shares following the transaction for his direct position as 0.0000.

Does Philip J. Bronzi still have indirect Rhinebeck Bancorp (RBKB) holdings?

Yes. The Form 4 shows 3,548 shares of common stock held indirectly through an ESOP and 10,980 shares held indirectly through a 401(k) plan, both reported as indirect ownership interests following the transaction.

What role does Philip J. Bronzi hold at Rhinebeck Bancorp (RBKB)?

Philip J. Bronzi is reported as an officer of Rhinebeck Bancorp with the title "1st SVP, Com Mkt Pres." This officer status is included in the Form 4 reporting person details associated with the disclosed transactions.