Welcome to our dedicated page for Rhinebeck Bancorp SEC filings (Ticker: RBKB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for Rhinebeck Bancorp, Inc. (NASDAQ: RBKB), the Maryland‑incorporated mid‑tier holding company for Rhinebeck Bank. As a public company with common stock registered under Section 12(b) of the Securities Exchange Act of 1934 and listed on The NASDAQ Stock Market, Rhinebeck Bancorp files periodic and current reports that detail its financial condition, operations, and governance.
Key filings include annual reports on Form 10‑K, which describe the Company’s business as the holding company for a New York chartered stock savings bank, outline loan and deposit activities, and present audited financial statements. Quarterly reports on Form 10‑Q provide interim financial data, including information on net interest income, non‑interest income, credit loss provisions, loan portfolio composition, and balance sheet metrics such as loans receivable, available‑for‑sale securities, deposits, and advances from the Federal Home Loan Bank.
Current reports on Form 8‑K disclose material events, such as quarterly earnings announcements, stock repurchase plan authorizations, balance sheet restructurings involving the sale and reinvestment of available‑for‑sale securities, and changes in executive leadership or board composition. These filings also document employment agreements with senior executives and other governance matters.
Investors can also review proxy‑related materials and, where applicable, Form 4 and other insider transaction reports filed by directors and officers, which show purchases, sales, or other changes in beneficial ownership of RBKB common stock. Stock Titan’s platform enhances these filings with AI‑powered summaries that explain complex sections, highlight changes across reporting periods, and draw attention to items such as credit quality trends, capital management actions, and board or management changes. Real‑time updates from EDGAR help users follow new 10‑K, 10‑Q, 8‑K, and insider filings as they are made available.
Rhinebeck Bancorp, Inc. has filed a Form S-8 to register shares of its common stock for issuance under the Rhinebeck Bancorp, Inc. 2025 Equity Incentive Plan. This plan is designed to grant equity-based awards such as restricted stock and stock options to directors, officers, employees, and other service providers, aligning their interests with those of shareholders through ownership of company stock.
The filing incorporates by reference the company’s latest Annual Report on Form 10-K for the year ended December 31, 2024, its 2025 Quarterly Reports on Form 10-Q, and several Current Reports on Form 8-K, so those documents supply the detailed financial and business information. The S-8 also outlines broad indemnification and liability limitation provisions for directors and officers under Maryland law and confirms that standard SEC limits on indemnification for Securities Act liabilities will apply.
Rhinebeck Bancorp (RBKB) reported a profitable Q3 2025. Net income was $2.7 million (basic EPS $0.25), compared with a loss a year ago, as net interest income rose and funding costs eased.
Net interest income increased to $12.0 million from $9.7 million, with interest expense down to $5.7 million from $6.3 million. Provision for credit losses was $0.9 million. Non-interest income was $1.9 million, versus a prior-year loss driven by a one-time $12.0 million securities sale loss in 2024. Non-interest expense was $9.7 million.
On the balance sheet, total assets were $1.316 billion. Deposits reached $1.116 billion (non-interest bearing $252.7 million). Loans, net, were $977.6 million. Cash and equivalents rose to $103.5 million, while FHLB advances declined to $26.6 million. Stockholders’ equity improved to $133.0 million as accumulated other comprehensive loss narrowed.
Rhinebeck Bancorp (RBKB) reported an insider transaction by its CFO and Treasurer. On 11/06/2025, the officer purchased 1,000 shares of common stock at $9.67 per share. Following this trade, the officer beneficially owns 15,532 shares, held directly.
The reported total includes restricted stock that vests at a rate of 33 1/3% per year commencing on July 9, 2025.
Rhinebeck Bancorp, Inc. furnished a Form 8-K announcing its third quarter 2025 financial results via a press release attached to the report. The company states this information is being “furnished” rather than “filed” under the Exchange Act.
The press release containing the detailed quarterly figures is included as an exhibit to the report.
Rhinebeck Bancorp (RBKB) filed a Form 3, the initial statement of beneficial ownership. The reporting person is listed as both Director and President & CEO, with the date of event on 10/20/2025. The filing reports 0 shares of Common Stock beneficially owned in direct form. No derivative securities are reported in Table II. The form indicates it was filed by one reporting person.
Rhinebeck Bancorp, Inc. reported that Suzane Loughlin resigned from the Board of Trustees of Rhinebeck Bancorp, MHC and the Company’s Board of Directors, effective December 17, 2025. The Company stated there were no disagreements. Ms. Loughlin will continue to serve on the Board of Directors of Rhinebeck Bank.
On October 21, 2025, the MHC and the Company each voted to reduce the size of their boards to eliminate the vacancy created by her retirement, effective December 17, 2025.
Rhinebeck Bancorp, Inc. appointed Matthew J. Smith as President and Chief Executive Officer of the company, Rhinebeck Bank and Rhinebeck Bancorp, MHC, effective October 20, 2025, succeeding retiring CEO Michael J. Quinn. Quinn will remain as Interim Executive Advisor through December 31, 2025 to support the transition.
Smith, age 41, brings prior senior leadership roles at Columbia Financial, Webster Bank and Sterling National Bank. His employment agreement provides a $525,000 annual base salary, eligibility for short- and long-term incentives with a target bonus between 25% and 50% of base salary, and standard executive benefits.
The contract runs initially through December 31, 2026 with automatic one-year renewals, and includes severance protections for qualifying terminations, which increase if they occur within two years after a change in control. Post-employment, certain non-compete and non-solicitation restrictions apply for one year.
Michael J. Quinn, President & CEO and Director of Rhinebeck Bancorp (RBKB), reported option exercise and share disposition on 09/09/2025. He exercised 95,100 stock options at an exercise price of $6.57 per share, and those options are fully vested. The same filing reports a disposition of 55,646 shares at a price of $13.00 per share. The Form 4 also lists indirect holdings including 7,401 shares in a 401(k), 3,357 shares in an ESOP, 10,100 shares in a spouse's IRA and 1,000 shares directly held by spouse. The filing is signed 09/11/2025.
Rhinebeck Bancorp insider reported multiple stock sales and existing holdings. The filing shows James T. McCardle III, Chief Credit Officer and director, sold 685 shares on 08/12/2025 at $12.74 and sold 4,250 shares on 08/29/2025 at $13.14, totaling 4,935 shares sold. Following the 08/29 sale his direct beneficial ownership is reported as 3,580 shares. He also holds indirect positions of 9,867 shares via a 401(k) and 3,192 shares via an ESOP. Separately, he beneficially owns 28,000 fully vested stock options with a $6.57 exercise price expiring 08/25/2030. All figures are taken directly from the Form 4.