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’s 401(k) plan may purchase up to 3,298,199 shares of common stock at $10.00 per share in the conversion stock offering. These purchases occur through a new Rhinebeck Bancorp, Inc. Stock Fund that holds only company shares and tracks their market value daily.
The overall conversion offering registers between 6,587,500 and 8,912,500 primary shares, with estimated net proceeds ranging from approximately $62.95 million to $85.98 million. As of December 31, 2025, Rhinebeck Bank’s 401(k) Plan held about $32.98 million in assets and had roughly 243 active and former employee participants.
Plan participants can direct part of their retirement accounts into the Stock Purchase Fund during the offering, subject to a 25-share minimum and individual limits up to 60,000 shares (or 120,000 shares when acting in concert). After the offering, ongoing purchases and sales of Rhinebeck Bancorp stock inside the plan are allowed within diversification caps and normal trading rules.
Rhinebeck Bancorp, Inc. reported first quarter 2026 net income of $2.2 million, or $0.20 per share, slightly below $2.3 million, or $0.21 per share, a year earlier. Results reflected modestly higher net interest income and a sharply lower credit loss provision, offset by weaker non-interest income and higher operating expenses.
Return on average assets was 0.70% and return on average equity was 6.50%. Net interest margin was 3.77%, supported by lower funding costs and reduced Federal Home Loan Bank advances. Asset quality metrics remained solid, with non-performing assets at $3.5 million and the allowance covering 227.65% of non-performing loans.
Total assets were $1.28 billion at March 31, 2026, down from $1.30 billion a year earlier, as the loan portfolio shrank, particularly indirect automobile loans, while cash and deposits grew. Deposits increased to $1.10 billion, and stockholders’ equity rose to $138.6 million, lifting book value per share to $12.43 and tangible book value per share to $12.22.
Rhinebeck Bancorp, Inc. executive Michael Vitale, EVP and Head of Commercial Banking, filed an initial ownership report on Form 3. The filing lists his position in the company’s common stock as 0 shares held directly following the reported date, establishing a baseline of reported insider ownership.
Rhinebeck Bancorp, Inc. is calling a 2026 annual stockholder meeting on May 19, 2026 at 9:00 a.m. Eastern, held both at its Poughkeepsie, New York headquarters and via webcast. Stockholders will vote on electing four directors, ratifying Wolf & Company, P.C. as auditor for 2026, and approving an advisory say-on-pay resolution on executive compensation.
As of March 27, 2026, 11,152,973 common shares were outstanding, with 6,345,975 shares (56.9%) held by Rhinebeck Bancorp, MHC and 4,806,998 by public stockholders, giving the mutual holding company effective voting control. The proxy also describes corporate governance practices, director and executive pay, incentive plans and change-in-control protections.
Rhinebeck Bancorp, Inc. is offering up to 8,912,500 shares of common stock at $10.00 per share in connection with converting from a mutual holding company to a fully public stock holding company structure. The minimum offering size is 6,587,500 shares, with a midpoint of 7,750,000 shares.
Employees participating in the Rhinebeck Bank 401(k) Plan may direct up to 3,298,199 shares to be purchased through a new Rhinebeck Bancorp, Inc. Stock Fund, based on plan assets of about $32.98 million as of December 31, 2025. Plan participants can shift existing balances into a temporary money market “Stock Purchase Fund” during the offering and will then hold participation interests equivalent to Rhinebeck Bancorp shares.
The 401(k) materials explain purchase priorities, oversubscription handling, contribution and vesting rules, investment options and performance history, as well as ERISA protections and the importance of diversifying retirement savings, particularly when investing in employer stock.
Rhinebeck Bancorp, Inc. is a Maryland-based holding company for Rhinebeck Bank, with consolidated assets of $1.30 billion, deposits of $1.10 billion and stockholders’ equity of $136.9 million as of December 31, 2025. Loans are the core business, with $958.2 million in gross loans (73.2% of total assets), led by commercial real estate, commercial business and indirect automobile lending in New York’s Hudson Valley.
Rhinebeck Bancorp, MHC currently owns 57.0% of the company’s common stock and on February 10, 2026 adopted a Plan of Conversion and Reorganization for a “second-step conversion” to a fully public stock holding company, subject to regulatory, depositor and stockholder approvals. Asset quality metrics are solid, with non‑performing loans of $3.7 million, or 0.39% of total loans, and an allowance for credit losses of $8.35 million, covering 225.76% of non‑performing loans.
Rhinebeck Bancorp, Inc. announced that Rhinebeck Bancorp, MHC has adopted a Plan of Conversion and Reorganization to complete a “second-step” conversion to a fully public stock holding company structure. The mutual holding company, which currently owns approximately 57% of the Company’s common stock, will cease to exist after the transaction.
Under the Plan, the Company will offer and sell new shares of common stock representing the MHC’s ownership interest through a subscription offering and, if needed, additional public offering methods. Existing public shareholders will have their current shares exchanged for new shares based on an exchange ratio designed to preserve their percentage ownership, adjusted for certain MHC assets.
Eligibility for first priority non-transferable subscription rights is based on deposit accounts at Rhinebeck Bank as of December 31, 2024. The number and price of shares and the exchange ratio will be set using an independent appraisal of the Company’s pro forma market value on a fully converted basis. The Plan requires regulatory approvals, as well as approvals from Rhinebeck Bank depositors and the Company’s stockholders, including a majority of the shares held by investors other than the MHC.
Rhinebeck Bancorp, Inc. announced that the board of its parent mutual holding company, Rhinebeck Bancorp, MHC, has adopted a Plan of Conversion and Reorganization to undertake a “second-step” conversion to a fully public stock holding company structure.
The MHC, which currently owns approximately 57% of the Company’s outstanding common stock, will merge into the Company and cease to exist. Shares held by investors other than the MHC will be exchanged for new Company shares under an exchange ratio intended to preserve their overall ownership percentage, excluding any new shares they buy in the offering and cash in lieu of fractional shares.
The Company plans to sell shares representing the MHC’s ownership interest through a subscription offering, with first priority non-transferable subscription rights for eligible depositors of Rhinebeck Bank as of December 31, 2024, followed by potential community, syndicated community, or underwritten offerings. The total shares and pricing will be based on an independent appraisal of the Company’s pro forma market value. The transaction is subject to regulatory approvals and approvals from the Bank’s depositors and the Company’s stockholders, including a separate vote of minority stockholders, and is expected to be completed in the third quarter of 2026.
Rhinebeck Bancorp, Inc. filed a current report to furnish a press release announcing its 2025 fourth quarter and full-year financial results. The company issued the release on January 29, 2026, and attached it as Exhibit 99.1.
The financial information in the press release is being furnished rather than filed under the Exchange Act, which limits its use for certain legal purposes. No specific revenue, earnings, or balance sheet figures are included in this report itself.