{"filings":[{"id":1714356,"accession_number":"0001751783-26-000029","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2026-07-17T18:13:10+00:00","items":["8.01","9.01"],"status":"ready","headline":"Rhinebeck Bancorp subscription offering oversubscribed; conversion closes July 21","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Subscription offering oversubscribed in first tier by eligible depositors; no other priority group will have orders filled.","Existing shareholders to receive 1.3978 new shares per old share; cash in lieu of fractional shares at $10.00/share.","Post-transaction shares outstanding: 15,638,237, subject to fractional share adjustment.","Employee stock ownership plan unable to purchase in offering; expected to buy up to 4% in open market post-closing.","Conversion and offering expected to close July 21, 2026; shares to trade under RBKB symbol on Nasdaq."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1334396,"accession_number":"0001751783-26-000027","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2026-06-29T20:38:22+00:00","items":["5.07","8.01","9.01"],"status":"ready","headline":"Rhinebeck Bancorp stockholders and depositors approve conversion to stock holding company structure","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Approvals at special meetings June 29, 2026; plan to convert from mutual to fully public stock holding company structure.","Closing subject to final regulatory approvals, sale of at least 6,587,500 shares, and other conditions.","Subscription offering expired June 18, 2026; no community offering will be held.","Final share count based on independent appraisal and regulatory approvals; allocation processing ongoing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":664316,"accession_number":"0001751783-26-000022","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2026-05-26T18:47:10+00:00","items":["8.01","9.01"],"status":"ready","headline":"Rhinebeck Bancorp launches up to 8.9M share offering at $10 for mutual-to-stock conversion","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Offering up to 8,912,500 shares at $10.00 each; minimum 6,587,500 shares must be sold to complete conversion.","Second-step conversion from mutual holding company to fully stock holding company form.","Subscription offering to eligible depositors and employee plans; community offering to NY counties residents, then existing stockholders, then public.","Subject to regulatory approvals, stockholder and depositor approvals, and other customary conditions.","Keefe Bruyette & Woods acting as marketing agent; Stock Information Center opened May 26, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":526636,"accession_number":"0001751783-26-000020","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2026-05-19T20:04:37+00:00","items":["5.07"],"status":"ready","headline":"Rhinebeck Bancorp shareholders reelect four directors, ratify auditor at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["William C. Irwin elected to two-year term (9,080,423 For; 609,873 Withhold); Howell, McGinnis, J. Smith elected to three-year terms.","Ratification of Wolf & Company, P.C. as auditor for FY2026 passed with 10,412,954 For, 34,549 Against.","Advisory vote on named executive officer compensation approved — 9,545,385 For, 134,792 Against.","Broker non-votes were 759,877 on director elections and the compensation advisory vote."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":444999,"accession_number":"0001104659-26-061328","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2026-05-14T21:16:01+00:00","items":["1.01","9.01"],"status":"ready","headline":"Rhinebeck Bancorp hires KBW to market common stock in offering; fees disclosed","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["KBW will receive $50k management fee (paid) and success fee of 1.0% of subscription offering, 1.5% of community offering proceeds.","Records agent fee of $45k ($20k paid) with possible $15k increase on regulatory or delay changes.","Shares offered under effective S-1 registration statement (No. 333-294283); prospectus dated May 14, 2026.","Syndicated community offering would incur KBW fee up to 6.0% of aggregate proceeds."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":95192,"accession_number":"0001751783-26-000015","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2026-04-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp Q1 net income down 3.1% to $2.2M; net interest margin 3.77%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.2M ($0.20 EPS) vs $2.3M ($0.21 EPS) YoY; ROAA 0.70%, ROAE 6.50%.","Net interest margin 3.77%; provision for credit losses fell 79.9% to $71K.","Non-interest income down 16.3% to $1.5M on lower swap fee income; non-interest expense up 2.4% to $9.7M.","Total assets $1.28B, loans down 1.7%; deposits up 0.6%; non-performing assets $3.5M.","CEO cites solid quarter, pending second step conversion; capital and liquidity robust."],"consensus_eps_estimate":null,"consensus_eps_actual":0.2,"consensus_revenue_estimate":null,"consensus_revenue_actual":764000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":108062,"accession_number":"0001104659-26-012668","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2026-02-10T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Rhinebeck Bancorp adopts second-step conversion; MHC to merge into Company, stock offering planned","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["MHC currently owns ~57% of RBKB shares and will cease to exist upon completion.","Minority stockholders' shares will be exchanged using a ratio designed to preserve their ownership percentages.","Subscription offering gives eligible depositors (record date Dec 31, 2024) first priority to buy shares.","Proceeds from the stock offering will reflect the MHC's ownership interest; share price set by independent appraisal.","Expected closing in Q3 2026, conditioned on regulatory approval and stockholder/depositor votes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":108061,"accession_number":"0001751783-26-000002","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2026-01-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp reports full-year 2025 net income of $10.0M, a turnaround from $8.6M loss in 2024","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2025 net income $2.3M ($0.21 EPS) vs. Q4 2024 net loss of $2.7M ($0.25 loss per share).","FY 2025 net income $10.0M ($0.92 EPS) vs. FY 2024 net loss of $8.6M ($0.80 loss per share).","Net interest margin improved to 3.89% for FY 2025 from 3.17% in FY 2024; efficiency ratio improved to 73.12%.","Non-performing assets decreased to $3.7M (0.28% of total assets) at Dec 31, 2025, down 10.5% from Dec 31, 2024.","Stockholders' equity rose 12.3% to $136.9M; average equity-to-assets ratio 10.09% vs. 9.23% a year ago."],"consensus_eps_estimate":null,"consensus_eps_actual":0.92,"consensus_revenue_estimate":null,"consensus_revenue_actual":2984000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":124488,"accession_number":"0001751783-25-000050","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2025-10-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp returns to profitability with Q3 net income of $2.7M, EPS $0.25","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.7M vs loss $8.1M in Q3 2024; EPS $0.25 vs diluted loss $0.75.","Net interest income rose 24.5% to $12.0M; net interest margin improved to 3.93%.","Non-interest income $1.9M vs net loss $10.0M (prior year included $12M securities restructuring loss).","Loans up 0.6% to $977.6M; commercial real estate +$57.8M offset by -$61.6M in indirect auto loans.","Deposits increased $95.0M (9.3%); borrowings down $43.2M; total assets $1.32B."],"consensus_eps_estimate":null,"consensus_eps_actual":0.7,"consensus_revenue_estimate":null,"consensus_revenue_actual":2240000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":124487,"accession_number":"0001751783-25-000047","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2025-10-21T23:59:59+00:00","items":["5.02","8.01"],"status":"ready","headline":"Director Suzane Loughlin to resign from Rhinebeck Bancorp boards effective Dec 17, 2025; board size reduced","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Suzane Loughlin resigned from the boards of Rhinebeck Bancorp MHC and the Company, effective December 17, 2025.","No disagreements were reported; Loughlin will continue serving on Rhinebeck Bank's board.","MHC and Company reduced board size to eliminate the vacancy caused by her retirement, effective same date."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":141154,"accession_number":"0000943374-25-000402","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2025-09-16T23:59:59+00:00","items":["5.02","8.01","9.01"],"status":"ready","headline":"Rhinebeck Bancorp appoints Matthew J. Smith as CEO effective Oct 20, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Smith appointed President and CEO of Rhinebeck Bancorp, Rhinebeck Bank, and MHC; replaces retiring Michael J. Quinn.","Smith previously served as COO at Columbia Financial and senior roles at Webster Bank and Sterling National Bank.","Employment agreement provides $525,000 annual base salary, STIP target 25-50% of base, and severance terms including 12 months base on qualifying termination.","Quinn will serve as Interim Executive Advisor through December 31, 2025 to assist transition."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":141153,"accession_number":"0001751783-25-000039","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2025-08-07T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Rhinebeck Bancorp authorizes repurchase of up to 540,000 shares (5% of outstanding)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["New stock repurchase plan authorizes up to 540,000 shares (~5% of outstanding common stock).","Repurchases to begin after completion of September 2022 plan (47,506 shares remain).","Shares may be bought in open market, private transactions, or via 10b5-1 trading plan."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":141152,"accession_number":"0001751783-25-000035","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp Q2 net income $2.7M (EPS $0.25), up 179.6% YoY; NIM 3.97%, NPAs down 30%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.7M ($0.25 basic) vs $975K ($0.09) in Q2 2024; six months net income $5.0M ($0.47 basic), up 139.2% YoY.","Net interest income $11.5M (+27.1% YoY); net interest margin 3.97% vs 3.04% a year ago.","Provision for credit losses turned to credit of $101K vs $447K provision in Q2 2024; net charge-offs down to $91K from $833K.","Non-performing assets fell 29.7% to $2.9M; allowance for credit losses 0.85% of loans, 283% of NPLs.","Deposits up 4.9% to $1.07B; loans down 1.1% to $960.8M; Tier 1 capital ratio 12.66%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.46,"consensus_revenue_estimate":null,"consensus_revenue_actual":1501000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":158956,"accession_number":"0001751783-25-000029","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2025-05-21T23:59:59+00:00","items":["5.02","5.07","9.01"],"status":"ready","headline":"Rhinebeck Bancorp shareholders approve 2025 equity plan, elect three directors","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Directors Garcia, Loughlin, and Beeler elected with >91% of votes cast.","2025 Equity Incentive Plan approved: 9,348,025 for, 220,829 against, 74,181 abstain.","Ratification of Wolf & Company as auditor for FY2025: 10,203,446 for, 107,725 against.","Say-on-pay passed advisory (non-binding) with 9,290,578 for, 240,974 against.","Annual frequency for say-on-pay vote selected: 9,393,940 for 1-year, 114,614 for 3-year."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":158955,"accession_number":"0001751783-25-000023","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2025-04-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp Q1 net income doubles to $2.3M, EPS $0.21","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.3M ($0.21 per share) vs $1.1M ($0.10) in Q1 2024, up 104%.","Net interest margin expanded 89bps to 3.79%; interest rate spread up 94bps to 3.13%.","ROAA 0.73% and ROAE 7.49% vs 0.34% and 3.92% a year ago.","Non-performing assets down $0.6M to $3.5M; past due loans decreased 18.9% to 1.38%.","Provision for credit losses rose to $353K from $83K due to higher loan production and charge-offs."],"consensus_eps_estimate":null,"consensus_eps_actual":0.21,"consensus_revenue_estimate":null,"consensus_revenue_actual":773000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":158954,"accession_number":"0001751783-25-000018","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2025-04-15T23:59:59+00:00","items":["5.02","8.01","9.01"],"status":"ready","headline":"Rhinebeck Bancorp appoints McGinnis and Patzwahl to board of directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Sharon A. McGinnis (Chief HR Officer, Central Hudson) and Nancy K. Patzwahl (CPA, UHY Advisors) joined the board effective April 15, 2025.","McGinnis appointed to Compensation and Governance & Nominating Committees; Patzwahl to Audit and Loan Review Committees.","Appointments cover Rhinebeck Bancorp, Inc., Rhinebeck Bank, and Rhinebeck Bancorp, MHC.","No arrangements or related-party transactions disclosed for either director."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":177383,"accession_number":"0001751783-25-000008","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2025-03-21T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp CEO Michael J. Quinn to retire after 40 years; board initiates search","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Michael J. Quinn to retire after 40-year career with Rhinebeck Bank, including 20 years as CEO.","He will remain as President and CEO until successor found or earlier of December 31, 2025.","Board formed a Search Committee and will use an executive search firm to find next CEO.","Retirement Separation Agreement provides base salary through 2025, 2025 bonus, COBRA premiums, and club/car benefits.","Retirement not related to any disagreement with the Company, Bank, or MHC on operations, policies, or practices."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":177382,"accession_number":"0001751783-25-000003","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2025-01-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp posts Q4 net loss $2.7M, full-year net loss $8.6M from securities restructuring","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted loss per share $0.25 in Q4 2024 vs EPS $0.09 in Q4 2023; annual loss per share $0.80 vs $0.40.","Q4 and full-year results include $4.0M and $16.0M loss on sale of securities from balance sheet restructuring.","Net interest margin improved 65 bps to 3.61% in Q4; net interest income rose 14.8% to $10.5M.","Provision for credit losses increased to $1.4M in Q4 (Q4 2023: $230K) due to a $524K commercial loan charge-off.","Total assets fell 4.4% to $1.26B; indirect auto loans down 25% to 23.5% of assets; equity up 7.2% to $121.8M."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.8,"consensus_revenue_estimate":null,"consensus_revenue_actual":3002000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":194133,"accession_number":"0001751783-24-000049","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2024-12-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp sells $21M more securities, takes $4.1M loss; expects $0.04 EPS gain","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold additional $21M of available-for-sale securities in December 2024, following $71M in September.","Recognized $4.1M pre-tax loss; proceeds reinvested at 4.44% yield vs 1.37% sold (3.06% higher).","Projected to increase EPS by $0.04 and net interest margin by 0.04% over next 12 months.","Weighted average life of portfolio reduced from 6.2 years to 1.8 years; bank remains well capitalized.","Expects improved earnings starting Q1 2025, increased liquidity for commercial loan growth."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":194132,"accession_number":"0001751783-24-000042","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2024-10-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp Q3 net loss $8.1M on $12M securities restructuring loss","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $8.1M ($0.75 loss per share) vs net income of $1.2M ($0.11 EPS) in Q3 2023.","Pre-tax loss of $12.0M from sale of low-yield securities (1.11% yield, 5.8yr life); reinvested at 4.22% yield, 2.7yr life.","Net interest income flat at $9.7M, net interest margin improved 17bps to 3.26%.","Total assets down 3.6% to $1.27B; loans fell 4.4% to $964.9M; deposits up 1.5% to $1.07B.","Non-performing assets rose to $4.8M; allowance for credit losses at 0.84% of loans."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.55,"consensus_revenue_estimate":null,"consensus_revenue_actual":2252000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":210445,"accession_number":"0000943374-24-000395","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2024-09-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp sells $71M low-yield securities, records $12M loss to boost future earnings","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold $71M of available-for-sale securities yielding 1.11%; reinvested into securities yielding 4.22% (spread +3.11%).","One-time pre-tax loss of $12.0M; no impact on tangible equity.","Projected to increase EPS by $0.12 and net interest margin by 0.17% over next 12 months, starting Q4 2024.","Weighted-average life of portfolio reduced from 5.8 years to 2.7 years.","Bank remains well capitalized with $40M+ cash and $200M unused FHLB line."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":210444,"accession_number":"0000943374-24-000388","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2024-09-20T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Rhinebeck Bancorp non-renews CEO and COO contracts; terms expire Dec 31, 2026","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Board provided notice of non-renewal to Michael J. Quinn (President & CEO) and Jamie J. Bloom (EVP, COO & Chief Banking Officer).","Employment agreements will expire on December 31, 2026; no immediate departure.","Decision is part of a broader change in corporate philosophy to normalize employment contract terms.","Company states non-renewal does not reflect individual performance evaluation or anticipated management changes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":210443,"accession_number":"0001751783-24-000034","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2024-07-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp Q2 net income falls 31.9% to $975K; EPS $0.09","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 2024 net income $975K ($0.09 diluted EPS), down from $1.4M ($0.13) in Q2 2023.","Net interest income $9.1M, down 1.8% YoY; provision for credit losses increased $899K.","Tangible book value per share $10.27, up 8.5% from June 2023.","Loans decreased $26.5M, led by $50.7M drop in indirect auto loans.","Non-performing assets flat at $4.2M; past due loans improved to 1.58% of total."],"consensus_eps_estimate":null,"consensus_eps_actual":0.19,"consensus_revenue_estimate":null,"consensus_revenue_actual":1479000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":228776,"accession_number":"0000943374-24-000274","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2024-06-25T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp appoints Kevin Nihill as CFO, effective July 8, 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Kevin Nihill appointed CFO and Treasurer; succeeds Michael J. McDermott (retired) and interim Philip Lekanides.","Base salary of $360,000 plus one-time $100,000 bonus payable March 15, 2025 if employed.","Eligible for 15,000 restricted stock awards upon compensation committee approval and continuous employment.","Change in control agreement provides severance of 2x base salary plus average bonus, through Dec 31, 2025.","Nihill previously EVP and CFO of St. Mary's Bank; holds CFA designation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":228775,"accession_number":"0001751783-24-000028","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2024-05-21T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Rhinebeck Bancorp stockholders elect directors and ratify auditor at May 21, 2024 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Frederick L. Battenfeld elected for 1-year term: 8,861,230 For, 301,621 Withhold, 983,567 Broker Non-Votes.","Christopher W. Chestney elected for 3-year term: 8,835,164 For, 327,687 Withhold, 983,567 Broker Non-Votes.","Shannon Martin LaFrance elected for 3-year term: 8,849,855 For, 312,996 Withhold, 983,567 Broker Non-Votes.","Appointment of Wolf & Company, P.C. as independent auditor for FY2024 ratified: 9,786,988 For, 345,925 Against, 13,505 Abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.08,"calibrated_materiality_score":0.08,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":228774,"accession_number":"0001751783-24-000022","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2024-04-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp Q1 net income $1.1M ($0.10 EPS), up 40.5% YoY; tangible book value $10.10 per share","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.1M ($0.10 per share) vs $798K ($0.07) in Q1 2023, up 40.5%.","Net interest income down 9.8% to $8.9M due to higher deposit costs; net interest margin 2.92% (down 29 bps).","Provision for credit losses decreased 91.8% to $83K; net charge-offs down to $250K.","Non-interest income up 9.4% to $1.5M; non-interest expenses down 3.5% to $8.9M (salary/benefits down 4.7% after 5% workforce reduction).","Total assets $1.30B (down 1.1%); loans decreased $15.5M to $993.3M; deposits up $6.5M; equity $114.3M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.1,"consensus_revenue_estimate":null,"consensus_revenue_actual":743000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":228773,"accession_number":"0001751783-24-000019","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2024-04-19T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"CFO Michael J. McDermott to retire May 31; Phillip Lekanides named interim CFO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CFO Michael J. McDermott will retire effective May 31, 2024.","Phillip Lekanides, current VP and Controller, named Interim Principal Financial and Accounting Officer effective June 1, 2024.","Lekanides will receive his normal salary plus a monthly stipend of $4,500 while serving in the interim role.","Lekanides has been with the bank since 2011, serving in VP Financial Planning and Analysis, AVP Finance, and other roles."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":247423,"accession_number":"0001751783-24-000006","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2024-01-31T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Rhinebeck Bancorp CFO Michael J. McDermott to retire effective May 31, 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CFO Michael J. McDermott retiring after 23 years, effective May 31, 2024.","No successor has been announced; search for replacement is underway.","Retirement is not related to any disagreement with Company operations or policies."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":247422,"accession_number":"0001751783-24-000003","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2024-01-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp Q4 net income up 15% YoY to $930k; full year profit down 37% to $4.4M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $930k ($0.09 EPS) vs $808k prior year; FY net income $4.4M ($0.41 EPS) vs $7.0M prior year.","Net interest income fell 6.3% in Q4 ($9.1M) and 9.3% FY ($38.0M) due to higher deposit costs and shift to CDs.","Deposits decreased 8.8% ($99.4M) amid bank failures; borrowings from FHLB up 121.9% ($70.3M) to fund outflows.","Company reduced workforce ~5% in Q1 2023, closed a branch, and recorded $375k impairment on Beacon branch pending sale.","Tangible book value per share rose 7.4% to $10.04; commercial RE loans +15.5%, residential +43.8%, indirect auto -13.8%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.4,"consensus_revenue_estimate":null,"consensus_revenue_actual":2880000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":264874,"accession_number":"0001751783-23-000035","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2023-10-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Q3 net income falls 41% to $1.2M on higher provision, lower NII","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.2M ($0.12 basic, $0.11 diluted), down 41.3% from Q3 2022.","Net interest income fell 13% to $9.7M; provision for credit losses rose to $910K from $545K.","Net charge-offs $385K vs $222K; non-performing assets up 9.1% to $4.8M.","Loans grew $9.4M to $1.26B; deposits fell $47.6M (-4.2%); FHLB borrowings up 51.9%.","Company repurchased 200k shares for $1.4M during Q3; equity decreased 1.4%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.32,"consensus_revenue_estimate":null,"consensus_revenue_actual":2164000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":282067,"accession_number":"0001751783-23-000029","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2023-07-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp Q2 net income down 29.5% to $1.4M; deposits decline 4.6%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $1.4M ($0.13 per share) for Q2 2023, down 29.5% vs Q2 2022; H1 net income $2.2M, down 45.4%.","Net interest income fell 14.4% to $9.3M in Q2 due to higher deposit costs and rising rate environment.","Provision for credit losses was a credit of $452K vs expense of $346K last year; net charge-offs increased to $622K.","Deposits decreased $52.5M (4.6%) from Dec 2022; uninsured deposits ~29% of total deposits.","Stockholders' equity down $669K; repurchased 200K shares for $1.4M; adoption of CECL reduced retained earnings $633K."],"consensus_eps_estimate":null,"consensus_eps_actual":0.2,"consensus_revenue_estimate":null,"consensus_revenue_actual":1426000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":301143,"accession_number":"0001751783-23-000023","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2023-05-23T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Rhinebeck Bancorp shareholders elect three directors, ratify auditor at annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Steven E. Howell re-elected with 9,050,563 votes for, 488,136 withheld, 857,146 broker non-votes.","William C. Irwin re-elected with 9,160,951 votes for, 377,748 withheld, 857,146 broker non-votes.","Michael J. Quinn re-elected with 9,324,201 votes for, 214,498 withheld, 857,146 broker non-votes.","Appointment of Wolf & Company as auditor ratified with 10,287,517 for, 69,040 against, 39,288 abstentions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":301142,"accession_number":"0001751783-23-000016","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2023-04-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp Q1 net income $798K, down 61% YoY on higher loan loss provision","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income fell to $798K ($0.07 EPS) from $2.1M ($0.20 EPS) in Q1 2022; net interest income dipped 2.5% to $9.9M.","Provision for credit losses surged to $1.0M (vs. $221K) including a $975K reserve on one commercial loan and the new CECL methodology.","Deposits dropped 3.2% ($36.4M) in March amid the banking crisis; uninsured deposits were ~29% of total deposits.","Net charge-offs rose to $413K (0.04% of avg loans) from $80K; non-performing loans increased $1.2M to $5.7M.","Company laid off ~5% of its workforce in Q1 to reduce costs; CEO expects deposit outflows to slow with Fed pause."],"consensus_eps_estimate":null,"consensus_eps_actual":0.07,"consensus_revenue_estimate":null,"consensus_revenue_actual":708000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":321033,"accession_number":"0001751783-23-000003","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2023-01-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp Q4 net income down 73% YoY, FY net income down 39.5%; provision expense surges","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $808K ($0.07/diluted) vs $2.98M in Q4 2021; FY net income $7.0M ($0.64 diluted) vs $11.6M.","Provision for loan losses expense of $302K in Q4 vs $1.5M credit in prior year; FY provision $1.4M expense vs $3.7M credit.","Net interest income fell 6.6% in Q4 to $9.8M; FY rose 6.1% to $41.8M. Non-interest income down 23.4% Q4.","Net charge-offs $851K in Q4 (vs $22K recovery); loan growth +16.3% to $139.4M; past due loans 2.29%.","CEO warns of margin compression in 2023, staff reductions implemented; equity down 14.2% to $108.1M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.64,"consensus_revenue_estimate":null,"consensus_revenue_actual":2829000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.78,"calibrated_materiality_score":0.78,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":339134,"accession_number":"0001751783-22-000039","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2022-10-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp Q3 net income down 21.5% to $2.1M, provision expense rises","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.1M ($0.19/share) vs $2.7M prior year; net interest income up 10.3% to $11.1M.","Provision for loan losses expense $545K vs credit of $954K in prior year quarter, driven by indirect auto loan growth.","Total assets $1.29B (+0.9% vs Dec 2021); net loans up 11.3% led by indirect auto +18.5%.","Settlement with NY DFS for $1.45M (penalty + restitution) fully reserved; no further material impact.","Non-interest income down 15.3% on lower mortgage sales; non-interest expense up 1.1%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.56,"consensus_revenue_estimate":null,"consensus_revenue_actual":2125000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":339133,"accession_number":"0001751783-22-000036","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2022-10-06T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Rhinebeck Bancorp settles with NY DFS over dealer markup claims; no further earnings impact","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Bank settled with NYS DFS over claims of statistical differences in dealer markup on indirect auto loans.","Bank denies allegations but agreed to settle to avoid costly litigation.","Settlement fully reserved; no further impact on earnings; average refund $133.","DFS did not find evidence of intentional discrimination; bank asserts dealers, not banks, set markup."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":356504,"accession_number":"0001751783-22-000033","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2022-09-15T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Rhinebeck Bancorp authorizes repurchase of up to 247,506 shares (~5% of outstanding)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Repurchase authorization of up to 247,506 shares, approximately 5% of outstanding common stock (excluding MHC shares).","First buyback program since completing mutual holding company reorganization and IPO in January 2019.","Repurchases expected to commence after public release of Q3 2022 results (quarter ending Sept 30, 2022).","Program has no expiration date; shares may be repurchased via open market or private transactions.","Company not obligated to repurchase any specific number; timing depends on market conditions, stock price, etc."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":356503,"accession_number":"0001751783-22-000026","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2022-07-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp Q2 net income $2.0M ($0.19/sh), down 21% YoY; loan growth +8.4%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.0M ($0.19 basic EPS) vs $2.5M ($0.23) in Q2 2021, down $536K (20.9%).","Provision for loan losses of $346K expense vs $1.1M credit in Q2 2021; increase of $1.5M.","Net interest income rose 19% to $10.9M, aided by $78.8M growth in avg interest-earning assets.","Total loans grew $72.2M (8.4%) to $930M, led by indirect auto loans (+$52.5M, 13.7%).","Non-interest income fell 19% to $1.5M due to lower mortgage gain on sale ($325K decrease)."],"consensus_eps_estimate":null,"consensus_eps_actual":0.37,"consensus_revenue_estimate":null,"consensus_revenue_actual":1412000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":374932,"accession_number":"0001751783-22-000021","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2022-05-24T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Rhinebeck Bancorp elects three directors and ratifies auditor at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Freddimir Garcia, Suzanne Rhulen Loughlin, and Donald Beeler elected as directors with >9M votes each; broker non-votes 940,557.","Ratification of Wolf & Company as independent auditor passed with 10,316,524 for, 16,318 against, 18,372 abstentions.","Annual meeting held May 24, 2022; all proposals approved."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":374931,"accession_number":"0001751783-22-000014","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2022-04-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp Q1 net income down 38% to $2.1M; EPS $0.19 vs $0.31","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.1M ($0.19 per share) vs $3.3M ($0.31 per share) in Q1 2021, a decrease of 38%.","Net interest income up 3.4% to $10.1M; net interest margin down 23 bps to 3.42%.","Non-interest expense up 14.5% to $9.1M, driven by salaries/benefits from four new branches and branch expansion.","Provision for loan losses swung to $221K expense from $69K credit in prior year; net charge-offs fell to $80K.","Stockholders' equity down 6.9% to $117.3M due to $10.9M increase in unrealized securities losses."],"consensus_eps_estimate":null,"consensus_eps_actual":0.19,"consensus_revenue_estimate":null,"consensus_revenue_actual":706000.0,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":393352,"accession_number":"0001751783-22-000003","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2022-01-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp Q4 net income $3.0M; FY2021 record $11.6M, up 95%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income Q4 2021 $3.0M ($0.28 basic EPS) vs $2.3M in Q4 2020, up 27.4%.","FY2021 net income $11.6M ($1.07 basic EPS) vs $5.9M, up 95.3%.","Provision for loan losses: $1.5M credit in Q4 2021 vs $1.4M provision in Q4 2020; full year credit $3.7M vs $7.1M provision.","Acquired two branches from ConnectOne Bank ($33.9M deposits) and opened two new branches in 2021.","Recorded $600K reserve for potential consumer compliance issues in indirect auto portfolio; additional reserves possible."],"consensus_eps_estimate":null,"consensus_eps_actual":1.06,"consensus_revenue_estimate":null,"consensus_revenue_actual":2584000.0,"consensus_period":"2021-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":411862,"accession_number":"0001751783-21-000040","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2021-10-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp Q3 net income $2.7M, up 134% YoY; credit to loan loss provision drives results","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.7M ($0.25/share) in Q3 2021, up 133.5% from $1.2M in Q3 2020; nine-month net income $8.6M, up 139.9%.","Provision for loan losses recorded a credit of $954k in Q3 2021 vs. provision of $2.3M in prior year, reflecting improved credit quality.","Net interest margin stable at 3.44% for nine months; total assets grew 11.9% to $1.26B; deposits up 17% to $1.09B.","Company recorded $450k reserve for potential consumer compliance issues in indirect auto loan portfolio; further reserves possible.","CEO expects slight loan growth in Q4 2021 and normalized growth in 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":0.79,"consensus_revenue_estimate":null,"consensus_revenue_actual":1891000.0,"consensus_period":"2021-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":430589,"accession_number":"0001751783-21-000032","cik":1751783,"company_name":"Rhinebeck Bancorp, Inc.","ticker":"RBKB","form_type":"8-K","filed_at":"2021-07-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Rhinebeck Bancorp reports Q2 net income $2.6M, up 90% YoY; provision credit of $1.1M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income Q2 2021 $2.6M ($0.24 diluted) vs $1.4M a year ago; H1 net income $5.9M ($0.54 diluted), up 143%.","Provision for loan losses swung to a $1.1M credit in Q2 from $2.3M expense in Q2 2020; credit $1.2M for H1.","Total assets $1.21B (+7.2% from Dec 2020); deposits $1.03B (+10.5%); capital ratios strong (T1 Leverage 9.69%).","Completed branch acquisition from ConnectOne Bank assumed $33.9M deposits; PPP loans $74.3M outstanding at June 30.","Non-interest expense rose 31.2% to $8.9M in Q2 due to branch expansion, salaries, and a reserve for indirect auto compliance."],"consensus_eps_estimate":null,"consensus_eps_actual":0.54,"consensus_revenue_estimate":null,"consensus_revenue_actual":1227000.0,"consensus_period":"2021-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":172185252.25549096,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}