{"schema_version":"secwatch.filing_event.v1","accession":"0001751783-21-000040","form_type":"8-K","ticker":"RBKB","cik":"0001751783","company_name":"Rhinebeck Bancorp, Inc.","filed_at":"2021-10-28T23:59:59+00:00","discovered_at":"2026-05-14T18:04:13.941887+00:00","generated_at":"2026-06-28T16:54:18.936512+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Rhinebeck Bancorp Q3 net income $2.7M, up 134% YoY; credit to loan loss provision drives results","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001751783-21-000040","json":"https://secwatch.observer/filing/0001751783-21-000040.json","markdown":"https://secwatch.observer/filing/0001751783-21-000040.md","text":"https://secwatch.observer/filing/0001751783-21-000040.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1751783/000175178321000040/0001751783-21-000040-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1751783/000175178321000040/rbkb-20211028x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T16:54:18.936512+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}