{"schema_version":"secwatch.filing_event.v1","accession":"0001751783-22-000003","form_type":"8-K","ticker":"RBKB","cik":"0001751783","company_name":"Rhinebeck Bancorp, Inc.","filed_at":"2022-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:04:08.074925+00:00","generated_at":"2026-06-27T15:01:52.072071+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Rhinebeck Bancorp Q4 net income $3.0M; FY2021 record $11.6M, up 95%","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001751783-22-000003","json":"https://secwatch.observer/filing/0001751783-22-000003.json","markdown":"https://secwatch.observer/filing/0001751783-22-000003.md","text":"https://secwatch.observer/filing/0001751783-22-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1751783/000175178322000003/0001751783-22-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1751783/000175178322000003/rbkb-20220127x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T15:01:52.072071+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"}