---
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"
generated_at: "2026-06-27T15:01:52.072071+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Rhinebeck Bancorp Q4 net income $3.0M; FY2021 record $11.6M, up 95%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001751783-22-000003
- JSON: https://secwatch.observer/filing/0001751783-22-000003.json
- Plain text: https://secwatch.observer/filing/0001751783-22-000003.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.