{"schema_version":"secwatch.filing_event.v1","accession":"0001751783-22-000014","form_type":"8-K","ticker":"RBKB","cik":"0001751783","company_name":"Rhinebeck Bancorp, Inc.","filed_at":"2022-04-28T23:59:59+00:00","discovered_at":"2026-05-14T18:04:02.130783+00:00","generated_at":"2026-06-26T03:32:45.657066+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Rhinebeck Bancorp Q1 net income down 38% to $2.1M; EPS $0.19 vs $0.31","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001751783-22-000014","json":"https://secwatch.observer/filing/0001751783-22-000014.json","markdown":"https://secwatch.observer/filing/0001751783-22-000014.md","text":"https://secwatch.observer/filing/0001751783-22-000014.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1751783/000175178322000014/0001751783-22-000014-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1751783/000175178322000014/rbkb-20220428x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T03:32:45.657066+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"}