{"schema_version":"secwatch.filing_event.v1","accession":"0001751783-22-000026","form_type":"8-K","ticker":"RBKB","cik":"0001751783","company_name":"Rhinebeck Bancorp, Inc.","filed_at":"2022-07-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:56.906429+00:00","generated_at":"2026-06-24T07:38:16.826655+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 Q2 net income $2.0M ($0.19/sh), down 21% YoY; loan growth +8.4%","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)."],"urls":{"canonical":"https://secwatch.observer/filing/0001751783-22-000026","json":"https://secwatch.observer/filing/0001751783-22-000026.json","markdown":"https://secwatch.observer/filing/0001751783-22-000026.md","text":"https://secwatch.observer/filing/0001751783-22-000026.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1751783/000175178322000026/0001751783-22-000026-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1751783/000175178322000026/rbkb-20220728x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T07:38:16.826655+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"}