---
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"
generated_at: "2026-06-24T07:38:16.826655+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Rhinebeck Bancorp Q2 net income $2.0M ($0.19/sh), down 21% YoY; loan growth +8.4%

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001751783-22-000026
- JSON: https://secwatch.observer/filing/0001751783-22-000026.json
- Plain text: https://secwatch.observer/filing/0001751783-22-000026.txt

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