{"schema_version":"secwatch.filing_event.v1","accession":"0001751783-22-000039","form_type":"8-K","ticker":"RBKB","cik":"0001751783","company_name":"Rhinebeck Bancorp, Inc.","filed_at":"2022-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:51.981096+00:00","generated_at":"2026-06-23T00:07:20.460941+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Rhinebeck Bancorp Q3 net income down 21.5% to $2.1M, provision expense rises","bullets":["Net income $2.1M ($0.19/share) vs $2.7M prior year; net interest income up 10.3% to $11.1M.","Provision for loan losses expense $545K vs credit of $954K in prior year quarter, driven by indirect auto loan growth.","Total assets $1.29B (+0.9% vs Dec 2021); net loans up 11.3% led by indirect auto +18.5%.","Settlement with NY DFS for $1.45M (penalty + restitution) fully reserved; no further material impact.","Non-interest income down 15.3% on lower mortgage sales; non-interest expense up 1.1%."],"urls":{"canonical":"https://secwatch.observer/filing/0001751783-22-000039","json":"https://secwatch.observer/filing/0001751783-22-000039.json","markdown":"https://secwatch.observer/filing/0001751783-22-000039.md","text":"https://secwatch.observer/filing/0001751783-22-000039.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1751783/000175178322000039/0001751783-22-000039-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1751783/000175178322000039/rbkb-20221027x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T00:07:20.460941+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":[{"claim_id":"676254da206e873090e9c15fb6d22fabbf9315f4","claim":"Rhinebeck Bancorp, Inc. reported three and nine months ended September 30, 2022 results: net income $2.1 million ($0.19 per basic and diluted share).","evidence_excerpt":"Rhinebeck Bancorp, Inc. issued a press release announcing 2022 third quarter financial results.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1751783/000175178322000039/0001751783-22-000039-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three and nine months ended September 30, 2022"},{"label":"Net income","value":"$2.1 million ($0.19 per basic and diluted share)"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}