{"schema_version":"secwatch.filing_event.v1","accession":"0001751783-23-000003","form_type":"8-K","ticker":"RBKB","cik":"0001751783","company_name":"Rhinebeck Bancorp, Inc.","filed_at":"2023-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:46.411681+00:00","generated_at":"2026-06-20T08:21:35.692023+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.78,"calibrated_materiality_score":0.78,"confidence":"high","headline":"Rhinebeck Bancorp Q4 net income down 73% YoY, FY net income down 39.5%; provision expense surges","bullets":["Q4 net income $808K ($0.07/diluted) vs $2.98M in Q4 2021; FY net income $7.0M ($0.64 diluted) vs $11.6M.","Provision for loan losses expense of $302K in Q4 vs $1.5M credit in prior year; FY provision $1.4M expense vs $3.7M credit.","Net interest income fell 6.6% in Q4 to $9.8M; FY rose 6.1% to $41.8M. Non-interest income down 23.4% Q4.","Net charge-offs $851K in Q4 (vs $22K recovery); loan growth +16.3% to $139.4M; past due loans 2.29%.","CEO warns of margin compression in 2023, staff reductions implemented; equity down 14.2% to $108.1M."],"urls":{"canonical":"https://secwatch.observer/filing/0001751783-23-000003","json":"https://secwatch.observer/filing/0001751783-23-000003.json","markdown":"https://secwatch.observer/filing/0001751783-23-000003.md","text":"https://secwatch.observer/filing/0001751783-23-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1751783/000175178323000003/0001751783-23-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1751783/000175178323000003/rbkb-20230126x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T08:21:35.692023+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":"eb835b8d94977972aee9e61aa9c97a5ceca3a2db","claim":"Rhinebeck Bancorp, Inc. reported the quarter and year ended December 31, 2022 results: net income net income for the three months ended December 31, 2022 of $808,000 ($0.07 per basic and diluted share)...Net income for.","evidence_excerpt":"Rhinebeck Bancorp, Inc. issued a press release announcing 2022 fourth quarter and year-end financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1751783/000175178323000003/0001751783-23-000003-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter and year ended December 31, 2022"},{"label":"Net income","value":"net income for the three months ended December 31, 2022 of $808,000 ($0.07 per basic and diluted share)...Net income for"},{"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"}