{"schema_version":"secwatch.filing_event.v1","accession":"0001751783-23-000035","form_type":"8-K","ticker":"RBKB","cik":"0001751783","company_name":"Rhinebeck Bancorp, Inc.","filed_at":"2023-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:30.310921+00:00","generated_at":"2026-06-09T08:42:02.948861+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Rhinebeck Q3 net income falls 41% to $1.2M on higher provision, lower NII","bullets":["Net income $1.2M ($0.12 basic, $0.11 diluted), down 41.3% from Q3 2022.","Net interest income fell 13% to $9.7M; provision for credit losses rose to $910K from $545K.","Net charge-offs $385K vs $222K; non-performing assets up 9.1% to $4.8M.","Loans grew $9.4M to $1.26B; deposits fell $47.6M (-4.2%); FHLB borrowings up 51.9%.","Company repurchased 200k shares for $1.4M during Q3; equity decreased 1.4%."],"urls":{"canonical":"https://secwatch.observer/filing/0001751783-23-000035","json":"https://secwatch.observer/filing/0001751783-23-000035.json","markdown":"https://secwatch.observer/filing/0001751783-23-000035.md","text":"https://secwatch.observer/filing/0001751783-23-000035.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1751783/000175178323000035/0001751783-23-000035-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1751783/000175178323000035/rbkb-20231026x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T08:42:02.948861+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":"3ca2902c4a2f218fc104e626d09e5ddf3f5efcbc","claim":"Rhinebeck Bancorp, Inc. reported the nine months ended September 30, 2023 results: net income $3.5 million ($0.32 per basic and diluted share).","evidence_excerpt":"Net income for the nine months ended September 30, 2023 of $3.5 million ($0.32 per basic and diluted share), was $2.7 million, or 44.0%, less than the same period last year.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1751783/000175178323000035/0001751783-23-000035-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the nine months ended September 30, 2023"},{"label":"Net income","value":"$3.5 million ($0.32 per basic and diluted share)"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"47a90004028b4811bdec92f1c862183249fe811f","claim":"Rhinebeck Bancorp, Inc. reported the three months ended September 30, 2023 results: net income $1.2 million ($0.12 per basic and $0.11 per diluted share).","evidence_excerpt":"Rhinebeck Bancorp, Inc. issued a press release announcing 2023 third quarter financial results.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1751783/000175178323000035/0001751783-23-000035-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended September 30, 2023"},{"label":"Net income","value":"$1.2 million ($0.12 per basic and $0.11 per 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"}