{"schema_version":"secwatch.filing_event.v1","accession":"0001751783-24-000034","form_type":"8-K","ticker":"RBKB","cik":"0001751783","company_name":"Rhinebeck Bancorp, Inc.","filed_at":"2024-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:14.405524+00:00","generated_at":"2026-05-31T16:20:28.227504+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 falls 31.9% to $975K; EPS $0.09","bullets":["Q2 2024 net income $975K ($0.09 diluted EPS), down from $1.4M ($0.13) in Q2 2023.","Net interest income $9.1M, down 1.8% YoY; provision for credit losses increased $899K.","Tangible book value per share $10.27, up 8.5% from June 2023.","Loans decreased $26.5M, led by $50.7M drop in indirect auto loans.","Non-performing assets flat at $4.2M; past due loans improved to 1.58% of total."],"urls":{"canonical":"https://secwatch.observer/filing/0001751783-24-000034","json":"https://secwatch.observer/filing/0001751783-24-000034.json","markdown":"https://secwatch.observer/filing/0001751783-24-000034.md","text":"https://secwatch.observer/filing/0001751783-24-000034.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1751783/000175178324000034/0001751783-24-000034-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1751783/000175178324000034/rbkb-20240725x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T16:20:28.227504+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"}