{"schema_version":"secwatch.filing_event.v1","accession":"0001751783-24-000042","form_type":"8-K","ticker":"RBKB","cik":"0001751783","company_name":"Rhinebeck Bancorp, Inc.","filed_at":"2024-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:09.467951+00:00","generated_at":"2026-05-30T10:35:20.115165+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Rhinebeck Bancorp Q3 net loss $8.1M on $12M securities restructuring loss","bullets":["Net loss of $8.1M ($0.75 loss per share) vs net income of $1.2M ($0.11 EPS) in Q3 2023.","Pre-tax loss of $12.0M from sale of low-yield securities (1.11% yield, 5.8yr life); reinvested at 4.22% yield, 2.7yr life.","Net interest income flat at $9.7M, net interest margin improved 17bps to 3.26%.","Total assets down 3.6% to $1.27B; loans fell 4.4% to $964.9M; deposits up 1.5% to $1.07B.","Non-performing assets rose to $4.8M; allowance for credit losses at 0.84% of loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001751783-24-000042","json":"https://secwatch.observer/filing/0001751783-24-000042.json","markdown":"https://secwatch.observer/filing/0001751783-24-000042.md","text":"https://secwatch.observer/filing/0001751783-24-000042.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1751783/000175178324000042/0001751783-24-000042-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1751783/000175178324000042/rbkb-20241024x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:35:20.115165+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"}