---
schema_version: "secwatch.filing_event.v1"
accession: "0001751783-24-000049"
form_type: "8-K"
ticker: "RBKB"
cik: "0001751783"
company_name: "Rhinebeck Bancorp, Inc."
filed_at: "2024-12-26T23:59:59+00:00"
generated_at: "2026-05-28T23:20:40.959540+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Rhinebeck Bancorp sells $21M more securities, takes $4.1M loss; expects $0.04 EPS gain

## Summary
- Sold additional $21M of available-for-sale securities in December 2024, following $71M in September.
- Recognized $4.1M pre-tax loss; proceeds reinvested at 4.44% yield vs 1.37% sold (3.06% higher).
- Projected to increase EPS by $0.04 and net interest margin by 0.04% over next 12 months.
- Weighted average life of portfolio reduced from 6.2 years to 1.8 years; bank remains well capitalized.
- Expects improved earnings starting Q1 2025, increased liquidity for commercial loan growth.

## SEC filing metadata
- accession: 0001751783-24-000049
- form_type: 8-K
- ticker: RBKB
- cik: 0001751783
- company_name: Rhinebeck Bancorp, Inc.
- filed_at: 2024-12-26T23:59:59+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1751783/000175178324000049/0001751783-24-000049-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1751783/000175178324000049/rbkb-20241226x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001751783-24-000049
- JSON: https://secwatch.observer/filing/0001751783-24-000049.json
- Plain text: https://secwatch.observer/filing/0001751783-24-000049.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.