{"schema_version":"secwatch.filing_event.v1","accession":"0001751783-25-000003","form_type":"8-K","ticker":"RBKB","cik":"0001751783","company_name":"Rhinebeck Bancorp, Inc.","filed_at":"2025-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.715736+00:00","generated_at":"2026-05-27T05:40:39.070107+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 posts Q4 net loss $2.7M, full-year net loss $8.6M from securities restructuring","bullets":["Diluted loss per share $0.25 in Q4 2024 vs EPS $0.09 in Q4 2023; annual loss per share $0.80 vs $0.40.","Q4 and full-year results include $4.0M and $16.0M loss on sale of securities from balance sheet restructuring.","Net interest margin improved 65 bps to 3.61% in Q4; net interest income rose 14.8% to $10.5M.","Provision for credit losses increased to $1.4M in Q4 (Q4 2023: $230K) due to a $524K commercial loan charge-off.","Total assets fell 4.4% to $1.26B; indirect auto loans down 25% to 23.5% of assets; equity up 7.2% to $121.8M."],"urls":{"canonical":"https://secwatch.observer/filing/0001751783-25-000003","json":"https://secwatch.observer/filing/0001751783-25-000003.json","markdown":"https://secwatch.observer/filing/0001751783-25-000003.md","text":"https://secwatch.observer/filing/0001751783-25-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1751783/000175178325000003/0001751783-25-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1751783/000175178325000003/rbkb-20250130x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T05:40:39.070107+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"}