---
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"
generated_at: "2026-05-27T05:40:39.070107+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Rhinebeck Bancorp posts Q4 net loss $2.7M, full-year net loss $8.6M from securities restructuring

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001751783-25-000003
- JSON: https://secwatch.observer/filing/0001751783-25-000003.json
- Plain text: https://secwatch.observer/filing/0001751783-25-000003.txt

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