Rhinebeck Bancorp Q1 net income doubles to $2.3M, EPS $0.21

Rhinebeck Bancorp, Inc.

2025-Q1 EPS reported $0.21 revenue$773,000

Net income $2.3M ($0.21 per share) vs $1.1M ($0.10) in Q1 2024, up 104%.
Net interest margin expanded 89bps to 3.79%; interest rate spread up 94bps to 3.13%.
ROAA 0.73% and ROAE 7.49% vs 0.34% and 3.92% a year ago.
Non-performing assets down $0.6M to $3.5M; past due loans decreased 18.9% to 1.38%.
Provision for credit losses rose to $353K from $83K due to higher loan production and charge-offs.

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