{"schema_version":"secwatch.filing_event.v1","accession":"0001751783-25-000023","form_type":"8-K","ticker":"RBKB","cik":"0001751783","company_name":"Rhinebeck Bancorp, Inc.","filed_at":"2025-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:49.585827+00:00","generated_at":"2026-05-23T07:09:58.337009+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Rhinebeck Bancorp Q1 net income doubles to $2.3M, EPS $0.21","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001751783-25-000023","json":"https://secwatch.observer/filing/0001751783-25-000023.json","markdown":"https://secwatch.observer/filing/0001751783-25-000023.md","text":"https://secwatch.observer/filing/0001751783-25-000023.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1751783/000175178325000023/0001751783-25-000023-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1751783/000175178325000023/rbkb-20250424x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T07:09:58.337009+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"}