---
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"
generated_at: "2026-05-23T07:09:58.337009+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001751783-25-000023
- JSON: https://secwatch.observer/filing/0001751783-25-000023.json
- Plain text: https://secwatch.observer/filing/0001751783-25-000023.txt

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