{"schema_version":"secwatch.filing_event.v1","accession":"0001751783-25-000035","form_type":"8-K","ticker":"RBKB","cik":"0001751783","company_name":"Rhinebeck Bancorp, Inc.","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.873812+00:00","generated_at":"2026-05-18T02:27:37.273837+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Rhinebeck Bancorp Q2 net income $2.7M (EPS $0.25), up 179.6% YoY; NIM 3.97%, NPAs down 30%","bullets":["Net income $2.7M ($0.25 basic) vs $975K ($0.09) in Q2 2024; six months net income $5.0M ($0.47 basic), up 139.2% YoY.","Net interest income $11.5M (+27.1% YoY); net interest margin 3.97% vs 3.04% a year ago.","Provision for credit losses turned to credit of $101K vs $447K provision in Q2 2024; net charge-offs down to $91K from $833K.","Non-performing assets fell 29.7% to $2.9M; allowance for credit losses 0.85% of loans, 283% of NPLs.","Deposits up 4.9% to $1.07B; loans down 1.1% to $960.8M; Tier 1 capital ratio 12.66%."],"urls":{"canonical":"https://secwatch.observer/filing/0001751783-25-000035","json":"https://secwatch.observer/filing/0001751783-25-000035.json","markdown":"https://secwatch.observer/filing/0001751783-25-000035.md","text":"https://secwatch.observer/filing/0001751783-25-000035.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1751783/000175178325000035/0001751783-25-000035-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1751783/000175178325000035/rbkb-20250724x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T02:27:37.273837+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"}