---
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"
generated_at: "2026-05-18T02:27:37.273837+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Rhinebeck Bancorp Q2 net income $2.7M (EPS $0.25), up 179.6% YoY; NIM 3.97%, NPAs down 30%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001751783-25-000035
- JSON: https://secwatch.observer/filing/0001751783-25-000035.json
- Plain text: https://secwatch.observer/filing/0001751783-25-000035.txt

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