{"schema_version":"secwatch.filing_event.v1","accession":"0001751783-25-000050","form_type":"8-K","ticker":"RBKB","cik":"0001751783","company_name":"Rhinebeck Bancorp, Inc.","filed_at":"2025-10-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.340015+00:00","generated_at":"2026-05-17T01:57:53.561729+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 returns to profitability with Q3 net income of $2.7M, EPS $0.25","bullets":["Net income $2.7M vs loss $8.1M in Q3 2024; EPS $0.25 vs diluted loss $0.75.","Net interest income rose 24.5% to $12.0M; net interest margin improved to 3.93%.","Non-interest income $1.9M vs net loss $10.0M (prior year included $12M securities restructuring loss).","Loans up 0.6% to $977.6M; commercial real estate +$57.8M offset by -$61.6M in indirect auto loans.","Deposits increased $95.0M (9.3%); borrowings down $43.2M; total assets $1.32B."],"urls":{"canonical":"https://secwatch.observer/filing/0001751783-25-000050","json":"https://secwatch.observer/filing/0001751783-25-000050.json","markdown":"https://secwatch.observer/filing/0001751783-25-000050.md","text":"https://secwatch.observer/filing/0001751783-25-000050.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1751783/000175178325000050/0001751783-25-000050-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1751783/000175178325000050/rbkb-20251028x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:57:53.561729+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"}