---
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"
generated_at: "2026-05-17T01:57:53.561729+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Rhinebeck Bancorp returns to profitability with Q3 net income of $2.7M, EPS $0.25

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1751783/000175178325000050/0001751783-25-000050-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1751783/000175178325000050/rbkb-20251028x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001751783-25-000050
- JSON: https://secwatch.observer/filing/0001751783-25-000050.json
- Plain text: https://secwatch.observer/filing/0001751783-25-000050.txt

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