secwatch.observer — SEC 8-K summary
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Issuer:     Rhinebeck Bancorp, Inc. (RBKB)
CIK:        0001751783
Form:       8-K
Filed at:   2025-10-28T23:59:59+00:00
Accession:  0001751783-25-000050
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1751783/000175178325000050/0001751783-25-000050-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1751783/000175178325000050/rbkb-20251028x8k.htm
  HTML page:      https://secwatch.observer/filing/0001751783-25-000050

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer