Rhinebeck Bancorp reports full-year 2025 net income of $10.0M, a turnaround from $8.6M loss in 2024

Rhinebeck Bancorp, Inc.

2025-FY EPS reported $0.92 revenue$2,984,000

Q4 2025 net income $2.3M ($0.21 EPS) vs. Q4 2024 net loss of $2.7M ($0.25 loss per share).
FY 2025 net income $10.0M ($0.92 EPS) vs. FY 2024 net loss of $8.6M ($0.80 loss per share).
Net interest margin improved to 3.89% for FY 2025 from 3.17% in FY 2024; efficiency ratio improved to 73.12%.
Non-performing assets decreased to $3.7M (0.28% of total assets) at Dec 31, 2025, down 10.5% from Dec 31, 2024.
Stockholders' equity rose 12.3% to $136.9M; average equity-to-assets ratio 10.09% vs. 9.23% a year ago.

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