{"schema_version":"secwatch.filing_event.v1","accession":"0001751783-26-000002","form_type":"8-K","ticker":"RBKB","cik":"0001751783","company_name":"Rhinebeck Bancorp, Inc.","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.073509+00:00","generated_at":"2026-05-16T06:29:35.640746+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Rhinebeck Bancorp reports full-year 2025 net income of $10.0M, a turnaround from $8.6M loss in 2024","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001751783-26-000002","json":"https://secwatch.observer/filing/0001751783-26-000002.json","markdown":"https://secwatch.observer/filing/0001751783-26-000002.md","text":"https://secwatch.observer/filing/0001751783-26-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1751783/000175178326000002/0001751783-26-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1751783/000175178326000002/rbkb-20260129x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:29:35.640746+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"}