---
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"
generated_at: "2026-05-16T06:29:35.640746+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001751783-26-000002
- JSON: https://secwatch.observer/filing/0001751783-26-000002.json
- Plain text: https://secwatch.observer/filing/0001751783-26-000002.txt

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