secwatch.observer — SEC 8-K summary
======================================

Issuer:     Rhinebeck Bancorp, Inc. (RBKB)
CIK:        0001751783
Form:       8-K
Filed at:   2026-01-29T23:59:59+00:00
Accession:  0001751783-26-000002
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1751783/000175178326000002/0001751783-26-000002-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1751783/000175178326000002/rbkb-20260129x8k.htm
  HTML page:      https://secwatch.observer/filing/0001751783-26-000002

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