Rhinebeck Bancorp Q1 net income down 3.1% to $2.2M; net interest margin 3.77%

Rhinebeck Bancorp, Inc.

2026-Q1 EPS reported $0.20 revenue$764,000

Net income $2.2M ($0.20 EPS) vs $2.3M ($0.21 EPS) YoY; ROAA 0.70%, ROAE 6.50%.
Net interest margin 3.77%; provision for credit losses fell 79.9% to $71K.
Non-interest income down 16.3% to $1.5M on lower swap fee income; non-interest expense up 2.4% to $9.7M.
Total assets $1.28B, loans down 1.7%; deposits up 0.6%; non-performing assets $3.5M.
CEO cites solid quarter, pending second step conversion; capital and liquidity robust.

item 2.02 item 9.01

Key facts

Extracted from this filing and checked against the source text.

Earnings Releases SEC 8-K Item 2.02 confidence 0.88

Rhinebeck Bancorp, Inc. reported the quarter ended March 31, 2026 results: net income $2.2 million ($0.20 per basic and diluted share).

Period: the quarter ended March 31, 2026
Net income: $2.2 million ($0.20 per basic and diluted share)
Result: reported results

Exact text from the filing

Rhinebeck Bancorp, Inc. (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported net income for the three months ended March 31, 2026 of $2.2 million ($0.20 per basic and diluted share), which was $72,000, or 3.1%, lower than the comparable prior year period of $2.3 million ($0.21 per basic and diluted share). The decrease

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Source: SEC EDGAR

accession 0001751783-26-000015

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