{"schema_version":"secwatch.filing_event.v1","accession":"0001751783-26-000015","form_type":"8-K","ticker":"RBKB","cik":"0001751783","company_name":"Rhinebeck Bancorp, Inc.","filed_at":"2026-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.852835+00:00","generated_at":"2026-05-15T04:35:42.108799+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Rhinebeck Bancorp Q1 net income down 3.1% to $2.2M; net interest margin 3.77%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001751783-26-000015","json":"https://secwatch.observer/filing/0001751783-26-000015.json","markdown":"https://secwatch.observer/filing/0001751783-26-000015.md","text":"https://secwatch.observer/filing/0001751783-26-000015.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1751783/000175178326000015/0001751783-26-000015-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1751783/000175178326000015/rbkb-20260423x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:35:42.108799+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":[{"claim_id":"c487fbec1305e89f8857a74c37cb20af575d6aa5","claim":"Rhinebeck Bancorp, Inc. reported the quarter ended March 31, 2026 results: net income $2.2 million ($0.20 per basic and diluted share).","evidence_excerpt":"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","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1751783/000175178326000015/0001751783-26-000015-index.htm","confidence":0.88,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2026"},{"label":"Net income","value":"$2.2 million ($0.20 per basic and diluted share)"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}