---
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"
generated_at: "2026-05-15T04:35:42.108799+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001751783-26-000015
- JSON: https://secwatch.observer/filing/0001751783-26-000015.json
- Plain text: https://secwatch.observer/filing/0001751783-26-000015.txt

## Key facts
- Earnings Releases
  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
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1751783/000175178326000015/0001751783-26-000015-index.htm

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