{"schema_version":"secwatch.filing_event.v1","accession":"0001751783-26-000035","form_type":"8-K","ticker":"RBKB","cik":"0001751783","company_name":"Rhinebeck Bancorp, Inc.","filed_at":"2026-07-23T20:35:51+00:00","discovered_at":"2026-07-23T20:37:01.294888+00:00","generated_at":"2026-07-23T20:37:13.663697+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Rhinebeck Bancorp Q2 net income $2.6M, down 4% YoY; completes $88.8M second-step conversion","bullets":["Net income of $2.6M ($0.24 diluted EPS) for Q2 2026, down 4.0% from $2.7M ($0.25) in Q2 2025.","Completed second-step conversion on July 21, 2026, raising $88.8M gross from sale of 8.88M shares at $10.00.","Net interest income rose 1.2% to $11.6M; non-interest income up 8.8% to $1.7M.","Past-due loans fell 34.6% from year-end to 1.03% of total loans; non-performing assets down 8.4% to $3.4M.","Total assets increased 12.9% to $1.47B, largely from stock subscription funds; deposits up 16.9% including subscriptions."],"urls":{"canonical":"https://secwatch.observer/filing/0001751783-26-000035","json":"https://secwatch.observer/filing/0001751783-26-000035.json","markdown":"https://secwatch.observer/filing/0001751783-26-000035.md","text":"https://secwatch.observer/filing/0001751783-26-000035.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1751783/000175178326000035/0001751783-26-000035-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1751783/000175178326000035/rbkb-20260723x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T20:37:13.663697+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}