---
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"
generated_at: "2026-07-23T20:37:13.663697+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Rhinebeck Bancorp Q2 net income $2.6M, down 4% YoY; completes $88.8M second-step conversion

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001751783-26-000035
- JSON: https://secwatch.observer/filing/0001751783-26-000035.json
- Plain text: https://secwatch.observer/filing/0001751783-26-000035.txt

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