RBKB Rhinebeck Bancorp, Inc.

CIK 0001751783 43 ready 8-Ks latest July 17, 2026, 2:13 PM ET RSS · JSON

Activity: NORMAL 2 filings / 30d vs 1 baseline

Ready 8-Ks 43

Latest filing July 17, 2026, 2:13 PM ET

Top materiality 0.80

Event mix earnings ×20 · other_material ×10 · leadership ×8

Sentiment 13 pos · 13 neg · 17 neu

Latest earnings reported 2026-Q1

Executive change recent →

Recent 8-K filings for RBKB

Highest-materiality recent filing

Rhinebeck Bancorp posts Q4 net loss $2.7M, full-year net loss $8.6M from securities restructuring

January 30, 2025, 6:59 PM ET earnings materiality 0.80 negative item 2.02 item 9.01

Diluted loss per share $0.25 in Q4 2024 vs EPS $0.09 in Q4 2023; annual loss per share $0.80 vs $0.40.
Q4 and full-year results include $4.0M and $16.0M loss on sale of securities from balance sheet restructuring.

Read filing →

July 17, 2026, 2:13 PM ET other material materiality 0.65 neutral item 8.01 item 9.01

Rhinebeck Bancorp subscription offering oversubscribed; conversion closes July 21

Subscription offering oversubscribed in first tier by eligible depositors; no other priority group will have orders filled.
June 29, 2026, 4:38 PM ET other material materiality 0.60 positive item 5.07 item 8.01 item 9.01

Rhinebeck Bancorp stockholders and depositors approve conversion to stock holding company structure

Approvals at special meetings June 29, 2026; plan to convert from mutual to fully public stock holding company structure.
May 26, 2026, 2:47 PM ET other material materiality 0.60 neutral item 8.01 item 9.01

Rhinebeck Bancorp launches up to 8.9M share offering at $10 for mutual-to-stock conversion

Offering up to 8,912,500 shares at $10.00 each; minimum 6,587,500 shares must be sold to complete conversion.
May 19, 2026, 4:04 PM ET other materiality 0.15 neutral item 5.07

Rhinebeck Bancorp shareholders reelect four directors, ratify auditor at annual meeting

William C. Irwin elected to two-year term (9,080,423 For; 609,873 Withhold); Howell, McGinnis, J. Smith elected to three-year terms.
May 14, 2026, 5:16 PM ET other material materiality 0.60 neutral item 1.01 item 9.01 ◈ Material Agreements

Rhinebeck Bancorp hires KBW to market common stock in offering; fees disclosed

KBW will receive $50k management fee (paid) and success fee of 1.0% of subscription offering, 1.5% of community offering proceeds.
April 23, 2026, 7:59 PM ET earnings materiality 0.65 negative item 2.02 item 9.01 ◈ Earnings Releases

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

Net income $2.2M ($0.20 EPS) vs $2.3M ($0.21 EPS) YoY; ROAA 0.70%, ROAE 6.50%.
February 10, 2026, 6:59 PM ET other material materiality 0.65 neutral item 8.01 item 9.01

Rhinebeck Bancorp adopts second-step conversion; MHC to merge into Company, stock offering planned

MHC currently owns ~57% of RBKB shares and will cease to exist upon completion.
January 29, 2026, 6:59 PM ET earnings materiality 0.70 positive item 2.02 item 9.01

Rhinebeck Bancorp reports full-year 2025 net income of $10.0M, a turnaround from $8.6M loss in 2024

Q4 2025 net income $2.3M ($0.21 EPS) vs. Q4 2024 net loss of $2.7M ($0.25 loss per share).
October 28, 2025, 7:59 PM ET earnings materiality 0.65 positive item 2.02 item 9.01

Rhinebeck Bancorp returns to profitability with Q3 net income of $2.7M, EPS $0.25

Net income $2.7M vs loss $8.1M in Q3 2024; EPS $0.25 vs diluted loss $0.75.
October 21, 2025, 7:59 PM ET leadership materiality 0.20 neutral item 5.02 item 8.01

Director Suzane Loughlin to resign from Rhinebeck Bancorp boards effective Dec 17, 2025; board size reduced

Suzane Loughlin resigned from the boards of Rhinebeck Bancorp MHC and the Company, effective December 17, 2025.
September 16, 2025, 7:59 PM ET leadership materiality 0.50 neutral item 5.02 item 8.01 item 9.01

Rhinebeck Bancorp appoints Matthew J. Smith as CEO effective Oct 20, 2025

Smith appointed President and CEO of Rhinebeck Bancorp, Rhinebeck Bank, and MHC; replaces retiring Michael J. Quinn.
August 7, 2025, 7:59 PM ET other material materiality 0.35 positive item 8.01

Rhinebeck Bancorp authorizes repurchase of up to 540,000 shares (5% of outstanding)

New stock repurchase plan authorizes up to 540,000 shares (~5% of outstanding common stock).
July 24, 2025, 7:59 PM ET earnings materiality 0.65 positive item 2.02 item 9.01

Rhinebeck Bancorp Q2 net income $2.7M (EPS $0.25), up 179.6% YoY; NIM 3.97%, NPAs down 30%

Net income $2.7M ($0.25 basic) vs $975K ($0.09) in Q2 2024; six months net income $5.0M ($0.47 basic), up 139.2% YoY.
May 21, 2025, 7:59 PM ET other materiality 0.30 neutral item 5.02 item 5.07 item 9.01

Rhinebeck Bancorp shareholders approve 2025 equity plan, elect three directors

Directors Garcia, Loughlin, and Beeler elected with >91% of votes cast.
April 24, 2025, 7:59 PM ET earnings materiality 0.75 positive item 2.02 item 9.01

Rhinebeck Bancorp Q1 net income doubles to $2.3M, EPS $0.21

Net income $2.3M ($0.21 per share) vs $1.1M ($0.10) in Q1 2024, up 104%.
April 15, 2025, 7:59 PM ET leadership materiality 0.30 neutral item 5.02 item 8.01 item 9.01 ◈ executive_change ×2

Rhinebeck Bancorp appoints McGinnis and Patzwahl to board of directors

Sharon A. McGinnis (Chief HR Officer, Central Hudson) and Nancy K. Patzwahl (CPA, UHY Advisors) joined the board effective April 15, 2025.
March 21, 2025, 7:59 PM ET leadership materiality 0.65 neutral item 5.02 item 9.01 ◈ executive_change

Rhinebeck Bancorp CEO Michael J. Quinn to retire after 40 years; board initiates search

Michael J. Quinn to retire after 40-year career with Rhinebeck Bank, including 20 years as CEO.
January 30, 2025, 6:59 PM ET earnings materiality 0.80 negative item 2.02 item 9.01

Rhinebeck Bancorp posts Q4 net loss $2.7M, full-year net loss $8.6M from securities restructuring

Diluted loss per share $0.25 in Q4 2024 vs EPS $0.09 in Q4 2023; annual loss per share $0.80 vs $0.40.
December 26, 2024, 6:59 PM ET other material materiality 0.65 positive item 2.02 item 9.01

Rhinebeck Bancorp sells $21M more securities, takes $4.1M loss; expects $0.04 EPS gain

Sold additional $21M of available-for-sale securities in December 2024, following $71M in September.
October 24, 2024, 7:59 PM ET earnings materiality 0.80 negative item 2.02 item 9.01

Rhinebeck Bancorp Q3 net loss $8.1M on $12M securities restructuring loss

Net loss of $8.1M ($0.75 loss per share) vs net income of $1.2M ($0.11 EPS) in Q3 2023.
September 27, 2024, 7:59 PM ET other material materiality 0.75 positive item 2.02 item 9.01

Rhinebeck Bancorp sells $71M low-yield securities, records $12M loss to boost future earnings

Sold $71M of available-for-sale securities yielding 1.11%; reinvested into securities yielding 4.22% (spread +3.11%).
September 20, 2024, 7:59 PM ET leadership materiality 0.50 neutral item 5.02 ◈ executive_change ×2

Rhinebeck Bancorp non-renews CEO and COO contracts; terms expire Dec 31, 2026

Board provided notice of non-renewal to Michael J. Quinn (President & CEO) and Jamie J. Bloom (EVP, COO & Chief Banking Officer).
July 25, 2024, 7:59 PM ET earnings materiality 0.65 negative item 2.02 item 9.01

Rhinebeck Bancorp Q2 net income falls 31.9% to $975K; EPS $0.09

Q2 2024 net income $975K ($0.09 diluted EPS), down from $1.4M ($0.13) in Q2 2023.
June 25, 2024, 7:59 PM ET leadership materiality 0.50 neutral item 5.02 item 9.01 ◈ executive_change ×2

Rhinebeck Bancorp appoints Kevin Nihill as CFO, effective July 8, 2024

Kevin Nihill appointed CFO and Treasurer; succeeds Michael J. McDermott (retired) and interim Philip Lekanides.
May 21, 2024, 7:59 PM ET other materiality 0.08 neutral item 5.07

Rhinebeck Bancorp stockholders elect directors and ratify auditor at May 21, 2024 annual meeting

Frederick L. Battenfeld elected for 1-year term: 8,861,230 For, 301,621 Withhold, 983,567 Broker Non-Votes.
April 25, 2024, 7:59 PM ET earnings materiality 0.55 positive item 2.02 item 9.01 ◈ Earnings Releases

Rhinebeck Bancorp Q1 net income $1.1M ($0.10 EPS), up 40.5% YoY; tangible book value $10.10 per share

Net income $1.1M ($0.10 per share) vs $798K ($0.07) in Q1 2023, up 40.5%.
April 19, 2024, 7:59 PM ET leadership materiality 0.60 neutral item 5.02 ◈ executive_change ×2

CFO Michael J. McDermott to retire May 31; Phillip Lekanides named interim CFO

CFO Michael J. McDermott will retire effective May 31, 2024.
January 31, 2024, 6:59 PM ET leadership materiality 0.60 negative item 5.02 ◈ executive_change

Rhinebeck Bancorp CFO Michael J. McDermott to retire effective May 31, 2024

CFO Michael J. McDermott retiring after 23 years, effective May 31, 2024.
January 25, 2024, 6:59 PM ET earnings materiality 0.65 negative item 2.02 item 9.01 ◈ Earnings Releases

Rhinebeck Bancorp Q4 net income up 15% YoY to $930k; full year profit down 37% to $4.4M

Q4 net income $930k ($0.09 EPS) vs $808k prior year; FY net income $4.4M ($0.41 EPS) vs $7.0M prior year.
October 26, 2023, 7:59 PM ET earnings materiality 0.75 negative item 2.02 item 9.01 ◈ Earnings Releases ×2

Rhinebeck Q3 net income falls 41% to $1.2M on higher provision, lower NII

Net income $1.2M ($0.12 basic, $0.11 diluted), down 41.3% from Q3 2022.
July 27, 2023, 7:59 PM ET earnings materiality 0.70 negative item 2.02 item 9.01 ◈ Earnings Releases ×2

Rhinebeck Bancorp Q2 net income down 29.5% to $1.4M; deposits decline 4.6%

Net income $1.4M ($0.13 per share) for Q2 2023, down 29.5% vs Q2 2022; H1 net income $2.2M, down 45.4%.
May 23, 2023, 7:59 PM ET other material materiality 0.10 neutral item 5.07 ◈ Shareholder Votes ×2

Rhinebeck Bancorp shareholders elect three directors, ratify auditor at annual meeting

Steven E. Howell re-elected with 9,050,563 votes for, 488,136 withheld, 857,146 broker non-votes.
April 27, 2023, 7:59 PM ET earnings materiality 0.65 negative item 2.02 item 9.01 ◈ Earnings Releases

Rhinebeck Bancorp Q1 net income $798K, down 61% YoY on higher loan loss provision

Net income fell to $798K ($0.07 EPS) from $2.1M ($0.20 EPS) in Q1 2022; net interest income dipped 2.5% to $9.9M.
January 26, 2023, 6:59 PM ET earnings materiality 0.78 negative item 2.02 item 9.01 ◈ Earnings Releases

Rhinebeck Bancorp Q4 net income down 73% YoY, FY net income down 39.5%; provision expense surges

Q4 net income $808K ($0.07/diluted) vs $2.98M in Q4 2021; FY net income $7.0M ($0.64 diluted) vs $11.6M.
October 27, 2022, 7:59 PM ET earnings materiality 0.70 negative item 2.02 item 9.01 ◈ Earnings Releases

Rhinebeck Bancorp Q3 net income down 21.5% to $2.1M, provision expense rises

Net income $2.1M ($0.19/share) vs $2.7M prior year; net interest income up 10.3% to $11.1M.
October 6, 2022, 7:59 PM ET regulatory materiality 0.55 neutral item 8.01 item 9.01

Rhinebeck Bancorp settles with NY DFS over dealer markup claims; no further earnings impact

Bank settled with NYS DFS over claims of statistical differences in dealer markup on indirect auto loans.
September 15, 2022, 7:59 PM ET other material materiality 0.55 positive item 8.01 item 9.01

Rhinebeck Bancorp authorizes repurchase of up to 247,506 shares (~5% of outstanding)

Repurchase authorization of up to 247,506 shares, approximately 5% of outstanding common stock (excluding MHC shares).
July 28, 2022, 7:59 PM ET earnings materiality 0.65 negative item 2.02 item 9.01

Rhinebeck Bancorp Q2 net income $2.0M ($0.19/sh), down 21% YoY; loan growth +8.4%

Net income $2.0M ($0.19 basic EPS) vs $2.5M ($0.23) in Q2 2021, down $536K (20.9%).
May 24, 2022, 7:59 PM ET other materiality 0.10 neutral item 5.07

Rhinebeck Bancorp elects three directors and ratifies auditor at annual meeting

Freddimir Garcia, Suzanne Rhulen Loughlin, and Donald Beeler elected as directors with >9M votes each; broker non-votes 940,557.
April 28, 2022, 7:59 PM ET earnings materiality 0.65 negative item 2.02 item 9.01

Rhinebeck Bancorp Q1 net income down 38% to $2.1M; EPS $0.19 vs $0.31

Net income $2.1M ($0.19 per share) vs $3.3M ($0.31 per share) in Q1 2021, a decrease of 38%.
January 27, 2022, 6:59 PM ET earnings materiality 0.70 positive item 2.02 item 9.01

Rhinebeck Bancorp Q4 net income $3.0M; FY2021 record $11.6M, up 95%

Net income Q4 2021 $3.0M ($0.28 basic EPS) vs $2.3M in Q4 2020, up 27.4%.
October 28, 2021, 7:59 PM ET earnings materiality 0.75 positive item 2.02 item 9.01

Rhinebeck Bancorp Q3 net income $2.7M, up 134% YoY; credit to loan loss provision drives results

Net income $2.7M ($0.25/share) in Q3 2021, up 133.5% from $1.2M in Q3 2020; nine-month net income $8.6M, up 139.9%.
July 29, 2021, 7:59 PM ET earnings materiality 0.70 positive item 2.02 item 9.01

Rhinebeck Bancorp reports Q2 net income $2.6M, up 90% YoY; provision credit of $1.1M

Net income Q2 2021 $2.6M ($0.24 diluted) vs $1.4M a year ago; H1 net income $5.9M ($0.54 diluted), up 143%.