Recent 8-K filings for RBKB

• May 26, 2026, 2:47 PM ET other material materiality 0.60 neutral item 8.01item 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 1.01item 9.01

  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 2.02item 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 8.01item 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 2.02item 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 2.02item 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 5.02item 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 5.02item 8.01item 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 2.02item 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 5.02item 5.07item 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 2.02item 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 5.02item 8.01item 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 5.02item 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 2.02item 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 2.02item 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 2.02item 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 2.02item 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 2.02item 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 5.02item 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 2.02item 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.

Executive changes

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.80 · Median 0.60 · Most common event earnings

8 positive 4 negative 13 neutral

source · RBKB on sec.gov