Recent 8-K filings for RBKB

• July 17, 2026, 2:13 PM ET other material materiality 0.65 neutral item 8.01item 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 5.07item 8.01item 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 8.01item 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 14, 2026, 5:16 PM ET other material materiality 0.60 neutral item 1.01item 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 2.02item 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.

• 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.

• 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%.

• 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%).

• 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.

• 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 2.02item 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 2.02item 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 2.02item 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%.

• April 27, 2023, 7:59 PM ET earnings materiality 0.65 negative item 2.02item 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 2.02item 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 2.02item 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.

• July 28, 2022, 7:59 PM ET earnings materiality 0.65 negative item 2.02item 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%).

• April 28, 2022, 7:59 PM ET earnings materiality 0.65 negative item 2.02item 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 2.02item 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 2.02item 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 2.02item 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%.

Executive changes

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.80 · Median 0.65 · Most common event earnings

13 positive 13 negative 17 neutral

source · RBKB on sec.gov