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 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.

• 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.

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