Rhinebeck Bancorp, Inc. (RBKB)
Rhinebeck Bancorp, Inc. (RBKB)
| Balance Sheets | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Cash and due from banks | 17,593 | 16,918 | 14,362 | 21,627 |
| Federal funds sold | 92,125 | 83,157 | 87,185 | 65,544 |
| Interest-bearing depository accounts | 3,186 | 1,911 | 1,918 | 2,451 |
| Total cash and cash equivalents | 112,904 | 101,986 | 103,465 | 89,622 |
| Available-for-sale securities (at fair value) | 156,160 | 162,203 | 148,920 | 141,340 |
| Total gross loans | 941,378 | 958,165 | 981,828 | NaN |
| Net deferred loan costs | 3,261 | 3,573 | 4,002 | NaN |
| Allowance for credit losses | 7,888 | 8,353 | 8,196 | NaN |
| Loans receivable (net of allowance for credit losses of 7,888 and 8,353, respectively) | 936,751 | 953,385 | 977,634 | 960,803 |
| Federal home loan bank stock | 1,057 | 1,957 | 2,023 | 2,023 |
| Accrued interest receivable | 4,708 | 4,882 | 4,857 | 4,502 |
| Cash surrender value of life insurance | 31,193 | 30,996 | 30,796 | 30,575 |
| Deferred tax assets (net of valuation allowance of 667 and 809, respectively) | 4,551 | 4,941 | 5,769 | 6,626 |
| Premises and equipment, net | 13,480 | 13,621 | 13,750 | 13,781 |
| Goodwill | 2,235 | 2,235 | 2,235 | 2,235 |
| Intangible assets, net | 99 | 106 | 113 | 129 |
| Other assets | 21,729 | 25,454 | 26,447 | 22,613 |
| Total assets | 1,284,867 | 1,301,766 | 1,316,009 | 1,274,249 |
| Non-interest bearing | 225,671 | 227,272 | 252,684 | 239,486 |
| Now | 129,185 | 123,576 | 113,718 | NaN |
| Savings | 131,042 | 127,219 | 129,331 | NaN |
| Money market | 234,650 | 242,333 | 238,711 | NaN |
| Time certificates of deposit | 382,944 | 376,940 | 381,384 | NaN |
| Interest bearing | 877,821 | 870,068 | 863,144 | 831,322 |
| Total deposits | 1,103,492 | 1,097,340 | 1,115,828 | 1,070,808 |
| Mortgagors' escrow accounts | 7,890 | 9,399 | 4,084 | 12,749 |
| Advances from the federal home loan bank | 5,153 | 25,153 | 26,603 | 26,603 |
| Subordinated debt | 5,155 | 5,155 | 5,155 | 5,155 |
| Accrued expenses and other liabilities | 24,535 | 27,867 | 31,335 | 29,977 |
| Total liabilities | 1,146,225 | 1,164,914 | 1,183,005 | 1,145,292 |
| Common stock (par value 0.01 authorized 25,000,000 issued and outstanding 11,152,973 and 11,141,033 at march 31, 2026 and december 31, 2025, respectively) | 112 | 112 | 112 | 111 |
| Additional paid-in capital | 45,679 | 45,710 | 45,799 | 45,909 |
| Unearned common stock held by the employee stock ownership plan | 2,782 | 2,837 | 2,891 | 2,946 |
| Retained earnings | 103,963 | 101,797 | 99,475 | 96,780 |
| Net unrealized loss on available-for-sale securities, net of taxes | -6,655 | -6,255 | -6,892 | -7,883 |
| Defined benefit pension plan, net of taxes | 1,675 | 1,675 | 2,599 | 3,014 |
| Total accumulated other comprehensive loss | -8,330 | -7,930 | -9,491 | -10,897 |
| Total stockholders' equity | 138,642 | 136,852 | 133,004 | 128,957 |
| Total liabilities and stockholders' equity | 1,284,867 | 1,301,766 | 1,316,009 | 1,274,249 |