For the quarter ending 2025-09-30, RBKB has $1,316,009K in assets. $1,183,005K in debts.
| Balance Sheets | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Cash and due from banks | 14,362 | 21,627 | ||
| Federal funds sold | 87,185 | 65,544 | ||
| Interest bearing depository accounts | 1,918 | 2,451 | ||
| Total cash and cash equivalents | 103,465 | 89,622 | ||
| Available for sale securities (at fair value) | 148,920 | 141,340 | ||
| Total gross loans | 981,828 | - | ||
| Net deferred loan costs | 4,002 | - | ||
| Allowance for credit losses | 8,196 | - | ||
| Loans receivable (net of allowance for credit losses of 8,196 and 8,539, respectively) | 977,634 | 960,803 | ||
| Federal home loan bank stock | 2,023 | 2,023 | ||
| Accrued interest receivable | 4,857 | 4,502 | ||
| Cash surrender value of life insurance | 30,796 | 30,575 | ||
| Deferred tax assets (net of valuation allowance of 928 and 1,336, respectively) | 5,769 | 6,626 | ||
| Premises and equipment, net | 13,750 | 13,781 | ||
| Goodwill | 2,235 | 2,235 | ||
| Intangible assets, net | 113 | 129 | ||
| Other assets | 26,447 | 22,613 | ||
| Total assets | 1,316,009 | 1,274,249 | ||
| Non-interest bearing | 252,684 | 239,486 | ||
| Now | 113,718 | - | ||
| Savings | 129,331 | - | ||
| Money market | 238,711 | - | ||
| Time certificates of deposit | 381,384 | - | ||
| Interest bearing | 863,144 | 831,322 | ||
| Total deposits | 1,115,828 | 1,070,808 | ||
| Mortgagors' escrow accounts | 4,084 | 12,749 | ||
| Advances from the federal home loan bank | 26,603 | 26,603 | ||
| Subordinated debt | 5,155 | 5,155 | ||
| Accrued expenses and other liabilities | 31,335 | 29,977 | ||
| Total liabilities | 1,183,005 | 1,145,292 | ||
| Common stock (par value 0.01 authorized 25,000,000 issued and outstanding 11,145,681 at september 30, 2025 and 11,094,828 at december 31, 2024) | 112 | 111 | ||
| Additional paid-in capital | 45,799 | 45,909 | ||
| Unearned common stock held by the employee stock ownership plan | 2,891 | 2,946 | ||
| Retained earnings | 99,475 | 96,780 | ||
| Net unrealized loss on available for sale securities, net of taxes | -6,892 | -7,883 | ||
| Defined benefit pension plan, net of taxes | 2,599 | 3,014 | ||
| Total accumulated other comprehensive loss | -9,491 | -10,897 | ||
| Total stockholders' equity | 133,004 | 128,957 | ||
| Total liabilities and stockholders' equity | 1,316,009 | 1,274,249 | ||
Rhinebeck Bancorp, Inc. (RBKB)
Rhinebeck Bancorp, Inc. (RBKB)