For the year ending 2025-12-31, RBKB has $1,301,766K in assets. $1,164,914K in debts.
| Balance Sheets | 2025-12-31 | |||
|---|---|---|---|---|
| Cash and due from banks | 16,918 | |||
| Federal funds sold | 83,157 | |||
| Interest-bearing depository accounts | 1,911 | |||
| Total cash and cash equivalents | 101,986 | |||
| Available-for-sale securities (at fair value) | 162,203 | |||
| Total gross loans | 958,165 | |||
| Net deferred loan costs | 3,573 | |||
| Allowance for credit losses | 8,353 | |||
| Loans receivable (net of allowance for credit losses of 8,353 and 8,539, respectively) | 953,385 | |||
| Federal home loan bank stock | 1,957 | |||
| Accrued interest receivable | 4,882 | |||
| Cash surrender value of life insurance | 30,996 | |||
| Deferred tax assets (net of valuation allowance of 800 and 1,336, respectively) | 4,941 | |||
| Premises and equipment, net | 13,621 | |||
| Goodwill | 2,235 | |||
| Intangible assets, net | 106 | |||
| Other assets | 25,454 | |||
| Total assets | 1,301,766 | |||
| Non-interest bearing | 227,272 | |||
| Now | 123,576 | |||
| Savings | 127,219 | |||
| Money market | 242,333 | |||
| Time certificates of deposit | 376,940 | |||
| Interest bearing | 870,068 | |||
| Total deposits | 1,097,340 | |||
| Mortgagors' escrow accounts | 9,399 | |||
| Advances from the federal home loan bank | 25,153 | |||
| Subordinated debt | 5,155 | |||
| Accrued expenses and other liabilities | 27,867 | |||
| Total liabilities | 1,164,914 | |||
| Common stock (par value 0.01 authorized 25,000,000 issued and outstanding 11,141,033 and 11,094,828 at december 31, 2025 and 2024, respectively) | 112 | |||
| Additional paid-in capital | 45,710 | |||
| Unearned common stock held by the employee stock ownership plan | 2,837 | |||
| Retained earnings | 101,797 | |||
| Net unrealized loss on available-for-sale securities, net of taxes | -6,255 | |||
| Defined benefit pension plan, net of taxes | 1,675 | |||
| Total accumulated other comprehensive loss | -7,930 | |||
| Total stockholders' equity | 136,852 | |||
| Total liabilities and stockholders' equity | 1,301,766 | |||
Rhinebeck Bancorp, Inc. (RBKB)
Rhinebeck Bancorp, Inc. (RBKB)