RBKB Rhinebeck Bancorp, Inc.

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business: community bank focused on loans, deposits, and wealth management services
• • New emphasis: technology investments including AI and machine learning to improve product offerings and operational efficiency
• • Strategic shift: expansion of market area and digital offerings despite short-term rise in expenses, efficiency ratio improved to 73.12% from 82.34%
• • Quantitative metric: wealth management assets under management reached $243.0 million as of December 31, 2025
• • Noteworthy risk: increased cybersecurity threats and AI-related operational risks amid remote work and third-party technology use

Risk Factors

• • Commercial real estate and business loans $626.3M, 65.4% of portfolio, exposed to regional economic downturns and borrower concentration risk
• • Collateral illiquidity risk due to fewer buyers of commercial real estate, extending holding periods after foreclosure
• • Declining occupancy and property values from shifting consumer work and living preferences impacting loan recoveries
• • Large loan balances to single or related borrowers increasing loss severity on credit deterioration
• • Potential significant credit loss provisions and charge-offs from impaired commercial real estate collateral

Management Discussion & Analysis

• • Revenue: Net interest income $46.4M, up $8.7M YoY; Non-interest income $7.0M vs loss $(9.0)M in prior year
• • Profitability: Net income $10.0M vs net loss $(8.6)M; Net interest margin 3.89% vs 3.17%; Efficiency ratio 73.12% vs 82.34%
• • Best segment: Commercial real estate loans +$52.1M (10.8% increase); Worst segment: Indirect automobile loans -$81.9M (27.7% decrease)
• • Capital: Stockholders’ equity up $15.0M to $136.9M; Deposits up $76.6M (7.5%) to $1.10B; FHLB advances down $44.6M; No mention of buybacks/dividends
• • Outlook: Focus on commercial lending growth, expanding core deposits, investing in technology, private banking services, cautious credit risk management, potential acquisitions

What are the latest RBKB SEC filings in 2026?

Rhinebeck Bancorp, Inc. (RBKB) has filed a 10-K annual report on March 13, 2026, a 10-Q quarterly report on May 14, 2026, an 8-K current report on July 23, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did RBKB file its most recent 10-K annual report?

Rhinebeck Bancorp, Inc. (RBKB) filed its most recent 10-K annual report on March 13, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view RBKB 10-Q quarterly reports?

Rhinebeck Bancorp, Inc. (RBKB)'s most recent 10-Q quarterly report was filed on May 14, 2026. SignalX displays every RBKB 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has RBKB filed recently?

Rhinebeck Bancorp, Inc. (RBKB)'s most recent 8-K was filed on July 23, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find RBKB insider trading activity (Form 4)?

SignalX aggregates every RBKB Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does RBKB file with the SEC?

Rhinebeck Bancorp, Inc. (RBKB) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new RBKB filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for Rhinebeck Bancorp, Inc. (RBKB).

What is RBKB's SEC CIK number?

Rhinebeck Bancorp, Inc. (RBKB)'s SEC CIK (Central Index Key) number is 1751783. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1751783 to look up all RBKB filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find RBKB return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from Rhinebeck Bancorp, Inc. (RBKB) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.