RBKB at a glance
Rhinebeck Bancorp, Inc. (RBKB, SEC CIK 1751783) filed its latest 10-K annual report on March 13, 2026, a 10-Q quarterly report on August 13, 2026, an 8-K current report on October 6, 2026 and Form 4 insider filings as recently as August 6, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Rhinebeck Bancorp, Inc. (RBKB) reported revenue of $3.0 million (down 0.6% from FY2024) and net income of $10.0 million. Diluted EPS was $0.92.
- As of June 30, 2026, 13 institutional investment managers tracked by SignalX reported holding Rhinebeck Bancorp, Inc. (RBKB) shares worth $16.2 million in 13F-HR filings.
- The most recent insider open-market purchase reported on Form 4 was by Vitale Michael on August 6, 2026 of 4,834 shares at $12.35 per share.
- In the last 90 days, RBKB insiders reported 7 open-market purchases ($716K) and 0 open-market sales ($0) on Form 4, a net purchase of $716K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $3.0M
- −0.6% vs prior year
- Insiders · 90 days
- 7 buys · 0 sells
- Net +$716K
- 13F holders
- 13 funds
- $16.2M · +1 vs prior quarter
- Latest 8-K
- Aug 18, 2026
- Item 5.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
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
AI summary of the RBKB 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Risk Factors
- No material risk-factor changes since May 22, 2026 prospectus
- Unknown or currently immaterial risks could adversely affect business, financial condition, or results
- Conversion-related compliance restriction: share repurchases prohibited for one year after July 21, 2026 second-step conversion
- Repurchase-plan execution risk: 463,457 shares remained available as of June 30, 2026
AI summary of the RBKB 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Suzanne Rhulen Loughlin appointed Rhinebeck Bancorp director effective August 18, 2026
- Added to Compensation and Governance and Nominating committees
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Rhinebeck Bank terminated its executive long-term incentive and retention plan effective May 19, 2026
- Jamie Bloom and Kevin Nihill were the only named executive officers participating
AI summaries of RBKB 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for RBKB
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Vitale Michael | Buy | Aug 6, 2026 | 4,834 | $12.35 |
| Loughlin Suzanne | Buy | Jul 22, 2026 | 12,000 | $11.93 |
| Patzwahl Nancy Koskey | Buy | Jul 22, 2026 | 25,000 | $11.94 |
| Smith Matthew James | Buy | Jul 22, 2026 | 10,125 | $12.00 |
| Loughlin Suzanne | Buy | Jul 22, 2026 | 500 | $11.92 |
| Smith Matthew James | Buy | Jul 22, 2026 | 2,300 | $11.99 |
| Vitale Michael | Buy | Jul 22, 2026 | 5,000 | $11.94 |
| Bloom Jamie J. | A | Jul 21, 2026 | 1,000 | $10.00 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $2.9M | $3.0M | $3.0M |
| Net Income | $4.4M | -$8.6M | $10.0M |
| Net Margin | 152.6% | -287.1% | 336.6% |
| Balance Sheet | |||
| Total Assets | - | $1.3B | $1.3B |
| Equity | $113.7M | $121.8M | $136.9M |
| ROE | 3.9% | -7.1% | 7.3% |
| Per Share | |||
| EPS | $0.40 | $-0.80 | $0.92 |
| Cash Flow | |||
| Operating CF | $7.0M | $8.5M | $11.7M |
| CapEx | $578K | $791K | $850K |
Source: XBRL data in Rhinebeck Bancorp, Inc. (RBKB)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate RBKB share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 13 | $16.2M |
| Q1 2026 | 12 | $7.8M |
| Q4 2025 | 12 | $6.2M |
| Q3 2025 | 13 | $5.8M |
| Q2 2025 | 12 | $6.0M |
| Q1 2025 | 4 | $2.6M |
| Q4 2024 | 2 | $2.6M |
| Q3 2024 | 1 | $168,000 |
- Vanguard Capital Management LLC+287.4K (+156%)
- BlackRock+88.8K (+53%)
- Renaissance Technologies LLC+19.0K (+78%)
- Vanguard Portfolio Management LLC+5.8K (+23%)
- Northern Trust+5.8K (+19%)
- Morgan Stanley−1.6K (-20%)
- BNY Mellon+14.2K
Source: 13F-HR filings on SEC EDGAR (aggregated from 69 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
RBKB filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Oct 6, 2026 | - | - | - |
| 8-K | Aug 18, 2026 | - | Analysis | - |
| 8-K | Aug 14, 2026 | - | Analysis | - |
| 10-Q | Aug 13, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Jul 23, 2026 | - | - | - |
| 4 | Jul 23, 2026 | - | - | - |
| 4 | Jul 23, 2026 | - | - | - |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 4 | Jul 23, 2026 | - | - | - |
| 8-K | Jul 21, 2026 | - | Analysis | - |
| 4 | Jul 21, 2026 | - | - | - |
| 4 | Jul 21, 2026 | - | - | - |
| 4 | Jul 21, 2026 | - | - | - |
| 4 | Jul 21, 2026 | - | - | - |
| 4 | Jul 21, 2026 | - | - | - |
| 4 | Jul 21, 2026 | - | - | - |
| 4 | Jul 21, 2026 | - | - | - |
| 8-K | Jul 17, 2026 | - | Analysis | - |
| 4 | Jul 10, 2026 | - | - | - |
| 8-K | Jun 29, 2026 | - | Analysis | - |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - |
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RBKB SEC filings: frequently asked questions
Are RBKB insiders buying or selling?
In the last 90 days, Rhinebeck Bancorp, Inc. (RBKB) officers, directors and 10% owners reported 7 open-market purchases worth $716,108 by 4 insiders and no open-market sales on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold RBKB stock?
As of June 30, 2026, the largest Rhinebeck Bancorp, Inc. (RBKB) holders among the 13F filers tracked by SignalX were Vanguard Capital Management LLC ($8.2 million), BlackRock ($4.5 million), Renaissance Technologies LLC ($750,000), Northern Trust ($632,000), State Street Corp ($603,000). 13F-HR reports are filed up to 45 days after each quarter ends.
What was RBKB's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Rhinebeck Bancorp, Inc. (RBKB) reported revenue of $3.0 million (down 0.6% from FY2024) and net income of $10.0 million. Diluted EPS was $0.92. The figures come from the XBRL data in the 10-K.
What are the main risks in RBKB's latest 10-K?
In the 10-K filed March 13, 2026, Rhinebeck Bancorp, Inc. (RBKB) flagged: 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. (AI summary of the Risk Factors section.)
What did RBKB report in its latest 8-K?
Rhinebeck Bancorp, Inc. (RBKB) filed an 8-K on August 18, 2026 reporting Item 5.02 (Departure/Appointment of Directors or Principal Officers). Suzanne Rhulen Loughlin appointed Rhinebeck Bancorp director effective August 18, 2026.
What are the latest RBKB SEC filings?
Rhinebeck Bancorp, Inc. (RBKB) filed its latest 10-K annual report on March 13, 2026, a 10-Q quarterly report on August 13, 2026, an 8-K current report on October 6, 2026 and a Form 4 insider filing on August 6, 2026.
What is RBKB's SEC CIK number?
Rhinebeck Bancorp, Inc. (RBKB)'s SEC Central Index Key (CIK) is 1751783. EDGAR lists every RBKB filing under that number.
Ask anything about RBKB
The research agent reads RBKB's filings, financials, insider trades and 13F holders, then answers with sources.