Short answer
Rhinebeck Bancorp, Inc. (RBKB) filed its Q3 2025 10-Q quarterly report on Nov 13, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $739,000 (down 4.4% year over year) with net income of $3M.
Q3 2025 key financials · XBRL
- Revenue
- $739,000
- −4.4% YoY · +1.5% QoQ
- Net income
- $3M
- +133.4% YoY · −1.1% QoQ
- EPS (diluted)
- $0.24
- +132.4% YoY · −4.0% QoQ
Source: XBRL data from the Rhinebeck Bancorp, Inc. (RBKB) Q3 2025 10-Q on SEC EDGAR. USD.
Rhinebeck Bancorp, Inc. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue details not explicitly given; interest and dividend income increased 11.0% YoY for Q3 to $17.8M, 8.3% for 9 months to $51.2M (compared to 2024)
- Net income Q3 $2.7M vs net loss $8.1M YoY; 9 months net income $7.7M vs net loss $6.0M YoY
- Net interest margin Q3 3.93% vs 3.25% YoY; 9 months 3.90% vs 3.06% YoY; interest rate spread Q3 3.27% vs 2.50% YoY; 9 months 3.25% vs 2.34% YoY
- Best segment: Commercial real estate loans up $62M; worst: indirect automobile loans down $61.6M due to strategic reduction
- Cash and equivalents increased $66M (176%) to $103.5M, driven by $68.9M federal funds sold rise; deposits grew $95M (9.3%) to $1.12B
- Management notes improved earnings, higher yields on loans and securities, lower funding costs; no new guidance but highlights ongoing focus on interest rate risk management
Risk Factors
- No new or changed risk factors since 2024 10-K and March 31, 2025 10-Q
- Credit risk and loan portfolio quality remain significant carried-forward risks
- Compliance risk from evolving banking regulations continues as major regulatory concern
- Market risk related to interest rate fluctuations impacting net interest margin
- Liquidity risk from concentration in limited funding sources remains a key financial risk
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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