Rhinebeck Bancorp, Inc. (RBKB) Q3 2025 10-Q Quarterly Report

Filed: Nov 13, 2025Period ending Sep 30, 2025

Financials

Savings Institutions, Not Federally CharteredSEC EDGAR

Rhinebeck Bancorp, Inc. (RBKB) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Nov 13, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.

Rhinebeck Bancorp, Inc. Q3 2025 10-Q Analysis

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

Rhinebeck Bancorp, Inc. Q3 2025 Quarterly Financials
XBRL

Revenue

$739,000

▼ -4.4% YoY▲ +1.5% QoQ

Net Income

$3M

▲ +133.4% YoY▼ -1.1% QoQ

Net Margin

364.7%

▲ +140763bp YoY▼ -977bp QoQ

ROE

2.0%

Total Assets

$1.3B

EPS (Diluted)

$0.24

▲ +132.4% YoY▼ -4.0% QoQ

Operating Cash Flow

$2M

▲ +162.4% YoY▼ -8.2% QoQ

Source: XBRL data from Rhinebeck Bancorp, Inc. Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.

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