8-K current report · filed Jul 21, 2026

Rhinebeck Bancorp, Inc. (RBKB) 8-K Current Report: July 21, 2026

Item 8.01Item EX-99.1RBKB overview

Short answer

Rhinebeck Bancorp, Inc. (RBKB) filed an 8-K current report with the SEC on July 21, 2026 reporting Item 8.01 (Other Events), Item EX-99.1 (Exhibit EX-99.1). Second-step conversion completed, eliminating Rhinebeck Bancorp, MHC’s mutual holding company structure.

Rhinebeck Bancorp, Inc. 8-K event analysis

AI summary of each reported item and its exhibits

Item 8.01 · Other Events

  • Second-step conversion completed, eliminating Rhinebeck Bancorp, MHC’s mutual holding company structure
  • Rhinebeck Bank reorganized into a fully public stock holding company structure
  • Related stock offering closed, increasing publicly held equity and potentially improving capital flexibility
  • Exhibit 99.1 contains offering and transaction details relevant to dilution and capitalization analysis

Item EX-99.1 · Exhibit EX-99.1

  • Second-step conversion completed, eliminating Rhinebeck Bancorp, MHC and creating a fully public stock holding company
  • Offering raised $88.8 million through 8,880,210 shares priced at $10.00 each
  • Existing public shares exchanged at a 1.3978 ratio, resulting in 15,638,237 shares outstanding before fractional-share adjustments
  • Expanded public float and capital base may support Rhinebeck Bank’s growth, while increasing post-conversion share supply
  • Trading delays for newly issued shares identified as a risk to near-term liquidity and price discovery

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