Short answer
Rhinebeck Bancorp, Inc. (RBKB) filed an 8-K current report with the SEC on July 23, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item EX-99.1 (Exhibit EX-99.1). Fiscal Q2 2026 results announced by Rhinebeck Bancorp.
Rhinebeck Bancorp, Inc. 8-K event analysis
AI summary of each reported item and its exhibits
Item 2.02 · Results of Operations and Financial Condition
- Fiscal Q2 2026 results announced by Rhinebeck Bancorp
- Detailed financial results and management commentary available in Exhibit 99.1
- Investors should review Exhibit 99.1 for earnings, balance-sheet, and operating trends
Item EX-99.1 · Exhibit EX-99.1
- Q2 net income $2.6M, down 4.0%; diluted EPS $0.24 versus $0.25 year over year
- Net interest income rose 1.2% to $11.6M, but margin narrowed to 3.78% from 3.97%
- Past-due loans fell 34.6% to $9.5M, while non-performing assets declined to $3.4M
- Second-step conversion raised $88.8M gross, increasing post-transaction shares outstanding to 15,638,237
- Capital strengthened materially, but immediate returns weakened with ROA 0.79% and ROE 7.56%
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