Rhinebeck Bancorp 提交 2026 年第一季度（截至 3 月 31 日）10-Q 季度報告

Rhinebeck Bancorp, Inc._March 31, 2026
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United States
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 10-Q

☒   Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
For the Quarterly Period Ended March 31, 2026
or
☐   Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
For the transition period from               to               
Commission File No. 001-38779

Rhinebeck Bancorp, Inc.
(Exact name of registrant as specified in its charter)

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Maryland
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83-2117268

(State or other jurisdiction of
incorporation or organization)
(I.R.S. Employer
Identification Number)

2 Jefferson Plaza, Poughkeepsie, New York
12601

(Address of Principal Executive Offices)
(Zip Code)

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(845) 454-8555
(Registrant’s telephone number)
Securities registered pursuant to Section 12(b) of the Act:
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Title of each class
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Trading Symbol(s)
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Name of each exchange on which registered

Common Stock, par value $0.01 per share
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RBKB
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The NASDAQ Stock Market, LLC

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Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such requirements for the past 90 days.
Yes     ☒    No  ☐
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).
Yes     ☒    No  ☐
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act. (Check one)
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Large accelerated filer  ☐
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Accelerated filer  ☐

Non-accelerated filer   ☒
Smaller reporting company   ☒

 
Emerging growth company   ☐

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If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
Yes     ☐    No   ☒
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As of May 1, 2026, there were 11,169,981 shares of the Registrant’s common stock, par value $0.01 per share, outstanding.
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Table of Contents

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TABLE OF CONTENTS
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PART I. FINANCIAL INFORMATION
1

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Item 1.
Financial Statements (Unaudited)
1

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Consolidated Statements of Financial Condition at March 31, 2026 and December 31, 2025
1

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Consolidated Statements of Income for the Three Months Ended March 31, 2026 and 2025 
2

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Consolidated Statements of Comprehensive Income for the Three Months Ended March 31, 2026 and 2025
3

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Consolidated Statements of Changes in Stockholders’ Equity for the Three Months Ended March 31, 2026 and 2025
4

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Consolidated Statements of Cash Flows for the Three Months Ended March 31, 2026 and 2025
5

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Notes to Consolidated Financial Statements
6

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Item 2.
Management’s Discussion and Analysis of Financial Condition and Results of Operations
37

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Item 3.
Quantitative and Qualitative Disclosures About Market Risk
46

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Item 4.
Controls and Procedures
46

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PART II. OTHER INFORMATION
47

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Item 1.
Legal Proceedings
47

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Item 1A.
Risk Factors
47

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Item 2.
Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchases of Equity Securities 
47

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Item 3.
Defaults Upon Senior Securities
47

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Item 4.
Mine Safety Disclosures
47

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Item 5.
Other Information
48

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Item 6.
Exhibits
48

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SIGNATURES
49

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Table of Contents

PART I — FINANCIAL INFORMATION
ITEM 1.
Rhinebeck Bancorp, Inc. and Subsidiary
Consolidated Statements of Financial Condition (Unaudited)
(In thousands, except share and per share data)
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​
​
March 31, 
​
December 31, 

​
  ​ ​ ​
2026
  ​ ​ ​
2025

Assets
​
​
​
​
​
​

Cash and due from banks
​
$
 17,593
​
$
 15,893

Federal funds sold
​
​
 92,125
​
​
 83,157

Interest-bearing depository accounts
​
​
 3,186
​
​
 2,936

Total cash and cash equivalents
​
​
 112,904
​
​
 101,986

​
​
​
​
​
​
​

Available-for-sale securities (at fair value)
​
 
 156,160
​
 
 162,203

Loans receivable (net of allowance for credit losses of $7,888 and $8,353, respectively)
​
 
 936,751
​
 
 953,385

Federal Home Loan Bank stock
​
 
 1,057
​
 
 1,957

Accrued interest receivable
​
 
 4,708
​
 
 4,882

Cash surrender value of life insurance
​
 
 31,193
​
 
 30,996

Deferred tax assets (net of valuation allowance of $667 and $809, respectively)
​
 
 4,551
​
 
 4,941

Premises and equipment, net
​
 
 13,480
​
 
 13,621

Goodwill
​
 
 2,235
​
 
 2,235

Intangible assets, net
​
 
 99
​
 
 106

Other assets
​
 
 21,729
​
 
 25,454

Total assets
​
$
 1,284,867
​
$
 1,301,766

Liabilities and Stockholders’ Equity
​
 
  ​
​
 
  ​

Liabilities
​
 
  ​
​
 
  ​

Deposits
​
 
  ​
​
 
  ​

Non-interest bearing
​
$
 225,671
​
$
 227,272

Interest bearing
​
 
 877,821
​
 
 870,068

Total deposits
​
 
 1,103,492
​
 
 1,097,340

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​
​
​
​
​
​

Mortgagors’ escrow accounts
​
 
 7,890
​
 
 9,399

Advances from the Federal Home Loan Bank 
​
 
 5,153
​
 
 25,153

Subordinated debt
​
 
 5,155
​
 
 5,155

Accrued expenses and other liabilities
​
 
 24,535
​
 
 27,867

Total liabilities
​
 
 1,146,225
​
 
 1,164,914

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Stockholders’ Equity
​
 
  ​
​
 
  ​

Preferred stock (par value $0.01 per share; 5,000,000 authorized, no shares issued)
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​
 —
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​
 —

Common stock (par value $0.01; authorized 25,000,000; issued and outstanding 11,152,973 and 11,141,033 at March 31, 2026 and December 31, 2025, respectively)
​
 
 112
​
 
 112

Additional paid-in capital
​
 
 45,679
​
 
 45,710

Unearned common stock held by the employee stock ownership plan 
​
​
 (2,782)
​
​
 (2,837)

Retained earnings
​
 
 103,963
​
 
 101,797

Accumulated other comprehensive loss:
​
 
​
​
 
​

Net unrealized loss on available-for-sale securities, net of taxes
​
 
 (6,655)
​
 
 (6,255)

Defined benefit pension plan, net of taxes
​
 
 (1,675)
​
 
 (1,675)

Total accumulated other comprehensive loss
​
 
 (8,330)
​
 
 (7,930)

Total stockholders’ equity
​
 
 138,642
​
 
 136,852

Total liabilities and stockholders’ equity
​
$
 1,284,867
​
$
 1,301,766

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See accompanying notes to consolidated financial statements
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1

Table of Contents

Rhinebeck Bancorp, Inc. and Subsidiary
Consolidated Statements of Income (Unaudited)
(In thousands, except share and per share data)
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Three Months Ended March 31, 

​
  ​ ​ ​
2026
  ​ ​ ​
2025

Interest and Dividend Income
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​
​
​
​
​

Interest and fees on loans
​
$
 14,338
​
$
 15,008

Interest and dividends on securities
​
 
 1,412
​
 
 1,351

Other interest income
​
 
 861
​
 
 279

Total interest and dividend income
​
 
 16,611
​
 
 16,638

Interest Expense
​
 
  ​
​
 
  ​

Interest expense on deposits
​
 
 5,173
​
 
 4,762

Interest expense on borrowings
​
 
 244
​
 
 839

Total interest expense
​
 
 5,417
​
 
 5,601

Net interest income
​
 
 11,194
​
 
 11,037

Provision for Credit Losses on loans
​
 
 71
​
 
 353

Net interest income after provision for credit losses on loans
​
 
 11,123
​
 
 10,684

Non-interest Income 
​
 
  ​
​
 
  ​

Service charges on deposit accounts
​
 
 764
​
 
 773

Net gain on sales of loans
​
 
 —
​
 
 38

Increase in cash surrender value of life insurance
​
 
 198
​
 
 188

Net gain on disposal of premises and equipment
​
 
 7
​
 
 —

Investment advisory income
​
 
 303
​
 
 336

Other
​
 
 194
​
 
 416

Total non-interest income 
​
 
 1,466
​
 
 1,751

Non-interest Expense
​
 
  ​
​
 
  ​

Salaries and employee benefits
​
 
 5,533
​
 
 5,134

Occupancy
​
 
 1,223
​
 
 1,071

Data processing
​
 
 609
​
 
 525

Professional fees
​
 
 393
​
 
 477

Marketing
​
 
 145
​
 
 200

FDIC deposit insurance and other insurance
​
 
 219
​
 
 297

Amortization of intangible assets
​
 
 7
​
 
 20

Other
​
 
 1,609
​
 
 1,784

Total non-interest expense
​
 
 9,738
​
 
 9,508

Net income before income taxes
​
 
 2,851
​
 
 2,927

Net Provision for Income Taxes
​
 
 635
​
 
 639

Net income 
​
$
 2,216
​
$
 2,288

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Earnings per common share:
​
​
​
​
​
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Basic
​
$
 0.20
​
$
 0.21

Diluted
​
$
 0.20
​
$
 0.21

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Weighted average shares outstanding, basic
​
​
 10,843,195
​
​
 10,777,044

Weighted average shares outstanding, diluted
​
​
 10,983,362
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​
 10,923,364

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See accompanying notes to consolidated financial statements
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2

Table of Contents

Rhinebeck Bancorp, Inc. and Subsidiary
Consolidated Statements of Comprehensive Income (Unaudited)
(In thousands, except share and per share data)
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Three Months Ended March 31, 
​

​
  ​ ​ ​
2026
  ​ ​ ​
2025
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Net Income 
​
$
 2,216
​
$
 2,288
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Other Comprehensive Income
​
 
​
​
 
​
​

Net unrealized (loss) gain on available for sale securities arising during the period
​
 
 (507)
​
 
 2,266
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Tax effect 
​
 
 107
​
 
 (476)
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Unrealized (loss) gain on available for sale securities, net of tax
​
 
 (400)
​
 
 1,790
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Other comprehensive (loss) income:
​
 
 (400)
​
 
 1,790
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Total Comprehensive Income
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$
 1,816
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$
 4,078
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See accompanying notes to consolidated financial statements
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3

Table of Contents

Rhinebeck Bancorp, Inc. and Subsidiary
Consolidated Statements of Changes in Stockholders’ Equity (Unaudited)
(In thousands, except share and per share data)
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Unearned
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Accumulated
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Additional
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Common
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Other
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Common
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Paid-in
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Stock Held
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Retained
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Comprehensive
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  ​ ​ ​
Stock
  ​ ​ ​
Capital
​
by the ESOP
  ​ ​ ​
Earnings
  ​ ​ ​
Loss
  ​ ​ ​
Total
​

Balance at December 31, 2024
​
$
 111
​
$
 45,946
​
$
 (3,055)
​
$
 91,766
​
$
 (12,935)
​
$
 121,833
​

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​
​
​
​
​
​
​
​
​
​
​
​
​
​
​
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Net income
​
 
 —
​
 
 —
​
 
 —
​
 
 2,288
​
 
 —
​
 
 2,288
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Other comprehensive loss
​
​
 —
​
 
 —
​
 
 —
​
 
 —
​
 
 1,790
​
 
 1,790
​

ESOP shares committed to be allocated
​
 
 —
​
​
 —
​
​
 55
​
​
 —
​
​
 —
​
​
 55
​

Share-based compensation expense 
​
​
 —
​
​
 9
​
 
 —
​
​
 —
​
​
 —
​
​
 9
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Balance at March 31, 2025 
​
$
 111
​
$
 45,955
​
$
 (3,000)
​
$
 94,054
​
$
 (11,145)
​
$
 125,975
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​
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​
​
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Balance at December 31, 2025
​
$
 112
​
$
 45,710
​
$
 (2,837)
​
$
 101,797
​
$
 (7,930)
​
$
 136,852
​

​
​
 
  ​
​
 
  ​
​
 
  ​
​
 
  ​
​
 
  ​
​
 
​
​

Net income
​
 
 —
​
 
 —
​
 
 —
​
 
 2,216
​
 
 —
​
 
 2,216
​

Other comprehensive income
​
 
 —
​
 
 —
​
 
 —
​
 
 —
​
 
 (400)
​
 
 (400)
​

ESOP shares committed to be allocated
​
​
 —
​
​
 22
​
​
 55
​
​
 —
​
​
 —
​
​
 77
​

Share-based compensation expense
​
​
 —
​
​
 10
​
 
 —
​
​
 —
​
​
 —
​
​
 10
​

Exercise of options (38,365 shares)
​
​
 —
​
​
 107
​
 
 —
​
​
 —
​
​
 —
​
​
 107