Rhinebeck Bancorp, Inc.
RBKB Nasdaq Savings Institutions, Not Federally Chartered Financials FY2017–FY2025
Revenue
Total sales reported in the income statement.
$3.0M
0.6%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
1,307.6%
80.2 pts
Net income
Profit after all expenses, interest and tax.
$10.0M
Return on equity
Net income as a share of average shareholders' equity.
7.8%
15.1 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
—
P/E
Last close divided by diluted earnings per share over the last four quarters.
—
On $0.90 EPS (TTM)
What Rhinebeck Bancorp, Inc. does
No business description yet.
- Legal name
- Rhinebeck Bancorp, Inc.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Accession · CIK
- 0001751783-26-000005
0001751783
Revenue and margins
Rhinebeck Bancorp, Inc. had $3.0M of revenue in fiscal 2025, down 0.6% on the year before.
FY17
Revenue $2.4M
FY18
Revenue $2.8M
FY19
Revenue $2.8M
FY20
Revenue $2.3M
FY21
Revenue $2.6M
FY22
Revenue $2.8M
FY23
Revenue $2.9M
FY24
Revenue $3.0M
FY25
Revenue $3.0M
Q3 '23
Revenue $0.7M
Q4 '23
Revenue $0.7M
Q1 '24
Revenue $0.7M
Q2 '24
Revenue $0.7M
Q3 '24
Revenue $0.8M
Q4 '24
Revenue $0.8M
Q1 '25
Revenue $0.8M
Q2 '25
Revenue $0.7M
Q3 '25
Revenue $0.7M
Q4 '25
Revenue $0.7M
Q1 '26
Revenue $0.8M
Q2 '26
Revenue $0.7M
FY17
Net interest share 1,021.9%
Efficiency ratio 1,045.1%
FY18
Net interest share 1,012.5%
Efficiency ratio 930.9%
FY19
Net interest share 1,141.9%
Efficiency ratio 988.8%
FY20
Net interest share 1,598.2%
Efficiency ratio 1,321.0%
FY21
Net interest share 1,525.3%
Efficiency ratio 1,374.3%
FY22
Net interest share 1,478.8%
Efficiency ratio 1,322.8%
FY23
Net interest share 1,318.2%
Efficiency ratio 1,264.9%
FY24
Net interest share 1,255.7%
Efficiency ratio 1,227.4%
FY25
Net interest share 1,554.7%
Efficiency ratio 1,307.6%
Net interest share
Efficiency ratio
Q3 '23
Net interest share 1,308.7%
Efficiency ratio 1,194.4%
Q4 '23
Net interest share 1,277.0%
Efficiency ratio 1,274.0%
Q1 '24
Net interest share 1,186.0%
Efficiency ratio 1,194.8%
Q2 '24
Net interest share 1,228.9%
Efficiency ratio 1,215.6%
Q3 '24
Net interest share 1,250.1%
Efficiency ratio 1,174.8%
Q4 '24
Net interest share 1,356.7%
Efficiency ratio 1,325.7%
Q1 '25
Net interest share 1,427.8%
Efficiency ratio 1,230.0%
Q2 '25
Net interest share 1,578.6%
Efficiency ratio 1,333.4%
Q3 '25
Net interest share 1,628.6%
Efficiency ratio 1,316.2%
Q4 '25
Net interest share 1,589.9%
Efficiency ratio 1,354.6%
Q1 '26
Net interest share 1,465.2%
Efficiency ratio 1,274.6%
Q2 '26
Net interest share 1,563.4%
Efficiency ratio 1,345.2%
Net interest share
Efficiency ratio
Net income and earnings per share
Loss periods are shown in red.
FY17
Net income $3.0M
FY18
Net income $4.4M
FY19
Net income $6.0M
FY20
Net income $5.9M
FY21
Net income $11.6M
FY22
Net income $7.0M
FY23
Net income $4.4M
FY24
Net income −$8.6M
FY25
Net income $10.0M
Q3 '23
Net income $1.2M
Q4 '23
Net income $0.9M
Q1 '24
Net income $1.1M
Q2 '24
Net income $1.0M
Q3 '24
Net income −$8.1M
Q4 '24
Net income −$2.7M
Q1 '25
Net income $2.3M
Q2 '25
Net income $2.7M
Q3 '25
Net income $2.7M
Q4 '25
Net income $2.3M
Q1 '26
Net income $2.2M
Q2 '26
Net income $2.6M
FY17
Diluted EPS —
FY18
Diluted EPS —
FY19
Diluted EPS $0.56
FY20
Diluted EPS $0.55
FY21
Diluted EPS $1.06
FY22
Diluted EPS $0.64
FY23
Diluted EPS $0.40
FY24
Diluted EPS −$0.80
FY25
Diluted EPS $0.92
Q3 '23
Diluted EPS $0.11
Q4 '23
Diluted EPS $0.09
Q1 '24
Diluted EPS $0.10
Q2 '24
Diluted EPS $0.09
Q3 '24
Diluted EPS −$0.75
Q4 '24
Diluted EPS −$0.24
Q1 '25
Diluted EPS $0.21
Q2 '25
Diluted EPS $0.25
Q3 '25
Diluted EPS $0.25
Q4 '25
Diluted EPS $0.21
Q1 '26
Diluted EPS $0.20
Q2 '26
Diluted EPS $0.24
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY17
ROE 5.5%
ROTE 5.6%
Efficiency ratio 1,045.1%
FY18
ROE 7.6%
ROTE 7.6%
Efficiency ratio 930.9%
FY19
ROE 7.1%
ROTE 5.5%
Efficiency ratio 988.8%
FY20
ROE 5.2%
ROTE 5.2%
Efficiency ratio 1,321.0%
FY21
ROE 9.5%
ROTE 9.4%
Efficiency ratio 1,374.3%
FY22
ROE 6.0%
ROTE 6.6%
Efficiency ratio 1,322.8%
FY23
ROE 4.0%
ROTE 4.0%
Efficiency ratio 1,264.9%
FY24
ROE −7.3%
ROTE −7.2%
Efficiency ratio 1,227.4%
FY25
ROE 7.8%
ROTE 7.5%
Efficiency ratio 1,307.6%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Rhinebeck Bancorp, Inc. returned $0.1M to shareholders in fiscal 2025, 1% of free cash flow. The diluted share count rose 1.9%.
FY17
Dividends —
Buybacks —
FY18
Dividends —
Buybacks —
FY19
Dividends —
Buybacks —
FY20
Dividends —
Buybacks —
FY21
Dividends —
Buybacks —
FY22
Dividends —
Buybacks —
FY23
Dividends —
Buybacks —
FY24
Dividends —
Buybacks —
FY25
Dividends —
Buybacks $0.1M
Dividends
Buybacks
Q3 '23
Dividends —
Buybacks $0.1M
Q4 '23
Dividends —
Buybacks —
Q1 '24
Dividends —
Buybacks —
Q2 '24
Dividends —
Buybacks —
Q3 '24
Dividends —
Buybacks —
Q4 '24
Dividends —
Buybacks —
Q1 '25
Dividends —
Buybacks —
Q2 '25
Dividends —
Buybacks —
Q3 '25
Dividends —
Buybacks —
Q4 '25
Dividends —
Buybacks —
Q1 '26
Dividends —
Buybacks $0.2M
Q2 '26
Dividends —
Buybacks $1.6M
Dividends
Buybacks
FY17
Diluted shares —
FY18
Diluted shares —
FY19
Diluted shares 0.01B
FY20
Diluted shares 0.01B
FY21
Diluted shares 0.01B
FY22
Diluted shares 0.01B
FY23
Diluted shares 0.01B
FY24
Diluted shares 0.01B
FY25
Diluted shares 0.01B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY17
Loans $566M
Deposits $650M
FY18
Loans $678M
Deposits $684M
FY19
Loans $793M
Deposits $773M
FY20
Loans $874M
Deposits $929M
FY21
Loans $855M
Deposits $1.1B
FY22
Loans $994M
Deposits $1.1B
FY23
Loans $1.0B
Deposits $1.0B
FY24
Loans $972M
Deposits $1.0B
FY25
Loans $953M
Deposits $1.1B
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $855M | $994M | $1.0B | $972M | $953M |
| Deposits | $1.1B | $1.1B | $1.0B | $1.0B | $1.1B |
| Loans / deposits | 77.6% | 88.0% | 97.9% | 95.2% | 86.9% |
| Total assets | $1.3B | $1.3B | $1.3B | $1.3B | $1.3B |
| Shareholders' equity | $126M | $108M | $114M | $122M | $137M |
| Goodwill | $2.2M | $2.2M | $2.2M | $2.2M | $2.2M |
| Intangible assets | $0.4M | $0.3M | $0.2M | $0.2M | $0.1M |
| Provision / loans | −0.4% | 0.1% | 0.2% | 0.3% | 0.2% |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
9 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|
| Income statement | |||||||||
| Revenue | $2.4M | $2.8M | $2.8M | $2.3M | $2.6M | $2.8M | $2.9M | $3.0M | $3.0M |
| Net interest income | $24.6M | $28.4M | $32.2M | $36.4M | $39.4M | $41.8M | $38.0M | $37.7M | $46.4M |
| Noninterest income | $8.1M | $5.2M | $5.6M | $8.3M | $7.4M | $5.9M | $5.8M | −$9.0M | $7.0M |
| Noninterest expense | $25.1M | $26.1M | $27.9M | $30.1M | $35.5M | $37.4M | $36.4M | $36.8M | $39.0M |
| Provision for credit losses | $0.9M | $2.1M | $2.5M | $7.1M | −$3.7M | $1.4M | $1.7M | $2.8M | $1.7M |
| Interest expense | $3.3M | $5.3M | $8.7M | $8.0M | $4.3M | $6.8M | $22.7M | — | — |
| Pretax income | $6.6M | $5.4M | $7.5M | $7.5M | $15.0M | $8.9M | $5.6M | −$10.9M | $12.7M |
| Income tax | $3.6M | $1.0M | $1.5M | $1.6M | $3.4M | $1.9M | $1.2M | −$2.3M | $2.6M |
| Net income | $3.0M | $4.4M | $6.0M | $5.9M | $11.6M | $7.0M | $4.4M | −$8.6M | $10.0M |
| Diluted EPS | — | — | $0.56 | $0.55 | $1.06 | $0.64 | $0.40 | −$0.80 | $0.92 |
| Diluted shares | — | — | 0.01B | 0.01B | 0.01B | 0.01B | 0.01B | 0.01B | 0.01B |
| Cash flow | |||||||||
| Cash from operations | $5.4M | $8.6M | $12.1M | $14.8M | $7.7M | $14.8M | $7.0M | $8.5M | $11.7M |
| Capital expenditure | $0.7M | $1.1M | $2.6M | $1.9M | $1.8M | $1.1M | $0.6M | $0.8M | $0.9M |
| Free cash flow | $4.7M | $7.5M | $9.5M | $13.0M | $5.9M | $13.7M | $6.5M | $7.7M | $10.9M |
| Depreciation and amortization | — | — | — | $1.4M | $1.6M | $1.6M | $1.4M | $1.3M | $1.3M |
| Stock-based compensation | — | — | — | $0.2M | $0.6M | $0.6M | $0.4M | $0.0M | $0.0M |
| Share buybacks | — | — | — | — | — | — | — | — | $0.1M |
| Dividends and buybacks | — | — | — | — | — | — | — | — | $0.1M |
| Balance sheet | |||||||||
| Cash and short-term investments | $10.5M | $50.6M | $12.0M | $93.5M | $72.1M | $31.4M | $22.1M | $37.5M | $102M |
| Loans, net | $566M | $678M | $793M | $874M | $855M | $994M | $1.0B | $972M | $953M |
| Deposits | $650M | $684M | $773M | $929M | $1.1B | $1.1B | $1.0B | $1.0B | $1.1B |
| Property and equipment, net | $17.0M | $17.0M | $18.3M | $18.8M | $19.2M | $18.7M | $17.6M | $14.1M | $13.6M |
| Goodwill | $1.5M | $1.4M | $1.4M | $1.4M | $2.2M | $2.2M | $2.2M | $2.2M | $2.2M |
| Intangible assets | $0.3M | $0.3M | $0.2M | $0.2M | $0.4M | $0.3M | $0.2M | $0.2M | $0.1M |
| Total assets | $742M | $882M | $974M | $1.1B | $1.3B | $1.3B | $1.3B | $1.3B | $1.3B |
| Total liabilities | $687M | $823M | $864M | $1.0B | $1.2B | $1.2B | $1.2B | $1.1B | $1.2B |
| Shareholders' equity | $55.0M | $59.3M | $110M | $116M | $126M | $108M | $114M | $122M | $137M |
| Margins | |||||||||
| Net margin | 124.8% | 155.3% | 211.2% | 260.0% | 447.3% | 247.3% | 152.6% | −287.1% | 336.6% |
| FCF margin | 194.9% | 265.9% | 337.2% | 570.2% | 227.5% | 483.0% | 224.7% | 255.8% | 365.0% |
| Net interest share of revenue | 1,021.9% | 1,012.5% | 1,141.9% | 1,598.2% | 1,525.3% | 1,478.8% | 1,318.2% | 1,255.7% | 1,554.7% |
| Efficiency ratio | 1,045.1% | 930.9% | 988.8% | 1,321.0% | 1,374.3% | 1,322.8% | 1,264.9% | 1,227.4% | 1,307.6% |
| Returns | |||||||||
| Return on equity | 5.5% | 7.6% | 7.1% | 5.2% | 9.5% | 6.0% | 4.0% | −7.3% | 7.8% |
| Return on assets | 0.4% | 0.5% | 0.6% | 0.6% | 1.0% | 0.5% | 0.3% | −0.7% | 0.8% |
| Return on tangible equity | 5.6% | 7.6% | 5.5% | 5.2% | 9.4% | 6.6% | 4.0% | −7.2% | 7.5% |
| Growth | |||||||||
| Revenue growth | — | 16.6% | 0.6% | −19.4% | 13.5% | 9.5% | 1.8% | 4.2% | −0.6% |
| Net income growth | — | 45.1% | 36.9% | −0.8% | 95.3% | −39.5% | −37.2% | −296.1% | — |
| EPS growth | — | — | — | −1.8% | 92.7% | −39.6% | −37.5% | −300.0% | — |
| FCF growth | — | 59.1% | 27.6% | 36.3% | −54.7% | 132.4% | −52.6% | 18.7% | 41.9% |
| Share count change | — | — | — | 0.3% | 2.0% | 0.5% | −1.4% | −0.9% | 1.9% |
| Financial health | |||||||||
| Loans / deposits | 87.1% | 99.1% | 102.6% | 94.0% | 77.6% | 88.0% | 97.9% | 95.2% | 86.9% |
| Provision / loans | 0.2% | 0.3% | 0.3% | 0.8% | −0.4% | 0.1% | 0.2% | 0.3% | 0.2% |
| Capital allocation | |||||||||
| Capex / revenue | 29.0% | 40.8% | 91.7% | 82.0% | 68.7% | 40.0% | 20.1% | 26.3% | 28.5% |
| Stock comp / revenue | — | — | — | 9.5% | 23.9% | 21.7% | 13.8% | 0.6% | 1.3% |
| Payouts / FCF | — | — | — | — | — | — | — | — | 0.9% |
| Quality scores | |||||||||
| Accruals ratio | −0.3% | −0.5% | −0.7% | −0.8% | 0.3% | −0.6% | −0.2% | −1.3% | −0.1% |
Source: SEC EDGAR XBRL filings (CIK 0001751783). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.