Rhinebeck Bancorp, Inc. (RBKB) Financial Statements
Industry: Savings Institutions, Not Federally Chartered
In fiscal 2025, Rhinebeck Bancorp reported revenue of $53.4M, up 85.9% from $28.7M the year before. Net income was $10.0M (a 18.8% net margin), or $0.92 per diluted share. Net interest income was $46.4M, and the efficiency ratio (noninterest expense / revenue) was 73.1%. Operating activities generated $11.7M of cash, leaving $10.9M of free cash flow. At fiscal year end, Rhinebeck Bancorp held $1.30B in total assets against $1.16B in total liabilities.
Open the full interactive Rhinebeck Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Rhinebeck Bancorp Key Stats
| Share Price | $12.88 |
|---|---|
| Market Cap | $141.1M |
| P/E Ratio | 14.0 |
| Revenue YoY Growth | +85.9% |
| 52-Week Range | $6.89 – $13.23 |
| Shares Outstanding | 10.8 million (basic, 2026 Q2) |
Rhinebeck Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $36.4M | $39.4M | $41.8M | $38.0M | $38.2M | $46.4M |
| Provision for Credit Losses | $7.1M | -$3.7M | $1.4M | $1.7M | $2.8M | $1.7M |
| Noninterest Income | $8.3M | $7.4M | $5.9M | $5.8M | -$9.5M | $7.0M |
| Noninterest Expense | $30.1M | $35.5M | $37.4M | $36.4M | $36.8M | $39.0M |
| Revenue | $44.7M | $46.8M | $47.7M | $43.7M | $28.7M | $53.4M |
| Pre-Tax Income | $7.5M | $15.0M | $8.9M | $5.6M | -$10.9M | $12.7M |
| Income Tax | $1.6M | $3.4M | $1.9M | $1.2M | -$2.3M | $2.6M |
| Net Income | $5.9M | $11.6M | $7.0M | $4.4M | -$8.6M | $10.0M |
| Diluted EPS | $0.55 | $1.06 | $0.64 | $0.40 | -$0.80 | $0.92 |
Rhinebeck Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $14.0M | $13.5M | $12.7M | $13.4M |
| Net Income | $2.7M | $2.3M | $2.2M | $2.6M |
| Diluted EPS | $0.25 | $0.21 | $0.20 | $0.24 |
Rhinebeck Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $873.8M | $855.0M | $994.4M | $1.01B | $971.8M | $953.4M |
| Total Assets | $1.13B | $1.28B | $1.34B | $1.31B | $1.26B | $1.30B |
| Deposits | $929.4M | $1.10B | $1.13B | $1.03B | $1.02B | $1.10B |
| Total Long-Term Debt | $55.8M | $23.2M | $62.9M | $133.2M | $74.9M | $30.3M |
| Total Liabilities | $1.01B | $1.16B | $1.23B | $1.20B | $1.13B | $1.16B |
| Shareholders' Equity | $116.5M | $126.0M | $108.1M | $113.7M | $121.8M | $136.9M |
Rhinebeck Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $14.8M | $7.7M | $14.8M | $7.0M | $8.5M | $11.7M |
| Cash From Investing | -$74.1M | -$135.7M | -$123.6M | $14.7M | $74.7M | $21.2M |
| Cash From Financing | $140.8M | $106.7M | $68.1M | -$31.0M | -$67.9M | $31.6M |
| Free Cash Flow | $13.0M | $5.9M | $13.7M | $6.5M | $7.7M | $10.9M |
Figures from Rhinebeck Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Rhinebeck Bancorp financials page for every line item.
Rhinebeck Bancorp Company Profile
| Ticker | RBKB |
|---|---|
| Exchange | Nasdaq |
| Industry | Savings Institutions, Not Federally Chartered |
| Headquarters | Poughkeepsie, New York |
| Incorporated in | Maryland |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0001751783 |
Frequently Asked Questions
What was Rhinebeck Bancorp's revenue in fiscal 2025?
Rhinebeck Bancorp (RBKB) reported revenue of $53.4M for fiscal 2025.
What is Rhinebeck Bancorp's annual revenue history?
Rhinebeck Bancorp's annual revenue by fiscal year: 2020: $44.7M; 2021: $46.8M; 2022: $47.7M; 2023: $43.7M; 2024: $28.7M; 2025: $53.4M.
What was Rhinebeck Bancorp's net income in fiscal 2025?
Rhinebeck Bancorp reported net income of $10.0M for fiscal 2025.
What was Rhinebeck Bancorp's earnings per share (EPS) in fiscal 2025?
Rhinebeck Bancorp's diluted EPS was $0.92 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Rhinebeck Bancorp generate in fiscal 2025?
Rhinebeck Bancorp generated $10.9M of free cash flow in fiscal 2025.
What was Rhinebeck Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Rhinebeck Bancorp reported revenue of $13.4M.
How much debt does Rhinebeck Bancorp have?
Rhinebeck Bancorp reported $30.3M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Rhinebeck Bancorp are outstanding?
Rhinebeck Bancorp reported a weighted average of 10.8 million basic shares outstanding in 2026 Q2.
What is Rhinebeck Bancorp's market cap?
Based on its latest closing price, Rhinebeck Bancorp (RBKB) has a market capitalization of about $141.1M.
When does Rhinebeck Bancorp's fiscal year end?
Rhinebeck Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Rhinebeck Bancorp headquartered?
Rhinebeck Bancorp lists its business address in Poughkeepsie, New York in its SEC filings.
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