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AI brief of an SEC Form 8-K · Rhinebeck Bancorp, Inc. (RBKB)

Rhinebeck Bancorp Q3 net income rises 17% to $3.2 million

Positive Impact 3 of 5 earnings Written later

Rhinebeck Bancorp reported third-quarter 2026 net income of $3.2 million, or $0.21 per diluted share, up 17.0% from $2.7 million a year earlier. The gain was driven mainly by higher net interest income, partly offset by higher non-interest expense, and follows the July 21, 2026 second-step conversion that raised $88.8 million in gross proceeds.

Key points

  • Q3 2026 net income $3.2 million ($0.21 per diluted share) vs. $2.7 million ($0.18) in Q3 2025
  • Net interest income rose 8.1% to $13.0 million; net interest margin fell 14 basis points to 3.79%
  • Nine-month net income of $8.0 million, up 3.6% from the same period in 2025
  • Second-step conversion completed July 21, 2026; stockholders' equity rose to $220.8 million

The filing

CompanyRhinebeck Bancorp, Inc. (RBKB)
Form8-K, current report
Filed with the SECOct 29, 2026, 4:31 PM ET
Accession number0001751783-26-000042

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 11:43 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 29, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.