Rhinebeck Bancorp, Inc. (RBKB)

Rhinebeck Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	60.79	58.37	55.08	44.42	41.36	42.22
Interest Income on Investments	6.89	5.39	5.58	4.17	2.34	2.18
Total Interest Income	67.67	63.76	60.66	48.59	43.7	44.4
Interest Paid on Deposits	20.29	21.29	17.62	5.61	3.6	6.67
Interest Paid on Borrowings	2.1	4.23	5.08	1.15	0.69	1.35
Total Interest Expense	22.4	25.53	22.69	6.76	4.29	8.02
Net Interest Income	45.28	38.23	37.97	41.84	39.41	36.38
Net Interest Income Growth (YoY)	22.78%	0.70%	-9.25%	6.15%	8.35%	12.80%
Gain (Loss) on Sale of Assets	-0	-0.02	-0.33	-0.04	0.02	0.01
Gain (Loss) on Sale of Investments	-4.05	-16.04	-	-0.17	-0	-0.03
Other Non-Interest Income	3.4	3.37	2.74	2.41	2.24	1.78
Total Non-Interest Income	2.57	-9.52	5.41	5.9	7.42	8.3
Non-Interest Income Growth (YoY)	-	-	-8.33%	-20.57%	-10.60%	47.48%
Revenues Before Loan Losses	47.84	28.71	43.37	47.73	46.84	44.68
Provision for Loan Losses	2.54	2.8	1.7	1.41	-3.67	7.14
Revenue	45.31	25.91	41.67	46.32	50.5	37.54
Revenue Growth (YoY)	54.93%	-37.82%	-10.04%	-8.29%	34.53%	6.00%
Salaries and Employee Benefits	21.07	20.17	18.9	20.77	19.27	16.41
Federal Deposit Insurance	1.17	1.11	1.23	0.83	0.77	0.8
Amortization of Goodwill & Intangibles	0.07	0.08	0.09	0.1	0.1	0.04
Selling, General & Administrative	9.51	9.03	9.3	9.73	9.26	7.49
Other Non-Interest Expense	7.07	6.47	6.53	5.99	6.04	5.18
Total Non-Interest Expense	38.89	36.85	36.05	37.42	35.44	30.07
EBT Excluding Unusual Items	6.42	-10.94	5.61	8.9	15.06	7.48
Pretax Income	6.42	-10.94	5.61	8.9	14.99	7.48
Income Tax Expense	1.37	-2.32	1.22	1.9	3.43	1.56
Net Income	5.06	-8.62	4.4	7	11.56	5.92
Net Income to Common	5.06	-8.62	4.4	7	11.56	5.92
Net Income Growth	-	-	-37.19%	-39.46%	95.34%	-0.77%
Basic Shares Outstanding	11	11	11	11	11	11
Diluted Shares Outstanding	11	11	11	11	11	11
Shares Change (YoY)	1.49%	-0.90%	-1.35%	0.46%	2.00%	0.30%
EPS (Basic)	0.47	-0.80	0.41	0.65	1.07	0.55
EPS (Diluted)	0.46	-0.80	0.40	0.64	1.06	0.55
EPS Growth	-	-	-37.50%	-39.62%	92.73%	-1.24%
Effective Tax Rate	21.27%	-	21.71%	21.35%	22.90%	20.85%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q