Rhinebeck Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	61.16	58.37	55.08	44.42	41.36
Interest Income on Investments	7.72	5.39	5.58	4.17	2.34
Total Interest Income	68.87	63.76	60.66	48.59	43.7
Interest Paid on Deposits	20.52	21.29	17.62	5.61	3.6
Interest Paid on Borrowings	1.96	4.23	5.08	1.15	0.69
Total Interest Expense	22.48	25.53	22.69	6.76	4.29
Net Interest Income	46.39	38.23	37.97	41.84	39.41
Net Interest Income Growth (YoY)	21.35%	0.70%	-9.25%	6.15%	8.35%
Gain (Loss) on Sale of Assets	0.01	-0.02	-0.33	-0.04	0.02
Gain (Loss) on Sale of Investments	-	-16.04	-	-0.17	-0
Other Non-Interest Income	3.73	3.37	2.74	2.41	2.24
Total Non-Interest Income	6.97	-9.52	5.41	5.9	7.42
Non-Interest Income Growth (YoY)	-	-	-8.33%	-20.57%	-10.60%
Revenues Before Loan Losses	53.36	28.71	43.37	47.73	46.84
Provision for Loan Losses	1.66	2.8	1.7	1.41	-3.67
Revenue	51.71	25.91	41.67	46.32	50.5
Revenue Growth (YoY)	99.55%	-37.82%	-10.04%	-8.29%	34.53%
Salaries and Employee Benefits	21.61	20.17	18.9	20.77	19.27
Federal Deposit Insurance	1.04	1.11	1.23	0.83	0.77
Amortization of Goodwill & Intangibles	0.06	0.08	0.09	0.1	0.1
Selling, General & Administrative	9.21	9.03	9.3	9.73	9.26
Other Non-Interest Expense	7.1	6.47	6.53	5.99	6.04
Total Non-Interest Expense	39.02	36.85	36.05	37.42	35.44
EBT Excluding Unusual Items	12.69	-10.94	5.61	8.9	15.06
Pretax Income	12.69	-10.94	5.61	8.9	14.99
Income Tax Expense	2.64	-2.32	1.22	1.9	3.43
Net Income	10.05	-8.62	4.4	7	11.56
Net Income to Common	10.05	-8.62	4.4	7	11.56
Net Income Growth	-	-	-37.19%	-39.46%	95.34%
Basic Shares Outstanding	11	11	11	11	11
Diluted Shares Outstanding	11	11	11	11	11
Shares Change (YoY)	1.86%	-0.90%	-1.35%	0.46%	2.00%
EPS (Basic)	0.93	-0.80	0.41	0.65	1.07
EPS (Diluted)	0.92	-0.80	0.40	0.64	1.06
EPS Growth	-	-	-37.50%	-39.62%	92.73%
Effective Tax Rate	20.81%	-	21.71%	21.35%	22.90%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q