Rhinebeck Bancorp, Inc. (RBKB)

Rhinebeck Bancorp Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	46.39	37.7	37.97	41.84	39.41
Net Interest Income Growth	23.08%	-0.71%	-9.25%	6.15%	8.35%
Non-Interest Income	6.97	-8.98	5.78	5.9	7.42
Non-Interest Income Growth	-	-	-1.97%	-20.57%	-10.60%
Revenues Before Loan Losses	53.36	28.71	43.75	47.73	46.84
Provision for Credit Losses	1.66	2.8	1.7	1.41	-3.67
Revenue	51.71	25.91	42.04	46.32	50.5
Revenue Growth (YoY)	99.55%	-38.37%	-9.23%	-8.29%	34.53%
Compensation Expenses	21.61	20.37	19.46	21.6	20.11
Selling, General & Admin	10.25	9.93	9.98	9.73	9.19
Other Non-Interest Expenses	7.16	6.55	6.99	6.09	6.22
Total Non-Interest Expense	39.02	36.85	36.43	37.42	35.51
Pretax Income	12.69	-10.94	5.61	8.9	14.99
Provision for Income Taxes	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%
Shares Outstanding (Basic)	11	11	11	11	11
Shares Outstanding (Diluted)	11	11	11	11	11
Shares Change (YoY)	1.85%	-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%
Shares Outstanding	10.86	10.79	11.07	11.28	11.3
Free Cash Flow	10.87	7.66	6.45	13.64	-4.15
Free Cash Flow Growth	41.98%	18.75%	-52.73%	-	-
Free Cash Flow Per Share	0.99	0.71	0.59	1.24	-0.38
Profit Margin	19.43%	-33.27%	10.45%	15.11%	22.89%
FCF Margin	21.02%	29.55%	15.33%	29.45%	-8.21%
EBITDA	1.36	1.42	1.49	1.65	1.66
EBITDA Margin	2.63%	5.49%	3.55%	3.57%	3.28%
Effective Tax Rate	20.81%	21.19%	21.71%	21.35%	22.90%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q