Rhinebeck Bancorp Balance Sheet

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
Cash & Equivalents	101.99	37.48	22.13	31.38	72.09
Investment Securities	162.2	66.46	63.41	79.13	103.79
Trading Asset Securities	-	6.74	6.28	4.55	0.64
Mortgage-Backed Securities	-	93.49	128.58	144.53	176.49
Total Investments	162.2	166.69	198.26	228.21	280.93
Gross Loans	961.74	980.32	1,016	1,002	858.58
Allowance for Loan Losses	-8.35	-8.54	-8.12	-7.94	-7.56
Net Loans	953.39	971.78	1,008	994.12	851.02
Property, Plant & Equipment	13.62	21.41	23.81	25.62	27.02
Goodwill	2.24	2.24	2.24	2.24	2.24
Other Intangible Assets	0.11	0.17	0.25	0.33	0.43
Loans Held for Sale	-	-	0.91	0.25	3.95
Accrued Interest Receivable	4.88	4.59	4.62	4.31	3.38
Long-Term Deferred Tax Assets	4.94	8.11	9.94	10.13	3.35
Other Real Estate Owned & Foreclosed	-	-	0.03	-	-
Other Long-Term Assets	56.45	39.34	36.58	36.13	35.44
Total Assets	1,302	1,256	1,313	1,336	1,281
Accrued Expenses	27.87	7.95	8.5	9.04	7.75
Interest Bearing Deposits	870.07	687.07	680.65	807.47	763.48
Institutional Deposits	-	95.59	100.06	38.9	23.7
Non-Interest Bearing Deposits	227.27	238.13	249.79	283.56	314.81
Total Deposits	1,097	1,021	1,031	1,130	1,102
Short-Term Borrowings	-	6.74	6.28	4.55	0.64
Current Portion of Long-Term Debt	-	46.45	-	-	-
Current Portion of Leases	-	0.76	-	-	-
Federal Home Loan Bank Debt, Long-Term	25.15	23.32	128.06	57.72	18.04
Long-Term Leases	-	6.63	6.31	6.9	7.84
Trust Preferred Securities	5.16	5.16	5.16	5.16	5.16
Pension & Post-Retirement Benefits	-	1.26	0.19	0.23	0.22
Other Long-Term Liabilities	9.4	14.88	14.51	14.32	13.55
Total Liabilities	1,165	1,134	1,200	1,228	1,155
Common Stock	0.11	0.11	0.11	0.11	0.11
Additional Paid-In Capital	45.71	45.95	45.96	47.08	46.57
Retained Earnings	101.8	91.77	100.39	96.62	89.63
Comprehensive Income & Other	-10.77	-15.99	-32.77	-35.68	-10.34
Shareholders' Equity	136.85	121.83	113.69	108.13	125.97
Total Liabilities & Equity	1,302	1,256	1,313	1,336	1,281
Total Debt	30.31	89.06	145.8	74.32	31.68
Net Cash (Debt)	71.68	-44.83	-117.4	-38.39	41.06
Net Cash Growth	-	-	-	-	30.89%
Net Cash Per Share	6.54	-4.17	-10.81	-3.49	3.75
Filing Date Shares Outstanding	10.85	10.79	10.75	10.94	10.93
Total Common Shares Outstanding	10.85	10.79	10.75	10.94	10.93
Book Value Per Share	12.62	11.29	10.58	9.89	11.53
Tangible Book Value	134.51	119.43	111.2	105.56	123.3
Tangible Book Value Per Share	12.40	11.07	10.35	9.65	11.29

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

SEC Filings: 10-K · 10-Q