Rhinebeck Bancorp, Inc. (RBKB)

Rhinebeck Bancorp Balance Sheet

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
Cash & Equivalents	103.47	37.48	22.13	31.38	72.09	93.49
Investment Securities	148.92	66.46	63.41	79.13	103.79	13.66
Trading Asset Securities	-	6.74	6.28	4.55	0.64	-
Mortgage-Backed Securities	-	93.49	128.58	144.53	176.49	89.27
Total Investments	148.92	166.69	198.26	228.21	280.93	102.93
Gross Loans	985.83	980.32	1,016	1,002	858.58	882.73
Allowance for Loan Losses	-8.2	-8.54	-8.12	-7.94	-7.56	-11.63
Net Loans	977.63	971.78	1,008	994.12	851.02	871.1
Property, Plant & Equipment	13.75	21.41	23.81	25.62	27.02	25.13
Goodwill	2.24	2.24	2.24	2.24	2.24	1.41
Other Intangible Assets	0.11	0.17	0.25	0.33	0.43	0.2
Loans Held for Sale	-	-	0.91	0.25	3.95	2.72
Accrued Interest Receivable	4.86	4.59	4.62	4.31	3.38	3.82
Long-Term Deferred Tax Assets	5.77	8.11	9.94	10.13	3.35	3.7
Other Real Estate Owned & Foreclosed	-	-	0.03	-	-	0.14
Other Long-Term Assets	57.24	39.34	36.58	36.13	35.44	21.41
Total Assets	1,316	1,256	1,313	1,336	1,281	1,129
Accrued Expenses	31.34	7.95	8.5	9.04	7.75	7.23
Interest Bearing Deposits	863.14	687.07	680.65	807.47	763.48	650.46
Institutional Deposits	-	95.59	100.06	38.9	23.7	34.57
Non-Interest Bearing Deposits	252.68	238.13	249.79	283.56	314.81	244.34
Total Deposits	1,116	1,021	1,031	1,130	1,102	929.36
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	26.6	23.32	128.06	57.72	18.04	50.67
Long-Term Leases	-	6.63	6.31	6.9	7.84	6.29
Trust Preferred Securities	5.16	5.16	5.16	5.16	5.16	5.16
Pension & Post-Retirement Benefits	-	1.26	0.19	0.23	0.22	1.33
Other Long-Term Liabilities	4.08	14.88	14.51	14.32	13.55	12.29
Total Liabilities	1,183	1,134	1,200	1,228	1,155	1,012
Common Stock	0.11	0.11	0.11	0.11	0.11	0.11
Additional Paid-In Capital	45.8	45.95	45.96	47.08	46.57	46.04
Retained Earnings	99.48	91.77	100.39	96.62	89.63	78.07
Comprehensive Income & Other	-12.38	-15.99	-32.77	-35.68	-10.34	-7.72
Shareholders' Equity	133	121.83	113.69	108.13	125.97	116.5
Total Liabilities & Equity	1,316	1,256	1,313	1,336	1,281	1,129
Total Debt	31.76	89.06	145.8	74.32	31.68	62.12
Net Cash (Debt)	71.71	-44.83	-117.4	-38.39	41.06	31.37
Net Cash Growth	-	-	-	-	30.89%	-
Net Cash Per Share	6.57	-4.17	-10.81	-3.49	3.75	2.92
Filing Date Shares Outstanding	10.81	10.79	10.75	10.94	10.93	10.74
Total Common Shares Outstanding	10.81	10.79	10.75	10.94	10.93	10.74
Book Value Per Share	12.30	11.29	10.58	9.89	11.53	10.85
Tangible Book Value	130.66	119.43	111.2	105.56	123.3	114.89
Tangible Book Value Per Share	12.08	11.07	10.35	9.65	11.29	10.70

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

SEC Filings: 10-K · 10-Q