Rhinebeck Bancorp (RBKB) annual balance sheet covering fiscal 2020 through 2025, as reported to the SEC.
Total assets have grown 2.9% a year on average since fiscal 2020, from $1.13B to $1.3B.
A balance sheet shows what a company owns and what it owes on a single date. The difference between the two belongs to shareholders.
| Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||||||
Cash and due from banks | |||||||||||||||||||||
15,893 | 18,561 | 14,178 | 13,294 | 11,044 | 93,485 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Cash and due from banks | 15,893 | 18,561 | 14,178 | 13,294 | 11,044 | 93,485 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Federal funds sold | |||||||||||||||||||||
83,157 | 18,309 | 7,524 | 14,569 | 52,644 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Federal funds sold | 83,157 | 18,309 | 7,524 | 14,569 | 52,644 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Interest-bearing depository accounts | |||||||||||||||||||||
2,936 | 614 | 427 | 3,521 | 8,403 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Interest-bearing depository accounts | 2,936 | 614 | 427 | 3,521 | 8,403 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total cash and cash equivalents | |||||||||||||||||||||
101,986 | 37,484 | 22,129 | 31,384 | 72,091 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total cash and cash equivalents | 101,986 | 37,484 | 22,129 | 31,384 | 72,091 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Available for sale securities (at fair value) | |||||||||||||||||||||
- | - | - | 223,659 | 280,283 | 102,933 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Available for sale securities (at fair value) | - | - | - | 223,659 | 280,283 | 102,933 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Available-for-sale securities (at fair value) | |||||||||||||||||||||
162,203 | 159,947 | 191,985 | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Available-for-sale securities (at fair value) | 162,203 | 159,947 | 191,985 | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Held to maturity securities (fair value of $0 and $1,928, respectively) | |||||||||||||||||||||
- | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Held to maturity securities (fair value of $0 and $1,928, respectively) | - | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Loans receivable (net of allowance for credit losses of $8,124 and $7,943, respectively) | |||||||||||||||||||||
- | - | - | 994,368 | 854,967 | 873,813 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Loans receivable (net of allowance for credit losses of $8,124 and $7,943, respectively) | - | - | - | 994,368 | 854,967 | 873,813 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Loans receivable (net of allowance for credit losses of $7,695 and $8,353, respectively) | |||||||||||||||||||||
953,385 | 971,779 | 1,008,851 | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Loans receivable (net of allowance for credit losses of $7,695 and $8,353, respectively) | 953,385 | 971,779 | 1,008,851 | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Federal Home Loan Bank stock | |||||||||||||||||||||
1,957 | 3,960 | 6,514 | 3,258 | 1,322 | 2,787 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Federal Home Loan Bank stock | 1,957 | 3,960 | 6,514 | 3,258 | 1,322 | 2,787 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Accrued interest receivable | |||||||||||||||||||||
4,882 | 4,435 | 4,616 | 4,255 | 3,366 | 3,819 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Accrued interest receivable | 4,882 | 4,435 | 4,616 | 4,255 | 3,366 | 3,819 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Cash surrender value of life insurance | |||||||||||||||||||||
30,996 | 30,193 | 30,031 | 29,794 | 29,131 | 18,877 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Cash surrender value of life insurance | 30,996 | 30,193 | 30,031 | 29,794 | 29,131 | 18,877 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Deferred tax assets (net of valuation allowance of $663 and $809, respectively) | |||||||||||||||||||||
4,941 | 8,114 | 9,936 | 10,131 | 3,352 | 3,703 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Deferred tax assets (net of valuation allowance of $663 and $809, respectively) | 4,941 | 8,114 | 9,936 | 10,131 | 3,352 | 3,703 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Deferred tax assets (net of valuation allowance of $1,210 and $1,085, respectively) | |||||||||||||||||||||
- | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Deferred tax assets (net of valuation allowance of $1,210 and $1,085, respectively) | - | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Premises and equipment, net | |||||||||||||||||||||
13,621 | 14,105 | 17,567 | 18,722 | 19,183 | 18,839 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Premises and equipment, net | 13,621 | 14,105 | 17,567 | 18,722 | 19,183 | 18,839 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Other real estate owned | |||||||||||||||||||||
- | - | 25 | - | - | 139 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Other real estate owned | - | - | 25 | - | - | 139 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Goodwill | |||||||||||||||||||||
2,235 | 2,235 | 2,235 | 2,235 | 2,235 | 1,410 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Goodwill | 2,235 | 2,235 | 2,235 | 2,235 | 2,235 | 1,410 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Intangible assets, net | |||||||||||||||||||||
106 | 166 | 246 | 334 | 433 | 199 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Intangible assets, net | 106 | 166 | 246 | 334 | 433 | 199 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Other assets | |||||||||||||||||||||
25,454 | 23,347 | 19,067 | 17,837 | 14,803 | 8,825 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Other assets | 25,454 | 23,347 | 19,067 | 17,837 | 14,803 | 8,825 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total assets | |||||||||||||||||||||
1,301,766 | 1,255,765 | 1,313,202 | 1,335,977 | 1,281,166 | 1,128,829 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total assets | 1,301,766 | 1,255,765 | 1,313,202 | 1,335,977 | 1,281,166 | 1,128,829 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Liabilities and Stockholders' Equity | |||||||||||||||||||||
Liabilities | |||||||||||||||||||||
Deposits | |||||||||||||||||||||
Non-interest bearing | |||||||||||||||||||||
227,272 | 238,126 | 249,793 | 283,563 | 314,814 | 244,344 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Non-interest bearing | 227,272 | 238,126 | 249,793 | 283,563 | 314,814 | 244,344 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Interest bearing | |||||||||||||||||||||
870,068 | 782,657 | 780,710 | 846,370 | 787,185 | 685,020 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Interest bearing | 870,068 | 782,657 | 780,710 | 846,370 | 787,185 | 685,020 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total deposits | |||||||||||||||||||||
1,097,340 | 1,020,783 | 1,030,503 | 1,129,933 | 1,101,999 | 929,364 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total deposits | 1,097,340 | 1,020,783 | 1,030,503 | 1,129,933 | 1,101,999 | 929,364 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Mortgagors' escrow accounts | |||||||||||||||||||||
9,399 | 9,425 | 9,274 | 9,732 | 9,130 | 8,494 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Mortgagors' escrow accounts | 9,399 | 9,425 | 9,274 | 9,732 | 9,130 | 8,494 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Advances from the Federal Home Loan Bank | |||||||||||||||||||||
25,153 | 69,773 | 128,064 | 57,723 | 18,041 | 50,674 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Advances from the Federal Home Loan Bank | 25,153 | 69,773 | 128,064 | 57,723 | 18,041 | 50,674 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Subordinated debt | |||||||||||||||||||||
5,155 | 5,155 | 5,155 | 5,155 | 5,155 | 5,155 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Subordinated debt | 5,155 | 5,155 | 5,155 | 5,155 | 5,155 | 5,155 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Other borrowings | |||||||||||||||||||||
- | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Other borrowings | - | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Subscription offering proceeds | |||||||||||||||||||||
- | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Subscription offering proceeds | - | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Accrued expenses and other liabilities | |||||||||||||||||||||
27,867 | 28,796 | 26,521 | 25,302 | 20,872 | 18,643 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Accrued expenses and other liabilities | 27,867 | 28,796 | 26,521 | 25,302 | 20,872 | 18,643 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total liabilities | |||||||||||||||||||||
1,164,914 | 1,133,932 | 1,199,517 | 1,227,845 | 1,155,197 | 1,012,330 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total liabilities | 1,164,914 | 1,133,932 | 1,199,517 | 1,227,845 | 1,155,197 | 1,012,330 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Stockholders' Equity | |||||||||||||||||||||
Common stock (par value $0.01; authorized 25,000,000; issued and outstanding 11,180,786 and 11,141,033 at June 30, 2026 and December 31, 2025, respectively) | |||||||||||||||||||||
112 | 111 | 111 | 113 | 113 | 113 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Common stock (par value $0.01; authorized 25,000,000; issued and outstanding 11,180,786 and 11,141,033 at June 30, 2026 and December 31, 2025, respectively) | 112 | 111 | 111 | 113 | 113 | 113 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Additional paid-in capital | |||||||||||||||||||||
45,710 | 45,946 | 45,959 | 47,075 | 46,573 | 46,036 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Additional paid-in capital | 45,710 | 45,946 | 45,959 | 47,075 | 46,573 | 46,036 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Additional paid-in capital | |||||||||||||||||||||
- | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Additional paid-in capital | - | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Unearned common stock held by the employee stock ownership plan | |||||||||||||||||||||
2,837 | 3,055 | 3,273 | 3,491 | 3,709 | 3,928 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Unearned common stock held by the employee stock ownership plan | 2,837 | 3,055 | 3,273 | 3,491 | 3,709 | 3,928 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Retained earnings | |||||||||||||||||||||
101,797 | 91,766 | 100,386 | 96,624 | 89,627 | 78,069 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Retained earnings | 101,797 | 91,766 | 100,386 | 96,624 | 89,627 | 78,069 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Accumulated other comprehensive loss: | |||||||||||||||||||||
Net unrealized loss on available-for-sale securities, net of taxes | |||||||||||||||||||||
-6,255 | -10,480 | -26,077 | -28,191 | -2,734 | 993 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Net unrealized loss on available-for-sale securities, net of taxes | -6,255 | -10,480 | -26,077 | -28,191 | -2,734 | 993 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Defined benefit pension plan, net of taxes | |||||||||||||||||||||
1,675 | 2,455 | 3,421 | 3,998 | 3,901 | 4,784 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Defined benefit pension plan, net of taxes | 1,675 | 2,455 | 3,421 | 3,998 | 3,901 | 4,784 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total accumulated other comprehensive loss | |||||||||||||||||||||
-7,930 | -12,935 | -29,498 | -32,189 | -6,635 | -3,791 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total accumulated other comprehensive loss | -7,930 | -12,935 | -29,498 | -32,189 | -6,635 | -3,791 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total stockholders' equity | |||||||||||||||||||||
136,852 | 121,833 | 113,685 | 108,132 | 125,969 | 116,499 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total stockholders' equity | 136,852 | 121,833 | 113,685 | 108,132 | 125,969 | 116,499 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total liabilities and stockholders' equity | |||||||||||||||||||||
1,301,766 | 1,255,765 | 1,313,202 | 1,335,977 | 1,281,166 | 1,128,829 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total liabilities and stockholders' equity | 1,301,766 | 1,255,765 | 1,313,202 | 1,335,977 | 1,281,166 | 1,128,829 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||