Rhinebeck Bancorp, Inc. 2025 Annual Report: Key Highlights for Investors

Ticker: RBKB
Exchange: The NASDAQ Stock Market, LLC
Fiscal Year End: December 31, 2025
Common Shares Outstanding (as of March 13, 2026): 11,140,395

Key Points from the Annual Report

• Annual Report Filed: Rhinebeck Bancorp, Inc. has filed its Form 10-K for the fiscal year ended December 31, 2025, confirming compliance with SEC reporting requirements. The filing is an annual report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
• SEC Classification and Company Status:
  • Not a well-known seasoned issuer
  • Not an accelerated or large accelerated filer
  • Classified as a non-accelerated filer and a smaller reporting company
  • Not an emerging growth company
  • Not a shell company
• Stock Information:
  • Common stock, par value \$0.01 per share
  • Trading symbol: RBKB
  • Listed on The NASDAQ Stock Market, LLC
• Internal Controls and Auditor Statements:
  • The company has not filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (i.e., no outside auditor attestation is included—standard for smaller reporting companies and non-accelerated filers).
• No Restatements or Error Corrections:
  • The filing does not include corrections of errors to previously issued financial statements.
  • No restatements requiring recovery analysis of incentive-based compensation for executives were necessary.
• Regulatory Compliance:
  • The company has filed all reports required by Section 13 or 15(d) of the Securities Exchange Act during the preceding twelve months, and has submitted all Interactive Data Files required by Rule 405 of Regulation S-T.

Potentially Price-Sensitive Information for Shareholders

• Share Structure and Outstanding Shares:
  • As of March 13, 2026, there are 11,140,395 shares of common stock outstanding. Investors should note this number for calculating per-share metrics and understanding potential dilution.
• Exchange Listing and Trading Symbol:
  • Continued listing on NASDAQ (symbol: RBKB) confirms ongoing compliance with exchange requirements, which is positive for liquidity and institutional investment.
• Company Classification:
  • As a non-accelerated filer and a smaller reporting company, Rhinebeck Bancorp is not subject to certain regulatory requirements (e.g., auditor attestation of internal controls). While this reduces compliance costs, some institutional investors may see the lack of external controls as increasing risk.
• No Indication of Regulatory or Financial Restatements:
  • No restatements or error corrections were reported, which is a positive signal regarding management’s financial reporting integrity.
• Emerging Growth and Risk Factors:
  • The company is not an emerging growth company and has not elected to use extended transition periods for new or revised accounting standards. This means Rhinebeck Bancorp is using current standards, reducing uncertainty for investors about future accounting changes.

What Should Shareholders Watch?

• Compliance and Reporting: Rhinebeck Bancorp’s consistent compliance with SEC reporting and exchange requirements supports transparency and market confidence.
• Share Count Changes: Investors should track any future changes in outstanding shares, as this impacts ownership percentages and could have implications for dilution, especially in the context of equity incentive plans and ESOPs referenced in the XBRL data.
• Internal Controls: The lack of auditor attestation on internal controls is typical for smaller reporting companies, but investors should be aware and may wish to review management’s own assessments when available.

Conclusion

The 2025 Annual Report from Rhinebeck Bancorp, Inc. highlights continued regulatory compliance, a stable share structure, and no significant financial restatements or regulatory issues. Shareholders and prospective investors should see these filings as a sign of stable corporate governance, though the lack of external auditor attestation on internal controls might be noted by risk-sensitive investors. There are no alarming or dramatic changes, but ongoing compliance and transparency are positive signals for long-term investors.

Disclaimer: This summary is provided for informational purposes only and does not constitute investment advice or an offer to buy or sell any securities. Investors should review the full SEC filings and consult with their financial advisors before making investment decisions.

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