Rhinebeck Bancorp Inc
rhinebeckbank.comRhinebeck Bancorp Inc (NASDAQ: RBKB) is a community banking company that operates Rhinebeck Bank, a retail and commercial bank serving individuals and businesses. It earns revenue primarily through net interest income on loans and deposits, with supplemental fee income from wealth management services. Rhinebeck Bank originates residential real estate loans, commercial loans, and consumer loans, funding them through core deposits and Federal Home Loan Bank of New York borrowings. The bank operates a wealth management division, Rhinebeck Asset Management, which had approximately $243.0 million in assets under management as of December 31, 2025, offering brokerage, retirement planning, financial planning, life insurance, and investment products. Strategy as of the 10-K filed 2026-03-13 emphasizes a shift toward commercial lending while maintaining a retail banking franchise as the primary source of core deposit growth. The bank supplements its loan portfolio through third-party consumer and residential lending partnerships.
Products & Services
Retail banking deposits; residential real estate loans; commercial loans; consumer loans; third-party originated consumer and residential loans; brokerage services; retirement planning; financial planning; life insurance; investment products (stocks, bonds, exchange-traded products); wealth management through Rhinebeck Asset Management division.
Revenue Model
Net interest income from loans (residential real estate, commercial, consumer) funded by deposits and FHLB borrowings; fee income from Rhinebeck Asset Management wealth management services including transaction fees and advisory services on approximately $243.0 million in assets under management (as of December 31, 2025).
Customers & Markets
Individual consumers and businesses within Rhinebeck Bank's local market area; retail banking depositors; commercial borrowers; wealth management clients served through Rhinebeck Asset Management.
Geographic Exposure
Local market area served by Rhinebeck Bank; specific geographic footprint not quantified in the filing excerpts provided.
Financial Snapshot
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