Rhinebeck Bank
Rhinebeck, NY
IDRSSD: 195111
Total Assets
$1.30B
Latest filing
Total Deposits
$1.12B
Latest filing
Net Interest Margin
3.93%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
221971015RHINEBECK, NY
Key People
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Locations
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Main Office
Rhinebeck Bank
6414 Montgomery St
Rhinebeck, NY 12572
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/12/1860FDIC Certificate 10261
Branches (16)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Rhinebeck Bank (Main) | 6414 Montgomery St | Rhinebeck, NY |
| HYDE PARK BRANCH | 1075 Violet Avenue, Route 9g | Hyde Park, NY |
| RED HOOK BRANCH | 7350 S Broadway | Red Hook, NY |
| ARLINGTON BRANCH | 708 Dutchess Tpke | Poughkeepsie, NY |
| SOUTH ROAD BRANCH | 1898 South Rd | Poughkeepsie, NY |
| MID-HUDSON CENTER BRANCH | 3432 North Road Route 9 | Poughkeepsie, NY |
| KINGSTON BRANCH | 27 Main St | Kingston, NY |
| EAST FISHKILL BRANCH | 2523 Route 52 | Hopewell Junction, NY |
Showing 7 of 16
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 04/12/1860 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 12572 |
| State and County Number | 36027 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Poughkeepsie-Newburgh-Middletown, NY |
Operational Info
| Number of Employees | 167 |
| Domestic Offices | 17 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/01/1943 |
| Primary Insurance Agency | DIF |
| Website | www.rhinebeckbank.com |
| Data Updated | 01/30/2026 |
| CERT | 16032 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.30B |
| Total Deposits | $1.12B |
| Total Liabilities | $1.17B |
| Total Equity Capital | $133.85M |
| Net Income | $2.66M |
| Net Loans and Leases | $953.38M |
| Assets Per Employee ($Millions) | $8.08M |
| Bank Premises and Fixed Assets | $19.61M |
| Cash and Balances due from Depository Institutions | $101.99M |
| Deposits Held in Domestic Offices | $1.12B |
Key Performance Ratios
| Return on Assets (ROA) | 0.81% |
| Return on Equity (ROE) | 8.04% |
| Net Interest Margin | 3.93% |
| Efficiency Ratio | 72.25% |
| Tier 1 Risk-Based Capital Ratio | 13.571% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.284% |
| Earning Assets to total Assets | 92.32% |
Income and Expense
| Total Interest Income | $17.71M |
| Total Noninterest Income | $1.68M |
| Total Interest Expense | $5.84M |
| Total Noninterest Expense | $9.79M |
| Net Interest Income | $11.87M |
| Pre-tax Net Operating Income | $3.25M |
| Provision for Credit Losses | $503.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $25.15M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $27.37M |
| Total Liabilities and Capital | $1.30B |
Securities
| Securities | $162.20M |
| Available-for-sale debt securities | $162.20M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Rhinebeck Bank?
$1.30B as of the latest filing.
How much are Rhinebeck Bank's total deposits?
$1.12B in total deposits.
Where is Rhinebeck Bank located?
Rhinebeck, NY.
What is the Net Interest Margin?
3.93%.
How many domestic offices does it operate?
17.
When was it established?
04/12/1860.
What is the Return on Assets (ROA)?
0.81%.
How much are total loans and leases?
$953.38M (latest filing).
What is the total interest income (latest filing)?
$17.71M.