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Rhinebeck Bank

Rhinebeck, NY
IDRSSD: 195111
Total Assets
$1.32B
Latest filing
Total Deposits
$1.13B
Latest filing
Net Interest Margin
4.04%
Profitability
0

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 ClassState chartered stock savings banks / S&L
Primary RegulatorFDIC
Established Date04/12/1860
Community BankYes
Ownership TypeNot Mutual
ZIP12572
State and County Number36027
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number02
Numeric code41
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictNew York
Core Based Statistical Area NamePoughkeepsie-Newburgh-Middletown, NY

Operational Info

Number of Employees170
Domestic Offices17
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance07/01/1943
Primary Insurance AgencyDIF
Websitewww.rhinebeckbank.com
Data Updated11/14/2025
CERT16032
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$1.32B
Total Deposits$1.13B
Total Liabilities$1.19B
Total Equity Capital$130.47M
Net Income$3.01M
Net Loans and Leases$977.63M
Assets Per Employee ($Millions)$7.88M
Bank Premises and Fixed Assets$21.32M
Cash and Balances due from Depository Institutions$103.47M
Deposits Held in Domestic Offices$1.13B

Key Performance Ratios

Return on Assets (ROA)0.93%
Return on Equity (ROE)9.39%
Net Interest Margin4.04%
Efficiency Ratio67.3%
Tier 1 Risk-Based Capital Ratio13.076%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.28%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.915%
Earning Assets to total Assets92.38%

Income and Expense

Total Interest Income$17.75M
Total Noninterest Income$1.93M
Total Interest Expense$5.68M
Total Noninterest Expense$9.44M
Net Interest Income$12.07M
Pre-tax Net Operating Income$3.66M
Provision for Credit Losses$904.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$26.60M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$30.50M
Total Liabilities and Capital$1.32B

Securities

Securities$148.92M
Available-for-sale debt securities$148.92M
Equity securities with readily determinable fair values not held for trading$0
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?
$1.32B as of the latest filing.
How much are Rhinebeck Bank's total deposits?
$1.13B in total deposits.
Where is Rhinebeck Bank located?
Rhinebeck, NY.
What is the Net Interest Margin?
4.04%.
How many domestic offices does it operate?
17.
When was it established?
04/12/1860.
What is the Return on Assets (ROA)?
0.93%.
How much are total loans and leases?
$977.63M (latest filing).
What is the total interest income (latest filing)?
$17.75M.