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Rhinebeck Bancorp Inc is the holding company for Rhinebeck Bank, which is a New York-chartered stock savings bank. It provides a full range of banking and financial services to consumer and commercial customers. Financial services, including investment advisory and financial product sales, are offered through a division of the Bank doing business as Rhinebeck Asset Management. The Bank's primary business activity is accepting deposits from the general public and using those funds together with borrowings, to originate commercial real estate loans (which include multi-family real estate loans and commercial construction loans), commercial business loans and indirect automobile loans, and to purchase one- to four-family residential real estate loans and investment securities.

Founded: 1860 Country:
United States
United States
Employees: N/A City: POUGHKEEPSIE
Market Cap: 185.5M IPO Year: 2018
Target Price: N/A AVG Volume (30 days): 23.6K
Analyst Decision: N/A Number of Analysts: N/A
Dividend Yield:
N/A
Dividend Payout Frequency: N/A
EPS: 0.20 EPS Growth: 215.00
52 Week Low/High: $9.41 - $17.99 Next Earning Date: 04-23-2026
Revenue: $2,984,000 Revenue Growth: -0.60%
Revenue Growth (this year): N/A Revenue Growth (next year): N/A
P/E Ratio: 87.95 Index: N/A
Free Cash Flow: 10.9M FCF Growth: N/A

AI-Powered RBKB Daily Prediction

Machine learning model trained on 25+ technical indicators

Updated 3 days ago

AI Recommendation

sell
Model Accuracy: 74.15%
74.15%
Confidence

Disclaimer: This prediction is generated by an AI model and should not be considered as financial advice. Always conduct your own research and consult with financial professionals before making investment decisions.

Stock Insider Trading Activity of Rhinebeck Bancorp Inc. (RBKB)

Bronzi Philip J

1st SVP, Com Mkt Pres

Sell
RBKB May 19, 2026

Avg Cost/Share

$15.92

Shares

4,162

Total Value

$66,238.23

Owned After

0

SEC Form 4

Earnings Transcripts

SEC 8-K filings with transcript text

View All
2025
Q4

Q4 2025 Earnings

8-K BUY

Jan 29, 2026 · 100% conf.

AI Prediction BUY

1D

+1.12%

$12.03

Act: +0.00%

5D

+2.82%

$12.24

Act: +7.48%

20D

+5.39%

$12.54

Act: +36.64%

Price: $11.90 Prob +5D: 100% AUC: 1.000
0001751783-26-000002

Rhinebeck Bancorp, Inc_January 29, 2026 0001751783false00017517832026-01-292026-01-29

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

​ Date of Report (Date of earliest event reported): January 29, 2026 ​ Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ​ ​ ​

Maryland ​ ​ 001-38779 ​ 83-2117268

(State or Other Jurisdiction) of Incorporation) ​ ​ (Commission File No.) ​ (I.R.S. Employer Identification No.)

​ ​ ​ ​ ​ ​

2 Jefferson Plaza, Poughkeepsie, New York ​ 12601

(Address of Principal Executive Offices) ​ (Zip Code)

​ ​ Registrant’s telephone number, including area code:(845) 454-8555 ​ Not Applicable (Former name or former address, if changed since last report) ​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class ​ Trading Symbol(s) ​ Name of each exchange on which registered

Common Stock, par value $0.01 per share ​

RBKB

​ The NASDAQ Stock Market, LLC

​ ​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): ​ ☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ​ ☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ​ ☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ​ ☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ​ ​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

​ Item 2.02Results of Operations and Financial Condition. ​ On January 29, 2026, Rhinebeck Bancorp, Inc. issued a press release announcing 2025 fourth quarter and year-end financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended. ​ Item 9.01Financial Statements and Exhibits. ​ (d)Exhibits: ​ 99.1​ ​Rhinebeck Bancorp, Inc. Press Release dated January 29, 2026. 104Cover Page Interactive Data File (embedded within the inline XBRL). ​ ​ ​ ​

SIGNATURES

​ ​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

RHINEBECK BANCORP, INC.

​ ​

​ ​

​ ​

DATE: January 29, 2026 By: /s/ Kevin Nihill

​ Kevin Nihill

​ Chief Financial Officer

​ ​ ​ ​

2025
Q3

Q3 2025 Earnings

8-K

Oct 28, 2025

0001751783-25-000050

Rhinebeck Bancorp, Inc_October 28, 2025 0001751783false00017517832025-10-282025-10-28

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

​ Date of Report (Date of earliest event reported): October 28, 2025 ​ Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ​ ​ ​

Maryland ​ ​ 001-38779 ​ 83-2117268

(State or Other Jurisdiction) of Incorporation) ​ ​ (Commission File No.) ​ (I.R.S. Employer Identification No.)

​ ​ ​ ​ ​ ​

2 Jefferson Plaza, Poughkeepsie, New York ​ 12601

(Address of Principal Executive Offices) ​ (Zip Code)

​ ​ Registrant’s telephone number, including area code:(845) 454-8555 ​ Not Applicable (Former name or former address, if changed since last report) ​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class ​ Trading Symbol(s) ​ Name of each exchange on which registered

Common Stock, par value $0.01 per share ​

RBKB

​ The NASDAQ Stock Market, LLC

​ ​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): ​ ☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ​ ☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ​ ☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ​ ☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ​ ​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

​ Item 2.02Results of Operations and Financial Condition. ​ On October 28, 2025, Rhinebeck Bancorp, Inc. issued a press release announcing 2025 third quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended. ​ Item 9.01Financial Statements and Exhibits. ​ (d)Exhibits: ​ 99.1​ ​Rhinebeck Bancorp, Inc. Press Release dated October 28, 2025. 104Cover Page Interactive Data File (embedded within the inline XBRL). ​ ​ ​ ​

SIGNATURES

​ ​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

RHINEBECK BANCORP, INC.

​ ​

​ ​

​ ​

DATE: October 28, 2025 By: /s/ Kevin Nihill

​ Kevin Nihill

​ Chief Financial Officer

​ ​ ​ ​

2025
Q2

Q2 2025 Earnings

8-K

Jul 24, 2025

0001751783-25-000035

Rhinebeck Bancorp, Inc_July 24, 2025 0001751783false00017517832025-07-242025-07-24

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

​ Date of Report (Date of earliest event reported): July 24, 2025 ​ Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ​ ​ ​

Maryland ​ ​ 001-38779 ​ 83-2117268

(State or Other Jurisdiction) of Incorporation) ​ ​ (Commission File No.) ​ (I.R.S. Employer Identification No.)

​ ​ ​ ​ ​ ​

2 Jefferson Plaza, Poughkeepsie, New York ​ 12601

(Address of Principal Executive Offices) ​ (Zip Code)

​ ​ Registrant’s telephone number, including area code:(845) 454-8555 ​ Not Applicable (Former name or former address, if changed since last report) ​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class ​ Trading Symbol(s) ​ Name of each exchange on which registered

Common Stock, par value $0.01 per share ​

RBKB

​ The NASDAQ Stock Market, LLC

​ ​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): ​ ☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ​ ☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ​ ☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ​ ☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ​ ​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

​ Item 2.02Results of Operations and Financial Condition. ​ On July 24, 2025, Rhinebeck Bancorp, Inc. issued a press release announcing 2025 second quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended. ​ Item 9.01Financial Statements and Exhibits. ​ (d)Exhibits: ​ 99.1​ ​Rhinebeck Bancorp, Inc. Press Release dated July 24, 2025. 104Cover Page Interactive Data File (embedded within the inline XBRL). ​ ​ ​ ​

SIGNATURES

​ ​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

RHINEBECK BANCORP, INC.

​ ​

​ ​

​ ​

DATE: July 24, 2025 By: /s/ Kevin Nihill

​ Kevin Nihill

​ Chief Financial Officer

​ ​ ​ ​

2025
Q1

Q1 2025 Earnings

8-K

Apr 24, 2025

0001751783-25-000023

Rhinebeck Bancorp, Inc_April 24, 2025 0001751783false00017517832025-04-242025-04-24

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

​ Date of Report (Date of earliest event reported): April 24, 2025 ​ Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ​ ​ ​

Maryland ​ ​ 001-38779 ​ 83-2117268

(State or Other Jurisdiction) of Incorporation) ​ ​ (Commission File No.) ​ (I.R.S. Employer Identification No.)

​ ​ ​ ​ ​ ​

2 Jefferson Plaza, Poughkeepsie, New York ​ 12601

(Address of Principal Executive Offices) ​ (Zip Code)

​ ​ Registrant’s telephone number, including area code:(845) 454-8555 ​ Not Applicable (Former name or former address, if changed since last report) ​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class ​ Trading Symbol(s) ​ Name of each exchange on which registered

Common Stock, par value $0.01 per share ​

RBKB

​ The NASDAQ Stock Market, LLC

​ ​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): ​ ☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ​ ☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ​ ☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ​ ☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ​ ​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

​ Item 2.02Results of Operations and Financial Condition. ​ On April 24, 2025, Rhinebeck Bancorp, Inc. issued a press release announcing 2025 first quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended. ​ Item 9.01Financial Statements and Exhibits. ​ (d)Exhibits: ​ 99.1​ ​Rhinebeck Bancorp, Inc. Press Release dated April 24, 2025. 104Cover Page Interactive Data File (embedded within the inline XBRL). ​ ​ ​ ​

SIGNATURES

​ ​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

RHINEBECK BANCORP, INC.

​ ​

​ ​

​ ​

DATE: April 24, 2025 By: /s/ Michael J. Quinn

​ Michael J. Quinn

​ President and Chief Executive Officer

​ ​ ​ ​

2024
Q4

Q4 2024 Earnings

8-K

Jan 30, 2025

0001751783-25-000003

Rhinebeck Bancorp, Inc_January 30, 2025 0001751783false00017517832025-01-302025-01-30

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

​ Date of Report (Date of earliest event reported): January 30, 2025 ​ Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ​ ​ ​

Maryland ​ ​ 001-38779 ​ 83-2117268

(State or Other Jurisdiction) of Incorporation) ​ ​ (Commission File No.) ​ (I.R.S. Employer Identification No.)

​ ​ ​ ​ ​ ​

2 Jefferson Plaza, Poughkeepsie, New York ​ 12601

(Address of Principal Executive Offices) ​ (Zip Code)

​ ​ Registrant’s telephone number, including area code:(845) 454-8555 ​ Not Applicable (Former name or former address, if changed since last report) ​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class ​ Trading Symbol(s) ​ Name of each exchange on which registered

Common Stock, par value $0.01 per share ​

RBKB

​ The NASDAQ Stock Market, LLC

​ ​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): ​ ☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ​ ☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ​ ☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ​ ☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ​ ​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

​ Item 2.02Results of Operations and Financial Condition. ​ On January 30,2025, Rhinebeck Bancorp, Inc. issued a press release announcing 2024 fourth quarter and year-end financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended. ​ Item 9.01Financial Statements and Exhibits. ​ (d)Exhibits: ​ 99.1​ ​Rhinebeck Bancorp, Inc. Press Release dated January 30, 2025. 104Cover Page Interactive Data File (embedded within the inline XBRL). ​ ​ ​ ​

SIGNATURES

​ ​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

RHINEBECK BANCORP, INC.

​ ​

​ ​

​ ​

DATE: January 30, 2025 By: /s/ Michael J. Quinn

​ Michael J. Quinn

​ President and Chief Executive Officer

​ ​ ​ ​

2024
Q3

Q3 2024 Earnings

8-K

Dec 26, 2024

0001751783-24-000049

Rhinebeck Bancorp, Inc_December 26, 2024 0001751783false00017517832024-12-262024-12-26

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

​ Date of Report (Date of earliest event reported): December 26, 2024 ​ Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ​ ​ ​

Maryland ​ ​ 001-38779 ​ 83-2117268

(State or Other Jurisdiction) of Incorporation) ​ ​ (Commission File No.) ​ (I.R.S. Employer Identification No.)

​ ​ ​ ​ ​ ​

2 Jefferson Plaza, Poughkeepsie, New York ​ 12601

(Address of Principal Executive Offices) ​ (Zip Code)

​ ​ Registrant’s telephone number, including area code:(845) 454-8555 ​ Not Applicable (Former name or former address, if changed since last report) ​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class ​ Trading Symbol(s) ​ Name of each exchange on which registered

Common Stock, par value $0.01 per share ​

RBKB

​ The NASDAQ Stock Market, LLC

​ ​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): ​ ☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ​ ☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ​ ☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ​ ☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ​ ​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

Item 2.02Results of Operation and Financial Condition. ​ On December 26, 2024, Rhinebeck Bancorp, Inc. issued a press release announcing a recent balance sheet repositioning related to its investment securities portfolio. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended. ​ Item 9.01Financial Statements and Exhibits. ​ (d)Exhibits: ​ 99.1​ ​Rhinebeck Bancorp, Inc. Press Release dated December 26, 2024. 104Cover Page Interactive Data File (embedded within the inline XBRL). ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

SIGNATURES

​ ​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

RHINEBECK BANCORP, INC.

​ ​

​ ​

​ ​

DATE: December 26, 2024 By: /s/ Kevin Nihill

​ Kevin Nihill

​ Chief Financial Officer

​ ​ ​ ​

2024
Q3

Q3 2024 Earnings

8-K

Oct 24, 2024

0001751783-24-000042

0001751783false00017517832024-10-242024-10-24

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

​ Date of Report (Date of earliest event reported): October 24, 2024 ​ Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ​ ​ ​

Maryland ​ ​ 001-38779 ​ 83-2117268

(State or Other Jurisdiction) of Incorporation) ​ ​ (Commission File No.) ​ (I.R.S. Employer Identification No.)

​ ​ ​ ​ ​ ​

2 Jefferson Plaza, Poughkeepsie, New York ​ 12601

(Address of Principal Executive Offices) ​ (Zip Code)

​ ​ Registrant’s telephone number, including area code:(845) 454-8555 ​ Not Applicable (Former name or former address, if changed since last report) ​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class ​ Trading Symbol(s) ​ Name of each exchange on which registered

Common Stock, par value $0.01 per share ​

RBKB

​ The NASDAQ Stock Market, LLC

​ ​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): ​ ☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ​ ☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ​ ☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ​ ☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ​ ​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

​ Item 2.02Results of Operations and Financial Condition. ​ On October 24, 2024, Rhinebeck Bancorp, Inc. issued a press release announcing 2024 third quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended. ​ Item 9.01Financial Statements and Exhibits. ​ (d)Exhibits: ​ 99.1​ ​Rhinebeck Bancorp, Inc. Press Release dated October 24, 2024. 104Cover Page Interactive Data File (embedded within the inline XBRL). ​ ​ ​ ​

SIGNATURES

​ ​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

RHINEBECK BANCORP, INC.

​ ​

​ ​

​ ​

DATE: October 24, 2024 By: /s/ Michael J. Quinn

​ Michael J. Quinn

​ President and Chief Executive Officer

​ ​ ​ ​

2024
Q2

Q2 2024 Earnings

8-K

Sep 27, 2024

0000943374-24-000395

false333-2272660001751783NASDAQ00017517832024-09-272024-09-27

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): September 27, 2024

Rhinebeck Bancorp, Inc.

(Exact Name of Registrant as Specified in Charter)

Maryland

001-38779

83-2117268

(State or Other Jurisdiction

of Incorporation)

(Commission File No.)

(I.R.S. Employer

Identification No.)

2 Jefferson Plaza, Poughkeepsie, New York

12601

(Address of Principal Executive Offices)

(Zip Code)

Registrant’s telephone number, including area code:  (845) 454-8555

Not Applicable

(Former name or former address, if changed since last report)

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading

Symbol(s)

Name of each exchange on which registered

Common Stock, par value $0.01 per share

RBKB

The NASDAQ Stock Market, LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operation and Financial Condition

On September 27, 2024, Rhinebeck Bancorp, Inc., issued a press release regarding a recent balance sheet restructuring related to its investment securities portfolio.  A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits

(d)

Exhibits

Exhibit No.

Description

99.1

Press Release dated September 27, 2024.

104.1

The cover page for this Current Report on Form 8-K, formatted in Inline XBRL.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

RHINEBECK BANCORP, INC.

DATE: September 27, 2024

/s/ Kevin Nihill

Kevin Nihill

Chief Financial Officer

2024
Q2

Q2 2024 Earnings

8-K

Jul 25, 2024

0001751783-24-000034

0001751783false00017517832024-07-252024-07-25

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

​ Date of Report (Date of earliest event reported): July 25, 2024 ​ Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ​ ​ ​

Maryland ​ ​ 001-38779 ​ 83-2117268

(State or Other Jurisdiction) of Incorporation) ​ ​ (Commission File No.) ​ (I.R.S. Employer Identification No.)

​ ​ ​ ​ ​ ​

2 Jefferson Plaza, Poughkeepsie, New York ​ 12601

(Address of Principal Executive Offices) ​ (Zip Code)

​ ​ Registrant’s telephone number, including area code:(845) 454-8555 ​ Not Applicable (Former name or former address, if changed since last report) ​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class ​ Trading Symbol(s) ​ Name of each exchange on which registered

Common Stock, par value $0.01 per share ​

RBKB

​ The NASDAQ Stock Market, LLC

​ ​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): ​ ☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ​ ☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ​ ☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ​ ☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ​ ​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

​ Item 2.02Results of Operations and Financial Condition. ​ On July 25, 2024, Rhinebeck Bancorp, Inc. issued a press release announcing 2024 second quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended. ​ Item 9.01Financial Statements and Exhibits. ​ (d)Exhibits: ​ 99.1​ ​Rhinebeck Bancorp, Inc. Press Release dated July 25, 2024. 104Cover Page Interactive Data File (embedded within the inline XBRL). ​ ​ ​ ​

SIGNATURES

​ ​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

RHINEBECK BANCORP, INC.

​ ​

​ ​

​ ​

DATE: July 25, 2024 By: /s/ Michael J. Quinn

​ Michael J. Quinn

​ President and Chief Executive Officer

​ ​ ​ ​

2024
Q1

Q1 2024 Earnings

8-K

Apr 25, 2024

0001751783-24-000022

0001751783false00017517832024-04-252024-04-25

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

​ Date of Report (Date of earliest event reported): April 25, 2024 ​ Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ​ ​ ​

Maryland ​ ​ 001-38779 ​ 83-2117268

(State or Other Jurisdiction) of Incorporation) ​ ​ (Commission File No.) ​ (I.R.S. Employer Identification No.)

​ ​ ​ ​ ​ ​

2 Jefferson Plaza, Poughkeepsie, New York ​ 12601

(Address of Principal Executive Offices) ​ (Zip Code)

​ ​ Registrant’s telephone number, including area code:(845) 454-8555 ​ Not Applicable (Former name or former address, if changed since last report) ​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class ​ Trading Symbol(s) ​ Name of each exchange on which registered

Common Stock, par value $0.01 per share ​

RBKB

​ The NASDAQ Stock Market, LLC

​ ​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): ​ ☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ​ ☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ​ ☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ​ ☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ​ ​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

​ Item 2.02Results of Operations and Financial Condition. ​ On April 25, 2024, Rhinebeck Bancorp, Inc. issued a press release announcing 2024 first quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended. ​ Item 9.01Financial Statements and Exhibits. ​ (d)Exhibits: ​ 99.1​ ​Rhinebeck Bancorp, Inc. Press Release dated April 25, 2024. 104Cover Page Interactive Data File (embedded within the inline XBRL). ​ ​ ​ ​

SIGNATURES

​ ​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

RHINEBECK BANCORP, INC.

​ ​

​ ​

​ ​

DATE: April 25, 2024 By: /s/ Michael J. Quinn

​ Michael J. Quinn

​ President and Chief Executive Officer

​ ​ ​ ​

2023
Q4

Q4 2023 Earnings

8-K

Jan 25, 2024

0001751783-24-000003

0001751783false00017517832024-01-252024-01-25

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

​ Date of Report (Date of earliest event reported): January 25, 2024 ​ Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ​ ​ ​

Maryland ​ ​ 001-38779 ​ 83-2117268

(State or Other Jurisdiction) of Incorporation) ​ ​ (Commission File No.) ​ (I.R.S. Employer Identification No.)

​ ​ ​ ​ ​ ​

2 Jefferson Plaza, Poughkeepsie, New York ​ 12601

(Address of Principal Executive Offices) ​ (Zip Code)

​ ​ Registrant’s telephone number, including area code:(845) 454-8555 ​ Not Applicable (Former name or former address, if changed since last report) ​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class ​ Trading Symbol(s) ​ Name of each exchange on which registered

Common Stock, par value $0.01 per share ​

RBKB

​ The NASDAQ Stock Market, LLC

​ ​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): ​ ☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ​ ☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ​ ☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ​ ☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ​ ​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

​ Item 2.02Results of Operations and Financial Condition. ​ On January 25, 2024, Rhinebeck Bancorp, Inc. issued a press release announcing 2023 fourth quarter and year-end financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended. ​ Item 9.01Financial Statements and Exhibits. ​ (d)Exhibits: ​ 99.1​ ​Rhinebeck Bancorp, Inc. Press Release dated January 25, 2024. 104Cover Page Interactive Data File (embedded within the inline XBRL). ​ ​ ​ ​

SIGNATURES

​ ​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

RHINEBECK BANCORP, INC.

​ ​

​ ​

​ ​

DATE: January 25, 2024 By: /s/ Michael J. Quinn

​ Michael J. Quinn

​ President and Chief Executive Officer

​ ​ ​ ​

2023
Q3

Q3 2023 Earnings

8-K

Oct 26, 2023

0001751783-23-000035

0001751783false00017517832023-10-262023-10-26

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

​ Date of Report (Date of earliest event reported): October 26, 2023 ​ Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ​ ​ ​

Maryland ​ ​ 001-38779 ​ 83-2117268

(State or Other Jurisdiction) of Incorporation) ​ ​ (Commission File No.) ​ (I.R.S. Employer Identification No.)

​ ​ ​ ​ ​ ​

2 Jefferson Plaza, Poughkeepsie, New York ​ 12601

(Address of Principal Executive Offices) ​ (Zip Code)

​ ​ Registrant’s telephone number, including area code:(845) 454-8555 ​ Not Applicable (Former name or former address, if changed since last report) ​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class ​ Trading Symbol(s) ​ Name of each exchange on which registered

Common Stock, par value $0.01 per share ​

RBKB

​ The NASDAQ Stock Market, LLC

​ ​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): ​ ☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ​ ☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ​ ☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ​ ☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ​ ​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

​ Item 2.02 Results of Operations and Financial Condition.

​ On October 26, 2023, Rhinebeck Bancorp, Inc. issued a press release announcing 2023 third quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended. ​ Item 9.01Financial Statements and Exhibits. ​ (d)Exhibits: ​ 99.1​ ​Rhinebeck Bancorp, Inc. Press Release dated October 26, 2023. 104Cover Page Interactive Data File (embedded within the inline XBRL). ​ ​ ​ ​

SIGNATURES

​ ​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

RHINEBECK BANCORP, INC.

​ ​

​ ​

​ ​

DATE: October 26, 2023 By: /s/ Michael J. Quinn

​ Michael J. Quinn

​ President and Chief Executive Officer

​ ​ ​ ​

2023
Q2

Q2 2023 Earnings

8-K

Jul 27, 2023

0001751783-23-000029

0001751783false00017517832023-07-272023-07-27

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

​ Date of Report (Date of earliest event reported): July 27, 2023 ​ Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ​ ​ ​

Maryland ​ ​ 001-38779 ​ 83-2117268

(State or Other Jurisdiction) of Incorporation) ​ ​ (Commission File No.) ​ (I.R.S. Employer Identification No.)

​ ​ ​ ​ ​ ​

2 Jefferson Plaza, Poughkeepsie, New York ​ 12601

(Address of Principal Executive Offices) ​ (Zip Code)

​ ​ Registrant’s telephone number, including area code:(845) 454-8555 ​ Not Applicable (Former name or former address, if changed since last report) ​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class ​ Trading Symbol(s) ​ Name of each exchange on which registered

Common Stock, par value $0.01 per share ​

RBKB

​ The NASDAQ Stock Market, LLC

​ ​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): ​ ☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ​ ☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ​ ☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ​ ☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ​ ​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

​ Item 2.02 Results of Operations and Financial Condition.

​ On July 27, 2023, Rhinebeck Bancorp, Inc. issued a press release announcing 2023 second quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended. ​ Item 9.01Financial Statements and Exhibits. ​ (d)Exhibits: ​ 99.1​ ​Rhinebeck Bancorp, Inc. Press Release dated July 27, 2023. 104Cover Page Interactive Data File (embedded within the inline XBRL). ​ ​ ​ ​

SIGNATURES

​ ​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

RHINEBECK BANCORP, INC.

​ ​

​ ​

​ ​

DATE: July 27, 2023 By: /s/ Michael J. Quinn

​ Michael J. Quinn

​ President and Chief Executive Officer

​ ​ ​ ​

2023
Q1

Q1 2023 Earnings

8-K

Apr 27, 2023

0001751783-23-000016

0001751783false00017517832023-04-272023-04-27

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

​ Date of Report (Date of earliest event reported): April 27, 2023 ​ Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ​ ​ ​

Maryland ​ ​ 001-38779 ​ 83-2117268

(State or Other Jurisdiction) of Incorporation) ​ ​ (Commission File No.) ​ (I.R.S. Employer Identification No.)

​ ​ ​ ​ ​ ​

2 Jefferson Plaza, Poughkeepsie, New York ​ 12601

(Address of Principal Executive Offices) ​ (Zip Code)

​ ​ Registrant’s telephone number, including area code:(845) 454-8555 ​ Not Applicable (Former name or former address, if changed since last report) ​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class ​ Trading Symbol(s) ​ Name of each exchange on which registered

Common Stock, par value $0.01 per share ​

RBKB

​ The NASDAQ Stock Market, LLC

​ ​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): ​ ☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ​ ☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ​ ☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ​ ☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ​ ​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

​ Item 2.02 Results of Operations and Financial Condition.

​ On April 27, 2023, Rhinebeck Bancorp, Inc. issued a press release announcing 2023 first quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended. ​ Item 9.01Financial Statements and Exhibits. ​ (d)Exhibits: ​ 99.1​ ​Rhinebeck Bancorp, Inc. Press Release dated April 27, 2023. 104Cover Page Interactive Data File (embedded within the inline XBRL). ​ ​ ​ ​

SIGNATURES

​ ​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

RHINEBECK BANCORP, INC.

​ ​

​ ​

​ ​

DATE: April 27, 2023 By: /s/ Michael J. Quinn

​ Michael J. Quinn

​ President and Chief Executive Officer

​ ​ ​ ​

2022
Q4

Q4 2022 Earnings

8-K

Jan 26, 2023

0001751783-23-000003

0001751783false00017517832023-01-262023-01-26

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

​ Date of Report (Date of earliest event reported): January 26, 2023 ​ Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ​ ​ ​

Maryland ​ ​ 001-38779 ​ 83-2117268

(State or Other Jurisdiction) of Incorporation) ​ ​ (Commission File No.) ​ (I.R.S. Employer Identification No.)

​ ​ ​ ​ ​ ​

2 Jefferson Plaza, Poughkeepsie, New York ​ 12601

(Address of Principal Executive Offices) ​ (Zip Code)

​ ​ Registrant’s telephone number, including area code:(845) 454-8555 ​ Not Applicable (Former name or former address, if changed since last report) ​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class ​ Trading Symbol(s) ​ Name of each exchange on which registered

Common Stock, par value $0.01 per share ​

RBKB

​ The NASDAQ Stock Market, LLC

​ ​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): ​ ☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ​ ☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ​ ☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ​ ☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ​ ​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

​ Item 2.02 Results of Operations and Financial Condition.

​ On January 26, 2023, Rhinebeck Bancorp, Inc. issued a press release announcing 2022 fourth quarter and year-end financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended. ​ Item 9.01Financial Statements and Exhibits. ​ (d)Exhibits: ​ 99.1​ ​Rhinebeck Bancorp, Inc. Press Release dated January 26, 2023. 104Cover Page Interactive Data File (embedded within the inline XBRL). ​ ​ ​ ​

SIGNATURES

​ ​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

RHINEBECK BANCORP, INC.

​ ​

​ ​

​ ​

DATE: January 26, 2023 By: /s/ Michael J. Quinn

​ Michael J. Quinn

​ President and Chief Executive Officer

​ ​ ​ ​

2022
Q3

Q3 2022 Earnings

8-K

Oct 27, 2022

0001751783-22-000039

0001751783false00017517832022-10-272022-10-27

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

​ Date of Report (Date of earliest event reported): October 27, 2022 ​ Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ​ ​ ​

Maryland ​ ​ 001-38779 ​ 83-2117268

(State or Other Jurisdiction) of Incorporation) ​ ​ (Commission File No.) ​ (I.R.S. Employer Identification No.)

​ ​ ​ ​ ​ ​

2 Jefferson Plaza, Poughkeepsie, New York ​ 12601

(Address of Principal Executive Offices) ​ (Zip Code)

​ ​ Registrant’s telephone number, including area code:(845) 454-8555 ​ Not Applicable (Former name or former address, if changed since last report) ​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class ​ Trading Symbol(s) ​ Name of each exchange on which registered

Common Stock, par value $0.01 per share ​

RBKB

​ The NASDAQ Stock Market, LLC

​ ​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): ​ ☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ​ ☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ​ ☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ​ ☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ​ ​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

​ Item 2.02 Results of Operations and Financial Condition.

​ On October 27, 2022, Rhinebeck Bancorp, Inc. issued a press release announcing 2022 third quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended. ​ Item 9.01Financial Statements and Exhibits. ​ (d)Exhibits: ​ 99.1​ ​Rhinebeck Bancorp, Inc. Press Release dated October 27, 2022. 104Cover Page Interactive Data File (embedded within the inline XBRL). ​ ​ ​ ​

SIGNATURES

​ ​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

RHINEBECK BANCORP, INC.

​ ​

​ ​

​ ​

DATE: October 27, 2022 By: /s/ Michael J. Quinn

​ Michael J. Quinn

​ President and Chief Executive Officer

​ ​ ​ ​

2022
Q2

Q2 2022 Earnings

8-K

Jul 28, 2022

0001751783-22-000026

0001751783false00017517832022-07-282022-07-28

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

​ Date of Report (Date of earliest event reported): July 28, 2022 ​ Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ​ ​ ​

Maryland ​ ​ 001-38779 ​ 83-2117268

(State or Other Jurisdiction) of Incorporation) ​ ​ (Commission File No.) ​ (I.R.S. Employer Identification No.)

​ ​ ​ ​ ​ ​

2 Jefferson Plaza, Poughkeepsie, New York ​ 12601

(Address of Principal Executive Offices) ​ (Zip Code)

​ ​ Registrant’s telephone number, including area code:(845) 454-8555 ​ Not Applicable (Former name or former address, if changed since last report) ​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class ​ Trading Symbol(s) ​ Name of each exchange on which registered

Common Stock, par value $0.01 per share ​

RBKB

​ The NASDAQ Stock Market, LLC

​ ​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): ​ ☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ​ ☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ​ ☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ​ ☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ​ ​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

​ Item 2.02 Results of Operations and Financial Condition.

​ On July 28, 2022, Rhinebeck Bancorp, Inc. issued a press release announcing 2022 second quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended. ​ Item 9.01Financial Statements and Exhibits. ​ (d)Exhibits: ​ 99.1​ ​Rhinebeck Bancorp, Inc. Press Release dated July 28, 2022. 104Cover Page Interactive Data File (embedded within the inline XBRL). ​ ​ ​ ​

SIGNATURES

​ ​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

RHINEBECK BANCORP, INC.

​ ​

​ ​

​ ​

DATE: July 28, 2022 By: /s/ Michael J. Quinn

​ Michael J. Quinn

​ President and Chief Executive Officer

​ ​ ​ ​

2022
Q1

Q1 2022 Earnings

8-K

Apr 28, 2022

0001751783-22-000014

0001751783false00017517832022-04-282022-04-28

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

​ Date of Report (Date of earliest event reported): April 28, 2022 ​ Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ​ ​ ​

Maryland ​ ​ 001-38779 ​ 83-2117268

(State or Other Jurisdiction) of Incorporation) ​ ​ (Commission File No.) ​ (I.R.S. Employer Identification No.)

​ ​ ​ ​ ​ ​

2 Jefferson Plaza, Poughkeepsie, New York ​ 12601

(Address of Principal Executive Offices) ​ (Zip Code)

​ ​ Registrant’s telephone number, including area code:(845) 454-8555 ​ Not Applicable (Former name or former address, if changed since last report) ​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class ​ Trading Symbol(s) ​ Name of each exchange on which registered

Common Stock, par value $0.01 per share ​

RBKB

​ The NASDAQ Stock Market, LLC

​ ​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): ​ ☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ​ ☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ​ ☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ​ ☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ​ ​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

​ Item 2.02 Results of Operations and Financial Condition.

​ On April 28, 2022, Rhinebeck Bancorp, Inc. issued a press release announcing 2022 first quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended. ​ Item 9.01Financial Statements and Exhibits. ​ (d)Exhibits: ​ 99.1​ ​Rhinebeck Bancorp, Inc. Press Release dated April 28, 2022. 104Cover Page Interactive Data File (embedded within the inline XBRL). ​ ​ ​ ​

SIGNATURES

​ ​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

RHINEBECK BANCORP, INC.

​ ​

​ ​

​ ​

DATE: April 28, 2022 By: /s/ Michael J. Quinn

​ Michael J. Quinn

​ President and Chief Executive Officer

​ ​ ​ ​

2021
Q4

Q4 2021 Earnings

8-K

Jan 27, 2022

0001751783-22-000003

0001751783false00017517832022-01-272022-01-27

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

​ Date of Report (Date of earliest event reported): January 27, 2022 ​ Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ​ ​ ​

Maryland ​ ​ 001-38779 ​ 83-2117268

(State or Other Jurisdiction) of Incorporation) ​ ​ (Commission File No.) ​ (I.R.S. Employer Identification No.)

​ ​ ​ ​ ​ ​

2 Jefferson Plaza, Poughkeepsie, New York ​ 12601

(Address of Principal Executive Offices) ​ (Zip Code)

​ ​ Registrant’s telephone number, including area code:(845) 454-8555 ​ Not Applicable (Former name or former address, if changed since last report) ​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class ​ Trading Symbol(s) ​ Name of each exchange on which registered

Common Stock, par value $0.01 per share ​

RBKB

​ The NASDAQ Stock Market, LLC

​ ​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): ​ ☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ​ ☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ​ ☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ​ ☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ​ ​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

​ Item 2.02 Results of Operations and Financial Condition.

​ On January 27, 2022, Rhinebeck Bancorp, Inc. issued a press release announcing 2021 fourth quarter and year-end financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended. ​ Item 9.01Financial Statements and Exhibits. ​ (d)Exhibits: ​ 99.1​ ​Rhinebeck Bancorp, Inc. Press Release dated January 27, 2022. 104Cover Page Interactive Data File (embedded within the inline XBRL). ​ ​ ​ ​

SIGNATURES

​ ​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

RHINEBECK BANCORP, INC.

​ ​

​ ​

​ ​

DATE: January 27, 2022 By: /s/ Michael J. Quinn

​ Michael J. Quinn

​ President and Chief Executive Officer

​ ​ ​ ​

2021
Q3

Q3 2021 Earnings

8-K

Oct 28, 2021

0001751783-21-000040

0001751783false00017517832021-10-282021-10-28

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

​ Date of Report (Date of earliest event reported): October 28, 2021 ​ Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ​ ​ ​

Maryland ​ ​ 001-38779 ​ 83-2117268

(State or Other Jurisdiction) of Incorporation) ​ ​ (Commission File No.) ​ (I.R.S. Employer Identification No.)

​ ​ ​ ​ ​ ​

2 Jefferson Plaza, Poughkeepsie, New York ​ 12601

(Address of Principal Executive Offices) ​ (Zip Code)

​ ​ Registrant’s telephone number, including area code:(845) 454-8555 ​ Not Applicable (Former name or former address, if changed since last report) ​ Securities registered pursuant to Section 12(b) of the Act: ​

​ ​

Title of each class ​ Trading Symbol(s) ​ Name of each exchange on which registered

Common Stock, par value $0.01 per share ​

RBKB

​ The NASDAQ Stock Market, LLC

​ ​ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): ​ ☐  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ​ ☐  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ​ ☐  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ​ ☐  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) ​ ​ Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).     Emerging growth company  ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ ​

​ Item 2.02 Results of Operations and Financial Condition.

​ On October 28, 2021, Rhinebeck Bancorp, Inc. issued a press release announcing 2021 third quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended. ​ Item 9.01Financial Statements and Exhibits. ​ (d)Exhibits: ​ 99.1​ ​Rhinebeck Bancorp, Inc. Press Release dated October 28, 2021. 104Cover Page Interactive Data File (embedded within the inline XBRL). ​ ​ ​ ​

SIGNATURES

​ ​ Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized. ​ ​ ​

RHINEBECK BANCORP, INC.

​ ​

​ ​

​ ​

DATE: October 28, 2021 By: /s/ Michael J. Quinn

​ Michael J. Quinn

​ President and Chief Executive Officer

​ ​ ​ ​

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