RHINEBECK BANK

POUGHKEEPSIE, NY | Large | Est. April 12, 1860, midnight | FDIC #16032 | RSSD #195111 | FDIC
Latest Report: 2025-12-31

RHINEBECK BANK is aln large FDIC-insured commercial bank headquartered in POUGHKEEPSIE, NY, established in April 12, 1860, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $1.1B. Profitability stands at 0.81% ROA and 8.04% ROE, with a net interest margin of 3.94%. The bank's CET1 capital ratio is 13.57%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.39% and a Texas Ratio of 2.67%. FDIC Certificate #16032.

Assets

$1.3B

Deposits

$1.1B

Loans

$962M

Equity

$134M

Profitability

Return on Assets (ROA) 0.81%
Return on Equity (ROE) 8.04%
Net Interest Margin (NIM) 3.94%
Yield on Assets 5.88%
Cost of Funds 2.04%

Asset Quality

NPL Ratio 0.39%
Net Charge-Off Ratio 0.20%
Texas Ratio 2.67%
NPA Ratio 0.29%
ACL / Loans 0.87%

Capital & Liquidity

CET1 Ratio 13.57%
Tier 1 Capital 13.57%
Total Capital Ratio 14.40%
Leverage Ratio 10.62%
Loan-to-Deposit 86.24%

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