Rhinebeck Bank
BankRegReports is independent of Rhinebeck Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Rhinebeck Bank is an FDIC-insured savings bank headquartered in Rhinebeck, NY, established in 1860 (FDIC certificate 16032), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.47B, up 15.4% from Q2 2025, the 44th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 14.61% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16032
- Headquarters
- Rhinebeck, NY
- Established
- 1860
- Total assets, Q2 2026
- $1.47B
- Assets vs Q2 2025
- +15.4%
- CET1 ratio, Q2 2026
- 14.61%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 221971015
- Latest call report
- Q2 2026, FFIEC 051 · Rhinebeck Bank call report
- Holding company
- RHINEBECK BANCORP, INC.
- Asset rank in state
- 44th of 105 in New York
Rhinebeck Bank, based in Rhinebeck, New York, reported $1.5 billion in assets at June 30, 2026, up 15.4% from a year earlier. It shrank its loan book 4.4% over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
Loans and deposits moved in opposite directions: over the year loans fell 4.4% and deposits rose 19.3%. Profitability lags: it earns about $0.90 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.29).
As of June 30, 2026, Rhinebeck Bank reported a CET1 capital ratio of 14.61%, a return on assets of 0.90%, a nonperforming-loan ratio of 0.38% and a Texas ratio of 2.42%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Rhinebeck Bank is the 44th largest of the 105 banks headquartered in New York. Between Q1 2026 and Q2 2026, its total assets rose 14.4% to $1.47B, loans fell 2.0% and deposits rose 16.4%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 29.9% of total loans, followed by auto loans at 19.5%. Its 15 offices in the FDIC Summary of Deposits are in 11 cities in NY; its Rhinebeck office books 32% of its branch deposits. On its Q2 2026 call report, Rhinebeck Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6414 Montgomery St, Rhinebeck, NY 12572
- County
- Dutchess
- Metro Area
- Kiryas Joel-Poughkeepsie-Newburgh, NY
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 12, 1860
- Former names
- Rhinebeck Savings Bank (1974-2012)
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 157
- Domestic deposits
- $1.30B
- Allowance for credit losses
- $7.7M
- Net charge-offs (YTD)
- $650K
- Average total assets
- $1.33B
- Average total loans
- $940.4M
- Average interest-bearing deposits
- $903.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1943
- FDIC Cert
- 16032
- Fed RSSD
- 195111
- SEC CIK
- 1751783 → filed by RHINEBECK BANCORP, INC.
- Website
- www.rhinebeckbank.com →
- Parent Holding Company
- RHINEBECK BANCORP, INC. (RSSD 3271230) · RBKB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Smith Matthew James | CEO | President & CEO |
| Kevin M Nihill | CFO | CFO and Treasurer |
| Jamie J. Bloom | COO | Chief Operating Officer |
| James T. Mccardle Iii | CCO | Chief Credit & Risk Officer |
| Karen E. Morgan-D'Amelio | CRO | CRO, Gen. Cnsl and Corp Sec. |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Rhinebeck Bank's total assets moved between a low of $1.26B (Q4 2024) and a high of $1.47B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.47B total assets against $1.27B; $1.33B total liabilities against $1.15B.
$918.5M net loans and leases against $960.8M; $1.30B total deposits against $1.09B.
$171.4M securities against $141.3M; $304.6M cash and balances due against $89.6M.
$17.0M total interest income against $16.7M; $5.3M total interest expense against $5.2M.
$11.6M net interest income against $11.5M.
$1.8M total noninterest income against $1.6M; $9.7M total noninterest expense against $9.4M.
-$11K provision for credit losses against -$101K.
$3.0M net income against $3.1M.
0.90% return on assets against 0.98%; 3.75% net interest margin against 3.93%.
14.61% CET1 capital ratio against 12.98%; 10.93% tier 1 leverage ratio against 10.64%.
Inside the full Rhinebeck Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Rhinebeck Bank rankings
Its closest position to the top of a national ranking is 748 of 4,196, for total assets; its furthest is 2,879 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.41% (Q3 2024) to 0.98% (Q2 2025) and its net interest margin ran from 3.21% (Q3 2024) to 3.95% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.61% | 0.90% | 0.38% | 2.42% | 3.75% |
| Q1 2026 | 14.15% | 0.78% | 0.38% | 2.52% | 3.71% |
| Q4 2025 | 13.57% | 0.81% | 0.39% | 2.72% | 3.89% |
| Q3 2025 | 13.08% | 0.92% | 0.39% | 2.73% | 3.95% |
| Q2 2025 | 12.98% | 0.98% | 0.31% | 2.18% | 3.93% |
| Q1 2025 | 12.10% | 0.82% | 0.38% | 2.81% | 3.71% |
| Q4 2024 | 11.81% | -0.75% | 0.45% | 3.41% | 3.59% |
| Q3 2024 | 12.04% | -2.41% | 0.50% | 3.84% | 3.21% |
Swipe the table sideways to see every column.
Branch Network
View all 15 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Rhinebeck Bank (main office) | Rhinebeck , NY | 12572 | $412.3M |
| Red Hook Branch | Red Hook , NY | 12571 | $144.6M |
| Hyde Park Branch | Hyde Park , NY | 12538 | $123.8M |
| Mid-Hudson Center Branch | Poughkeepsie , NY | 12601 | $119.7M |
| Arlington Branch | Poughkeepsie , NY | 12603 | $101.2M |
| Kingston Branch | Kingston , NY | 12401 | $76.8M |
| Goshen Branch | Goshen , NY | 10924 | $71.5M |
| South Road Branch | Poughkeepsie , NY | 12601 | $62.0M |
| Fishkill Branch | Fishkill , NY | 12524 | $60.1M |
| East Fishkill Branch | Hopewell Junction , NY | 12533 | $59.0M |
| Warwick Branch | Warwick , NY | 10990 | $44.1M |
| Newburgh Branch | Newburgh , NY | 12550 | $19.5M |
| Internet Branch | Poughkeepsie , NY | 12601 | $8.2M |
| Albany Loan Office Branch | Albany , NY | 12203 | $0 |
| Executive Offices Branch | Poughkeepsie , NY | 12601 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 69 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 94 applications, 82 loans originated, $45.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $1.8M approved, $362K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Rhinebeck Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Rhinebeck Bank with peers
Frequently asked about Rhinebeck Bank
What are Rhinebeck Bank's total assets?
As of the Q2 2026 filing, Rhinebeck Bank reported total assets of $1.47 billion in its FFIEC call report.
Where is Rhinebeck Bank headquartered?
It is headquartered in Rhinebeck, NY, United States.
When was Rhinebeck Bank founded?
It was established in 1860, per the FDIC institution directory.
Is Rhinebeck Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #16032). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Rhinebeck Bank?
Rhinebeck Bank's primary federal regulator is the FDIC.
What is Rhinebeck Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.61% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Rhinebeck Bank operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Rhinebeck Bank's Texas Ratio?
Its Texas Ratio is 2.42% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Rhinebeck Bank previously called?
The charter now named Rhinebeck Bank has also operated as Rhinebeck Savings Bank (1974-2012), per FDIC structure-change records.
Go deeper on Rhinebeck Bank.
Get an email when Rhinebeck Bank files its next call report, and benchmark it against any peer you choose.
Unlock Rhinebeck Bank, freeFree account