Rhinebeck Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 15.65 percentage points lower than in Q1 2026, at 250.77%. Within New York, Rhinebeck Bank is 76th of 105 on loan-to-deposit ratio, 71.09% as of Q2 2026, below the middle of the field. Rhinebeck Bank reported 71.09% on loan-to-deposit ratio for Q2 2026, 17.11 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $926.2M |
| Net loans and leases | $918.5M |
| Loans held for sale | $0 |
| Loans to total assets | 63.01% |
| Loan-to-deposit ratio | 71.09% |
| Net loans to equity capital | 6.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.16% |
| Multifamily (5+ residential) | 10.65% |
| Commercial and industrial | 10.54% |
| Consumer | 19.58% |
| Credit cards | 0.01% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 250.77% |
| Construction concentration (Tier 1 capital + allowance) | 5.08% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $14.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.01B | $1.10B | 28.98% | 12.15% | 38.04% |
| Q4 2023 | $1.02B | $1.05B | 30.27% | 12.18% | 36.39% |
| Q1 2024 | $1.00B | $1.05B | 31.72% | 12.37% | 34.30% |
| Q2 2024 | $990.0M | $1.05B | 32.46% | 12.31% | 32.55% |
| Q3 2024 | $973.0M | $1.06B | 33.19% | 11.98% | 30.81% |
| Q4 2024 | $980.3M | $1.04B | 34.36% | 12.02% | 28.30% |
| Q1 2025 | $984.9M | $1.05B | 36.07% | 11.81% | 26.47% |
| Q2 2025 | $969.0M | $1.09B | 37.30% | 11.65% | 24.68% |
| Q3 2025 | $985.8M | $1.13B | 40.81% | 11.07% | 22.27% |
| Q4 2025 | $961.7M | $1.12B | 42.64% | 11.12% | 20.98% |
| Q1 2026 | $944.6M | $1.12B | 43.24% | 11.30% | 19.81% |
| Q2 2026 | $926.2M | $1.30B | 44.16% | 10.54% | 19.58% |
Rhinebeck Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Rhinebeck Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Rhinebeck Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16032) · FFIEC NIC profile (RSSD 195111)