Rhinebeck Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 13.29 percentage points lower than in Q1 2026, at 71.09%. Within New York, Rhinebeck Bank is 61st of 105 on return on assets, 0.90% as of Q2 2026, below the middle of the field. Rhinebeck Bank reported 0.90% on return on assets for Q2 2026, 0.38 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.61% |
| Tier 1 risk-based capital ratio | 14.61% |
| Total risk-based capital ratio | 15.41% |
| Tier 1 leverage ratio | 10.93% |
| Equity capital to assets | 9.45% |
| Tangible equity to tangible assets | 9.31% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.38% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 2.42% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | 220.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.90% |
| Return on equity | 8.71% |
| Net interest margin | 3.75% |
| Efficiency ratio | 72.00% |
| Yield on earning assets | 5.47% |
| Cost of funds | 1.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.09% |
| Core deposits to total deposits | 91.91% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.64% |
| Securities to assets | 11.66% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.71% | 11.71% | 12.47% | 9.93% | 0.44% |
| Q4 2023 | 11.96% | 11.96% | 12.70% | 10.10% | 0.35% |
| Q1 2024 | 12.26% | 12.26% | 12.99% | 10.28% | 0.41% |
| Q2 2024 | 12.59% | 12.59% | 13.29% | 10.60% | 0.39% |
| Q3 2024 | 12.04% | 12.04% | 12.81% | 10.04% | -2.41% |
| Q4 2024 | 11.81% | 11.81% | 12.63% | 10.07% | -0.75% |
| Q1 2025 | 12.10% | 12.10% | 12.91% | 10.17% | 0.82% |
| Q2 2025 | 12.98% | 12.98% | 13.80% | 10.64% | 0.98% |
| Q3 2025 | 13.08% | 13.08% | 13.88% | 10.46% | 0.92% |
| Q4 2025 | 13.57% | 13.57% | 14.40% | 10.62% | 0.81% |
| Q1 2026 | 14.15% | 14.15% | 14.95% | 10.94% | 0.78% |
| Q2 2026 | 14.61% | 14.61% | 15.41% | 10.93% | 0.90% |
Rhinebeck Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Rhinebeck Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)