Rhinebeck Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Rhinebeck Bank is an FDIC-insured commercial bank. Rhinebeck's Q2 2026 balance sheet shows $1.5B in assets funded primarily by $1.3B in customer deposits. Earnings are mid-range, 0.90% ROA and a 3.75% net interest margin. Capital cushions are healthy: 14.61% CET1, 10.93% Tier 1 leverage. Asset quality is pristine, 0.38% NPLs and a 2.42% Texas Ratio. Its footprint covers 15 branches concentrated in New York.
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%, a Texas ratio of 2.42%, per financial data filed with the FFIEC.
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)
- Offices
- 15 domestic
- Employees (FTE)
- 157
- Domestic deposits
- $1.30B
- Allowance for credit losses
- $7.7M
- Net charge-offs (YTD)
- $650K
- 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 |
| Nihill Kevin M | CFO | CFO and Treasurer |
| Bloom Jamie J. | COO | Chief Operating Officer |
| Mccardle James T. Iii | CCO | Chief Credit & Risk Officer |
| Morgan-D'Amelio Karen E. | CRO | CRO, Gen. Cnsl and Corp Sec. |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Rhinebeck Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Rhinebeck 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| 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% | 2.82% | 3.95% |
| Q2 2025 | 12.98% | 0.98% | 0.31% | 2.28% | 3.93% |
| Q1 2025 | 12.10% | 0.82% | 0.38% | 2.94% | 3.71% |
| Q4 2024 | 11.81% | -0.75% | 0.45% | 3.54% | 3.59% |
| Q3 2024 | 12.04% | -2.41% | 0.50% | 3.93% | 3.21% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 15 branches →
| 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
What the public regulatory sources show for Rhinebeck Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 69 of 180 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Rhinebeck Bank headquartered?
Rhinebeck Bank is headquartered in Rhinebeck, NY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Rhinebeck Bank founded?
Rhinebeck Bank was established in 1860, per the FDIC institution directory.
Is Rhinebeck Bank FDIC-insured?
Yes. Rhinebeck Bank is an FDIC-insured commercial 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Rhinebeck Bank's CET1 capital ratio?
Rhinebeck Bank 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?
Rhinebeck Bank 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?
Rhinebeck Bank's Texas Ratio is 2.42% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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.
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