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Rhinebeck Bancorp Inc
2 Jefferson Plz
Phone: (845) 454-8555p:845 454-8555 POUGHKEEPSIE, NY  12601-4059  United States Ticker: RBKBRBKB
Business Summary
Rhinebeck Bancorp, Inc. is a holding company for Rhinebeck Bank (the Bank). The Bank provides a full range of banking and financial services to consumer and commercial customers through approximately 14 branches and over two representative offices located in Dutchess, Ulster, Orange, and Albany counties. The Bank’s primary business activity is accepting deposits from the public and using those funds, primarily to originate indirect automobile loans (automobile loans referred to as automobile dealerships), commercial real estate loans (which include multi-family real estate loans and commercial construction loans), commercial business loans and one-to four-family residential real estate loans, and to purchase investment securities. It offers various deposit accounts, including savings accounts, certificates of deposit, money market accounts, commercial and personal checking accounts, and others. It also offers alternative delivery channels, including online banking and bill pay.

Scores and Ratings
FRISK®
Score		 Z''
Score		 PAYCE®
Score		 DBT
Index		 Moody's
Rating		 Fitch
Rating		 DBRS
Rating
Yes--Yes---

Financials, News and Filings
Latest
Statement		 Last
Audit
News		 SEC
Filings		 Bankruptcy
Filings		 Suit &
Judgment
Filings		 Tax
Lien
Filings
9/30/202412/31/2023YesYes---

Industries
SIC Code Description
6036 Savings institutions, not federally chartered
6712 Offices of bank holding companies

Officers and Directors

Title
Name
Age		 Title
Date		 Start
Date
Independent Chairman of the Board William C.Irwin 65 1/1/1996 1/1/1996
President, Chief Executive Officer, Director Michael J.Quinn 62 1/1/2021 1/1/2001
Chief Financial Officer KevinNihill 49 7/8/2024 7/8/2024
6 additional Officers and Directors records available in full report.

Subsidiaries
Business Name Address City State/Province Country
RHINEBECK SAVINGS BANK 6414 Montgomery St Rhinebeck New York United States

Business Names
Business Name
Dutchess Golf Club, LLC
New Horizons Asset Management Group, LLC
Pleasant View Subdivision, LLC
RBKB
Rhinebeck Bank
RSB Capital Trust I

General Information
Number of Employees: 164 (As of 12/31/2023)
Outstanding Shares: 11,087,607 (As of 9/30/2024)
Shareholders: 346
Stock Exchange: NASD
Federal Tax Id: 832117268


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Tuesday, December 3, 2024