Rhinebeck Bancorp, Inc.

Rhinebeck Bancorp, Inc. is the Maryland-based holding company for Rhinebeck Bank, a New York-chartered stock savings bank founded in 1860. Through the bank and its Rhinebeck Asset Management division, it provides deposit, lending, wealth management, and insurance-related services across its branch network in New York's Hudson Valley region.

336,6 %

−0,6 %

— Rhinebeck Bancorp, Inc.
%
Deposit Banking35% Checking, savings, money market, and time deposit products used to fund lending.
Commercial Lending30% Commercial real estate, commercial construction, and business loans.
Retail and Consumer Lending15% Indirect auto loans, residential mortgages, and other consumer credit products.
Wealth Management10% Brokerage, advisory, retirement planning, and managed investment services.
Insurance and Financial Products10% Life insurance and related investment products sold through the bank platform.

Rhinebeck Bancorp serves households, small businesses, and commercial borrowers in its local New York markets...

  • Retail householdsprimary

    Individuals and families buying deposit accounts, mortgages, and consumer banking services for convenience and relationship banking.

  • Commercial borrowersprimary

    Businesses and property owners using commercial real estate and commercial business loans for financing and working capital.

  • Wealth management clientssecondary

    Individuals and businesses purchasing brokerage, advisory, retirement, and insurance products through Rhinebeck Asset Management.

  • Indirect auto lending partnerssecondary

    Automobile dealers and their customers using dealer-originated auto loans as a complementary lending channel.

Rhinebeck Bancorp operates primarily in New York's Hudson Valley, with 12 branches in Dutchess, Orange, and Ulster...

  • •Headquartered in Poughkeepsie, New York
  • •12 branches across Dutchess, Orange, and Ulster Counties
  • •Representative office in Albany County for indirect lending
  • •Representative office in Dutchess County for financial services
  • •Concentrated Hudson Valley footprint drives local market exposure

Rhinebeck Bancorp's strategy centers on growing low-cost core deposits, expanding commercial banking relationships, and...

01
Increase core depositsshort-term

Stable, low-cost deposits support lending capacity and reduce funding pressure.

02
Build fee incomemedium-term

Treasury management and wealth services diversify revenue beyond spread income.

03
Improve efficiency through technologymedium-term

Digital tools can support scale, customer retention, and lower servicing costs.

04
Preserve credit quality

Commercial lending growth depends on disciplined underwriting and monitoring.

The company is exposed to credit risk from commercial real estate, commercial business, and indirect auto lending,...

high

Commercial real estate and commercial business credit risk

A large share of lending is tied to borrower cash flow and property values, which can weaken in downturns.

Scope
Loan portfolio
Materiality
high
high

Deposit competition and funding mix risk

The bank relies on deposits to fund loans, so migration to higher-cost deposits can compress economics and reduce stability.

Scope
Core deposits and time deposits
Materiality
high
medium

Fraud and operational/cyber risk

ACH, wire, ATM, debit card, and online banking channels can be targets for fraud and system failures.

Scope
Digital banking and payments
Materiality
medium
medium

Wealth management market risk

Advisory fees and client balances can fall when equity and bond markets decline or clients withdraw assets.

Scope
Rhinebeck Asset Management
Materiality
medium
medium

Regulatory and compliance risk

Banking and wealth activities are subject to capital, consumer, AML, privacy, and securities regulations.

Scope
Bank and advisory operations
Materiality
medium
Allowance for credit losses
Loan reserve and provision expense
Fair value measurement of securities
AOCI and investment income
Deferred tax assets
Tax expense and equity
Wealth management fee recognition
Non-interest income

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: 29/04/2026